Duplo

Banking & Fintech · Government · Payments

Duplo is an API-first financial operating system for African businesses, providing a unified platform for B2B payments, expense management, virtual accounts, FX transfers, and NRS-compliant e-invoicing. Headquartered in Victoria Island, Lagos, Duplo is CBN PSSP-licensed, PCI DSS certified, ISO 27001 and 22301 certified, and NDPR-compliant. In early 2026, Duplo became one of the first Nigerian companies to secure dual NRS (Nigerian Revenue Service) licences for e-invoicing — a critical milestone as Nigeria moves toward mandatory digital invoicing for tax compliance.

freemium

API Key (dp_test_* for test mode, dp_live_* for live mode)

Not publicly specified

✓ Available

Best For

African businesses, fintechs, SaaS platforms, and financial institutions that need a unified B2B payment operating system — combining bulk payments, expense management, virtual accounts, FX, and NRS-compliant e-invoicing.

Pricing

Duplo holds a CBN PSSP licence, PCI DSS, ISO 27001 & 22301, and NDPR compliance. Also holds NRS (Nigerian Revenue Service) dual licences for e-invoicing. Test keys prefixed dp_test, live keys dp_live. Must complete compliance requirements before switching to live mode.

Not Supported

USSD PaymentsCrypto PaymentsCard Issuance

Key Highlights

  • CBN PSSP-licensed, PCI DSS, ISO 27001 & 22301 certified
  • NRS-licensed for compliant Nigerian e-invoicing
  • Local card fee: 1.5% capped at ₦1,200–1,300
  • Bulk payments to 500+ recipients simultaneously
  • 80+ currencies across 160+ countries
  • API-first architecture with test and live environments
  • Auto reconciliation and real-time financial reporting

Required Access Documents

  • CAC Registration CertificateRequired
    Certificate of Incorporation or Business Name Registration from the Corporate Affairs Commission for Nigerian businesses.
  • Director BVN and Government IDRequired
    BVN and valid government-issued ID (International Passport, Driver's Licence, or NIN) for directors — required to switch from test to live mode.
  • Business Bank AccountRequired
    Active Nigerian bank account for settlement of transactions processed via Duplo.
  • Compliance QuestionnaireRequired
    Duplo requires completion of compliance requirements before live mode is activated — including business purpose, expected transaction volumes, and AML details.

Use Cases

  • B2B Bulk Payment Disbursement:Nigerian enterprises can use Duplo Bulk Payments API to pay up to 500 suppliers, vendors, or contractors simultaneously in a single API call — eliminating manual bank transfers and speeding up payment cycles.
  • Expense Management for Nigerian SMEs:SMEs can integrate Duplo's expense API to automate spend approval workflows, enforce budget limits, and generate real-time expense reports for financial control across multiple departments.
  • NRS-Compliant E-Invoicing Platform:Nigerian SaaS accounting platforms can use Duplo's NRS-licensed e-invoicing API to generate FIRS-compliant invoices and tax documents automatically — meeting Nigeria's evolving tax digitization requirements.
  • Marketplace Vendor Payouts:Nigerian marketplace platforms can use Duplo virtual accounts and payout APIs to collect buyer payments, hold funds, and disburse to verified vendors after delivery confirmation with full reconciliation.
  • Pan-African Payment Operations:Nigerian businesses trading across Africa can use Duplo's 80+ currency support and 160+ country reach to pay international suppliers and receive from cross-border customers from a single platform.

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