CashEnvoy API
Payments · Banking & Fintech · Nigeria
CashEnvoy is one of Nigeria's earliest payment gateways, operated by E-Settlement Limited (ESL) and regulated by the Central Bank of Nigeria. The platform enables Nigerian merchants to accept online payments from customers using Nigerian debit cards (Verve, Visa, Mastercard), international cards, and the CashEnvoy wallet.
CashEnvoy API Highlights
CashEnvoy API is verified for developer integrations in Nigeria and across African markets, providing documented endpoints, sandbox testing, and developer support.
API Key (from CashEnvoy merchant dashboard)
Not publicly specified
Nigeria
Ghana
KenyaCashEnvoy API is best for:
Small Nigerian businesses and merchants looking for an alternative payment gateway to Paystack or Flutterwave for accepting Nigerian debit cards, Visa/Mastercard, and CashEnvoy wallet payments.
- Not publicly listed
- CBN-regulated payment gateway
- Contact CashEnvoy for current transaction fee structure
- Platform accepts NGN, USD, and more
CashEnvoy API Core Features & Capabilities
Features Included
Not Supported
Required Access Documents for CashEnvoy API
- CAC Registration CertificateRequiredCertificate of Incorporation or Business Name Registration from the Corporate Affairs Commission for merchant onboarding.
- Valid Government IDRequiredGovernment-issued ID for the business owner or director.
- Business Bank AccountRequiredActive Nigerian bank account for settlement of transactions.
Different CashEnvoy API use cases
- Basic E-commerce Checkout:Integrate CashEnvoy API into a Nigerian online store to accept card payments from Nigerian shoppers using Verve, Visa, and Mastercard debit cards with a simple payment form.
- Multi-Currency Online Store:Use CashEnvoy to accept both NGN and USD payments on a single integration useful for Nigerian businesses with both local and diaspora customers.
- CashEnvoy Wallet Acceptance:Accept payments from customers who use the CashEnvoy wallet tapping into the existing CashEnvoy user base for Nigerian merchants.
- Small Business Payment Page:CashEnvoy provides merchant payment pages that small Nigerian businesses can use to accept online payments without building a custom checkout suitable for service-based businesses and freelancers.
- Alternative Gateway Fallback:Nigerian developers can integrate CashEnvoy as a secondary payment gateway fallback alongside Paystack or Flutterwave to ensure payment continuity if a primary gateway experiences downtime.