All systems operational

Build African fintech
with one API

Wallets, virtual cards, crypto deposits, airtime, bills, and gift cards — all through a single REST API. Build fintech products across Africa without the infrastructure headache.

Start Building — It's FreeView Quick Start
99.9%
Uptime SLA
<100ms
Avg response
11+
API endpoints
4
Product areas
Free
To start

Four powerful API products

One API key. All products. Zero onboarding complexity.

Wallets API

Create multi-currency wallets, check balances, and move funds programmatically.

GET /v1/walletsPOST /v1/wallets/fundGET /v1/wallets/balance

Virtual Cards API

Issue virtual Mastercard/Visa cards, set spending limits, freeze/unfreeze instantly.

POST /v1/cards/createGET /v1/cardsPATCH /v1/cards/:id/freeze

Crypto API

BTC, ETH, SOL, XRP wallets — generate addresses, monitor deposits in real-time.

GET /v1/wallets/cryptoPOST /v1/swapGET /v1/rates

Payments API

Airtime, data, electricity, water, cable TV, and gift cards — all one endpoint away.

POST /v1/airtimePOST /v1/bills/payPOST /v1/giftcards/buy

What developers build with XPurse

Real use cases, production-ready APIs.

🏪

Merchant Checkout

Accept crypto or fiat payments on your store. Credit wallets instantly.

💸

Remittance Apps

Send money across borders. Convert currency and deliver to mobile wallets.

📱

Super Apps

Embed bill payments, airtime, and savings into your existing app.

🤖

Bots & Automation

Build Telegram/WhatsApp bots that fund wallets and buy gift cards.

🏦

Neobanks

Issue virtual cards and multi-currency wallets to your own users.

📊

Finance Dashboards

Pull balance, transactions, and analytics for internal tools.

QUICK START

From zero to first call in 3 minutes

No SDK needed. Just HTTP. Works from any language or platform.

  1. 01
    Create a free account
    Sign up at xpursepay.com. No credit card required.
  2. 02
    Generate an API key
    Go to /developers/keys and click "New Key". You get xp_live_... key immediately.
  3. 03
    Add the header
    Add x-api-key: xp_live_YOUR_KEY to every request. That's all the auth you need.
  4. 04
    Go live instantly
    No review process. No approval. Your key works on real data immediately.
Response format — always consistent
// Success
{ "success": true,  "data": { ... } }

// Error
{ "success": false, "error": "reason" }
# 1. Check your wallets
curl https://www.xpursepay.com/api/v1/wallets \
  -H "x-api-key: xp_live_YOUR_KEY_HERE"

# 2. Buy airtime
curl -X POST https://www.xpursepay.com/api/v1/airtime \
  -H "x-api-key: xp_live_YOUR_KEY_HERE" \
  -H "Content-Type: application/json" \
  -d '{"phone":"+2348012345678","amount":500,"network":"MTN"}'
API REFERENCE

All endpoints at a glance

Base URL: https://www.xpursepay.com

Method
Endpoint
Description
Auth
GET
/api/v1/wallets
List all user wallets & balances
GET
/api/v1/wallets/balance
Simplified balance summary
GET
/api/v1/wallets/crypto
Crypto-only wallets with prices
POST
/api/v1/wallets/fund
Get deposit address for a currency
POST
/api/v1/wallets/send
Send crypto on-chain
GET
/api/v1/cards
List all virtual cards
POST
/api/v1/cards
Issue a new virtual card
PATCH
/api/v1/cards
Freeze / unfreeze / fund a card
POST
/api/v1/swap
Swap between currencies
GET
/api/v1/rates
Live exchange rates (public)
pub
GET
/api/v1/prices
Live crypto & fiat prices (public)
pub
POST
/api/v1/airtime
Purchase airtime or data bundle
POST
/api/v1/bills
Pay electricity, water, cable, etc.
POST
/api/v1/giftcards
Purchase a gift card
GET
/api/v1/transactions
Transaction history
GET
/api/v1/wallets/currencies
All supported currencies & networks
pub
GET
/api/health
Service health check
pub

Locked endpoints require x-api-key header. Public endpoints work without authentication.

Secure by Default

API keys hashed with bcrypt. TLS everywhere. Rate limiting on all endpoints.

Real-time Webhooks

Push events for deposits, card transactions, bill status, and more.

REST + JSON

Predictable REST API. Consistent {success, data, error} responses always.

99.9% Uptime SLA

Hosted on Render with auto-restart. Zero cold starts on paid plan.

Documentation

Everything documented, nothing hidden

Every endpoint, every parameter, every response field documented with examples. Error codes, rate limits, webhook event types — all covered.

API Reference
Webhooks GuideSoon
SDK ExamplesSoon
ChangelogSoon

Ready to start building?

Get your API key in seconds. No credit card, no approval, no waiting. Your key works on live data immediately.

Get Your Free API Keyor go to user dashboard →
No credit card required
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