Verified businesses
Every business is verified before it can collect. Payouts are protected by a withdrawal PIN.
Payments
Business payments with XtraPay.Send money out.
Get paid by link, USSD, or QR code. Pay your staff, suppliers, and bills from the same XtraPay wallet, with your transactions recorded in one place.
- Mobile money & bank
- Payment links & QR
- Your own USSD code
The everyday essentials
Money in, money out
A closer look at the tools available in your payments workspace.
Getting paid
Payment links
Send a link by WhatsApp, SMS or email and get paid. Each link carries its own amount and expiry, so it stops working once it has done its job.
Your own USSD code
A code that belongs to your business alone. Customers dial it and pay you directly — no shared shortcode, and no business code to mistype.
QR code
Print a poster for your counter or market stall. Customers scan and pay from their phone with nothing to install.
Paying out
Payouts to bank & mobile money
Withdraw to your own account or send to anyone else's, on any major network or bank, straight from your wallet balance.
Payroll disbursement
Run payroll in XtraHR and pay the whole team in one go. Failed transfers are shown per employee and can be retried on their own.
Bills and top-ups
Airtime, data and internet, TV subscriptions, insurance premiums and utilities — settled from the same balance you collect into.
How it works
Built into the business you already run
Ask for the money
Raise a payment link from an invoice, hand out your USSD code, or put your QR poster on the counter. Whichever suits the sale.
Your customer pays their way
Mobile money or card, on a phone with no app to download. USSD works without any internet connection at all.
It lands in your books
The payment settles to your business and the transaction is recorded against the invoice — so your accounts, your wallet and your bank agree without anyone typing it twice.
Money you can account for
Every transaction recorded
A full history of what came in and what went out, with references you can match against your statement.
Roles for your team
Decide who can see the wallet and who can move money out of it. Every action is logged against a person.
Support that answers
A published service level agreement, and people who know your account when you need them.
Pricing built around your business
What you pay depends on how you collect, how much you move, and how you want to settle. Tell us how your business takes money today and we will put a rate to it.
No setup fee to get started, and no charge to open your wallet.
Your next step
Make more time for your business.
Explore XtraKit for yourself, or talk to our team about the tools that fit your business.