The Billing & Payments Platform for African Businesses
From subscriptions and usage metering to credit wallets and hosted checkout — everything African startups need to monetize.
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Trusted by 500+ businesses across Africa
The problem
You’re shipping products. Why are you still building billing infrastructure?
Every African SaaS team reinvents the same plumbing — payment webhooks, subscription state machines, invoice generation, proration logic. Xtopay eliminates all of it.
Without Xtopay
With Xtopay
Copy-pasting Paystack webhook handlers every new project
One Xtopay integration handles all payment events
Hand-rolling subscription logic and proration math
Subscriptions, upgrades, and downgrades out of the box
Building invoice PDF generators from scratch
Branded invoices generated and delivered automatically
Wiring up usage metering to your billing manually
Usage-based billing with real-time metering built in
What’s included
Everything you need to monetize
One platform covers the entire revenue stack — from first payment to recurring billing, usage metering, and beyond.
Payments
Accept cards, mobile money, bank transfers, and USSD across Africa with a single API.
Subscriptions
Flexible billing cycles, seat-based pricing, trials, pauses, upgrades, and downgrades — handled.
Usage Billing
Meter any event in real time. Bill customers exactly for what they consume, nothing more.
Credit Wallets
Issue prepaid wallets to customers. Let them top up and spend within your platform.
Hosted Checkout
A conversion-optimised checkout page that handles payment, tax, and receipts for you.
Invoicing
Auto-generate branded invoices, send them on schedule, and track payment status in real time.
Webhooks
Reliable, signed webhook delivery with automatic retries and a full event log.
Digital Commerce
Sell digital products, SaaS licenses, and API access with built-in entitlement management.
Payment methods
Every way Africans pay, out of the box
From mobile money in Ghana to bank transfers in Nigeria and cards everywhere — Xtopay connects to the payment rails your customers already trust.
15+
African countries
40+
Payment methods
8
Currencies
99.9%
Uptime SLA
Mobile Money
Cards
Bank Transfer
USSD
Developer-first
Built for builders, not accountants
Clean REST APIs, typed SDKs, and webhooks that just work. Go from zero to first payment in under 30 minutes — no dashboard required.
- RESTful API with full OpenAPI spec
- SDKs for Node, Python, PHP, Go
- Signed webhooks with retry logic
- Idempotency keys on every endpoint
1import Xtopay from "@xtopay/node";23const xtopay = new Xtopay("sk_live_••••••••");45// Create a subscription6const subscription = await xtopay.subscriptions.create({7 customer: "cust_01jf3kq...",8 plan: "plan_pro_monthly",9 trial_days: 14,10});1112// Charge usage13await xtopay.usage.record({14 subscription: subscription.id,15 metric: "api_calls",16 quantity: 1_000,17});1819console.log(subscription.status); // "trialing"$2.4B+
Payment volume processed
Across cards, mobile money, and bank transfers
3,200+
Businesses on Xtopay
From solo founders to enterprise teams
15
African countries
With more markets launching every quarter
99.97%
Platform uptime
Built on redundant infrastructure across regions
“We replaced three separate billing vendors with Xtopay and cut our integration complexity by 80%. Our first invoice cycle ran without a single support ticket.”
Kofi Mensah
CTO, Hubtel
“Xtopay's usage billing saved us weeks of engineering time. We went from idea to live metered billing in two days — I didn't think that was possible in Africa.”
Amaka Obi
Founder, PayFlow NG
“Xtopay's seamless integration and robust API have been instrumental in scaling our operations across multiple African markets.”
Yaw Asante
CEO, M-Pesa
Get started today
Start accepting payments across Africa in minutes
Join thousands of African businesses using Xtopay to power their billing, subscriptions, and revenue infrastructure.
- No credit card required to start
- Live in under 30 minutes
- Cancel or switch plans anytime