Next-Generation
Payments for Ghana
Transform your business with our comprehensive payment solutions. Accept payments online, offline, and everywhere in between with Ghana's most trusted payment infrastructure.
Built for African Market Needs
Our platform combines global technology with local expertise
Advanced Infrastructure
Distributed architecture ensures 99.99% uptime
Local Processing
In-region processing for compliance and speed
Omnichannel Payments
Unified API for all payment methods
Enterprise Support
Dedicated technical account managers
Powering Africa's Digital Economy
Billions processed annually with industry-leading reliability
Tailored solutions for your industry
Whether you're a startup or enterprise, our platform adapts to your requirements.
E-commerce
Seamless checkout experiences
Digital Banking
Modern infrastructure for neobanks
SaaS Companies
Recurring billing in local currencies
Remittances
Low-cost cross-border transfers
Trusted by Africa's Financial Leaders
Partnered with the continent's most innovative institutions
Trusted by Innovative Businesses
Discover why thousands of businesses across Africa choose Xtopay for their payment processing needs.
"Xtopay reduced our payment processing costs by 40% while improving our transaction success rates significantly. The integration was seamless and their support team was exceptional throughout the process."
Nana Kwame
CTO, AfriMarket
"The most reliable payment infrastructure we've used in the African market. Their MoMo integration has helped us reach customers who previously couldn't access our services due to payment limitations."
Amina Diallo
Head of Payments, KudiBank
"Implementation was seamless with their developer-friendly APIs and comprehensive documentation. We had our payment system up and running in less than a week, which is unprecedented in this industry."
Tunde Okafor
Lead Engineer, ShopAfrika
"As a growing startup, Xtopay's pricing model allowed us to scale without worrying about prohibitive costs. Their dashboard analytics have been invaluable for tracking our financial performance."
Chiamaka Nwosu
CEO, TechGrowth Africa
"The fraud prevention tools have saved us thousands of dollars in chargebacks. Their system is intelligent and adaptive to new threats in the payment space."
David Mensah
Operations Director, SafePay Solutions
"We switched from three different payment processors before finding Xtopay. Their multi-currency support and local payment options have been game-changers for our e-commerce platform."
Sarah Johnson
E-commerce Manager, GlobalStore
Join thousands of satisfied businesses
Start accepting payments with the platform trusted by businesses across Africa.
Easy Integration
Get started quickly with our well-documented APIs and developer tools. Go live in days, not months.
Developer First
REST APIs with comprehensive documentation
SDKs & Libraries
Official libraries for all major languages
Sandbox Environment
Test with mock data before going live
Webhooks
Real-time payment event notifications
Simple & Transparent Pricing
Pay only 1.95% per transaction and 1.50% per withdrawal with no hidden fees
All-Inclusive Rate
Everything included:
Fast Processing
Instant payment processing with 99.9% uptime
Bank-Grade Security
PCI DSS Level 1 certified infrastructure
Quick Settlements
20 minutes settlement to your bank account
Frequently Asked Questions
Everything you need to know about our platform
How long does integration take?
What payment methods do you support?
How are settlements processed?
Is my transaction data secure?
Do you offer chargeback protection?
Can I customize the payment experience?
Start accepting payments across Africa today
Join hundreds of businesses processing billions through our platform.