Comprehensive Features
Discover the powerful features that make X-Pay the ultimate financial platform for Africa's digital economy.
Digital Wallet
A secure place to receive, store, and manage money in your local currency with powerful features.
Receive payments from multiple currencies automatically converted to your local currency
Track all your transactions in one place
Instant transfers between X-Pay users at no cost
Secure PIN and biometric protected access
Mobile Money Integration
Seamlessly connect your X-Pay wallet with popular Mobile Money services across Africa.
Direct deposits from Mobile Money to X-Pay wallet
Withdraw funds from X-Pay to Mobile Money accounts
Send money to family and friends' Mobile Money wallets instantly
Support for major providers including MTN, Orange, Airtel, and more
Split Bills
Easily split expenses with friends, family, or colleagues without the awkward money conversations.
Create group expenses with multiple participants
Track who has paid their share
Automatic reminders for pending payments
Flexible payment options for participants
Gift Cards
Create, purchase, and redeem digital gift cards to boost sales and customer loyalty.
Merchants can create custom gift card templates
Users can purchase gift cards with their X-Pay wallet
Simple redemption process with secure codes
Gift cards work across currencies with automatic conversion
Susu Savings Groups
Digitize traditional rotating savings circles with automated contributions and transparent management.
Create and manage savings groups digitally
Automated contribution schedules
Transparent distribution system
Real-time tracking of group activities
Payment Gateway
Accept payments online through multiple payment methods with a single integration.
Support for cards, mobile money, and bank transfers
Easy-to-use API and developer tools
Comprehensive webhooks and notifications
Simplified fee structure
Money Transfer
Send money across Africa to anyone, even if they don't have an X-Pay account.
Cash pickup at agent locations
USD payout option for international recipients
Real-time transaction tracking
Low and transparent fees
Business Analytics
Powerful insights and reporting tools for businesses to track and analyze financial activities.
Real-time sales and transaction reports
Customer payment behavior insights
Customizable dashboards
Export options for accounting integration
Security Features
Your security is our top priority. X-Pay implements multiple layers of protection to keep your money and data safe.
End-to-end encryption for all transactions
Multi-factor authentication
PIN/biometric protection
Real-time fraud monitoring
Regular security audits
PCI DSS compliance
Account activity notifications
Secure PIN reset process
Ready to experience these features?
Download our apps today and revolutionize how you handle finances across Africa.