For SMETraderFreelancersOnline businessesRestaurantGym
Manage your business
finances in WhatsApp
Generate invoices, accept payments, run payroll, and track expenses — all in one
chat. Xara makes business transactions simple.
Your Financial Assistant
in Every Chat
No switching apps. No typing long account numbers. No rigid steps. Just say what you want.
Explore more ways to take your
business to the next level.
Most banking apps only accept text. Xara accepts however
you communicate.
Link Existing Business Account
Keep using the banking relationship you already trust while managing everyday activity through Xara.
Upload Excel Sheet (Payroll)
Pay your entire team from a spreadsheet. Upload once, verify the details, and confirm the batch.
Customer Reviews
Collect and monitor customer feedback directly from WhatsApp conversations with your business.
Over Millions People are Using Xara
Frequently asked
Questions
Everything you need to know about the program,
eligibility, and how it works.
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.
Lost Your Phone? Secure
Your Xara Instantly
If your device is stolen or compromised, don’t worry you can freeze your Xara account right from any WhatsApp device. We’ll pause all payment activity and guide you through recovery.