Payments for Nigerian businesses
Accept NGN bank transfers and WhatsApp Pay Code on one checkout — virtual accounts, automated matching, and webhooks. Transparent pricing for merchants. 1% + ₦50 per transaction
Powered by METRAVON INNOVATION LTD
Available on Google Play and the App Store — wallet, bills, transfers, and your dollar virtual card in one app.
Virtual account
Providus Bank
9520148392
Xtrapay - METRAVON LTD
Demo only — try the live checkout demo.
Processing payment…
Payment successful
WhatsApp Wallet
Send money to any Nigerian bank account or WhatsApp contact, buy airtime, pay bills, and settle checkout orders with a Pay Code — all from the chat app your customers already use every day.
- Bank transfers, wallet-to-wallet, and partner pay
- Checkout Pay Code at merchant checkout — customer sends
PAY CODE - Same wallet powers the Xtrapay app on Google Play & App Store
WhatsApp Wallet
Active now
Dollar Virtual Card
Shop globally with a USD virtual card funded from your NGN wallet. Pay for Netflix, Spotify, Prime, Meta ads, and international SaaS — then withdraw unused dollars back to naira at transparent sell/buy rates with no hidden FX spread.
- Instant virtual card delivery in the Xtrapay mobile app
- Fund, freeze, pause, and withdraw completely from your phone
- Live USD sell/buy rates shown before you confirm every conversion
- Starting USD balance included when your card is issued
Get Xtrapay on mobile
Virtual cards, NGN wallet, bills, and WhatsApp transfers — optimized for iOS and Android.
Prefer a browser? Open Xtrapay web app · App Store listing coming soon — use the web app in the meantime.
USD rate calculator
Live · updates every 60s
Rate used: — per $1
Fund Card
—
per $1 from NGN
Withdraw
—
per $1 to NGN
Card Setup
$7.50
incl. $5.00 load
Payments, wallet & cards
Xtrapay focuses on online payments, wallet, and virtual cards — a lean Checkout Now whitelabel.
Online Payments
Receive NGN payments through bank transfers with reliable matching and virtual accounts.
Wallet
Consumer wallet for transfers, bills, savings, and everyday payments.
Virtual Cards
Issue and manage virtual cards from the wallet experience.
Payouts & Collections
Disbursements and collections for merchants on the payments platform.
Xtrapay for WooCommerce
Official Payment Gateway Plugin
// Installation
1. Upload & Activate
2. Enter API Key
3. Start Accepting Payments
Seamless Integration with WooCommerce
Install the plugin, configure your API key, and you're live. Works with WordPress 5.8+ and WooCommerce 7.0+. Accept bank transfers and WhatsApp Pay Code at checkout.
One-Click Install
Download and activate directly from your dashboard.
Charge Management
Choose who pays transaction fees — you or your customer.
Pricing
Competitive rates. Clear charges. No surprises.
per successful transaction
No setup fees. No monthly fees. Pay only for successful transactions.
Get started Full pricing detailsPricing Examples
How it Works
Create Account
Sign up for free in minutes.
Integrate
Connect via API or Plugin.
Accept Payments
Start receiving NGN instantly.
Get Paid
Automated payouts to your bank.
Trusted by Nigerian businesses of all sizes.
We are committed to providing reliable payment infrastructure for merchants, developers, and growing teams — in partnership with METRAVON INNOVATION LTD.
What is Xtrapay and who is it for in Nigeria?
Xtrapay is a payment gateway built for Nigerian businesses that need to accept NGN online payments—especially bank transfers—with reliable matching, virtual accounts, and clear fees. It suits e-commerce, SaaS, services, events, and any merchant selling in Naira.
How does bank transfer payment matching work?
When a customer pays to your assigned virtual account or reference, Xtrapay reconciles the incoming transfer against the open payment. Successful matches update order or invoice status and fire webhooks to your store or app automatically.
What are Xtrapay fees for merchants in Nigeria?
Pricing is transparent: typically 1% plus ₦50 per successful transaction with no setup or monthly fees on standard pay-as-you-go. See https://xta.check-outnow.com/pricing for current rates.
How long does settlement take after a successful payment?
Confirmed payments credit your Xtrapay business balance according to your account rules and risk profile. You can withdraw to Nigerian bank accounts from the business dashboard when funds are available.
Do I need a Nigerian business to use Xtrapay?
Merchants register a business profile and complete verification (KYC) as required for compliance. The platform is designed for legitimate Nigerian and Nigeria-facing businesses accepting local bank payments.
