Accept payments
without the
friction.
Collect Payments from your customers across every Zimbabwean payment method mobile money, cards, wallets and local bank transfers and reconcile it all from one dashboard — Built for Zimbabwe, ready for USD and ZiG
Meet XPay
Zimbabwe's Enterprise
Payment Platform
XPay is a modern payment platform that enables businesses to securely accept, process, and manage digital payments through a single, unified solution. It supports multiple payment methods, including mobile money, bank cards, digital wallets, and local bank transfers, making it easy to deliver seamless payment experiences across web, mobile, and business applications.
Designed for businesses of all sizes, XPay simplifies payment operations with powerful tools for transaction management, invoicing, settlements, reporting, and integrations, helping organizations streamline their financial processes with confidence.
Faster Payments & Improved Cash Flow
Receive payments faster through direct settlements that give you quicker access to your revenue. Improve cash flow, simplify reconciliation, and spend less time managing payment delays.
Reliable, High-Performance Platform
XPay automatically retries transactions affected by temporary network or gateway interruptions, increasing payment success rates. Combined with dedicated compute infrastructure, the platform delivers fast, stable, and consistent performance without the "noisy neighbour" effect.
Flexible & Scalable for Every Business
Whether you're a startup, SME, enterprise, financial institution, or government organization, XPay grows with your business. Choose between cloud-hosted or self-hosted deployment to meet your operational, security, and compliance requirements.
Secure & Easy to Integrate
Built with enterprise-grade security, XPay protects every transaction using modern encryption and secure authentication. Developer-friendly APIs make it easy to integrate with websites, mobile apps, ERP, CRM, accounting systems, and other business applications.
Automate Your Payment Operations
Simplify billing and eliminate repetitive manual processes with intelligent payment automation. Streamline financial workflows, improve operational efficiency, and allow your team to focus on growing the business instead of managing payments.
Features
Everything You Need
to Manage Payments
Accept, manage, monitor, and reconcile payments from one secure platform designed for businesses of every size.
Direct Settlements
Receive payments directly into your designated settlement account, reducing delays and improving cash flow. XPay simplifies reconciliation by ensuring funds are transferred efficiently and transparently.
White-Label Platform
Deliver a seamless payment experience under your own brand. Customize the payment interface with your logo, colors, and domain to provide customers with a consistent and trusted brand experience.
Invoice Management
Create, send, and manage professional invoices from a centralized platform. Track payment status in real time, send reminders, and keep your billing process organized and efficient.
Recurring Billing
Automate recurring payments by scheduling invoices to be generated and sent at predefined intervals. Ideal for subscriptions, memberships, service contracts, rentals, and other recurring billing models.
Smart Transaction Retry
Increase payment success rates with intelligent transaction retries. If a payment fails due to a temporary network or gateway issue, XPay automatically retries the transaction, minimizing failed payments and improving the customer experience.
Self-Hosted Deployment
Deploy XPay within your own infrastructure to maintain complete control over your payment environment, security policies, and compliance requirements while integrating seamlessly with your existing systems.
Dedicated Compute
Run XPay on dedicated computing resources to ensure consistent performance, enhanced reliability, and faster transaction processing without the limitations of shared infrastructure or "noisy neighbour" environments.
API Integration
Integrate XPay quickly with your website, mobile application, ERP, CRM, POS, or other business systems using secure, developer-friendly APIs. Build custom payment experiences while keeping your payment operations connected and automated.
Merchant Dashboard & Reporting
Monitor transactions, settlements, invoices, and payment activity from an intuitive dashboard. Access real-time reports and insights to simplify financial management, reconciliation, and business decision-making.
Supported payment methods
Every method your
customers already use
One integration. Every local and international payment method — no extra setup required.
EcoCash
Mobile Money · USD & ZiG
Reach Zimbabwe's largest mobile money user base. Customers pay with their EcoCash wallet — no card required.
OneMoney
Mobile Money · USD & ZiG
Accept payments from NetOne's OneMoney wallet, giving your customers more flexibility in how they pay.
O'Mari
Mobile Wallet · USD & ZiG
Accept payments from O'Mari mobile wallet users in both USD and ZiG with no extra setup.
InnBucks
MicroBank Wallet · USD
Accept payments from InnBucks microbank wallet users with seamless checkout and instant confirmation.
Visa
International Card · USD
Accept Visa card payments from customers locally and internationally.
Mastercard
International Card · USD
Accept Mastercard payments from customers locally and internationally.
Zimswitch
Local Bank EFT · USD & ZiG
Process local bank transfers through Zimbabwe's Zimswitch network — the national EFT scheme for debit transactions.
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. We'll create your xPay account, configure it to suit your needs, and guide you through a smooth onboarding process.
Connect xPay
Connect your existing merchant accounts from supported payment providers — we securely links your accounts to xPay, enabling unified payment processing, direct settlements, and centralized transaction management
Start Accepting Payments
Once connected, start accepting payments through multiple channels while xPay manages transaction tracking, automated reconciliation, invoicing, and real-time payment updates from one secure platform.
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.