Let customers pay with crypto & get your naira.
Your customers scan your Xpend QR and pay from their wallet. Xpend handles the rest, and you receive naira within seconds. No crypto volatility, no complex setups.
Put up your QR & Start getting paid.
Accepting payments shouldn't require complex POS terminal registration or expensive hardware integrations.
Customer scans your QR
Place your custom Xpend QR at your payment point. Customers simply open their preferred crypto wallet to scan the printed or digital QR code.
They enter amount and pay
They can pay from their existing wallet. They do not need an Xpend account. The interface natively translates currency fields for them seamlessly.
You receive naira
Xpend handles the payment and conversion, and sends the payment to your configured destination within seconds. Pure, stable local currency settlement.
Another way to get paid. Without changing how you already work.
Don't force your business to adapt to new complex back-office financial architectures. Integrate crypto payouts organically.
Don't turn away another way to pay
Give customers who hold crypto another way to complete their purchase. Open your store up to global digital cash options effortlessly.
Keep the setup you already have
Xpend works alongside your POS, bank transfers and other payment methods. No hardware to replace, no system swaps required.
No new system for your staff to learn
Place the QR at the payment point and keep running your business as usual. Cashiers treat it just like any other instant payment confirmation.
One business. As many payment points as you need.
Create different QR codes for different POS points and choose where each one's payments should go. Track performance by location, station, or terminal.
“Every QR can have its own payment destination.”
Your payments, your rules.
Take complete command of incoming transaction channels, currency routing, and live business statistics.
Choose what you accept
Configure crypto, naira, or both payment methods seamlessly. Instantly toggle currencies with immediate update parameters.
Choose where payments go
Configure the specific bank account or multiple accounts you want to route business revenue into, completely automated.
See your transactions
Monitor your daily performance metrics, currency volumes, transaction statuses, and download complete ledger records.
Want Xpend inside your own product?
Use Xpend's API to build your own payment experience while Xpend handles the payment infrastructure underneath. From invoice webhooks to complex ledger balances.
Payment Intents API
Generate dynamic checkout structures on the fly.
Signed Webhooks
Real-time payment notification verification signals.
Payouts & Settlements
Automated triggers for naira conversion and bank routes.
Custom Checkouts
Style the customer interfaces exactly how you prefer.
Start accepting payments with Xpend.
Follow our simple compliance onboarding flow and activate your merchant checkout options.
Create your account
Register your business identity details with standard security profile configuration parameters.
Complete verification
Verify business documents and register standard legal operations info to ensure compliant processing paths.
Configure destinations
Connect specific settlement bank accounts so payouts translate and deposit smoothly to local institutions.
Get QR & process
Activate live custom payment codes and printed POS badges. Your merchants start collecting instantly.
Frequently asked questions
Everything you need to know about processing payments as an Xpend business merchant.
No. Your customers can pay with crypto while you receive naira. Xpend handles all real-time conversion and direct settlement into your bank account.
Don't lose a sale because your customer wants to pay differently.
Add Xpend to the ways your business gets paid. Quick activation with no onboarding fees.