Accept Stablecoin Payments Globally
We help you accept USDT and USDC payments from customers anywhere in the world. Settle instantly to your local bank account in Naira, Cedis, Shillings, or Rand.
Why Choose XPay Business?
We built XPay Business for both owners who want a simple checkout dashboard and developers who need powerful APIs.
Accept Stablecoin Payments Instantly
We let your customers pay with USDT or USDC, and we settle you directly in Naira, Cedis, Shillings, or Rand — straight to your business bank account. No crypto volatility.
Dashboard & Payment Links
We give you a dashboard to generate payment links and send professional invoice checkouts to your clients. Start accepting stablecoin payments from day one.
Pan-African Payout Infrastructure
We support settlement across Nigeria, Ghana, Kenya, South Africa, Côte d'Ivoire, and more. Local payouts in NGN, GHS, KES, ZAR, XAF, and XOF.
Get Started in Three Steps
We designed our onboarding to get you from signup to live payouts as fast as possible.
Create Your Business Account
Sign up for XPay Business, complete your merchant verification, and we give you immediate access to your dashboard.
Choose Your Payment Method
Generate payment links from your dashboard to get paid without writing code, or use our APIs for a custom checkout flow.
Receive Instant Payouts
Your customers pay in stablecoins, and we convert them instantly to local fiat — deposited directly into your bank account.
Dashboard Tools & Merchant APIs
We get you up and running in minutes. Send payment links or integrate custom checkout flows — whichever works for your business.
Payment Links
We let you create and share secure payment links on WhatsApp, email, or social media. Start receiving stablecoin payments with zero technical setup.
Professional Invoicing
We help you bill clients with clean digital invoices. They scan to pay in stablecoins, and we settle you in local fiat.
Merchant APIs & SDKs
We provide REST APIs for your developers to embed a secure checkout widget on your website or platform. Setup takes minutes.
Ready to Grow Your Business?
Join dozens of African platforms and merchants who already trust us to settle their stablecoin payments instantly to fiat.
Get Started Now
Trade Large Volumes at Premium Rates
Contact our OTC desk for a personalized quote. Minimum trade size: $10,000 USDT equivalent. Same-day settlement in NGN, GHS, KES, or ZAR.
Request OTC QuoteHigh-Volume Trades, Best Rates
We help you execute large crypto trades at premium rates without impacting market prices. Our OTC desk provides instant execution, deep liquidity, and dedicated support.
Deep Liquidity Pool
We give you competitive quotes for trades from $10,000 to $5,000,000+ across BTC, ETH, USDT, USDC, and major altcoins. No order book slippage — just the rate you agree on.
Premium Pricing
We aggregate liquidity from multiple sources to offer you the tightest spreads — better rates than standard exchange order books.
Instant Settlement & Dedicated Support
We settle your trades in minutes, not hours. Each OTC client gets a personal account manager for priority support and fast execution.
Frequently Asked Questions
Everything you need to know about processing merchant payments on XPay.
Do my customers need an XPay account to pay me?
What currencies can my business settle in?
How do sandbox testing tokens work?
Are there setup or monthly fees for XPay Business?
How does OTC trading work for large volumes?
Can I integrate XPay Business with my existing website?
Ready to Accept Payments?
We give you instant local payouts in Naira, Cedis, or Rand.
Sign up for early access.
Start accepting stablecoin payments today.