Developer Hub
Everything you need to integrate Xtrapay — API reference, webhooks, and testing tools.
API reference
Base URL
https://xta.check-outnow.com/api/v1
Authentication
All API requests require an API key in the header:
X-API-Key: pk_your_api_key_here
Webhooks
Real-time notifications when payment status changes.
Webhook events
payment.approved— Payment verified and approvedpayment.rejected— Payment rejected or expired
Quick integration guide
Get API keys
Sign up and get your API keys from the dashboard
Make API call
Create payment requests using our REST API
Receive webhook
Get notified when payment is verified
Testing
Test mode
Use test API keys to validate your integration without processing real payments.
Note: Test mode uses the same API endpoints but with test credentials. No real payments will be processed.
API FAQs
See all FAQs including WordPress and API topics.
Does Xtrapay offer a payment gateway API in Nigeria?
Yes. Merchants use REST APIs to create payments, virtual accounts, and subscriptions, with webhook callbacks for success and failure. Start at https://xta.check-outnow.com/api-docs and complete signup for full keys and reference docs in the business dashboard.
How do I authenticate API requests?
Generate API keys from your Xtrapay business dashboard. Send the secret key in the Authorization header as documented in your account API reference. Never expose secrets in client-side mobile or browser code.
What webhook events should my app handle?
At minimum, handle payment success and failure events so you can fulfill orders or grant access. Verify webhook signatures when provided, respond quickly with HTTP 200, and make handlers idempotent using your payment reference IDs.
How do virtual account payments work via API?
Create a payment with amount and customer metadata; Xtrapay returns account details or payment instructions. When the customer transfers from a Nigerian bank, matching completes the payment and triggers your webhook.
Is there a sandbox for developers?
Use test credentials from your dashboard for integration testing. Sandbox transactions are for quality assurance only and do not qualify for developer revenue share.
How should I handle duplicate webhook deliveries?
Store processed event IDs or payment references and ignore repeats. Design fulfillment logic to be idempotent so the same successful payment never ships twice.
Can I integrate Laravel, mobile apps, or custom checkout?
Yes. Any stack that can call HTTPS APIs and receive webhooks can integrate. Agencies in the Developer Program should align partner attribution during onboarding at https://xta.check-outnow.com/developers/program.
Where is the full API reference?
Public overview lives at https://xta.check-outnow.com/api-docs. After registration, open API documentation inside your business dashboard for endpoints, payloads, and examples tied to your environment.
Build with Xtrapay
Create a business account to get API keys and start accepting payments.