.png&w=256&q=75)
About XtraPay
XtraPay is a backend software from CodeXtra Africa designed for managing the TextCus Platform. It provides features such as user administration, transaction monitoring, and data reporting so users can efficiently manage their operations. With XtraPay, administrators can access strict area controls specifically for TextCus administration, ensuring secure and effective management of user interactions and transactions. The platform also facilitates easy onboarding of new users and offers comprehensive reporting tools for tracking performance metrics. Key capabilities: user administration transaction monitoring data reporting secure access controls performance tracking Best for: administrators that need to manage user operations on the TextCus platform effectively.
XtraPay by CodeXtra Africa is an emerging financial services platform aimed at simplifying payments for African SMEs and consumers. Its core purpose is to unify B2B transfers, payroll disbursement, QR “Scan to Pay,” POS withdrawals/transfers, and international receipts under one cloud-based experience. Standout features include bulk payroll payouts, business virtual cards for controlled spending, and a royalty/loyalty program that rewards active users—an unusual twist for a payments product. The interface leans toward clarity and speed: a card-based dashboard surfaces balances, recent transactions, and quick actions (Send, Pay Bills, Payroll). Navigation follows a simple flow—select a rail (Payments, Payroll, Cards), confirm beneficiaries, and authorize—reducing friction for finance teams that process repetitive tasks. QR payment screens are clean and scannable, and beneficiary management is straightforward, which helps cut errors during bulk operations. Functionally, XtraPay covers everyday rails (bank transfers, mobile money, bill payments) and adds business-first capabilities like bulk payroll and virtual cards. The QR “Scan to Pay” supports retail and e-commerce checkout, while POS integration enables cash access and transfers where card acceptance is uneven.
Pros & Cons
- +Seamlessly integrates with the wider XtraKit ecosystem including POS and HR tools for a unified business management experience.
- +Provides versatile accessibility across Web, Android, and iOS platforms to ensure merchants can manage transactions from any device.
- +Creates consistent residual income opportunities for agents and merchants through transaction-based commissions and service fees.
- +Ensures high-level data protection by utilizing 100% secure payment encryption combined with mandatory BVN matching.
- +Optimized specifically for the West African context with native support for local mobile money providers and utility billers.
- −Becoming a verified merchant or partner requires an upfront subscription fee before the platform can be fully utilized.
- −Strict BVN and KYC verification requirements are mandatory for compliance and may pose a hurdle for some informal applicants.
- −Physical agency banking features and localized cash-in/cash-out services are currently limited to specific West African regions.
- −Standard interbank transfer fees apply to transactions which may impact the thin margins of high-volume micro-merchants.
- −High transaction volumes during peak hours can occasionally lead to temporary delays in receiving specialized technical support.
Features
Key features
- Instant B2B/P2P Transfers
- Immediate transfer of funds between business accounts or wallets without delays.
- Payroll Disbursement
- A mass-payment tool that allows businesses to pay all workers simultaneously.
- International Payments
- Capabilities for Ghanaian/Nigerian businesses to receive payments from international customers.
- Agency Banking (Cash-In/Cash-Out)
- Empowers merchants to act as "human ATMs" for their communities.
- Utility & Bill Management
- Centralized hub for paying electricity, cable TV (DSTV/GOTV), and purchasing mobile data/airtime.
Additional features
- QR "Scan to Pay"
- Enable merchants to accept instant payments through QR code scanning technology.
- Virtual Dollar/Local Cards
- Provide secure virtual cards for online subscriptions and international purchase transactions.
- Wallet-to-Bank Transfers
- Move funds seamlessly between wallets and linked bank accounts with ease.
- Real-time Transaction Notifications
- Receive instant alerts via push, SMS, or email for every transaction.
- Automated Refunds
- Guarantee automatic money-back on failed recharges or unsuccessful payment attempts.
- Transaction History & Reporting
- Access detailed transaction records with financial reporting for better tracking.
- Referral & Loyalty Rewards
- Earn incentives through referrals and loyalty programs that encourage customer retention.
- Bulk SMS Integration
- Send promotional or transactional messages instantly via TextCus bulk messaging integration.
- Security Verification
- Verify customer identities using BVN, NIN, or ID matching compliance.
- Multi-user Sub-accounts
- Create sub-accounts for business teams with controlled access and permissions.
Pricing
Countries & Languages
Available in
Interface languages
Billing currencies
No reviews yet
Be the first to drop a review
Alternatives to XtraPay
Diebold Nixdorf
Wincor Nixdorf developed WINCLOUD as a software solution targeting organizations that need consistent process execution.…
Waza
Waza is a global payments software from Waza that helps emerging market businesses, multinational corporates,…
Semoa Pro
Semoa Pro is a compliance management software from SEMOA that helps organizations maintain regulatory standards.…
PayForce by FairMoney
PayForce is a banking software from FairMoney that simplifies banking for emerging markets. It combines…
About XtraPay
XtraPay is a backend software from CodeXtra Africa designed for managing the TextCus Platform. It provides features such as user administration, transaction monitoring, and data reporting so users can efficiently manage their operations. With XtraPay, administrators can access strict area controls specifically for TextCus administration, ensuring secure and effective management of user interactions and transactions. The platform also facilitates easy onboarding of new users and offers comprehensive reporting tools for tracking performance metrics. Key capabilities: user administration transaction monitoring data reporting secure access controls performance tracking Best for: administrators that need to manage user operations on the TextCus platform effectively.
XtraPay Details
XtraPay's In-App Market Place
Does XtraPay have an in-app market place?
Yes
How many Mini-Apps in the marketplace?
1
Mini Apps
N/A
Pricing Options
Accepted Payment Currencies
GHS (₵), NGN(#)
Pros & Cons
- Seamlessly integrates with the wider XtraKit ecosystem including POS and HR tools for a unified business management experience.
- Provides versatile accessibility across Web, Android, and iOS platforms to ensure merchants can manage transactions from any device.
- Creates consistent residual income opportunities for agents and merchants through transaction-based commissions and service fees.
- Ensures high-level data protection by utilizing 100% secure payment encryption combined with mandatory BVN matching.
- Optimized specifically for the West African context with native support for local mobile money providers and utility billers.
- Becoming a verified merchant or partner requires an upfront subscription fee before the platform can be fully utilized.
- Strict BVN and KYC verification requirements are mandatory for compliance and may pose a hurdle for some informal applicants.
- Physical agency banking features and localized cash-in/cash-out services are currently limited to specific West African regions.
- Standard interbank transfer fees apply to transactions which may impact the thin margins of high-volume micro-merchants.
- High transaction volumes during peak hours can occasionally lead to temporary delays in receiving specialized technical support.
XtraPay's Support Options
XtraPay's Alternatives
Diebold Nixdorf
Wincor Nixdorf developed WINCLOUD as a software solution targeting organizations that need consistent process execution.…
Waza
Waza is a global payments software from Waza that helps emerging market businesses, multinational corporates,…
Semoa Pro
Semoa Pro is a compliance management software from SEMOA that helps organizations maintain regulatory standards.…
PayForce by FairMoney
PayForce is a banking software from FairMoney that simplifies banking for emerging markets. It combines…
