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Build with Xtopay APIs

Clear documentation, practical guides, and real-world examples for faster payment integration.

Developer using Xtopay API

Getting Started

Authentication

Learn how to authenticate with API keys and secure your integration.

Introduction

Overview of our API ecosystem and how to get started.

SDKs & Libraries

Client libraries to speed up your integration process.

Pre-built Templates

Ready-to-use code samples for common use cases.

Payment APIs

Online Checkout

Hosted checkout page optimized for web and mobile devices.

Payment Links

Create reusable or one-time payment links.

Smart Invoicing

Generate branded invoices and track payments.

Mobile Money (MoMo)

Accept mobile money payments from various providers.

Complementary APIs

Refunds

Issue full or partial refunds across payment channels.

Balance Query

Check your available balance programmatically.

Transactions History

Access your complete transaction records.

Settlement Reports

Detailed reports of your settlements.

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