A mobile payment app for individuals and businesses in Nigeria that offers escrow for online deals, transfers, virtual USD cards, airtime, and bill payments.

Screenshot of Xedla website

Is Xedla right for you?

Best for

  • Online buyers
  • Online sellers
  • Peer to peer deals
  • Small business payments
  • Freelance payments

What it does well

  • Escrow for online deals
  • Bank transfers
  • Virtual dollar cards
  • Airtime top ups
  • Bill payments

Things to check

  • Escrow release steps
  • Transfer limits
  • Virtual card fees
  • Supported billers list
  • Nigeria only

Xedla is a mobile payment platform for individuals and small businesses that helps buyers and sellers complete online transactions safely using escrow and everyday payment tools.

Key capabilities include:

  • Escrow payments for online transactions, holding funds until both parties confirm satisfaction, with live chat to communicate during the deal
  • Transfers and everyday payments, including bank-to-bank transfers, airtime and data top-ups, and utility or bill payments
  • Virtual USD cards (Visa and Mastercard) for international online purchases
  • Instant account opening with BVN, plus features like cashback, and support for Plugin/SDK and API integrations

Available on mobile via **Web , Android and IOS.

Target users include students, freelancers, online buyers and sellers, plus businesses that need to collect and send payments.

It is notable in the Nigerian market for focusing on trust in e-commerce payments through escrow and for partnerships referenced for key services, including VFD Microfinance Bank (transfers) and Maplerad (virtual cards).

As of Jun 22, 2026, Xedla is rated 5.0 on the App Store from 2 reviews and 4.9 on Google Play from 11 reviews with 500+ installs.

Phone:+234 707 578 5323
Social Links:
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