Everything you need to know about Xara

Xara for Business brings the same WhatsApp-native AI experience to merchants and businesses. Over 150 businesses already use it to accept payments, manage transactions, and interact with customers directly inside WhatsApp, no separate app, no new dashboard to learn.

Any business that wants to accept payments and manage money without forcing customers or staff onto a separate app: market vendors, service providers, salons, retail, and growing SMEs across Nigeria.

A Business account is set up specifically to receive payments from customers, track business spending separately from personal funds, and (soon) issue bulk payments to staff or suppliers.

Send “Hi Xara” on WhatsApp and select business account creation during onboarding, or reach out directly through usexara.ai for a guided setup. You’ll need standard business verification details to get set up.

Yes. Customers can send payments directly to your Xara business account the same way they'd send money to any contact, no card machine, no separate payment app required.

Yes. Xara operates under licensed financial infrastructure partners and follows Nigerian AML/KYC and data protection requirements, including NDPC, SCUML certificate ISO 270001 certified.

Xara for Business offers flexible plans designed for every stage of your business growth: Free Plan (₦0/month): Great for micro-merchants starting out. Includes 30 free transfers/month, 5 invoices/month, 1 staff assistant, up to 2 bulk transfers/day (5 recipients max), and 3 weeks of spending analysis. Plus Plan (₦4,999/month): Perfect for growing businesses doing high single-transaction volume. Includes 70 free transfers/month, 50 invoices/month, up to 5 staff assistants, subscription invoices with WhatsApp follow-ups, smart spending categories, 27 weeks of spending analysis, and priority support. Exclusive Plan (₦9,499/month): Designed for scaling enterprises. Unlocks unlimited free transfers, unlimited invoices, unlimited daily image and voice inputs, unlimited bulk transfers/day (50 recipients max per run with Excel upload support), up to 10 staff assistants, branded Gold Receipts, 48 weeks of spending analysis, and a Dedicated Account Manager.

You and your designated Assistants receive instant WhatsApp notifications the exact second a payment hits your account. The notification details the customer's name, amount, and reference—eliminating the need to wait for bank SMS delays or refresh slow banking apps.

Yes. You can generate digital invoices and payment links directly inside WhatsApp. Once a customer pays, Xara can automatically generate and send a digital receipt (including branded Gold Receipts on Exclusive) directly to the customer's chat.

Bulk transfers are now active across supported business plans: Free Plan: Supports up to 2 bulk transfers per day (max 5 recipients per run). Plus Plan: Bulk payouts are disabled on this tier in favour of higher single-transaction allocations. Exclusive Plan: Supports unlimited bulk transfers per day (up to 50 recipients per run) with direct Excel file upload support to process vendor payouts and payroll in seconds.

Yes, Xara for Business supports receiving cross-border payments and mobile money transactions across select African countries. International payments from outside Africa are currently on the product development roadmap.

Yes. You can add staff as Assistants so they can verify payments, take voice/image orders, and issue receipts without gaining access to withdraw funds or alter core account settings: Free Plan: 1 Assistant max Plus Plan: Up to 5 Assistants Exclusive Plan: Up to 10 Assistants

Request bank statements directly in chat (1/month on Free, 3/month on Plus, unlimited on Exclusive). For business tracking, Xara offers spending analysis covering 3 weeks (Free), 27 weeks with smart categories (Plus), or up to 48 weeks with smart categories (Exclusive).

All business tiers receive instant automated support on WhatsApp. Plus subscribers get Priority Support, while Exclusive subscribers get assigned a Dedicated Account Manager for direct, personalised assistance.

Simply type “Dispute payment” in your Xara WhatsApp chat. Xara will collect key details (like the transaction ID or receipt screenshot) and log it with our licensed banking partners while routing you to a human support agent to resolve it transparently through the chat window.