Accept payments
without the
friction.
XPay is Zimbabwe's enterprise payment platform that enables businesses to accept, manage, and automate payments through a single secure platform. From mobile money and bank transfers to cards and digital wallets, XPay provides everything you need to grow your business with confidence
Meet XPay
Zimbabwe's Enterprise
Payment Platform
XPay provides businesses with a complete payment infrastructure to collect, manage, and automate transactions through one secure solution. Whether you're accepting online payments, sending invoices, managing subscriptions, or processing in-store payments, XPay brings every payment channel together in one centralized platform.
Built for businesses of every size, XPay integrates seamlessly with websites, mobile applications, ERP systems, CRM platforms, and accounting software through powerful APIs and webhooks. With real-time transaction visibility, direct settlement to your connected payment accounts, and an intuitive merchant dashboard, XPay simplifies payment operations while helping businesses improve efficiency, accelerate cash flow, and deliver a better customer payment experience.
Dashboard overview
Why Businesses Choose XPay
One Platform for
Every Payment
Accept multiple payment methods from one centralized platform
Get Paid Faster
Direct settlements mean quicker access to your revenue, simpler reconciliation, and fewer delays between a customer's payment and funds landing in your account.
Built for Reliability
Failed transactions are automatically retried after temporary network or gateway hiccups, boosting success rates. Enterprise infrastructure ensures consistent performance, reliability, and uptime even as your transaction volumes grow
Scales With Your Business
From startups to enterprises, XPay grows with you. Deploy cloud-hosted for speed or self-hosted for full control over your operational, security, and compliance requirements.
Secure by Design
Every transaction is protected with AES-GCM encryption and secure authentication. Developer-friendly APIs make it simple to connect XPay to your website, mobile app, ERP, CRM, or accounting system.
Automation That Saves Time
Cut out repetitive manual work with intelligent payment automation. Streamline billing workflows and free your team to focus on growing the business instead of chasing payments.
Features
Everything You Need
to Manage Payments
Accept, manage, monitor, and reconcile payments from one secure platform designed for businesses of every size.
Unified Payment Processing
Accept payments across multiple channels, including mobile money, cards, bank transfers, wallets, and other supported payment methods. XPay connects your payment providers through one unified platform, simplifying payment management while giving your customers flexible ways to pay.
Merchant Dashboard
Manage transactions, customers, products, invoices, settlements, and payment activity from one centralized dashboard. Gain real-time visibility into your business operations without switching between multiple systems.
Hosted Checkout
Provide customers with a secure, XPay-hosted checkout experience without handling sensitive payment credentials directly. Reduce integration complexity and compliance requirements while delivering a smooth, trusted, and reliable payment journey.
Payment Links
Create secure payment links in seconds and share them through email, WhatsApp, SMS, or other channels. Collect payments easily without requiring complex development, making it ideal for businesses that need fast and flexible payment collection.
Products, Invoicing & Recurring Billing
Create products, generate invoices, and manage customer payments from one platform. Automate recurring billing for subscriptions, memberships, rentals, and service contracts while keeping payment records organized with reminders and real-time status tracking.
Developer APIs & Webhooks
Integrate XPay into websites, mobile applications, ERP systems, CRM platforms, and other business applications using powerful REST APIs and webhooks. Build custom payment experiences while keeping your payment workflows connected and automated.
Smart Payment Automation
Improve payment success rates and reduce manual work with intelligent automation. XPay supports transaction monitoring, automatic retries for temporary payment failures, reconciliation workflows, and streamlined payment operations.
Analytics & Reporting
Access detailed transaction reports, payment analytics, reconciliation tools, and settlement insights from one platform. Turn payment data into meaningful business insights that help you monitor performance and make informed decisions.
White-Label & Flexible Deployment
Deliver a payment experience that matches your business needs with customizable branding and flexible deployment options. Choose a fully managed XPay environment or self-hosted deployment while maintaining control over your payment infrastructure.
Settlement & Pricing
Get Paid Faster with
Transparent Pricing
No monthly fees, no setup costs. Fees are added to the transaction and paid by your customer — you receive the full amount you charged.
Payments
Accept payments across multiple channels with one simple, customer-paid transaction fee
- ✓ All 7 payment methods
- ✓ Direct settlement to your own accounts
- ✓ No monthly fees or setup costs
- ✓ Auto reconciliation & webhooks
Direct Settlement
Connect your existing EcoCash, OneMoney, InnBucks, O'Mari, Zimswitch, and card accounts. XPay manages payments across all providers through one integration while you maintain direct relationships with each provider
- ✓ Funds settle directly to you
- ✓ No float, pooling, or held payouts
- ✓ Nothing to reconcile against a third-party balance
- ✓ Keep your existing settlement timelines
Invoices
Create and send professional invoices with simple, customer-paid pricing
- ✓ Recurring & one-off invoicing
- ✓ Automatic payment reminders
- ✓ Real-time payment status
- ✓ Secure hosted checkout included
Getting started
How XPay works
From first contact to first payment in minutes, not weeks.
Contact Our Team
Tell us about your business and payment requirements. XPay supports a Bring Your Own Accounts (BYOA) model, allowing businesses to connect their existing payment provider accounts. Our team will guide you through a smooth onboarding process
Connect Your Payment Accounts
Securely link your provider accounts to XPay. We bring all your payment channels together through one platform, enabling unified processing, direct settlements, and centralized transaction management
Start Accepting Payments
Start accepting payments while managing transactions, customers, invoices, and reports from the XPay dashboard. Every payment settles directly to your connected provider accounts, with full visibility and control
Ready to accept
payments online?
Tell us about your business and we'll show you how XPay fits — no commitment required.
Email us directly
info@optimasyssolutions.comSend us a message
We typically respond within one business day.