Why use Xcropay.com?

See why many business personel use Xcropay


Protecting both buyers and sellers

Using Xcropay, buyers get to inspect the goods or services before accepting them, protecting the buyer. Likewise, sellers are protected from counterpart risk by no chargeback, ever.

Knowing at every step

Every time you log into Xcropay.com, our status updates will let you know exactly where you are in the transaction process and if there is action required by you.

Xcropay.com Payment Options

Xcropay.com offers two types of payment options including bank transfers and credit cards through PayStack. Payment types may have certain limitations.

Peace of mind, security, and convenience

Using Xcropay, you are 100% sure of a safe transaction. Facilitated by a trusted third-party, the Xcropay process acts as your personal tool to ensure a safe, secure and intuitive sale for both buyers and sellers.

Xcropay Secured Account

When you make a transaction using Xcropay.com, your funds are held in secured, non interest bearing trust Xcropay Accounts until the transaction is completed. This ensures that your transaction is protected against chargebacks, fraud or wrongly described goods.

Personal service behind every transaction

Our licensed and regulated services are also backed by our experienced and knowledgeable Xcropay officers. Our friendly Xcropay professionals are available to assist you personally with any need that may arise.

How Xcropay Works


Xcropay.com reduces the risk of fraud by acting as a trusted third-party that collects, holds and only disburses funds when both Buyers and Sellers are satisfied.




Buyer and Seller agree to terms

Either the Buyer or Seller begins a transaction. After registering at Xcropay.com, all parties agree to the terms of the transaction.

Buyer pays Xcropay.com

The Buyer submits a payment by approved payment method to our secure Xcropay Account, Xcropay.com verifies the payment, the Seller is notified that funds have been secured in Xcropay.

Seller delivers to Buyer

Upon payment verification, the Seller is authorised to send the merchandise and submit tracking information or other evidence. Xcropay.com verifies that the Buyer receives the merchandise.

Buyer accepts merchandise

The Buyer has a set number of days to inspect the merchandise and the option to accept or reject it. The Buyer accepts the merchandise

Xcropay.com pays the Seller

Xcropay.com releases funds to the Seller from the Xcropay's Account.