79 Best MTN MoMo API Alternatives & Competitors

1. ExchangeRate-API

Development Tools, Payments, Trading & Currency Exchange

ExchangeRate-API is one of the most developer-friendly and widely-used currency exchange rate APIs available globally. Founded to provide reliable, accurate, and affordable foreign exchange data, the platform delivers real-time and historical exchange rates for 165 currencies across 200 countries — including the Nigerian Naira (NGN) — through a clean, well-documented RESTful API. It is particularly popular among Nigerian developers building fintech apps, e-commerce platforms, and financial tools that require accurate NGN conversion rates against major world currencies. **What ExchangeRate-API Does** The API provides two primary services: real-time exchange rates and historical rate data. The standard endpoint returns the latest exchange rates for all 165 supported currencies relative to a chosen base currency. The pair conversion endpoint returns the conversion rate between any two specific currencies. The enriched data endpoint includes additional localization information such as currency symbols, decimal separators, and locale-specific formatting — useful for building polished financial UIs. **Nigeria Support** NGN (Nigerian Naira) is fully supported as both a base and target currency. Nigerian developers can fetch the current USD/NGN, EUR/NGN, GBP/NGN rates in a single API call, or query any cross rate between NGN and any of the other 164 supported currencies. This makes ExchangeRate-API suitable for any Nigerian application that displays, converts, or tracks exchange rates. **Historical Data** ExchangeRate-API provides access to historical exchange rate data going back to 1990 — available on all plans including the free tier. This is a rare feature among free exchange rate APIs and makes the platform valuable for building Naira devaluation charts, historical FX analysis tools, and financial reports requiring period-specific exchange rates. **Authentication** The API uses API key authentication. Keys are issued immediately upon free sign-up with just an email address — no credit card required. The key is appended to every request URL as a query parameter. For developers who want to test without even signing up, ExchangeRate-API also offers a no-key open access endpoint that returns exchange rates without authentication, though at a lower rate limit. **Pricing Plans** ExchangeRate-API offers three tiers: - **Free**: $0/month — 1,500 requests/month, daily rate updates, no credit card required - **Pro**: $10/month ($100/year) — 30,000 requests/month, hourly rate updates - **Business**: $30/month ($300/year) — 125,000 requests/month, rate updates every 5 minutes, priority support All plans include historical data, enriched data, high availability, and a long-term support (LTS) commitment — meaning the API will not break without advance notice of deprecation. **Rate Limits** Rate limits are enforced on a monthly basis. The quota consumed is tracked and the remaining allowance is provided in response headers. When the monthly quota is exhausted, the API returns HTTP 429 (Too Many Requests). After 20 minutes without requests, rate-limited open-access (no-key) IPs are automatically unblocked. **No Sandbox (Test with Free Tier)** ExchangeRate-API does not provide a dedicated sandbox environment. Testing is done using the free tier itself — since the free tier requires no credit card and provides 1,500 real API calls per month, this is typically sufficient for development and integration testing. **Use Cases for Nigerian Developers** ExchangeRate-API is appropriate for any Nigerian project that needs exchange rate data as a data source rather than as a core payment processing feature. It does not process transactions — it only provides rate data. Common Nigerian use cases include: displaying live NGN rates on remittance platforms, powering multi-currency invoice tools, building Naira rate trackers, and auto-converting product prices in NGN to USD/EUR for international storefronts. **Important Limitation for Nigeria** ExchangeRate-API provides mid-market exchange rates sourced from financial data providers. These rates are the "official" interbank rates, not the parallel market (black market) NGN rate that often differs significantly in Nigeria. For apps that need to track or display the Nigerian parallel market rate, Monierate is a more appropriate data source. ExchangeRate-API's NGN rates reflect the official CBN/interbank rate. **Challenges** The free tier's daily update frequency means the rate data can be up to 24 hours stale — not suitable for high-frequency trading or real-time FX conversion in production payment flows. For production fintech use where real-time accuracy matters, the Pro plan ($10/month) with hourly updates is the minimum recommended tier. **Frequently Asked Questions** Q: Do I need a credit card to start? A: No. The free plan requires only an email address. Q: Does ExchangeRate-API support NGN? A: Yes. NGN is one of 165 supported currencies. Q: How current are the rates on the free plan? A: Updated once per day. For hourly updates, upgrade to Pro ($10/month). Q: Does it provide black market / parallel market NGN rates? A: No. Only official mid-market rates. Use Monierate for Nigerian parallel market rates. Q: Can I use this for live payment processing in production? A: For rate display yes, but not for actual transaction processing — this is a data API, not a payment gateway.

2. Fincra

Payments, Development Tools

Fincra is a CBN PSSP-licensed payment gateway and fintech infrastructure company enabling African businesses to collect payments locally and cross-border across 50+ currencies in 40+ countries — with a single API covering 150+ countries globally. Fincra processes millions of API requests monthly and provides checkout, virtual accounts, direct debit, and cross-border payment products to businesses ranging from startups to enterprise clients. The company maintains a dedicated developer hub at FincraHub for the Nigerian and African developer community. What the API Does The Fincra API enables developers to: process card payments (Verve, Visa, Mastercard), bank transfers, M-Pesa, mobile money, and PayAttitude; issue multi-currency virtual accounts (NGN, USD, GBP, EUR) for collections from anywhere in the world; set up direct debit mandates for recurring collections from Nigerian bank accounts; initiate cross-border payouts in 50+ currencies; and receive real-time webhook notifications for all transaction events. The platform is designed as a single integration point for both local Nigerian payments and pan-African/international payment needs. How Developers Use It Developers access documentation at docs.fincra.com. Account creation is at fincra.com. Authentication uses API keys obtained from the Fincra Dashboard under Settings > API keys and webhook configuration tab. Sandbox and live environments are fully isolated — separate business IDs, API keys, and identifiers for each. Never use live credentials in the sandbox environment. The sandbox is available for full integration testing with simulated data. Pricing Custom pricing based on product type, transaction volume, markets, and risk profile. No public fee schedule. Contact Fincra sales to design a custom package. The pricing page at fincra.com/product-pricing offers a starting point for conversations. Rate Limits 50 API calls per second. HTTP 429 error returned for requests exceeding this limit. Authentication API keys from the Fincra Dashboard, separated by environment (sandbox vs. live). Keys are configured in the Profile > Settings > API keys section. Compliance CBN PSSP-licensed in Nigeria. Fincra is also incorporated in the US (Fincra Inc.) and holds appropriate licences for cross-border operations. Handles M-Pesa and mobile money under applicable East African regulations. Challenges and Gotchas (1) Pricing requires a sales conversation — no instant self-serve pricing. (2) Sandbox and live environments are fully isolated — you cannot transfer test accounts to live. (3) Rate limit of 50 req/sec may constrain high-frequency use cases — design API calls with batching in mind. (4) No USSD support. (5) Cross-border payouts pricing may vary significantly by corridor. Company Background Fincra Inc. is incorporated in the US and operates its Africa business from Lagos, Nigeria. The company is focused on solving Africa's payment fragmentation problem — where businesses traditionally needed separate integrations for each country. Fincra's FincraHub developer community is active in the Nigerian tech ecosystem. FAQs Q: What is Fincra's rate limit? A: 50 API calls per second. Exceeding this returns HTTP 429. Q: Does Fincra support M-Pesa? A: Yes. M-Pesa is supported as a payment method for East African collections. Q: Are sandbox and live environments the same? A: No. They are fully isolated with separate business IDs, API keys, and identifiers. You cannot transfer test data to live. Q: Does Fincra support direct debit for subscriptions? A: Yes. The Direct Debit API enables recurring collections from Nigerian bank accounts on a schedule.

3. Square API

eCommerce, Payments, Development Tools

Square API is a comprehensive payment and commerce platform API from Square, Inc. (now Block, Inc.) that enables developers to build custom point-of-sale applications, online payment flows, inventory management systems, subscription billing, and retail commerce solutions. Square provides a deeply integrated suite of commerce APIs covering payments, orders, inventory, customer management, loyalty programs, and employee management that work together to provide a complete retail and services business management platform. IMPORTANT NOTE FOR NIGERIAN DEVELOPERS: Square does not currently operate in Nigeria and does not support Nigerian merchants registering for Square accounts, processing NGN transactions, or receiving settlements to Nigerian bank accounts. Square operates in the United States, Canada, United Kingdom, Australia, Japan, France, Spain, and Ireland only. Nigerian businesses looking for equivalent payment processing capabilities should use Nigerian-licensed alternatives such as Paystack, Flutterwave, Monnify, or Kora. Despite not supporting Nigeria directly, Square API is documented here for several relevant reasons. First, Nigerian tech professionals working for international companies, remote contractors, and developers building products for non-Nigerian markets frequently work with Square. Second, Nigerian developers building applications for clients in Square-supported markets need API documentation to understand the integration requirements. Third, the architectural patterns used by Square — particularly their Payments API, Web Payments SDK, and order management system — are studied by Nigerian developers learning payment system design. The Square Payments API processes card-not-present payments through the Web Payments SDK (a JavaScript library that renders a PCI-compliant card entry form in web browsers) and the In-App Payments SDK (for iOS and Android native apps). These SDKs handle card data capture and tokenization in the browser or app, then pass a payment token to the backend which makes a charge call to the Square Payments API without sensitive card data ever touching the developer's servers. This architecture demonstrates PCI compliance best practices relevant to payment developers globally. Square Orders API provides comprehensive order lifecycle management: creating orders with line items, modifiers, and taxes, updating order status, applying discounts, processing partial fulfillments, and attaching payments to orders. This orders-centric model — where payments fulfill orders rather than existing independently — is architecturally different from many payment APIs and represents a more complete retail commerce model that connects inventory, pricing, and payment into a unified order record. Square Inventory API tracks product stock levels across multiple locations, providing real-time inventory counts, adjustment tracking, and low-stock alerting. For developers building multi-location retail management systems in Square-supported markets, the inventory API enables the stock synchronization between physical and online sales channels that prevents overselling and allows accurate availability display. Square Subscriptions API handles recurring billing, creating subscription plans with billing cadences, trial periods, and pricing tiers, and automatically charging customers on schedule. Subscription webhooks notify the integrating application of billing events, failed payments, and subscription status changes. This recurring billing infrastructure is used by subscription box services, membership businesses, and SaaS products operating in Square markets. Square Loyalty API builds customer loyalty programs directly into the payment flow, automatically awarding points on eligible purchases, tracking redemption history, and applying loyalty discounts at checkout. For businesses in Square-supported markets wanting to reward repeat customers without separate loyalty program infrastructure, the integrated loyalty system captures purchase data automatically through the normal payment flow. Nigerian developers can access Square's sandbox environment freely for learning and testing purposes, using test credentials to exercise all API endpoints without processing real payments.

4. Stellas Microfinance Bank API

Banking & Fintech, Development Tools, Payments

Stellas Microfinance Bank provides payment APIs and collections services focused on microfinance use cases. The Stellas MFB API enables payment processing and collection management for microfinance operations. Nigerian microfinance companies use Stellas APIs for payment processing.

5. CheapDataHub API

Communications, Payments

CheapDataHub is a Nigerian VTU (Virtual Top-Up) platform that offers both a consumer-facing reseller app/website and a dedicated REST API for developers (documented separately at cheapdatahub.ng/api-for-developers/). The API lets developers programmatically purchase airtime and data bundles for MTN, Glo, Airtel and 9Mobile, pay electricity bills to Nigerian Distribution Companies (Discos) in prepaid and postpaid modes, subscribe to DSTV, GOTV and Startimes cable TV packages, and buy exam PINs for WAEC, NECO, NABTEB and JAMB. Developers sign up for an account and receive API keys automatically; there is no separate developer-application process. Documented endpoints include wallet balance lookup, airtime purchase, data purchase, electricity purchase, cable TV purchase, exam-PIN products/purchase, and transaction status/history, all served from a live base URL at cheapdatahub.ng/api/v1/resellers/ and consumed as JSON over HTTPS. A public plan-IDs page lists the numeric plan_id values (e.g. network, bundle size, validity, and price) that must be passed in data and cable-TV purchase requests, and CheapDataHub states these are kept up to date as network pricing changes. The platform supports real-time webhooks for transaction status changes (initiated, processing, successful, failed, refunded) so integrators can react to delivery outcomes asynchronously instead of polling. Documented error responses cover unauthorized access, insufficient wallet balance, duplicate requests, validation errors and server errors, and code samples are provided in PHP (cURL), JavaScript (Axios) and Python (Requests) for at least the airtime endpoint. CheapDataHub markets itself as a low-cost aggregator with claims of over 20,000 active users, 99.9% uptime and sub-2-second average delivery time, alongside a mobile app on Google Play and the App Store. It positions the API as suited to developers and small businesses building their own VTU resale platforms, school portals, or fintech-adjacent apps that need to sell airtime, data, bills or exam pins without negotiating directly with telcos, Discos or DStv/GOtv/Startimes.

