SaaS Billing Infrastructure Made Seamless
Go beyond basic merchant payments. Automate tier configurations, prorated upgrades, seat usage metrics, smart dunning schedules, and self-serve billing portals — native to African card and mobile money wallets.
24.5%
Avg Churn Reduction
100%
Automated Invoicing
< 12m
Dashboard setup time
Active Plan Lifecycle
Growth SaaS Tier · Auto-renewing
Monthly Subscription
Automatic card/wallet renewal
Seat Licensing
4 seats active (+ $48.00)
SLA Uptime Plug
99.99% network node routing guarantee
Billing Friction
Managing recurring revenue in Africa shouldn't be a chore
Building subscription engines requires seat allocation logic, trial managers, proration engines, and smart retries. Don't build it from scratch.
Payment Friction
Card walls block users
Forcing SaaS customers to pay with US-denominated cards blocks local users. To grow, your subscriptions must speak Mobile Money natively.
Leaking Revenue
Passive renewal churn
Failed payments are the #1 killer of African SaaS. Without smart retries (dunning), you lose customers when mobile wallets run temporarily dry.
Engineering Bloat
Entitlement spaghetti
Custom coding plan upgrades, pro-rated seat changes, and features checks leads to bloated, buggy codebases. Let Xtopay manage the lifecycle.
Xtopay solves this with a highly scalable, subscription-native ledger. Create account in 5 minutes →
Interactive Sandbox
Simulate Pricing Tiers & Subscription Lifecycles
See how Xtopay computes base and seat billing variables instantly, generates multi-currency invoices, and routes accounts through automated payment retry schedules.
✓ PRORATIONS COMPUTED
✓ MULTI-CURRENCY MATRIX ENABLED
✓ AUTOMATIC DUNNING APPLIED
Dunning & Retry Automation
Xtopay handles sign-ups, sets trial expiration logs, and initiates card verification. On Day 11, Examail sends an automated warning sequence of trial ending.
Product Capabilities
Everything your SaaS billing needs to scale
A flexible billing architecture built for subscription products in Africa. Support complex plan combinations without any custom billing code.
Hybrid Billing Tiers
Support seat licenses, monthly flat fees, usage pricing, free trials, and customized coupon discount codes in one unified plan.
Instant Prorations
Calculates credits automatically when customers upgrade or downgrade midway through their monthly billing cycles.
Intelligent Dunning
Schedule automated transaction retries, trigger SMS/WhatsApp alerts when payment fails, and temporarily freeze access to avoid loss.
Multi-Currency & Momo
Bill customers in GHS, NGN, USD, KES, and more. Accept international cards alongside popular local mobile money providers.
Compliant PDF Invoicing
Generate localized VAT invoices automatically on successful renewals. Emailed to your users or hosted on self-serve portals.
MRR & LTV Analytics
Track monthly recurring revenue, customer lifetime value, active subscribers, and exact cohort churn rates in real-time.
Subscription logic automated in one API call
Let Xtopay manage the state machine for you. We calculate trials, handle upgrades, track dunning logs, and trigger webhooks when renewals occur.
Native REST API
Clean HTTP endpoints with predictable JSON payloads
Signed webhooks
HMAC-SHA256 event delivery with automatic retries
Typed SDKs
First-class types for Node.js, Python, Go, and PHP
1curl -X POST https://api.xtopay.co/v1/subscriptions \2 -H "Authorization: Bearer sec_live_..." \3 -H "Content-Type: application/json" \4 -d '{5 "customer": "cus_01HXYZ...",6 "plan": "plan_growth_tier",7 "payment_method": "mobile_money",8 "mobile_money": {9 "phone": "0551234567",10 "provider": "mtn"11 }12 }'{ "id": "sub_01HYS2B...", "object": "subscription", "customer": "cus_01HXYZ...", "plan": { "id": "plan_growth_tier", "amount": 4900, "interval": "month" }, "status": "trialing", "trial_start": "2026-05-28T01:07:00Z", "trial_end": "2026-06-11T01:07:00Z", "current_period_start": "2026-06-11T01:07:00Z", "current_period_end": "2026-07-11T01:07:00Z", "payment_method": "mobile_money", "created_at": "2026-05-28T01:07:00Z"}Automate your SaaS subscription revenue
Add flat fees, seat licenses, or usage pricing to your software product today. Integrate in under 10 minutes.