ErcasPay API
Payments · Banking & Fintech · Nigeria
ErcasPay is a CBN PSSP-licensed, PCI DSS-certified, and NDPA-compliant multicurrency payment gateway built specifically for Nigerian businesses. The platform supports 8 currencies NGN, USD, GBP, EUR, CAD, GHS, GMD, and KES enabling Nigerian merchants to accept both local and international payments through a single API integration.
ErcasPay API Highlights
ErcasPay API is verified for developer integrations in Nigeria and across African markets, providing documented endpoints, sandbox testing, and developer support.
Bearer Token (Secret Key from ErcasPay Dashboard, prefix: ECRS-TEST-SK for test)
Not publicly specified
Nigeria
Ghana
KenyaErcasPay API is best for:
Nigerian businesses that want to accept both local NGN payments and international payments in USD, GBP, EUR, CAD, and 4 more currencies through a single PSSP-licensed, PCI DSS-certified gateway with transparent flat-rate pricing.
- Local transactions (cards, bank transfer, QR, USSD): 1.4% capped at ₦2,000
- International cards:4.8% per transaction
- 10% rolling reserve on international card transactions held 180 days (refundable if no chargebacks)
- No monthly fee
ErcasPay API Core Features & Capabilities
Features Included
Not Supported
ErcasPay API Supported Webhook Events
Webhooks supported (Webhooks). Check official documentation for endpoint setup.
Required Access Documents for ErcasPay API
- CAC Registration CertificateRequiredCertificate of Incorporation or Business Name Registration from the Corporate Affairs Commission.
- Director BVN and Government IDRequiredBank Verification Number and valid government-issued ID (Passport, Driver's Licence, or NIN) for directors.
- Business Bank AccountRequiredActive Nigerian bank account in the business name for NGN settlement.
- USD Receiving AccountOptionalFor international card transactions payments first settle to a USD wallet before NGN conversion. A USD account may be needed for dollar-denominated withdrawals.
Different ErcasPay API use cases
- Multi-Currency E-commerce Checkout:Nigerian online stores can use ErcasPay to accept payments from both local NGN shoppers (via card, transfer, USSD, QR) and international buyers (USD, GBP, EUR) through a single API integration.
- Payment Links for Service Businesses:Nigerian freelancers and service providers can use ErcasPay payment links to collect client payments in any of the 8 supported currencies without building a custom checkout.
- International Remittance Acceptance:Nigerian businesses receiving payments from diaspora clients can use ErcasPay to accept USD, GBP, or CAD card payments and convert to NGN automatically for local settlement.
- Virtual Account Collections:Use ErcasPay virtual accounts to assign dedicated NGN account numbers to customers or invoices enabling automatic reconciliation of bank transfer payments without manual matching.
- USSD Payment for Low-Bandwidth Customers:Nigerian businesses serving customers with low internet access can accept payments via USSD through ErcasPay enabling feature phone users to pay without a smartphone or data connection.