6. eBills API

Communications, Payments

eBills is a Nigerian digital payments platform, operated by FraNKAPPWeb Technologies and based in Awka, Nigeria, that lets businesses and developers programmatically sell VTU (Virtual Top-Up) services. The eBills API is a RESTful, JWT-authenticated API covering airtime top-ups for MTN, Glo, Airtel, and 9mobile; data bundles across all major Nigerian networks plus Smile; cable TV subscription renewals for DStv, GOtv, Startimes, and Showmax; electricity bill payments across roughly a dozen Nigerian distribution companies (including IKEDC, EKEDC, and KEDCO); recharge card (ePIN) printing for all networks; and betting wallet funding for platforms such as Bet9ja, SportyBet, and BetKing, among others. To integrate, a developer first creates a reseller account on the eBills platform and funds a wallet, then completes tiered KYC verification (email, BVN, or full identity verification) that governs daily transaction limits. API credentials are issued through a developer dashboard, and requests are authenticated using JWT bearer tokens obtained via a token endpoint, valid for seven days per token. Developers can optionally whitelist their server IPs for added security. eBills positions its API around cost savings: integrators pay zero service fees and receive discounted rates versus the standard consumer-facing prices on the site, spanning discounts on data, airtime, cable TV, electricity, ePINs, and betting funding. The platform also offers ancillary consumer services (bulk SMS, WASSCE/JAMB exam pin sales, and Chinese currency funding) that are not confirmed to be part of the developer API surface. eBills is aimed at Nigerian developers, fintech startups, and businesses that want to embed bill payment and airtime/data resale into their own apps or websites without dealing directly with telecom and utility billers, similar in category to other Nigerian VTU aggregator APIs.

7. GSubz API

Communications, Payments

GSubz is a Nigerian VTU (Virtual Top-Up) platform and API provider that lets developers integrate instant airtime recharge, mobile data bundle purchases, cable TV subscription payments (DStv, GOtv), and electricity bill payments into their own websites and applications. It supports the major Nigerian mobile networks - MTN, Glo, Airtel, and 9mobile - alongside utility billers, positioning itself as a reseller-friendly backend for VTU and bill payment businesses. The GSubz API is a straightforward REST-style HTTP API built around a small set of endpoints: `category` and `service` to discover available service types, `fields` and `plans` to retrieve required parameters and data/TV plans for a given service, `variation` to fetch pricing for a specific plan, and `pay`/`verify` to submit and confirm transactions. A `balance` endpoint lets integrators check their GSubz wallet balance programmatically. Payments are split into two models: flexible payments (like airtime, where the buyer sets the amount) and fixed payments (like data plans and TV subscriptions, where the amount is predetermined by the selected plan). Authentication is via a Bearer API key sent in the Authorization header of every request, obtained after registering a free GSubz account. Developers fund their account wallet and transactions are debited at GSubz's discounted resale rates rather than paying a separate API fee, making it economically similar to other Nigerian VTU resale platforms (e.g. VTpass, Sailmony). GSubz also operates a Chinese-goods dropshipping storefront under the same brand, but the API documentation itself is scoped strictly to VTU/bill-payment services (airtime, data, TV, electricity), which is what this listing covers. The documentation does not mention rate limits, IP whitelisting, or webhook/callback notifications for transaction status - developers should expect to poll the verify endpoint to confirm transaction outcomes. GSubz is aimed at Nigerian developers, resellers, and small businesses building VTU storefronts, WhatsApp/Telegram bots, school portals, or internal tools that need to sell airtime, data, cable TV, and electricity tokens programmatically to Nigerian end users.

8. Airtel Money API

Development Tools, Payments

Airtel Money pan-African mobile money API providing collections, remittances, payments, and disbursements across multiple African countries including Nigeria. Airtel Money enables businesses to integrate mobile money capabilities across Airtel's presence in 14+ African countries through a single unified API. Supports multi-country deployments for businesses operating across Africa with seamless cross-border mobile money transfers and localized payment experiences.

9. InstantMobileNG API

Communications, Payments

InstantMobileNG is a Nigerian Value Added Service (VAS) and VTU (Virtual Top-Up) platform that has operated since 2015, describing itself as one of the founding providers of VTU digital marketing business in Nigeria and claiming over 30,000 clients served. The company's core consumer-facing business is automated sale of airtime, mobile data bundles, cable TV subscriptions (DStv, GOtv, StarTimes), electricity bill payments, exam result-checker pins (WAEC/NECO), and instant bank transfers, alongside VTU reseller portal setup and affiliate programs. For developers, InstantMobileNG exposes an API so third-party websites and apps can plug directly into its VTU services rather than reselling through its portal manually. The documented API (hosted under a platform called MODATA, base path modata.com.ng/api/) uses bearer-token authentication and simple GET/POST endpoints, including POST /data/ for buying data bundles (network, mobile number, plan ID, ported-number flag) and POST /topup/ for airtime top-ups (network, amount, mobile number, VTU or Share-and-Sell type). Cable TV, electricity, and education (exam pin) services are also listed as integrable, though their endpoint-level documentation is thinner than the data and airtime endpoints. Access is gated behind payment: developers pick one of three one-time developer packages (₦10,000, ₦15,000, or ₦35,000), pay by bank transfer, then email their name, contact details, developer website address, and payment date to support for manual verification. Approval is stated to take 1-48 hours on business days, after which an API key/token and admin dashboard access are issued for monitoring transactions. There is no free trial or free API tier described anywhere on the site. InstantMobileNG is best understood as a straightforward, low-barrier VTU integration option for Nigerian developers and reseller-website operators who are comfortable with a manual, payment-gated onboarding process rather than instant self-serve signup, and who want a single provider covering airtime, data, cable TV, electricity, and exam pins.

10. Peyflex API

Communications, Payments

Peyflex is a Nigerian VTU (Virtual Top-Up) and fintech platform operated by Peyflex Telecommunications Limited (RC 7796939), a private limited company registered with Nigeria's Corporate Affairs Commission in August 2024 and headquartered in Kakuri, Kaduna. Founded by Faith Amaole (Amaole Faith Adaeze), the company positions itself as unifying bills, data reselling, and related services into one platform for everyday users and resellers, available via its website and mobile app. Through its consumer platform, Peyflex offers mobile data bundle purchase/reselling (MTN, Airtel, Glo, 9mobile), airtime recharge, electricity bill/meter payments, cable TV subscriptions (GoTV, DStv, StarTimes), WAEC exam registration and result-checker PINs, betting account funding (e.g. SportyBet, Bet9ja-style platforms), cryptocurrency buy/sell, international data-only eSIMs, and virtual numbers for OTP verification. For developers and resellers, Peyflex provides a free 'Developer API' that lets third-party websites, apps, and reseller platforms integrate its VTU infrastructure directly. Access requires creating a Peyflex account, then generating a developer API token from the Developer API section of the user dashboard. As documented on Peyflex's Postman-hosted API reference, the API currently exposes endpoints for airtime top-up, data bundle purchase, cable TV subscriptions, electricity bill payment, exam PIN (ePIN) generation, and betting wallet funding; crypto, eSIM, and virtual-number endpoints are listed as 'coming soon' for the API even though those services exist on the main consumer platform. Peyflex markets the API as requiring no KYC to integrate or begin testing, and backs integration with a Postman documentation portal, an instructional video guide, and dedicated WhatsApp support (including account activation help and virtual meetings for developers who get stuck). Because pricing and discount tiers are built around reseller volume, the API is aimed primarily at Nigerian developers and resellers building their own VTU storefronts, bill-payment features, or fintech add-ons rather than at large-scale enterprise messaging or payment aggregation.

11. SME Plug API

Communications, Payments

SME Plug is a Nigerian Virtual Top-Up (VTU) and data automation platform based in Ibadan, Oyo State, that lets resellers, digital vendors, and developers programmatically distribute airtime, SME/gifting data bundles, cable TV subscriptions, electricity tokens, and bulk SMS to customers across MTN, Airtel, Glo, and 9mobile. For data delivery, SME Plug offers three operating models: an automated SIM system that dispenses SME and gifting data straight from a registered SIM without needing a running device, a device-based mode that vends data through a connected/active phone, and a wallet-based reseller mode that requires no direct vending hardware at all. The platform also supports auto-subscription for recurring data renewals and bulk vending to many phone numbers in a single request. On the API side, SME Plug publishes a Postman collection documenting Bearer-token authenticated REST endpoints for checking wallet balance, retrieving the list of supported networks, and purchasing data plans. Every request can trigger a transaction webhook, configured from the account settings dashboard, that notifies the integrator's server of success or failure with fields such as status, reference, customer_reference, transaction type, beneficiary, memo and price — removing the need to poll for transaction status. Beyond the documented data API, the wider SME Plug dashboard advertises airtime top-up, cable TV subscriptions (DStv, GOtv, Startimes), electricity bill payment (prepaid tokens and postpaid billing), bulk SMS from 2.5 kobo per unit, and flat-fee (₦25) inter-account bank transfers. The platform also includes reseller and staff account management with activity tracking and real-time sales analytics, making it geared toward Nigerian VTU resellers and small digital-service businesses as much as toward individual API integrators.

12. Paystack API

Payments, Development Tools

Paystack is Nigeria's most widely adopted payment gateway API and is a subsidiary of Stripe, the global payments infrastructure company that acquired Paystack in 2020. Founded in 2015 by Shola Akinlade and Ezra Olubi, Paystack was part of Y Combinator's 2016 batch and quickly became the default payment choice for Nigerian developers and businesses. The company is CBN-licensed and PCI-DSS compliant, and currently serves thousands of businesses across Nigeria, Ghana, South Africa, and Kenya. The Paystack API is RESTful and uses Bearer Token authentication. Every request must include an Authorization header with the format: Authorization: Bearer sk_live_xxxx (for production) or Authorization: Bearer sk_test_xxxx (for sandbox). API keys are obtained from the Paystack dashboard at dashboard.paystack.com. Paystack provides both public keys (used in client-side code to initialize the checkout) and secret keys (used server-side for all API calls). Developers must never expose the secret key in client-side code. The standard Paystack integration flow involves three steps: initialize a transaction server-side using the /transaction/initialize endpoint (passing email, amount in kobo, and optional metadata), redirect the user to the returned authorization URL or embed the Paystack inline popup using the JavaScript SDK, then verify the transaction on your server using /transaction/verify/:reference after the customer is redirected back. This three-step flow ensures transactions are validated server-side before fulfilling orders, preventing fraud and order manipulation. Paystack supports the widest range of payment channels of any Nigerian gateway: Verve, Visa, and Mastercard debit cards; bank transfer (pay by transfer); USSD (for customers without smartphones); mobile money (in Ghana); and QR code payments. The Paystack Checkout modal intelligently displays only the channels available for the customer's device and location. In terms of pricing, local card transactions cost 1.5% plus ₦100, capped at ₦2,000 per transaction. The ₦100 flat fee is waived for transactions of ₦2,500 or less. This means very small transactions (micro-payments) are effectively charged at 1.5% only. International card transactions cost 3.9% plus ₦100, with no cap. Bank transfers (receiving payments via bank account) are charged flat: ₦10 for amounts up to ₦5,000; ₦25 for ₦5,001 to ₦50,000; and ₦50 for amounts above ₦50,000. Outgoing transfers (disbursements) are: ₦10 for ₦0–₦5,000; ₦25 for ₦5,001–₦50,000; ₦50 for above ₦50,000. There are no setup fees and no monthly platform fees. Businesses processing more than ₦10 million per month are eligible for volume-based discounts by contacting Paystack enterprise support. The Paystack sandbox environment mirrors production exactly — all features available in live mode are available in test mode. This is a critical advantage for Nigerian developers who need to test subscription billing, split payments, and bulk transfers without using real money. Test mode uses test card numbers provided in the Paystack documentation and simulates bank transfer payments via a confirmation prompt. Paystack also provides a Subscriptions API that allows developers to create subscription plans with daily, weekly, monthly, or annual billing cycles. When a customer first pays, a subscription authorization token is generated and stored securely by Paystack. Subsequent charges happen automatically without requiring the customer to re-enter card details. This is the foundation for building SaaS billing, membership platforms, and digital subscription products in Nigeria. The Split Payments (multi-split) feature allows marketplace operators to automatically split collected revenue between multiple subaccounts at the time of transaction — specifying percentages or flat amounts for each recipient. This is commonly used by Nigerian food delivery platforms, logistics aggregators, and gig economy apps. The Bulk Transfers API enables disbursement to hundreds of Nigerian bank accounts in a single API call by submitting a list of transfer recipients. This is used for payroll, agent commissions, loan disbursements, and customer refunds. From a compliance standpoint, Paystack is PCI-DSS Level 1 certified — the highest level of payment card security certification. All card data is encrypted and processed on Paystack's infrastructure. Merchants are not required to be PCI-DSS certified themselves. Paystack operates under CBN supervision and complies with the Nigerian Data Protection Regulation (NDPR). Webhook events from Paystack must be validated using the HMAC-SHA512 signature sent in the X-Paystack-Signature header. Developers should validate this signature before processing any webhook event. Paystack retries failed webhooks for up to 72 hours. Known challenges for Nigerian developers: (1) International card transactions have no cap on the 3.9% fee — high-value international payments can be expensive. (2) Bank transfer payments can take up to 30 minutes during bank downtime, so developers must handle pending states gracefully. (3) BVN and NIN verification are not built into Paystack directly — these require Dojah or Smile Identity as a separate integration. Frequently Asked Questions: Can I use Paystack without a registered business? Yes — individuals can create a starter account and start accepting payments. However, you will need to provide CAC documents to unlock higher transaction limits and settlements. Does Paystack support USD payments? Paystack processes international cards in USD, but settlements are in NGN after conversion. USD settlement is available only for Paystack International accounts. Can I process recurring payments automatically? Yes — use the Subscriptions API to save a customer authorization token and charge them on any schedule automatically. Is the test environment exactly like production? Yes — Paystack test mode has full feature parity with live mode, including subscriptions, splits, and bulk transfers.

