Welcome to X-Pay

X-Pay is the unified payment infrastructure for Africa. Accept Mobile Money, Cards, and Bank Transfers with a single API.

Get Started →Join Discord

How It Works

1. Create Account     →  Sign up at dashboard.xpay-bits.com
2. Get API Keys       →  Sandbox key for testing, Live key for production
3. Integrate          →  Use REST API or SDKs to accept payments
4. Go Live            →  Submit documents and request live access

Supported Payment Methods

Method	Countries	Currencies
Stripe (Cards)	Global	USD, EUR, GBP, GHS
MTN MoMo	Ghana, Rwanda, Uganda	GHS, RWF, UGX
Orange Money	Liberia	USD, LRD
X-Pay Wallet	All	USD, GHS, EUR

Quick Example

Once you have your API key, create a payment with a single request:

curl -X POST https://server.xpay-bits.com/v1/api/merchants/{merchant_id}/payments \
  -H "X-API-Key: sk_sandbox_your_key" \
  -H "Content-Type: application/json" \
  -d '{
    "amount": "10.00",
    "currency": "USD",
    "payment_method": "stripe",
    "description": "Order #123"
  }'

Response:

{
  "id": "pay_abc123",
  "status": "pending",
  "client_secret": "pi_xxx_secret_yyy",
  "amount": "10.00",
  "currency": "USD"
}

Next Steps

📝 Create Account

Sign up and verify your email

🔑 Get API Keys

Get sandbox and live keys

💳 First Payment

Create your first payment

📱 Payment Methods

Stripe, MoMo, Orange, Wallet

Need Help?

• 💬 Discord: Join our community
• 📧 Email: support@xpay-bits.com