XtraPay Virtual Account Integration - Quick Start Guide

🚀 Get Started in 5 Minutes

Step 1: Get Your Credentials (2 minutes)

Log in to XtraPay dashboard at https://xtrapay.cash
Go to Sites → Create New Site (if you don't have one)

- Enter your site name, URL, and webhook URL
- API Code and API Key are automatically generated for you

After creating your site, go to Sites → Select your site
Copy these auto-generated values:

- API Code (e.g., abc123xy) - Auto-generated
- API Key (64 characters) - Auto-generated
- Webhook URL - The URL you entered where you'll receive notifications
What is this? XtraPay provides virtual account numbers that your customers can use to make bank transfers. When they pay, you'll receive instant notifications. No manual API key generation needed - everything is set up automatically!

Step 2: Set Your Webhook URL (1 minute)

In site settings, enter your webhook URL:

   https://yourwebsite.com/webhooks/xtrapay

Save changes

Step 3: Request Account Number (2 minutes)

PHP Example:

<?php
$ch = curl_init('https://xtrapay.cash/api/v1/virtual-accounts/request');
curl_setopt_array($ch, [
    CURLOPT_RETURNTRANSFER => true,
    CURLOPT_POST => true,
    CURLOPT_POSTFIELDS => json_encode([
        'site_api_code' => 'your_api_code',
        'amount' => 5000.00,
        'customer_email' => 'customer@example.com',
        'customer_name' => 'John Doe'
    ]),
    CURLOPT_HTTPHEADER => [
        'Content-Type: application/json',
        'X-API-Key: your_api_key'
    ],
]);

$response = json_decode(curl_exec($ch), true);
curl_close($ch);

if ($response['success']) {
    echo "Account: " . $response['data']['account_number'];
    echo "Bank: " . $response['data']['bank_name'];
}
?>

JavaScript Example:

const response = await fetch('https://xtrapay.cash/api/v1/virtual-accounts/request', {
    method: 'POST',
    headers: {
        'Content-Type': 'application/json',
        'X-API-Key': 'your_api_key'
    },
    body: JSON.stringify({
        site_api_code: 'your_api_code',
        amount: 5000.00,
        customer_email: 'customer@example.com',
        customer_name: 'John Doe'
    })
});

const result = await response.json();
if (result.success) {
    console.log('Account:', result.data.account_number);
    console.log('Bank:', result.data.bank_name);
}

Step 4: Handle Webhook Notifications

Create a webhook endpoint on your website to receive payment notifications:
PHP Example:

<?php
// webhooks/xtrapay.php
$payload = json_decode(file_get_contents('php://input'), true);

if ($payload['event'] === 'payment.received' && 
    $payload['transaction']['status'] === 'success') {
    
    $orderId = $payload['metadata']['order_id'];
    $amount = $payload['transaction']['amount'];
    
    // Update your order status
    updateOrderStatus($orderId, 'paid');
    
    // Send confirmation email
    sendEmail($payload['transaction']['customer_email'], $orderId);
}

http_response_code(200);
echo json_encode(['success' => true]);
?>

Node.js Example:

app.post('/webhooks/xtrapay', (req, res) => {
    const payload = req.body;
    
    if (payload.event === 'payment.received' && 
        payload.transaction.status === 'success') {
        
        const orderId = payload.metadata.order_id;
        
        // Update order status
        updateOrderStatus(orderId, 'paid');
        
        // Send confirmation email
        sendEmail(payload.transaction.customer_email, orderId);
    }
    
    res.status(200).json({ success: true });
});

📋 What Happens Next?

Customer pays → Transfers money to the virtual account number
XtraPay processes → Payment is verified automatically
Webhook sent → Your website receives instant notification
Order updated → Your system processes the payment
Customer notified → Confirmation email sent

🔍 Testing

Request a test account with small amount (₦100)
Make a test payment
Check your webhook logs
Verify order status updated

📚 Full Documentation

Complete Guide: XtraPay Virtual Account Integration Guide
API Reference: XtraPay API Documentation

💰 Transaction Fees

XtraPay charges a small fee for each virtual account transaction:

1.5% of the transaction amount
₦100 flat fee per transaction

Fee Calculation Example

If a customer pays ₦10,000:

1.5% fee: ₦150
Flat fee: ₦100
Total fees: ₦250
Amount credited to you: ₦9,750

Important Notes

Fees are deducted automatically when payment is received
You will receive: Requested amount - (1.5% + ₦100)
Account for fees when displaying amounts to customers
If you want to receive exactly ₦10,000, request ₦10,256.41 from customer

- Calculation: ₦10,000 ÷ 0.985 + ₦100 = ₦10,256.41

Fee Calculation Formula

Amount to Request = (Desired Amount + ₦100) ÷ 0.985

Example: To receive ₦5,000:

Amount to Request = (₦5,000 + ₦100) ÷ 0.985
Amount to Request = ₦5,177.66

⚠️ Important Notes

Minimum amount: ₦1.00
Account expires: 24 hours
Webhook timeout: 10 seconds
Always use HTTPS in production
Store transaction references to prevent duplicates
Fees are automatically deducted - plan accordingly

🆘 Need Help?

Check your site's API credentials
Verify webhook URL is accessible
Review logs in dashboard
See full documentation for troubleshooting

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Ready to go live? Follow the complete guide for production-ready integration!

Quick Start Guide