13. Vtunaija API

Education, Payments, Utility Tools

Nigerian VTU platform with comprehensive service coverage including airtime, data, bill payments, and exam pins. Vtunaija provides good customer support and developer-friendly APIs. Serves multiple needs beyond standard VTU including exam registration pin sales for JAMB, WAEC, and other educational institutions.

14. Bundle API

Blockchain, Payments

African crypto savings and investment platform with staking, savings products, and payment integrations. Bundle focuses on consumer-friendly crypto investment with some merchant and partner API capabilities. Enables users to save and invest in crypto with automated features and payment integration.

15. CBN Statistics Database

Banking & Fintech, Payments, Trading & Currency Exchange

Official central bank statistics database providing exchange rates, banking statistics, monetary aggregates, balance of payments, and financial data. Access to Nigeria's macro-economic indicators for research, analysis, and applications.

16. MobileVTU API

Utility Tools, Payments

Simple REST API for Nigerian airtime and data top-up services. MobileVTU provides straightforward integration for developers looking for lightweight VTU capabilities. Focused on simplicity and ease of use with clear REST endpoints. Supports all major Nigerian telecom networks for quick integration.

17. VTpass API

Banking & Fintech, Development Tools, Payments

VTpass is a dedicated Value Added Services (VAS) platform providing a unified API for developers to natively integrate utility bill payments and digital services directly into their applications. The VTpass API enables automated airtime vending (MTN, Airtel, Glo, 9mobile), data subscription bundles, electricity bill payments across Nigerian DisCos, cable TV subscription renewals (DStv, GOtv, Startimes), and other utility services. Nigerian fintech apps, mobile money platforms, and business solutions use VTpass to offer comprehensive utility payment services without building separate integrations for each provider.

18. Partna API

Banking & Fintech, Payments

Partna is a Nigerian-founded fintech platform providing stablecoin payments and B2B payment infrastructure across Africa. The Partna API enables stablecoin transactions, fiat on/off-ramps, and B2B transfers. Nigerian businesses and fintech platforms use Partna for cross-border payments, B2B settlement, and stablecoin-based transactions with minimal friction.

19. DataVTU API

Payments, Utility Tools

Nigerian VTU platform specializing in cheap data packages alongside airtime, cable TV, and utilities. DataVTU is popular among Nigerian developers and resellers for competitive data pricing. Provides API access for airtime recharge, data bundles, cable subscriptions, and bill payments across all major networks and providers.

20. VTU.ng API

Payments, Utility Tools

Nigerian VTU (Virtual Top-Up) platform providing airtime, cheap data, cable subscriptions, and bill payments API. VTU.ng is very popular among Nigerian developers and resellers for its excellent rates, simple integration, and strong API. Supports all major telecom networks (MTN, Airtel, Glo, 9mobile) and cable providers.

21. Tendar API

eCommerce, Payments

Tendar is a Nigerian BNPL (Buy Now Pay Later) and lending platform providing APIs for e-commerce integration and installment management. The Tendar API enables merchants to offer BNPL checkout, manage installment plans, handle debt recovery, and embed flexible payment options directly into platforms. Nigerian e-commerce sites, marketplaces, and merchants use Tendar API to increase conversion by offering customers installment payment options.

22. Reloadly API

Utility Tools, Payments

Global VTU and mobile top-up API providing airtime and data recharge services across 130+ countries including Nigeria. Reloadly is excellent for international coverage with strong developer experience. Single API enables reaching customers across multiple countries and networks. Supports both global and Nigeria-specific mobile operators.

23. Brass API

Banking & Fintech, Payments

Business banking API for SMEs providing account management, payments, and financial services. Brass enables businesses to manage accounts, make transfers, and integrate banking features directly into their platforms. Designed specifically for SME needs with developer-friendly APIs.

24. Providus Bank API

Banking & Fintech, Development Tools, Payments

Providus Bank is a fintech-friendly commercial bank providing Banking-as-a-Service (BaaS) APIs enabling fintech platforms to offer banking services. The Providus Bank API provides endpoints for transfers, virtual account creation, balance inquiries, statement retrieval, and webhook notifications. Nigerian fintech platforms, payment companies, and digital banks use Providus Bank APIs to enable core banking functionality, virtual account services, and fund management without building banking infrastructure.

25. Flutterwave API

Payments, Development Tools

Flutterwave is one of Africa's most widely used payment infrastructure companies, providing a comprehensive API that enables businesses to accept payments locally across Africa and internationally in 150+ countries. Founded in 2016 and headquartered in San Francisco with major operations in Lagos, Flutterwave powers payments for over 1.3 million businesses across Africa. The platform is CBN-licensed, PCI DSS Level 1 certified, and handles billions of dollars in transactions annually. What the API Does The Flutterwave API provides a unified payment layer covering: card payments (Verve, Visa, Mastercard, AMEX, Discover); bank transfer checkout (USSD and direct NIP); mobile money (M-Pesa, MTN MoMo, Airtel Money, and more); virtual accounts for NGN collections; recurring billing and subscription management; split payments for marketplace revenue sharing; bulk transfers for mass payouts; multi-currency settlement in NGN, USD, GBP, EUR, and more; and payment links for no-code collections. How Developers Use It Developers sign up at flutterwave.com, obtain API keys from the Developer section of the dashboard, and integrate using the documentation at developer.flutterwave.com. Authentication uses Bearer token — secret key placed as "Authorization: Bearer sk_test_..." in request headers. Test mode keys only work in the test environment. SDKs are available for JavaScript, React, React Native, Flutter, Python, PHP, Node.js, and more. Inline checkout and redirect checkout are both supported. Webhooks deliver real-time transaction events to developer endpoints. Pricing Local transactions (cards, bank transfer, USSD, POS, Visa QR): 2% per transaction, broken down as 1.4% transaction fee + 0.6% platform fee. International cards (Visa, Mastercard, AMEX, Discover): 4.8% per transaction. Transfer fees: ₦10 for transfers up to ₦5,000; ₦25 for ₦5,001 to ₦50,000; ₦50 for transfers above ₦50,000. All fees are subject to 7.5% VAT. No monthly fee — only pay when you transact. By default, customers bear transaction charges but this can be adjusted in the dashboard. Authentication Bearer token using the secret key from your Flutterwave dashboard. Format: "Authorization: Bearer sk_test_{KEY}" for test, "Authorization: Bearer sk_live_{KEY}" for live. Never expose secret keys client-side. Rate Limits Flutterwave enforces rate limits and returns HTTP 429 (Too Many Requests) when exceeded. Specific thresholds are documented at developer.flutterwave.com/v3.0/docs/rate-limit. Compliance CBN-licensed, PCI DSS Level 1 certified. Flutterwave is registered with multiple African central banks and financial regulatory authorities. NDPR-compliant for Nigerian data protection. Challenges and Gotchas (1) The 0.6% platform fee on top of the 1.4% transaction fee makes the effective local rate 2% — ensure pricing models account for both components. (2) 7.5% VAT applies to all fees, not just the base rate. (3) International card chargeback risk requires careful implementation of refund and dispute handling. (4) Flutterwave has faced some regulatory challenges historically — stay current on their operational status. (5) Webhook endpoint verification (signature check) is mandatory in production. Company Background Flutterwave was founded by Olugbenga Agboola (GB) and co-founders in 2016. The company has raised over $500M in funding and is valued at over $3 billion, making it one of Africa's most valuable fintech companies. It operates in 34+ African countries and has processed over $26 billion in transactions. FAQs Q: What is the fee for local card payments in Nigeria? A: 2% per transaction (1.4% + 0.6% platform fee), subject to 7.5% VAT. No cap publicly published — verify on the pricing page. Q: Does Flutterwave support USSD payments? A: Yes. USSD is supported at the same 2% local rate. Q: Does Flutterwave support M-Pesa in Kenya? A: Yes. M-Pesa is supported for Kenya and other East African markets. Q: Is there a sandbox? A: Yes. Use test mode API keys (sk_test_...) for sandbox testing. Q: What is the transfer fee? A: ₦10 for transfers ≤₦5,000; ₦25 for ₦5,001–₦50,000; ₦50 for transfers above ₦50,000. All subject to VAT.

26. Xpress Payment Solutions API

Payments

Payment API gateway for Nigerian merchants and developers. Xpress Payment provides payment processing, collections, and settlement services. Enables businesses to integrate payment capabilities into their platforms.

27. Unlimit (formerly CardPay)

Payments, Development Tools

Unlimit (formerly known as CardPay, then Unlimint) is a global financial technology company with over 15 years of experience in international payment infrastructure. Headquartered across multiple regional offices and operating in 200+ locations worldwide, Unlimit provides payment processing, multi-currency business accounts, Banking-as-a-Service (BaaS), and cryptocurrency on/off-ramp services to merchants, platforms, and financial institutions globally. Africa — specifically Nigeria, Kenya, and Tanzania — is explicitly listed as a supported region in Unlimit's global coverage. The company has undergone a notable branding evolution: originally known as CardPay, it rebranded to Unlimint, and subsequently to Unlimit (the current brand). Its core payment processing technology remains under the CardPay API specification (version 2.70), which continues to be used by integrators and is documented at integration.unlimit.com. The legacy GitHub repositories can be found under the "cardpay" organization on GitHub, reflecting the original brand. **Core Products** 1. **Payment Gateway** — Unlimit's flagship product: accepting card payments, local payment methods, and alternative payment methods (APMs) from customers in 200+ locations. The gateway supports over 1,000 payment methods — an exceptionally broad catalog that includes regional methods specific to Africa, Latin America, Asia-Pacific, Europe, and India. For Nigerian merchants, this means access to local Nigerian payment methods alongside international Visa, Mastercard, and Amex cards. The gateway supports both Payment Page Mode (where customers enter card details on Unlimit's hosted checkout page) and Gateway Mode (server-to-server, where the merchant's own application handles card data collection under PCI DSS compliance). 2. **Unlimit Accounts** — Multi-currency business accounts that allow businesses to hold, send, and receive funds in 30+ currencies. These accounts come with integrated card issuance for business spending and are accessible programmatically via API. For Nigerian businesses operating internationally, this provides a way to maintain USD, EUR, and GBP balances without going through traditional Nigerian commercial bank FX channels. 3. **Banking as a Service (BaaS)** — A white-label financial infrastructure layer that enables fintechs and non-bank businesses to offer card issuing, payment processing, and banking features under their own brand. The BaaS offering connects to SEPA (Euro transfers), SWIFT (international transfers), and BACS (UK transfers) payment rails. 4. **Unlimit Crypto** — An on/off-ramp service for crypto-native platforms: DeFi protocols, GameFi platforms, NFT marketplaces, and crypto exchanges can accept fiat currency from users and pay out in cryptocurrency (or vice versa) using Unlimit's crypto conversion infrastructure. **API Architecture & Authentication** The Unlimit (CardPay) API uses terminal-based credentials for authentication. Each merchant is assigned a Terminal Code and Password, which are used to generate SHA-512 HMAC signatures for request authentication — providing tamper-evident server-to-server authentication. OAuth 2.0 is used for certain API flows. The API has two primary modes: Payment Page Mode uses redirect-based flows, while Gateway Mode enables direct card processing on the merchant's own checkout page (requiring PCI DSS certification). The API is documented at integration.unlimit.com and legacy references appear on integration.unlimint.com (which redirects). **Sandbox Environment** Unlimit provides a sandbox environment for integration testing. Developers can simulate payments, test 3D Secure flows, and validate webhook integrations without processing real transactions. Sandbox credentials are separate from production credentials. **3D Secure & Fraud Prevention** Unlimit supports 3D Secure (3DS1 and 3DS2) for card authentication. In 3DS2 flows, Unlimit can collect additional customer authentication data either from the merchant's side or through an intermediate authentication page. This reduces chargebacks and strengthens payment security — particularly important for high-risk verticals like gaming, travel, and international e-commerce. **Recurring & Subscription Billing** Unlimit's gateway supports recurring payment schedules, making it suitable for subscription businesses that need to charge customers on weekly, monthly, or annual cycles without requiring manual card entry for each period. **Africa & Nigeria-Specific Context** Nigeria is one of three African markets explicitly listed in Unlimit's geographic coverage (alongside Kenya and Tanzania). For Nigerian merchants, this means Unlimit supports local Nigerian payment methods in addition to international cards. However, Unlimit is not a Nigerian-native payment provider — it is a global gateway that supports Nigeria as part of its multi-regional infrastructure. Businesses primarily serving the Nigerian domestic market may find Nigerian-native gateways (Paystack, Flutterwave) more deeply integrated with local payment methods and better suited to local developer support. Unlimit's strongest value proposition for Nigerian-connected businesses is multi-currency acceptance and serving international customer bases that include Nigeria. **Pricing** Unlimit does not publicly list pricing. Commercial terms are negotiated on a per-merchant basis depending on transaction volume, payment methods, geographic coverage, and vertical (gaming, travel, e-commerce, etc.). Merchants must contact Unlimit's sales team for pricing. This is typical for enterprise-grade global payment gateways. **Compliance & Licensing** Unlimit operates under financial services licenses in multiple jurisdictions. The company implements KYC and AML processes for merchant onboarding. Specific license details for Nigerian operations are not publicly disclosed — Unlimit operates as an international payment processor interfacing with Nigerian payment infrastructure rather than holding a direct CBN license. **Frequently Asked Questions** Q: Is Unlimit the same as CardPay? A: Yes. Unlimit was previously known as CardPay, then rebranded to Unlimint, and now operates as Unlimit. The core API documentation remains under the CardPay/CardPay API versioning. Q: Does Unlimit support Nigerian payment methods? A: Nigeria is explicitly listed as a supported market. Unlimit supports local Nigerian payment methods alongside international cards. Q: What is the difference between Payment Page Mode and Gateway Mode? A: Payment Page Mode redirects customers to Unlimit's hosted checkout for card entry. Gateway Mode processes card data directly on the merchant's site (requires PCI DSS compliance). Q: Is self-serve onboarding available? A: No. Merchant onboarding requires contacting Unlimit sales for custom pricing and a commercial agreement. Q: Does Unlimit support crypto payments? A: Yes. Unlimit Crypto provides on/off-ramp services enabling fiat-to-crypto and crypto-to-fiat conversions for DeFi, GameFi, and NFT platforms.

