Retail and hospitality

Take MoMo at the counter, in the chat and before delivery

Your customers already pay with their phones. Give them a QR code at the till and a link in the chat, and take MoMo and cards without a card machine.

Scan to pay

Nana's Kitchen

xtopay.me/nanaskitchen

MoMo and cards accepted

Payment received

GH₵65.00 from Kwame Asare · Telecel Cash

How you'll use it

Wherever your customers buy from you

At the counter
Print your QR code for the till. Customers scan it, enter the amount and approve on their own phone. No change to count.
With Payment links
On WhatsApp
When someone orders in the chat, send a link with the exact price. Ask for a note and you get their address with the payment.
With Payment links
Before delivery
Get paid before the rider leaves. The payment shows up in your dashboard with the customer's note, so nothing gets mixed up.
With the dashboard

A day with Xtopay

08:30
Orders start on WhatsApp
Ama wants a jollof party pack for a naming ceremony. Nana sends her xtopay.me/nanaskitchen/jollof-pack.
08:32
Ama pays by MoMo
She approves on her phone. Her note says: deliver to East Legon by 6pm. Nana's phone buzzes with the payment.
12:15
Lunch at the counter
Walk-in customers scan the QR code by the till and pay what they owe, by MoMo or card.
15:40
One order can't be made
The goat supplier is late. Nana refunds that order in full, straight from the payment.
19:00
The day adds up
Every payment is in the dashboard with the fee and what's hers. No notebook, no guessing.
Friday
Payday
The week's takings go to her MTN MoMo wallet on the schedule she set.

What you'll use

Do I need a card machine?

No. Customers pay on their own phones, by MoMo or card, through your QR code or link.

Can my staff see payments come in?

Yes. Invite them as viewers. They see payments as they land and can't change anything.

What if I sell out?

Pause the link, and turn it back on when you're ready to take orders again.