Simple, Transparent Pricing

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.

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.

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.

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.

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.

Your business dashboard can manage websites, API keys, and products under one verified business. For separate legal entities or accounting, create additional business accounts.

Xtrapay focuses on affordable bank-transfer-first checkout, transparent fees, and tools like WhatsApp Wallet and a developer revenue-share program. The best choice depends on your stack, volume, and whether you need our specific integrations.

Create a business account at https://xta.check-outnow.com/dashboard/register, complete verification, add your website or integration (API, WooCommerce plugin, or hosted checkout), and go live with production API keys.