28. Kora Payments API

Payments

Kora (formerly Korapay) is a CBN-licensed pan-African payment infrastructure company offering a unified API for payment acceptance, payouts, identity verification, and exchange rates across Nigeria, Ghana, Kenya, and South Africa. The company rebranded from Korapay to Kora to signal its evolution from a single-market payment gateway to a multi-country API platform. Kora serves Nigerian and pan-African fintechs, marketplaces, and enterprises with a developer-first API design. What the API Does The Kora API provides: card payment acceptance (local and international); bank transfer checkout; mobile money payments across Africa; payouts to Nigerian and other African bank accounts; identity verification (BVN, NIN, vNIN, CAC, and multi-country KYC); a real-time exchange rate API; and webhook notifications for all transaction events. The API base URL is api.korapay.com/merchant. How Developers Use It Developers sign up at korahq.com, complete business verification, and obtain API keys from their Kora dashboard. Authentication uses Bearer tokens — the secret key is passed as "Authorization: Bearer {SECRET_KEY}" in request headers. Test mode uses separate test keys; live mode requires dashboard activation. Sandbox testing is available with specific test cards and bank account numbers. The full API reference is at developers.korapay.com and docs.korapay.com (OpenAPI spec available at developers.korapay.com/llms.txt). Pricing Not publicly listed. Per-verification costs for identity services are deducted directly from the Kora account balance. Payment processing fees require contacting Kora directly. Sandbox/test mode is free. Rate Limits Not publicly documented — contact Kora support for limits before high-volume integrations. Compliance CBN-licensed in Nigeria. Multi-country presence with appropriate regulatory relationships in Ghana, Kenya, and South Africa. Encryption and security-grade protocols for all identity verification calls. Challenges and Gotchas (1) Identity service activation is separate from standard payment access — must be enabled in dashboard. (2) No public rate card — pricing requires direct engagement. (3) Rate limits not documented. (4) Two documentation sites exist (developers.korapay.com and docs.korapay.com) — both are maintained but can cause confusion. (5) Recurring billing not currently supported. Company Background Kora was founded in Nigeria and has grown into a multi-country payment infrastructure provider. The company raised a Series A round and is backed by African and global investors. The rebrand from Korapay to Kora reflected the platform's expansion beyond Nigeria to serve pan-African payment flows. FAQs Q: Is Kora the same as Korapay? A: Yes. Korapay rebranded to Kora to reflect its multi-country expansion. Q: Does Kora support mobile money across Africa? A: Yes. Mobile money payments are supported across multiple African markets. Q: Is there a sandbox? A: Yes. Use test keys and the provided test card/bank account numbers to simulate payments. Q: Does Kora have an exchange rate API? A: Yes. A real-time exchange rate API is included in the Kora API suite. Kora's identity verification capabilities — BVN validation, NIN verification, CAC business registration lookup, bank account name resolution — allow platforms to perform KYC checks within the same API integration used for payments. For Nigerian fintechs with regulatory KYC obligations, combining payment processing and identity verification in a single provider relationship reduces integration complexity and the vendor management overhead of maintaining separate payment and KYC provider relationships. Multi-country coverage from Kora extends payment collection and disbursement capabilities to Nigeria, Ghana, Kenya, and South Africa through a single API, with exchange rate data available for FX conversion between these markets. Nigerian platforms expanding to other African markets, or pan-African platforms that include Nigeria as a market, can use Kora to cover multiple African payment contexts without establishing separate provider relationships in each country. Kora's API documentation and developer experience orientation reflect the company's positioning for developer-led product discovery — Nigerian developers can sign up, explore the sandbox, and begin integration without enterprise sales engagement. The availability of test environment credentials, comprehensive API reference documentation, and code examples reduces the time from developer discovery to working integration, which is meaningful for Nigerian startups moving quickly to market.

29. Bitquery

Blockchain, Payments

Bitquery is a blockchain data platform that provides unified GraphQL APIs for querying historical and real-time data across more than 40 blockchain networks including Ethereum, Bitcoin, BNB Chain, Solana, Polygon, Tron, and many others. By exposing blockchain data through GraphQL — rather than raw RPC calls or proprietary REST endpoints — Bitquery enables developers to compose precise, efficient queries that return exactly the data they need without over-fetching. For Nigerian developers building blockchain analytics tools, trading platforms, compliance systems, and DeFi applications, Bitquery provides the data infrastructure to power sophisticated multi-chain analysis. Nigeria's blockchain ecosystem spans multiple chains: Nigerian DeFi users trade on Ethereum and BSC, Nigerian NFT creators mint on Polygon and Solana, and Nigerian stablecoin users hold USDT on Tron. Any comprehensive blockchain analytics tool for Nigerian users must cover multiple chains. Bitquery's unified GraphQL schema means Nigerian developers write queries in the same format regardless of which chain they are targeting — only the network parameter changes. DEX (Decentralized Exchange) trade data is one of Bitquery's strongest capabilities. The platform indexes trades from hundreds of DEXes across all supported chains — Uniswap, PancakeSwap, SushiSwap, Raydium, and more. Nigerian trading analytics platforms can query real-time and historical DEX trades by token pair, trader address, DEX protocol, or time range. The ability to compare prices across DEXes simultaneously enables arbitrage detection, best-execution analysis, and market making intelligence. Token analytics queries return holder counts, top holders by balance, token transfer volumes, and holder distribution analysis. For Nigerian token projects or investment research, understanding the distribution of a token's supply — is it concentrated in a few whale wallets or broadly distributed? — is critical information available through Bitquery's token holders endpoint. Money flow analysis tracks how funds move between addresses across the blockchain. This is a powerful tool for both investment research (tracing smart money flows) and compliance (AML, following suspicious funds). Nigerian blockchain compliance companies and crypto businesses subject to VASP regulations can use Bitquery's flow analysis to build transaction monitoring workflows. Real-time data streaming is available via WebSocket subscriptions, enabling Nigerian applications to react to on-chain events as they happen — new DEX trades, new token mints, large transfers, and contract interactions. This is the data foundation for real-time trading alerts, liquidation monitoring systems, and live protocol dashboards. Mempool data (unconfirmed transactions) is available for Bitcoin and Ethereum, enabling Nigerian applications to monitor pending transactions before confirmation — useful for detecting large incoming transfers, front-running detection in trading systems, and transaction fee optimization. The free tier provides 10,000 API points per month — each query consumes points based on the amount of data retrieved. For a Nigerian developer building a prototype or low-traffic tool, the free tier is sufficient to demonstrate functionality. The Basic plan at $99/month provides 1 million points, and the Business plan at $249/month provides 5 million points. All queries are executed via the Bitquery GraphQL IDE (ide.bitquery.io) or programmatically via any GraphQL client — REST wrappers, Apollo Client, and URQL all work.

30. Afriex API

Payments, Development Tools

Cross-border payment and remittance API for African businesses. Afriex enables payouts, collections, payment links, and customer management across multiple African corridors including Nigeria. Provides single unified API for international transfers to and from Africa with competitive rates and fast settlement.

31. ErcasPay

Payments, Security

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 processes transactions from 5,000+ businesses and has offices in Lagos, Abuja, and Ibadan. What the API Does The ErcasPay REST API enables developers to: initiate and process local card payments (Verve, Visa, Mastercard), bank transfers, USSD, and QR code payments; accept international card payments in 7 foreign currencies; issue and manage virtual account numbers for NGN collections; generate payment links; and create invoices. The API uses separate sandbox and live environments with distinct base URLs. How Developers Use It Developers create an account at ercaspay.com, obtain API keys from the dashboard under developer settings, and integrate using the documentation at docs.ercaspay.com. Authentication uses Bearer tokens with secret keys prefixed ECRS-TEST-SK (sandbox) and ECRS-LIVE-SK (live). Sandbox base URL: api-staging.ercaspay.com/api/v1. Live base URL: api.ercaspay.com/api/v1. All requests require Accept: application/json and Content-Type: application/json headers. Pricing Local transactions (cards, bank transfer, QR, USSD): 1.4% per transaction, capped at ₦2,000. International card transactions: 4.8% per transaction. International payments first settle to a USD wallet; conversion to NGN is triggered from there. A 10% rolling reserve is applied on international card transactions, held for 180 days — refundable if no chargebacks occur. No monthly subscription fee. Authentication Bearer token authentication. Secret key placed in the Authorization header as "Bearer {SECRET_KEY}". Separate keys for test and live modes. Keys managed from the ErcasPay Dashboard. Compliance CBN PSSP-licensed, PCI DSS certified, and compliant with the Nigeria Data Protection Act (NDPA). Multi-location presence in Lagos, Abuja, and Ibadan. Challenges and Gotchas (1) 10% rolling reserve on international card transactions held 180 days can be a significant cash flow constraint for new merchants. (2) International payments do not settle directly in NGN — they go to a USD wallet first. (3) No recurring billing or split payment support currently. (4) Rate limits not publicly documented — confirm with ErcasPay before high-volume implementations. Company Background ErcasPay is operated by ErcasPay Nigeria Limited, headquartered in Lagos with offices in Abuja and Ibadan. The company targets Nigerian businesses of all sizes needing a reliable, multi-currency alternative payment gateway. FAQs Q: What is the fee for local card payments? A: 1.4% capped at ₦2,000 per transaction. Q: Does ErcasPay support USSD payments? A: Yes. USSD is supported at the same 1.4% (capped ₦2,000) local rate. Q: What currencies can I accept through ErcasPay? A: NGN, USD, GBP, EUR, CAD, GHS, GMD, and KES — 8 currencies total. Q: Is there a sandbox? A: Yes. Sandbox at api-staging.ercaspay.com/api/v1 using ECRS-TEST-SK keys. Q: What is the rolling reserve? A: A 10% hold on international card transaction amounts, retained for 180 days. It is refunded in full if no chargebacks are filed during that period. ErcasPay's multi-currency acceptance — NGN plus USD, GBP, EUR, CAD, and additional international currencies — enables Nigerian merchants to accept payments from both domestic customers paying in naira and international customers paying in their home currency. This dual-currency capability in a single gateway integration eliminates the need for separate domestic and international payment gateway relationships, reducing integration complexity and ongoing vendor management for Nigerian businesses serving both local and global customer segments. PCI DSS certification at ErcasPay ensures that card data handling meets international security standards, protecting Nigerian merchants from the liability and reputational risk of card data breaches. For Nigerian SMEs that lack the resources to implement independent PCI compliance infrastructure, using a certified gateway like ErcasPay allows them to accept card payments within a compliant infrastructure environment without bearing the cost and complexity of independent certification.

32. Saleor API

eCommerce, Development Tools, Payments

Saleor is an open source, API-first headless e-commerce platform that exposes all commerce functionality through a GraphQL API. Unlike traditional e-commerce platforms that bundle a frontend and backend together, Saleor separates the commerce engine (API) from the presentation layer — enabling developers to build custom storefronts with any technology while the API handles all the complex commerce logic: products, inventory, pricing, discounts, orders, customers, payments, and fulfillment. The GraphQL API provides a typed, self-documenting interface to all commerce operations. Products and their variants (by size, color, or other attributes) are fully managed through the API, along with structured product metadata, category hierarchies, collection groupings, and media management. The inventory system tracks stock levels across multiple warehouses and automatically handles stock reservation during checkout. Order management through the API covers the full order lifecycle — from cart creation and checkout through payment capture, fulfillment assignment, shipping, and returns. The order events system provides a complete audit trail of every state change in an order, which is important for compliance and customer service in Nigerian e-commerce operations. The payment system is gateway-agnostic and plugin-based, allowing integration with any payment provider through a standard interface. For Nigerian e-commerce platforms, this means integrating Paystack, Flutterwave, or other Nigerian payment gateways through Saleor's payment plugin system — maintaining a unified order and payment record regardless of the payment provider used. Multi-channel commerce support enables a single Saleor instance to serve multiple sales channels (website, mobile app, marketplace) with different pricing, availability, and currency settings per channel. This is valuable for Nigerian retailers operating both domestic and export channels, or serving different customer segments with different pricing structures. For Nigerian technology companies building custom e-commerce solutions for clients — rather than deploying off-the-shelf platforms — Saleor provides a production-ready commerce API foundation that eliminates months of custom backend development. The MIT open source license means there are no licensing costs for self-hosted deployments, making it commercially viable for agencies building for Nigerian clients. Nigerian marketplaces and multi-vendor platforms can leverage Saleor's vendor management capabilities to manage multiple seller catalogs, configure commission structures, and route orders to the appropriate fulfillment party — all through the GraphQL API. Saleor Cloud offers a managed hosting option for teams that prefer not to run their own infrastructure, with a free development tier suitable for prototyping and a paid tier for production deployments. The self-hosted option via Docker is fully supported and provides complete control over the infrastructure. Saleor's storefront starter templates and SDKs for React, Next.js, and other frameworks accelerate the frontend development that sits on top of the GraphQL API. Nigerian agencies building custom e-commerce storefronts for clients can start from battle-tested starter code rather than building from scratch, focusing customization effort on the brand-specific design and functionality rather than boilerplate commerce logic. The permission system in Saleor uses fine-grained permissions for dashboard and API access — allowing Nigerian e-commerce operators to give warehouse staff access to order fulfillment features without exposing product pricing or customer data. This role-based access is important for Nigerian businesses with diverse staff roles accessing the same platform. Saleor's channel system supports multi-currency commerce natively, enabling Nigerian e-commerce businesses selling internationally to manage NGN pricing for domestic customers and USD or GBP pricing for export and diaspora markets through a single backend — with automatic currency-appropriate display based on the customer's channel.

