Cadana API
Payment Gateways & Processors
Run payroll, pay contractors & calculate payroll tax across emerging markets
Cadana API Highlights
Cadana API is best for hR, payroll and fintech platforms that want to embed payroll, payroll tax and contractor payouts for African and other emerging-market teams without building tax logic in-house.
API Key
Not publicly specified
Nigeria
Ghana
KenyaCadana is payroll and workforce-payments infrastructure for emerging markets, including Africa. Its REST API lets HR, payroll and fintech platforms build their own payroll: manage workers, calculate payroll tax with a global tax engine (breakdowns, legislative citations, year-to-date tracking), handle statutory remittances and filings, hold funds in multi-currency wallets, and pay employees and contractors locally, including to bank accounts and mobile money wallets.
Integration options include REST endpoints, webhooks, a white-label UI, a multi-tenant platform for payroll providers, and embeddable widgets. com.
Cadana does not publish pricing; access and rates come through its sales team. Nigerian coverage is not listed on the public pages, so confirm NGN payroll and PAYE/pension support for your use case before building.
Cadana API Core Features & Capabilities
| Feature | Status | Description & Capabilities |
|---|---|---|
| International / Multi-Currency Payments | ✓ Supported | Accept payments and hold balances across multiple global currencies including USD, GBP, and EUR. |
| Payouts & Disbursements | ✓ Supported | Disburse single and batch payments to bank accounts and mobile wallets programmatically. |
| Webhooks & Real-time Notifications | ✓ Supported | Receive immediate server callbacks on transaction completions, chargebacks, and system events. |
| Mobile Money Payments | ✓ Supported | Provides native Mobile Money Payments capabilities integrated within the API. |
| Sandbox / Test Environment | ✓ Supported | Dedicated testing sandbox with mock data and test credentials for staging development. |
| Card Payments (Visa / Mastercard / Verve) | ✗ Not Supported | Accept payments from local and international debit and credit cards with instant authorization. (Not supported by Cadana API). |
| Bank Transfer / Pay by Transfer | ✗ Not Supported | Accept direct bank transfers with automated payment matching and instant account reconciliation. (Not supported by Cadana API). |
| USSD Payments | ✗ Not Supported | Enable customers to complete transactions using telecom and bank USSD shortcodes without internet access. (Not supported by Cadana API). |
| Virtual Account Numbers | ✗ Not Supported | Generate dynamic or dedicated NUBAN virtual bank accounts to receive automated collections. (Not supported by Cadana API). |
| Recurring / Subscription Billing | ✗ Not Supported | Automate repeated scheduled charges, subscription billing cycles, and saved card tokenization. (Not supported by Cadana API). |
| Payment Links & Invoicing | ✗ Not Supported | Create no-code shareable checkout links and electronic invoices sent directly to customers. (Not supported by Cadana API). |
| QR Code Payments | ✗ Not Supported | Generate scannable NQR and dynamic QR codes for instant mobile wallet and app payments. (Not supported by Cadana API). |
| Split Payments / Sub-accounts | ✗ Not Supported | Split Payments / Sub-accounts is currently not supported by Cadana API. |
| Direct Debit / Mandate Payments | ✗ Not Supported | Establish authorized direct debit mandates to pull funds directly from customer bank accounts. (Not supported by Cadana API). |
| Bills & Airtime Vending | ✗ Not Supported | Bills & Airtime Vending is currently not supported by Cadana API. |
| POS Terminal Support | ✗ Not Supported | POS Terminal Support is currently not supported by Cadana API. |
| Crypto / Stablecoin Payments | ✗ Not Supported | Crypto / Stablecoin Payments is currently not supported by Cadana API. |
| Escrow Payments | ✗ Not Supported | Escrow Payments is currently not supported by Cadana API. |
| Merchant of Record & Tax Handling | ✗ Not Supported | Merchant of Record & Tax Handling is currently not supported by Cadana API. |
- No public price list; pricing is quoted per company after a demo
- A sandbox is available for testing without moving real money
Cadana API Supported Webhook Events
| Event Name | Trigger & Description |
|---|---|
payment.successful | Payment charge or invoice was processed and captured successfully. |
payment.failed | Payment collection attempt failed on card, transfer, or POS terminal. |
payout.successful | Outbound disbursement to bank account or mobile wallet was delivered. |
refund.processed | Refund was successfully settled back to customer payment method. |
dispute.created | Customer or bank logged a chargeback dispute against a transaction. |
Required Access Documents for Cadana API
- CAC RegistrationRequiredCertificate of Incorporation or Business Name registration from the Corporate Affairs Commission, required for business onboarding.
- Director / Owner IDRequiredValid government ID (NIN slip, international passport or driver's licence) for directors or beneficial owners.
- Proof of Business AddressOptionalUtility bill or tenancy document for the registered business address, if requested during KYB.
Different Cadana API use cases
- Payroll SaaS for Nigerian SMEs:Build a payroll product that calculates gross-to-net pay and payroll taxes per employee and pays salaries out through Cadana's payout rails.
- Contractor Payments for Remote Teams:Pay contractors across African and other emerging markets from one multi-currency wallet, in their local currency.
- Embedded Payroll in an HR Platform:Add payroll to an existing HR or ERP tool using Cadana's white-label UI and multi-tenant API instead of building tax logic yourself.