33. VelvPay

Development Tools, eCommerce, Payments

VelvPay is a Nigerian payment gateway built specifically for local businesses, freelancers, SMEs, and startups that need an affordable, easy-to-integrate payment solution without the complexity or pricing overhead of larger platforms. Positioned as "a rising star" in Nigeria's fintech ecosystem, VelvPay differentiates itself through transparent flat-rate pricing, same-day settlement, built-in invoicing tools, and a local-first approach to customer support that understands the specific needs of Nigerian merchants. **What VelvPay Does** VelvPay provides a multi-channel payment acceptance platform that covers web checkout, mobile app payments, and in-person transactions. At its core, the platform allows Nigerian businesses to accept card payments (Visa, Mastercard, Verve) and bank transfers from customers, with settlement directly to the merchant's Nigerian bank account. The platform is accessible both through a developer API for technical integrations and through a merchant dashboard with no-code tools for non-technical users. **Pricing — 1% Local Transactions** VelvPay charges 1% per local NGN transaction — one of the more competitive rates in the Nigerian payment gateway market. There are no hidden charges on top of this fee. For international transactions, VelvPay applies a flexible fee structure (specific rates are provided during merchant onboarding). No publicly advertised monthly subscription fee is required, making it a low-risk choice for businesses with variable or seasonal transaction volumes. For context, this 1% flat fee compares favorably to other Nigerian gateways that charge 1.5%–2.5% per transaction — a meaningful cost difference at scale, particularly for businesses processing high volumes of low-to-mid-value transactions. **Same-Day Settlement** VelvPay offers same-day settlement, which means payments collected on a given business day are available in the merchant's bank account on the same day (subject to cut-off times). This is a significant advantage for cash-flow-sensitive small businesses and freelancers who cannot afford to wait 1–3 days for funds to clear. **Invoicing Tools** Unlike most payment gateways that focus purely on API integrations, VelvPay includes built-in invoicing tools in the merchant dashboard. Businesses can create professional invoices with a payment link embedded directly — the client clicks "Pay Now" and completes the payment via card or bank transfer. This makes VelvPay accessible to freelancers, consultants, and service businesses that don't have a website or e-commerce store. **API & Developer Tools** VelvPay provides a REST API for developers who need to integrate payment acceptance into websites, mobile apps, or backend systems. API keys are issued after completing merchant onboarding. The API follows standard patterns with JSON request/response formats and webhook notifications for payment lifecycle events (payment initiated, payment successful, payment failed). Documentation is available through the VelvPay developer portal. **Multi-channel Payment Acceptance** VelvPay supports three primary payment channels: - **Web checkout**: A hosted payment page or embeddable checkout widget for websites and web apps - **Mobile**: SDK/API integration for iOS and Android mobile applications - **In-person**: Payment acceptance at physical locations for retail, market vendors, and hospitality businesses **Nigeria Focus & Support** VelvPay is built exclusively for the Nigerian market. Customer support is local and understands the operational reality of Nigerian businesses — from intermittent banking system downtimes to the preferences of Nigerian consumers for specific payment methods. This localization is a meaningful advantage for businesses that find the support teams of international platforms less responsive to Nigeria-specific issues. **Compliance** VelvPay operates within Nigeria's CBN regulatory framework for payment service providers. Merchant onboarding includes standard Nigerian KYC requirements (CAC registration, director ID, business bank account) to comply with CBN anti-money laundering directives. **Challenges & Limitations** VelvPay is smaller than market leaders Paystack and Flutterwave, which means its ecosystem of plugins, third-party integrations, and developer community resources is less extensive. Recurring/subscription billing and bulk payout APIs are not documented as current product features. USSD payments and split payment capabilities are also absent. For businesses that need deep payment infrastructure (marketplace payment splitting, cross-border payouts, card issuance), a larger platform may be more appropriate. However, for straightforward payment collection and invoicing in Nigeria, VelvPay's simplicity and pricing are competitive advantages. **Frequently Asked Questions** Q: What is the transaction fee on VelvPay? A: 1% per local NGN transaction with no hidden charges. International transaction fees are flexible — contact VelvPay for current rates. Q: Does VelvPay offer same-day settlement? A: Yes. Payments collected are typically settled to the merchant's bank account the same business day. Q: Do I need a CAC-registered business to use VelvPay? A: A CAC registration is required for production merchant access. Test/sandbox credentials can be obtained for development testing before completing KYC. Q: Does VelvPay support recurring billing? A: Recurring/subscription billing is not a documented current feature — use Paystack or SPay if you need automated recurring charges. Q: Is VelvPay available outside Nigeria? A: VelvPay is designed for the Nigerian market. Non-Nigerian businesses should explore international gateway options.

34. JuheAPI Dark Watermark

Development Tools, Payments

JuheAPI Dark Watermark API provides programmatic image watermarking capabilities, specializing in invisible and dark watermarks that embed ownership information into digital assets without visibly defacing the image. Unlike traditional visible watermarks that overlay logos or text on images, dark watermarking embeds ownership data in the image's pixel structure in a way that is imperceptible to the human eye but detectable by specialized software. The technology uses steganographic techniques to encode a creator identifier, timestamp, or custom payload within the frequency domain of the image data. When an image is suspected of unauthorized use, the dark watermark can be extracted and decoded to prove original ownership. This creates a digital provenance trail that is much harder to remove than visible watermarks, since removing it would require significantly degrading image quality. Visible dark watermark options (a lighter variant in the product line) add a subtle, semi-transparent mark to images that is noticeable to trained eyes but doesn't disrupt the primary visual experience of the image. This middle-ground approach is useful for watermarking preview images — images shown at reduced quality to potential buyers — where the watermark deters casual theft without completely obscuring the content that buyers need to evaluate. The API accepts standard image formats (JPEG, PNG, WebP) and returns watermarked versions with minimal quality loss. Batch processing support allows platforms with large image libraries to watermark multiple assets in a single API call, reducing integration overhead for bulk operations. The JSON response includes the processed image as a URL or base64-encoded data, along with metadata about the watermark that was embedded. For Nigerian photographers, media companies, stock photo platforms, and digital artists, the JuheAPI Dark Watermark API addresses a critical need: protecting creative work from unauthorized reproduction. Nigerian photographers who sell images online frequently face unauthorized use of their work — having an invisible ownership marker embedded in every image provides legal recourse and proof of ownership. Nigerian stock photo platforms can watermark preview images to deter theft while allowing legitimate buyers to download clean versions after payment. The extraction and verification process for dark watermarks requires matching software that can decode the embedded payload from a suspected unauthorized copy of the image. JuheAPI provides the companion verification endpoint — submitting a suspected copy of an image returns whether a watermark is detected and what ownership payload it decodes to. This creates a complete ownership claim workflow: embed the watermark, distribute the image, detect unauthorized copies, verify ownership with the extraction endpoint. For Nigerian legal contexts, digital watermark evidence has been used in intellectual property disputes to establish original ownership of photographs and artwork. Nigerian photographers who have had their images used without permission in advertisements or websites can use watermark extraction as documented evidence of their ownership in cease-and-desist communications or legal proceedings. The extractable payload typically contains a unique identifier that maps to a creator record in the developer's database, providing proof of provenance even if the image filename and EXIF metadata have been stripped. The JuheAPI platform provides a unified account and billing system across all their API products. Nigerian developers who use multiple JuheAPI services — including Web Summary and Dark Watermark — manage all API keys, usage quotas, and billing from a single dashboard. This consolidation simplifies vendor management and reduces the overhead of maintaining separate accounts and payment methods for each API service.

35. Fincra Identity

Identity & KYC, Payments

Fincra Identity is the identity management and verification feature set built into the Fincra API. It is not a standalone product — it is accessed using the same API credentials as Fincra payment services. Nigerian developers using Fincra for payments get identity verification capabilities included, enabling them to build compliant KYC flows without integrating a separate identity provider. What It Does Fincra Identity provides three core capabilities: (1) BVN Resolution — resolve a Nigerian Bank Verification Number to retrieve the associated identity details, enabling KYC verification against the CBN BVN database; (2) Bank Account Verification — verify that a Nigerian bank account number is valid and retrieve the account holder name via NIP lookup, preventing failed transfers before they happen; (3) Card BIN Resolution — look up a card BIN (Bank Identification Number) to identify the issuing bank, card network, card type, and country of origin for any card number prefix. How Developers Use It Fincra Identity endpoints are called using the same API key obtained from the Fincra Dashboard. Documentation is at docs.fincra.com under the Identity Management section. The same 50 req/sec rate limit applies. Sandbox and live environments are fully isolated as with all Fincra services. Pricing Included in the Fincra API subscription. Custom pricing based on volume — contact Fincra sales for current rates. Rate Limits 50 API calls per second, shared with all other Fincra API calls. HTTP 429 returned when exceeded. What Fincra Identity Does NOT Cover Unlike dedicated KYC providers such as Dojah, Smile Identity, or YouVerify, Fincra Identity does not provide: NIN verification, international passport verification, driver's licence lookup, liveness detection, document capture, or CAC business verification. For comprehensive KYC with selfie matching and multi-document support, a dedicated KYC provider is recommended. Challenges and Gotchas (1) Fincra Identity is only available to businesses that have an active Fincra account — you cannot use it without being a Fincra payments customer. (2) Feature set is narrower than dedicated KYC providers. (3) Live mode requires completing full Fincra compliance onboarding first. (4) No standalone pricing — bundled with Fincra payment costs. Company Background Fincra is a CBN PSSP-licensed payment gateway incorporated in the US (Fincra Inc.) and operating in Nigeria and across Africa. The company provides payment infrastructure to African businesses and fintechs, and includes identity verification as part of its end-to-end compliance toolkit. FAQs Q: Is Fincra Identity a separate product from Fincra payments? A: No. It is a feature set within the Fincra API accessed with the same credentials. Q: Can I use Fincra Identity without using Fincra for payments? A: Not independently — you need an active Fincra business account to access these endpoints. Q: Does Fincra Identity support NIN verification? A: Not currently. BVN resolution, bank account verification, and card BIN lookup are the currently documented identity features. Q: What is the rate limit? A: 50 requests per second, shared with all Fincra API calls. Fincra Identity's bank account verification feature resolves the account holder name associated with a provided Nigerian bank account number and bank sort code, confirming that the account belongs to the expected recipient before initiating a disbursement. This pre-disbursement verification step prevents both accidental wrong-account transfers (from typographical errors in account numbers) and deliberate fraud (where a bad actor substitutes their account number for a legitimate recipient). For Nigerian platforms processing large volumes of payouts — salary disbursements, vendor payments, refund processing — the operational cost savings from preventing failed and misdirected transfers justifies the verification step. Card BIN lookup from Fincra Identity allows platforms to identify the issuing bank, card type (debit/credit), card scheme (Visa/Mastercard/Verve), and country of origin from the first six digits of a card number before the transaction is processed. This BIN intelligence enables routing decisions — selecting the optimal payment processor for a card type, applying different processing flows for international versus domestic cards, flagging potentially high-risk card origins — that improve authorization rates and fraud management before authorization is even attempted.

36. Duplo

Development Tools, Payments, Banking & Fintech

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. What the API Does The Duplo API enables businesses to: issue and manage virtual bank accounts; initiate bulk payments to up to 500 recipients simultaneously; process local and international card payments; perform FX conversions in 80+ currencies across 160+ countries; automate expense approval workflows with budget controls; perform auto-reconciliation of transactions; and generate NRS-compliant e-invoices. The platform is designed as both a business tool and an embeddable API layer for fintechs and platforms. How Developers Use It Developers access documentation at developers.tryduplo.com. Authentication uses API keys with clear environment prefixes: dp_test_ for test mode, dp_live_ for live mode. The API is REST-based with JSON payloads over HTTPS. All API calls must be made over HTTPS. Developers must complete compliance requirements before being granted live mode access. A sandbox environment is available for full testing. Pricing Local card transactions: 1.5% capped at approximately ₦1,200–₦1,300. International card transactions: 3.8%–4.0%. Custom volume tiers available for high-volume international processing. Contact Duplo for enterprise pricing. Authentication API keys are managed via the Duplo Dashboard. Test mode uses dp_test_ prefixed keys; live mode uses dp_live_ prefixed keys. Never share live keys publicly. Compliance CBN PSSP-licensed, PCI DSS, ISO 27001, ISO 22301, NDPR-compliant, and NRS dual-licensed for e-invoicing. Duplo is also expanding into South Africa via a partnership with Ozow for instant EFT payments. Challenges and Gotchas (1) Live mode requires completing compliance requirements — not instant. (2) Rate limits not publicly documented. (3) The NRS e-invoicing feature is relatively new and developers should check docs for current implementation status. (4) Duplo is B2B focused — not designed for high-volume consumer checkout flows. (5) International card fees (3.8–4%) are higher than local card fees. Company Background Duplo was founded in Nigeria by Yele Oyekola and Damola Ajao and is backed by prominent African and global VCs. The company is focused on solving the complexity of B2B financial operations in Africa, where businesses often manage payments through manual bank transfers, spreadsheets, and fragmented tools. Duplo consolidates this into a single API-first platform. FAQs Q: Does Duplo support bulk payments? A: Yes. Duplo supports bulk payments to up to 500 recipients in a single API call. Q: What is the fee for local card payments? A: 1.5% capped at approximately ₦1,200–₦1,300 per transaction. Q: Is there a sandbox? A: Yes. Test mode is available using dp_test_ API keys from your dashboard. Q: Does Duplo support e-invoicing for Nigerian tax compliance? A: Yes. Duplo holds NRS dual licences for NRS-compliant e-invoicing — one of the first Nigerian companies to do so. Q: Can Duplo handle international payments? A: Yes. Duplo supports 80+ currencies across 160+ countries with international card acceptance at 3.8–4.0%. Duplo's NRS-compliant e-invoicing capability supports Nigerian businesses' obligations under the Federal Inland Revenue Service's e-invoicing requirements, allowing platforms to generate and submit compliant electronic invoices as part of the B2B payment workflow rather than as a separate process.

37. Eversend API

Payments, Development Tools, Trading & Currency Exchange

Multi-currency payment API for cross-border transfers and international payments. Eversend provides APIs for money transfers, bill payments, and financial services across multiple African countries. Enables seamless multi-currency transactions with competitive rates.

38. Thirdweb

Blockchain, Development Tools, Payments

Thirdweb is a comprehensive Web3 development platform that provides the tools, infrastructure, and SDKs needed to build blockchain-powered applications — from wallet creation and smart contract deployment to NFT marketplaces, token launches, and backend transaction management. Unlike platforms that focus on a single aspect of Web3 development, Thirdweb covers the entire application stack: frontend wallet connection, smart contract deployment and interaction, backend wallet management, and payments. For Nigerian developers looking to build Web3 applications without needing years of blockchain expertise, Thirdweb dramatically lowers the barrier to entry. Nigeria's Web3 developer community is among the most active in Africa, with thousands of developers building NFT projects, DeFi tools, blockchain games, and tokenized platforms. The biggest challenge for Nigerian Web3 developers is not understanding the concepts — it is the steep learning curve of smart contract development, the complexity of wallet management, and the infrastructure required to support production dApps. Thirdweb abstracts all of this complexity into well-documented SDKs and APIs that work with familiar frameworks like React and Node.js. Embedded Wallets are Thirdweb's flagship feature for consumer applications. Instead of requiring users to have MetaMask or another browser wallet, Embedded Wallets create a Web3 wallet for any user who logs in with email, Google, Apple, or social accounts. The private key is secured in a distributed key management system and is recoverable via the same authentication method. For Nigerian consumer apps — e-commerce platforms with NFT loyalty rewards, games with on-chain items, content platforms with creator tokens — Embedded Wallets make Web3 accessible to users with no prior crypto experience. Smart contract deployment through Thirdweb's dashboard or SDK covers the most common contract types: ERC-20 tokens, ERC-721 NFT collections, ERC-1155 multi-edition tokens, Marketplace contracts (buy/sell/auction NFTs), Staking contracts, and more. These are audited, pre-built contracts that can be deployed in minutes from the dashboard — no Solidity knowledge required. For Nigerian project teams that want to launch an NFT collection or issue a utility token quickly, this eliminates weeks of smart contract development and security auditing. Account Abstraction (ERC-4337) support allows Nigerian developers to build gasless transaction flows where the application sponsors gas fees on behalf of users. This is transformative for user onboarding: a Nigerian user can interact with a blockchain application without ever buying cryptocurrency for gas fees. The application developer sponsors the gas, and users experience smooth, familiar web interactions rather than confusing wallet popups. Thirdweb Engine is a self-hosted or managed backend server that manages wallets and transactions at scale. For Nigerian applications that need to send thousands of transactions per day — airdropping tokens to users, minting NFTs on purchase, updating on-chain scores — Engine provides a reliable, queued transaction system with nonce management, retry logic, and webhook notifications. It eliminates the complex backend infrastructure that would otherwise be required for high-volume on-chain operations. The platform supports over 1,000 EVM chains, including Ethereum, BNB Chain, Polygon, Arbitrum, Base, and many others. Nigerian developers can build once and deploy to any chain without changing their application code. SDKs are available for TypeScript/JavaScript (React, React Native, Node.js), Python, Go, and Unity/Unreal for game development. The free tier is generous: 1,000 monthly active wallets and full access to smart contract tools, making it suitable for Nigerian projects in early stages and hackathons without any upfront cost.

39. Pairgate API

Payments, Utility Tools

Modern, developer-friendly Nigerian VTU platform providing airtime, cheap data packages, and bill payment APIs. Pairgate combines modern API design with competitive pricing. Designed with developers in mind, offering straightforward integration for airtime, data bundles, cable subscriptions, and utility payments across all Nigerian networks.

40. SPay Business Solutions

Payments, Development Tools

SPay Business Solutions Ltd is a Nigerian payment technology company offering a streamlined payment gateway designed specifically for Nigerian businesses, SMEs, freelancers, and service providers who need to accept online payments without complex infrastructure. Operating under the tagline "Payment Simplified!", SPay focuses on making payment collection accessible to businesses of all sizes — from solo freelancers generating payment links to online stores integrating a full checkout API. **What SPay Does** SPay provides a payment processing platform with four core capabilities: online payment acceptance, virtual account creation, payment link generation, and subscription/recurring billing management. These services are accessible via a RESTful API documented through readme.io, as well as via the SPay merchant dashboard for non-technical users who need payment links without coding. **Payment Acceptance API** SPay's payment API allows merchants to initiate payment sessions, redirect customers to a hosted payment page or embed a checkout widget, and receive payment confirmation via webhooks. The API handles both card payments and bank transfer acceptance, giving merchants multiple collection channels in a single integration. Standard REST API conventions are followed, with responses in JSON format and test payment tools provided for developer integration testing. **Virtual Accounts via First Bank of Nigeria** One of SPay's distinguishing features is its integration with First Bank of Nigeria for virtual account issuance. Merchants can programmatically create unique Nigerian bank account numbers (virtual accounts) that are tied to a specific customer or transaction. When a customer makes a bank transfer to the virtual account, SPay detects the payment in real time and notifies the merchant via webhook — enabling seamless bank transfer payment collection without manual reconciliation. This is particularly valuable for Nigerian consumers who prefer bank transfers over card payments. **Payment Links** SPay allows merchants to generate shareable payment links from the dashboard or via API — links that customers can open in a browser to complete a payment. This makes SPay accessible to businesses without a website, allowing freelancers, event organizers, and service businesses to collect payments via WhatsApp, email, or social media with zero code required. **Subscription & Recurring Billing** For SaaS products, membership platforms, schools, and subscription boxes, SPay offers a recurring billing module that handles automated charge schedules on weekly, monthly, or annual cycles. Merchants set up subscription plans, customers authorize the recurring payment, and SPay manages the billing cycle, retry logic for failed payments, and subscription lifecycle events. **Authentication** SPay uses API key-based authentication. Merchants receive API credentials (public key and secret key) after completing the merchant onboarding and KYC process on the SPay dashboard. API keys are passed in request headers for all API calls. Test mode credentials are provided separately and can be used to test integrations without processing real transactions. **Merchant Onboarding & KYC** To go live on SPay, merchants must complete a KYC process that includes providing business registration details (CAC certificate), bank account information for settlement, and identity verification for directors. This is standard practice for all Nigerian payment gateways operating under CBN regulatory requirements. Developers and businesses can test the API with test credentials before completing KYC — making it easy to build and validate integrations before going live. **Sandbox / Test Environment** SPay provides test payment capabilities for developers to simulate transactions and validate integrations without real money movement. The documentation on readme.io includes response codes and test scenarios. **Pricing** SPay uses a commission-based pricing model — merchants pay a percentage of each transaction processed. Specific fee percentages are not publicly listed on the website; merchants receive a pricing schedule upon completing merchant onboarding. No publicly advertised monthly subscription fee has been found. **Nigeria Context & Regulatory Standing** SPay is a Nigeria-focused payment company serving Nigerian merchants under CBN payment regulations. Banking partner arrangements, including the First Bank virtual account integration, operate within Nigeria's licensed payment infrastructure. SPay is suitable for Nigerian businesses that want a simpler, more focused payment solution compared to the complexity of larger platforms like Paystack or Flutterwave — particularly for businesses that primarily need virtual accounts and payment links rather than a full payments ecosystem. **Challenges for Nigerian Developers** SPay is a smaller gateway with fewer integrations and ecosystem tools compared to market leaders like Paystack or Flutterwave. The public documentation, while functional, is not as comprehensive or community-supported as larger platforms. Bulk payout/transfer capabilities, USSD payments, and POS integration are not available in the current product offering. International card acceptance (non-NGN) is also not documented as a supported feature. **Frequently Asked Questions** Q: Does SPay support USSD payments? A: No. SPay currently supports card payments and bank transfers via virtual accounts — not USSD. Q: Can I use SPay without a registered business (CAC)? A: A CAC-registered business is required for production access. Developers can test with sandbox credentials before completing KYC. Q: How are virtual accounts created through SPay? A: Virtual accounts are issued in partnership with First Bank of Nigeria via the SPay API — each account receives a unique Nigerian bank account number that customers can transfer to. Q: Does SPay support international payments? A: SPay is primarily focused on NGN payments for Nigerian customers. International card acceptance is not a documented feature. Q: Is there a recurring billing feature? A: Yes — SPay includes a subscription management module for automated recurring billing on daily, weekly, monthly, or annual schedules.

41. Dodo Payments API

eCommerce, Payments

Dodo Payments is a specialized Merchant of Record (MoR) platform built specifically for African SaaS, software, and online startups scaling globally. Unlike traditional payment gateways, Dodo Payments functions as the legal merchant of record, collecting international card payments from global customers, managing automated payout workflows, and completely handling global tax calculation and remittance obligations. This allows African software vendors and SaaS platforms to accept international payments and scale without the complex compliance and tax burden. Nigerian SaaS companies, software startups, and digital product creators use Dodo Payments to access international payment processing while Dodo handles all global tax and compliance responsibilities.

42. Persona

Identity & KYC, Development Tools, Payments

Persona is a flexible identity verification and compliance platform that enables businesses to build custom KYC (Know Your Customer) workflows combining government ID verification, biometric liveness checks, database lookups, phone/email verification, and AML screening — all configurable through a no-code workflow builder without requiring engineering changes for each compliance update. Founded in 2018 and headquartered in San Francisco, Persona serves fintech companies, crypto exchanges, marketplaces, lending platforms, and gig economy businesses globally. The platform is notable for its native Nigeria Database Verification module, which checks Nigerian NIN (National Identification Number), BVN (Bank Verification Number), voter registration cards, and driver's licenses directly against authoritative Nigerian government databases — a capability that distinguishes Persona from most global KYC providers who rely on document OCR alone without database cross-referencing. ## What the API Does Persona's API enables developers to trigger, manage, and retrieve identity verifications called "Inquiries." Each Inquiry runs a configurable set of verification steps: document verification (passport, national ID, driver's license), selfie liveness detection (passive or active), database checks (government, watchlist, phone, email), and business verification (KYB). For Nigerian users specifically, the Nigeria Database Verification product cross-references the user's submitted identity data against Nigerian government records, providing a higher-assurance confirmation than document image analysis alone. The platform's Workflow engine (formerly called "Cases") allows teams to define multi-step verification journeys with conditional logic. For example: if a user submits a voter card that fails OCR, automatically prompt for an alternative document; if a database check returns a sanctions hit, escalate to manual review; if transaction value exceeds a threshold, trigger enhanced due diligence. These rules are configured in Persona's dashboard without code. ## How Developers Use It Integration follows a standard flow: 1. Create an Inquiry using `POST /api/v1/inquiries` — this initializes a verification session for the end user. 2. Redirect the user to Persona's hosted verification flow (URL returned in the response) or embed using the Persona Embedded Flow SDK. 3. The user completes document upload, selfie, and any database check steps within the Persona-hosted UI. 4. Receive results via webhook (`inquiry.completed`, `inquiry.failed`, etc.) when the user finishes, or poll `GET /api/v1/inquiries/{inquiry-id}` for status. 5. Retrieve the full verification report including extracted data, check outcomes, and overall decision from the Inquiry object. Persona also provides a Verifications API for accessing individual check results (document verification report, database check report, selfie report) with granular pass/fail scores and extracted data fields. ## Pricing & Fees Persona uses a pay-per-successful-verification model — you are only charged when a verification completes successfully, not for failed or abandoned sessions. Plans include: - **Essential Plan**: $250/month (annual contract) — includes 500 verifications per month, $1 per additional verification. - **Growth Plan**: Custom pricing based on your verification volume and product mix. Recommended for most growing businesses. - **Enterprise Plan**: Fully custom pricing with dedicated support, SLA guarantees, and volume discounts. A sandbox environment is available immediately after signup for testing. ## Authentication Persona uses API key authentication. Your API key is passed as a Bearer token in the `Authorization: Bearer your_api_key` header on all requests. Persona API keys have environment scopes — sandbox keys work only against the sandbox environment, and live keys are used in production. Webhook payloads include an `X-Persona-Signature` header for payload verification to prevent forgery. ## Rate Limits Persona does not publish specific rate limits in their public documentation. Limits vary by plan tier. Contact Persona's support team to confirm the applicable rate limits for your subscription. ## Nigeria-Specific Capabilities Persona's Nigeria Database Verification is a standout feature for Nigerian developers. It covers: - **NIN Verification**: Cross-check NIN (National Identification Number) against NIMC database records. - **BVN Verification**: Verify the Bank Verification Number against NIBSS records. - **Voter Card Check**: Validate voter registration data against INEC records. - **Driver's License Check**: Verify driver's license data against FRSC records. This level of native database integration means Nigerian fintechs can achieve higher-confidence identity verification than document OCR alone, satisfying CBN's customer due diligence requirements for higher-tier accounts. ## Compliance & Regulations Persona holds ISO 27001 and SOC 2 Type II certifications. The platform supports GDPR, CCPA, and NDPR compliance. Verification workflows align with FATF KYC recommendations and CBN Customer Due Diligence regulations for Nigerian financial institutions. AML screening covers OFAC, UN, EU, UK Treasury, and global PEP databases. For Nigerian fintech clients, Persona's database verification checks provide evidence-based identity confirmation suitable for CBN KYC Tier 2 and Tier 3 requirements. ## Challenges & Gotchas for Nigerian Developers 1. **Nigeria database checks as add-on**: While Persona supports Nigerian database verification, it may be priced as an add-on module on top of the base plan. Confirm availability on your chosen plan. 2. **Essential plan volume limits**: 500 verifications/month on the Essential plan is modest. Growing Nigerian apps with significant onboarding volumes will need to move to Growth pricing quickly. 3. **USD billing only**: Persona charges in USD. Use a USD virtual card or wire transfer for payment. 4. **NDPR biometric data**: Selfie and biometric data captured during Persona verifications qualify as sensitive personal data under NDPR. Ensure your data processing agreement covers Nigerian user biometric data retention and deletion. 5. **Workflow complexity**: Persona's no-code Workflow builder is powerful but has a learning curve. Budget time for workflow configuration and QA testing before going live. ## Company Background Persona was founded in 2018 by Rick Song and Charles Yeh. The company has raised over $200 million in funding from investors including Index Ventures, Coatue, and First Round Capital. Persona is widely used by US and international fintech companies, and its Nigeria support makes it one of the few global KYC platforms with genuine database-level verification for Nigerian identity documents. ## Frequently Asked Questions **Q: Does Persona support Nigerian BVN verification?** A: Yes. Persona's Nigeria Database Verification product supports BVN cross-checking against NIBSS records, NIN against NIMC, voter cards against INEC, and driver's licenses against FRSC. **Q: Can I use Persona without a sales call?** A: Yes. The Essential plan ($250/month) activates after online signup. Growth and Enterprise plans require a sales conversation. **Q: Am I charged for failed verifications?** A: No. Persona only charges for successfully completed verifications — abandoned or failed sessions are not billed. **Q: Is there a free trial?** A: Persona provides a sandbox environment for testing without charge. Production verifications require an active plan.

43. Alchemy

Blockchain, Development Tools, Payments

Alchemy is a blockchain developer platform providing managed node infrastructure, enhanced blockchain APIs, and developer tools for building Web3 applications on Ethereum and other major blockchains. Founded in 2017 and backed by leading Silicon Valley investors, Alchemy powers some of the most prominent DeFi protocols, NFT marketplaces, and Web3 applications globally. For Nigerian blockchain developers, Alchemy is a top-tier choice for node infrastructure with a generous free tier, comprehensive multi-chain support, and developer tools that significantly reduce the complexity of building production-grade blockchain applications. The core of Alchemy is managed blockchain node access. Rather than running and maintaining their own Ethereum or Polygon nodes (which requires significant server infrastructure, ongoing maintenance, and expertise in blockchain node operation), developers connect to Alchemy's distributed node network via API endpoints. Alchemy's infrastructure handles node synchronization, client diversity, load balancing, and uptime — providing Nigerian developers with institutional-grade blockchain connectivity from day one without infrastructure investment. Multi-chain support covers Ethereum mainnet and testnets (Sepolia, Goerli), Polygon (MATIC), Arbitrum, Optimism, Base, Solana, and other chains. This breadth is essential for Nigerian Web3 developers building cross-chain applications or choosing low-fee chains like Polygon for users sensitive to Ethereum gas costs. Nigerian users are particularly gas-cost-conscious, making L2 chains like Polygon and Arbitrum critical for applications targeting Nigerian Web3 users, and Alchemy supports all of these through the same developer account. Enhanced APIs are what differentiate Alchemy from simple node providers. The NFT API provides pre-indexed NFT data — fetching all NFTs owned by an address, NFT metadata, collection floor prices, and transfer history — without requiring developers to build custom indexing infrastructure. The Token API returns ERC-20 token balances, metadata, and price data for any wallet address. The Transfers API provides historical transaction history for an address across all asset types. These enhanced endpoints replace weeks of custom indexing work with simple API calls, dramatically reducing development time for Nigerian blockchain developers. Alchemy Notify provides webhook-based real-time notifications for blockchain events — address activity alerts, dropped transactions, mined transaction confirmations, and gas price alerts. Instead of polling the blockchain every block to check for activity, Nigerian applications subscribe to Alchemy Notify webhooks and receive POST requests when specified events occur. This is critical for fintech and payment applications that need to react immediately when transactions confirm. The Alchemy SDK (JavaScript/TypeScript and Python) wraps the standard JSON-RPC interface with a typed, developer-friendly API and automatically handles retry logic, rate limiting, and authentication. Nigerian developers can call the same ethers.js or web3.js methods they already know, with Alchemy SDK as a drop-in enhancement that adds reliability and the enhanced API endpoints. Free tier provides 300 million compute units per month — a generous allowance that covers typical development workloads and low-to-medium traffic production applications. There are no hard rate limits on the free tier (unlike many competitors that throttle requests per second), which makes Alchemy suitable for Nigerian developers building applications that may have bursty traffic patterns. Paid plans at $49/month and above provide higher compute unit allowances and enhanced support. For Nigerian Web3 developers, Alchemy is the standard starting point for Ethereum and EVM chain development. The combination of reliable node infrastructure, enhanced data APIs, real-time webhooks, and a generous free tier makes it the most developer-friendly and feature-complete option in the managed node provider space.

44. Payoneer Payout API

Payments

Payoneer is a global financial services company headquartered in New York that specializes in cross-border payments and mass payouts. Founded in 2005, Payoneer serves 5 million+ businesses and freelancers in 190+ countries, and is particularly popular in emerging markets including Nigeria, where it is widely used by freelancers, remote workers, and digital service providers to receive international payments from global clients on platforms like Upwork, Fiverr, and direct business clients. Payoneer is fully operational in Nigeria. Nigerian users can create Payoneer accounts, receive payments in USD, EUR, GBP, and other currencies, and withdraw directly to a Nigerian bank account in NGN. This makes Payoneer one of the most accessible international payment receipt platforms for Nigerian professionals. The Mass Payout API extends this capability to platforms — enabling businesses to disburse earnings to thousands of Payoneer account holders globally, including Nigeria, through a programmatic API. The Payoneer Mass Payout API v4 is RESTful with JSON payloads. Authentication uses OAuth 2.0 with Client ID and Client Secret, following the standard Client Credentials grant. API documentation is at developer.payoneer.com. The API enables platforms to: register new payees programmatically (white-label onboarding), check payee status and approval, initiate mass payouts to multiple payees in a single batch call, query payment status, and retrieve transaction history. The white-label registration flow is powerful for marketplace operators. Rather than requiring payees (freelancers, sellers, service providers) to manually create Payoneer accounts on Payoneer's website, the platform can embed a customized registration flow within their own UI — Payoneer handles the KYC verification in the background. This creates a seamless onboarding experience where users feel they're interacting with the platform's native payment system. Mass Payout batches allow platforms to submit hundreds or thousands of payment instructions simultaneously, specifying the Payoneer account ID and amount for each recipient. Payoneer processes these in batch and notifies the platform via webhooks on each payment's status (pending, processing, completed, failed). Pricing for Payoneer Mass Payout API is transaction-based. The fee structure depends on the payment type (Payoneer-to-Payoneer vs. Payoneer-to-bank), currency, and payout corridor. Payoneer-to-Payoneer transfers are typically free or very low cost. Bank withdrawals to Nigerian accounts incur conversion fees from the original currency (usually USD) to NGN. Exact rates are provided during the platform onboarding process and are negotiable for high-volume partners. From a compliance standpoint, Payoneer is registered with the US FinCEN as a Money Services Business and holds e-money licenses in the EU, UK, Japan, Australia, and other jurisdictions. For Nigeria, Payoneer operates under the CBN's guidelines for international remittance. The company went public on NASDAQ in 2021. Frequently Asked Questions: Can Nigerian individuals receive money on Payoneer? Yes — individual Nigerian professionals can create a free Payoneer account and receive USD, EUR, or GBP payments from international clients, then withdraw to a Nigerian bank. Can I build a platform that pays Nigerian sellers via Payoneer? Yes — use the Payoneer Mass Payout API with the white-label payee registration flow to onboard Nigerian sellers and disburse earnings to their Payoneer accounts (which they can then withdraw locally). Does Payoneer support NGN collections (receiving payments from Nigerian customers)? Primarily no — Payoneer is focused on paying OUT to recipients globally. For collecting NGN from Nigerian customers, use a local Nigerian gateway like Paystack or Monnify.

45. Klasha API

Payments, Banking & Fintech

Klasha is a fintech platform providing global checkout solutions for African merchants enabling cross-border e-commerce payments. The Klasha API enables merchants to accept international payments, manage currency conversion, and simplify cross-border transactions. Nigerian e-commerce businesses and merchants use Klasha to expand internationally and accept payments from global customers.

46. Monnify

Payments, Development Tools

Monnify is a Nigerian payment gateway and payment infrastructure provider operated by Moniepoint Inc, a CBN-licensed payment solutions company and one of Nigeria's largest agent banking networks. Originally launched as a standalone product by TeamApt, Monnify was rebranded under the Moniepoint brand as the company expanded. Monnify provides Nigerian businesses with APIs for accepting payments via local debit cards, bank transfers, USSD, and direct debit, as well as disbursing funds to bank accounts across all Nigerian banks. The Monnify API is RESTful and uses JSON for all request and response payloads. Developers can authenticate using Basic Auth — by encoding the API key and secret key as a base64 string — or by exchanging credentials for an OAuth Bearer Token via the /auth/login endpoint. Most implementations prefer Bearer Token authentication for production use, obtaining a token at server startup and refreshing as needed. The Monnify dashboard is available at app.monnify.com and provides API credentials, transaction history, settlement reports, and webhook configuration. Payment collection works by initializing a transaction with a unique reference and an amount, then displaying the payment modal to the customer. The Monnify SDK handles the checkout experience, allowing customers to choose between card, bank transfer, USSD, or direct debit. For bank transfers, Monnify generates a reserved virtual account number for the customer — they transfer any amount to that account and the payment is automatically matched and settled to the merchant. This is particularly powerful for recurring or subscription-like payment flows. In terms of pricing, Monnify charges 1.5% per transaction for local card payments, USSD payments, and bank transfers, with a cap of ₦2,000 per transaction. An alternative flat fee of ₦500 may apply for certain bank transfer transactions. International card payments attract a 4% fee. Cash collection is also charged at 4%. There are no setup fees and no monthly platform fees. Payouts (disbursements to Nigerian bank accounts) are charged at flat rates: ₦10 for transfers below ₦10,000, ₦20 for transfers between ₦10,000 and ₦49,999, and ₦40 for transfers of ₦50,000 and above. All fees are exclusive of VAT. A key differentiator for Monnify is its settlement speed. Transactions are settled to merchants same-day by 10pm, and businesses can trigger up to 3 on-demand express settlements per day outside the standard settlement window. This is important for Nigerian e-commerce and service businesses that need immediate access to collected revenue. The Monnify sandbox environment is a full replica of the production environment. Developers can create a free sandbox account at developers.monnify.com without any business registration documents. The sandbox provides test card numbers, simulated bank transfer flows, and test USSD responses. Moving from sandbox to live requires completing the standard CBN KYC process, including submitting CAC documents, director BVN, and business bank account details. Rate limits for the Monnify API are not publicly published. However, for high-volume integration partners, Monnify support can provide guidance on expected throughput limits. The Webhook system sends real-time notifications for transaction completion, refunds, and disbursements — developers must validate the webhook hash to confirm the event originated from Monnify, and must respond with HTTP 200 within a defined timeout. From a compliance standpoint, Monnify is CBN-licensed and operates under the same regulatory framework as all Nigerian payment service providers. Moniepoint Inc holds a Payment Service Bank license and a Switching and Processing license from the CBN. Monnify is also PCI-DSS certified, which is required for handling card payment data in Nigeria. Merchants are not required to be PCI-DSS certified themselves, as card data is processed on Monnify servers rather than the merchant's infrastructure. The BVN verification endpoint available through Monnify allows developers to verify a customer's Bank Verification Number — returned with name, date of birth, and phone number — which is a CBN requirement for KYC compliance in lending and financial services. Common challenges Nigerian developers face with Monnify include webhook delivery delays during peak traffic (Black Friday, end-of-month), and the need to handle cases where bank transfer payments arrive outside the transaction expiry window. Developers should set generous expiry windows for bank transfer transactions, and use the transaction status query endpoint to confirm payment before fulfilling orders, rather than relying solely on webhook delivery. Moniepoint Inc, the parent company, is headquartered in Lagos, Nigeria and has expanded operations across several African markets. It was voted the fastest-growing company in Africa by the Financial Times in 2023 and has raised over $100 million in funding. Notable investors include QED Investors, Lightrock, and Google. The Monnify gateway is used by thousands of Nigerian businesses including e-commerce platforms, SaaS companies, and lending products. Frequently Asked Questions: Can I use Monnify without CAC registration? You can test the API freely on the sandbox with just an email. However, to go live and receive real settlements, full CBN KYC including CAC registration is required. Does Monnify support NGN only? Yes, Monnify primarily settles in Nigerian Naira (NGN). International card transactions are charged at 4% but are settled in NGN after currency conversion. Does Monnify have a no-code payment link? Yes, Monnify supports payment links and invoice generation from the dashboard — no coding required. What happens if my webhook fails? Monnify retries failed webhook deliveries. However, developers should use the transaction status API (/api/v1/merchant/transactions/query) as a fallback to confirm payment independently.

47. Chainstack

Blockchain, Payments, Development Tools

Chainstack is a production-grade blockchain infrastructure provider delivering managed RPC nodes, archive data access, real-time streaming, and dedicated node infrastructure across 70+ blockchain protocols. Designed for teams building multi-chain applications, trading systems, analytics platforms, and AI agents that need reliable, high-performance blockchain connectivity without the overhead of running their own nodes, Chainstack serves developers ranging from solo builders on a free plan to enterprise trading desks on dedicated infrastructure. For Nigerian Web3 developers, DeFi teams, and blockchain startups, Chainstack provides the node access layer that is the foundation of every blockchain application. Nigeria's growing blockchain developer community needs reliable, low-latency access to Ethereum, Solana, BNB Chain, Base, and other networks. Running your own blockchain node is impractical for most Nigerian startups — it requires significant cloud infrastructure costs, continuous maintenance, and weeks of initial chain synchronization. Chainstack eliminates all of that by providing managed, globally distributed nodes that Nigerian developers can start using in minutes with a free-tier API key. Chainstack provides RPC (Remote Procedure Call) endpoints for reading and writing to supported blockchains including Ethereum, Solana, Bitcoin, Base, Arbitrum, Polygon, Avalanche, and 65+ more. Key capabilities include: full node RPC for current-state queries; archive node access for complete historical data going back to the genesis block; WebSocket subscriptions for real-time event listening; Yellowstone gRPC streaming for ultra-low-latency Solana data (blocks, transactions, account changes); advanced token and NFT APIs; and global routing that automatically directs requests to the nearest region for the lowest possible latency. Archive node access is particularly valuable for Nigerian blockchain analytics companies and DeFi protocols that need historical data. A full node only stores the current blockchain state — it cannot answer questions about what an address's balance was six months ago. Archive nodes store every historical state, enabling queries like "what was the ETH balance of this address at block 15,000,000?" This historical data layer is essential for backtesting, analytics, and compliance workflows. The Yellowstone gRPC streaming interface for Solana is a premium capability that enables sub-millisecond data delivery for Solana-specific events: new blocks, new transactions, account state changes, and program-specific events. For Nigerian DeFi trading systems and MEV (maximal extractable value) infrastructure that operate on Solana, this real-time streaming is critical for competitive execution. Chainstack uses a Request Unit (RU) billing model rather than per-method pricing. Each API call consumes RUs from the monthly pool: full node requests cost 1 RU, archive requests cost 2 RU. This transparent billing means Nigerian developers always know exactly what their usage costs. The free Developer plan provides 3 million RUs per month with no credit card required — sufficient for building and testing most dApp features. Paid plans scale from Growth ($49/month, 20M RUs) through Pro ($199/month, 80M RUs), Business ($349/month, 140M RUs), and Enterprise ($990/month, 400M RUs with custom SLAs and dedicated infrastructure). Nigerian blockchain teams building production-scale applications — exchanges, wallets, DeFi protocols, NFT platforms — benefit from Chainstack's globally distributed node network. Chainstack operates nodes across multiple cloud regions, and its global routing automatically connects each request to the nearest available node. This reduces latency for Nigerian developers and their end users compared to a single-region node provider. For latency-sensitive applications like trading bots and real-time price feeds, this geographic distribution matters. Multi-chain support in a single platform is another key advantage. Rather than managing separate accounts and configurations across Alchemy (for Ethereum), Helius (for Solana), and other per-chain providers, Nigerian developers can manage all blockchain connectivity from Chainstack's unified dashboard. One account, one billing relationship, and one API key pattern across every supported chain simplifies developer operations for teams managing complex multi-chain infrastructure. Authentication uses API keys generated in the Chainstack dashboard under Settings. Keys are embedded directly in the RPC endpoint URL for most protocols, or passed as a header for HTTP-based requests. WebSocket connections include the API key in the WebSocket URL. No geo-blocking has been reported for Nigerian users — Chainstack is a global infrastructure provider accessible from Nigeria without restrictions. Sign up with an email address and the free Developer plan is immediately available with no credit card required.

48. Rapyd Payout API

Payments, Development Tools, Banking & Fintech

Rapyd is a global Fintech-as-a-Service (FaaS) platform that provides businesses with a single API to collect payments, disburse payouts, and manage financial operations across 100+ countries and 900+ local payment methods. Founded in 2016 and headquartered in Tel Aviv, Israel, Rapyd is backed by Stripe and other major investors, and has a community of 50,000+ developers. The Rapyd API covers the complete payment lifecycle: online checkout, virtual accounts, hosted payment pages, multi-currency wallets, card issuing, FX conversion, and bulk disbursements. The Rapyd API is RESTful with JSON payloads. Documentation is at docs.rapyd.net. Authentication uses HMAC SHA-256 signing — a security scheme where every API request is signed using the access key and secret key provided during onboarding. This is more complex than Bearer Token auth and requires developers to implement the signing algorithm correctly. The signature is computed from the HTTP method, endpoint path, salt, timestamp, access key, and request body, then base64-encoded and included in the request header. Rapyd provides code samples in multiple languages to simplify implementation. Rapyd's core product for global payments is the Collect API, which enables businesses to accept local payment methods in 100+ countries. Rather than integrating with dozens of country-specific payment processors, businesses integrate Rapyd once and get access to payment methods including bank transfers, cash payment networks, direct debit, mobile wallets, and card networks in each country. For Nigeria and Africa, Rapyd's local payment method coverage includes relevant African payment rails — exact Nigerian payment methods available can be queried via the Rapyd Payment Methods API (GET /v1/payment_methods/country?country=NG). The Payout API enables mass disbursements to bank accounts and e-wallets globally. Businesses can send payments to employees, contractors, vendors, and customers in 100+ countries. Rapyd automatically handles FX conversion when the payout currency differs from the source currency. Rapyd also offers multi-currency wallets — virtual accounts that can hold balances in multiple currencies. This is useful for platforms managing funds on behalf of multiple currencies and wanting to minimize FX conversion costs by holding funds in the appropriate currency. Card issuing is another major feature — businesses can use the Rapyd API to issue virtual and physical Visa/Mastercard cards to their users in supported markets. This powers expense management tools, corporate card programs, and employee benefit cards. The Rapyd sandbox environment is fully featured and allows testing of all payment methods, disbursements, and card operations using test credentials. The developer community at community.rapyd.net provides support and knowledge sharing. From a compliance standpoint, Rapyd is an authorized Electronic Money Institution in the UK (FCA), an authorized Payment Institution in the EU (Lituanian FSA), and holds licenses in other jurisdictions. For Africa and Nigeria specifically, Rapyd works with local regulated partners to ensure compliance with CBN requirements. Frequently Asked Questions: Does Rapyd support Nigeria directly? Nigeria is accessible through Rapyd's Africa local payment method network. Use the Payment Methods API with country=NG to see currently available Nigerian payment methods. Why does Rapyd use HMAC SHA-256 instead of Bearer tokens? HMAC signing provides additional security for high-value enterprise transactions — each request is individually signed, preventing replay attacks and request forgery. Can Nigerian businesses sign up for Rapyd directly? Businesses need to have a legal entity in a Rapyd-supported country. Nigerian companies should contact Rapyd to confirm current onboarding eligibility.

49. FastForex

Payments, Trading & Currency Exchange

FastForex is a currency exchange rate API providing current and historical mid-market rates across 150+ world currencies plus common commodities (gold, silver), aimed at applications needing straightforward rate data without the tick-level bid/ask granularity that dedicated trading-focused forex APIs (like 1Forge) provide. A single GET request returns either the latest rates for a base currency against all others, or a direct conversion between two specific currencies with the amount already calculated. The API supports historical rate lookups for a specific past date (useful for financial reporting or reconciling a transaction against the rate at the time it occurred) and time-series data over a date range for building rate-history charts. Response times are optimized to be fast (as the name suggests) since the primary use case is real-time display in checkout flows, invoicing tools, and price converters rather than algorithmic trading. For Nigerian e-commerce platforms displaying prices in multiple currencies, invoicing tools converting NGN amounts for international clients, or expense-tracking apps needing historical exchange rates for reconciliation, FastForex's simple request/response model and generous free tier make it a lower-friction choice than a full trading-grade forex API when bid/ask spread precision isn't required.

50. ChangeNOW API

Blockchain, Payments

ChangeNOW is a non-custodial instant cryptocurrency exchange service that provides an API for embedding crypto-to-crypto swaps directly into wallets, apps, and platforms. Unlike centralized exchanges (Binance, Coinbase) that require user account creation, KYC verification, and custody of funds on the exchange, ChangeNOW operates as a swap service: users provide their source asset and destination wallet address, ChangeNOW executes the exchange across its liquidity network, and the converted asset lands directly in the user's own wallet. The entire swap is non-custodial — ChangeNOW never holds user funds beyond the brief swap execution window. For Nigerian developers building crypto wallets, payment processors, and DeFi applications, ChangeNOW is one of the most practical APIs for providing swap functionality. Nigeria's crypto users frequently need to convert between assets — swapping Bitcoin received from a remittance into USDT for stability, converting accumulated altcoins into BTC for cold storage, or exchanging ETH for BNB to take advantage of lower gas fees. Without a swap API like ChangeNOW, these conversions require users to go to an exchange, which is cumbersome and, for some Nigerian users, inaccessible due to exchange restrictions. The exchange rate estimation endpoint (/exchange/estimated-amount) is the starting point for any swap flow. Given a source currency (e.g., BTC), destination currency (e.g., USDT), and amount, it returns the estimated output amount, the exchange rate, and the estimated completion time. This allows Nigerian applications to show users the exact expected output before they initiate the swap — building trust and transparency in the exchange process. ChangeNOW supports both floating rate and fixed rate exchanges. With floating rates, the final output amount may differ slightly from the estimate due to market movements during the brief swap window — the user gets the market rate at execution time. With fixed rates, ChangeNOW locks in the exchange rate for a short window (typically 30-120 seconds) during which the user must send the source asset — the output is guaranteed at the quoted amount. Fixed rates are more user-friendly for Nigerian users who want certainty about what they will receive. Creating an exchange (/exchange) generates a unique deposit address where the user must send the source asset. The API returns this address, the expected output amount, and an exchange ID for tracking. Once ChangeNOW detects the incoming funds, it executes the swap and sends the converted asset to the user's destination address. The entire process typically completes in 2-15 minutes depending on the blockchain confirmation requirements for the source asset. Transaction status tracking via the /exchange/by-id endpoint allows applications to display real-time swap progress to Nigerian users: waiting for deposit, confirming source blockchain, exchanging, sending to destination, and completed. This status feed is important for user experience — crypto swaps are not instant, and users need reassurance that their funds are being processed correctly. Coverage of 850+ trading pairs means Nigerian users can swap virtually any commonly held cryptocurrency. The coverage includes Bitcoin (BTC), Ethereum (ETH), USDT (on Tron, Ethereum, and BNB Chain), BNB, Solana (SOL), XRP, Dogecoin, and hundreds of altcoins. Minimum amounts vary by pair based on liquidity conditions and blockchain fees; the API provides a minimum amount endpoint so applications can validate user input before attempting a swap. The API is completely free — ChangeNOW earns revenue from the spread between exchange rates, so there are no subscription fees or per-call charges for API usage. A free API key is obtained from changenow.io/api with no credit card required, and no geo-blocking for Nigerian developers has been reported.

51. Mono Connect

Payments

Mono is a Nigerian open banking and financial data infrastructure company that enables developers to build financial products by connecting customer bank accounts for data access, payments, and identity verification. Founded in 2020 by Abdul Hassan and Prakhar Sharma, Mono has raised funding from Sequoia Capital India and other top investors, and is one of Africa's leading open banking providers, covering over 30 Nigerian banks and financial institutions. The Mono platform is organized into three main API products: Financial Data, Payments (DirectPay), and Identity Verification. All three use the same developer credentials and are accessed via the Mono Connect widget — an embeddable authentication flow that allows customers to authorize Mono's access to their bank account using their internet banking credentials, in accordance with CBN open banking guidelines. The Financial Data API provides programmatic access to a bank account's transaction history, current balance, income patterns, and bank statements after the customer authorizes access through the Connect widget. Lenders use this data for credit scoring — analyzing spending patterns, income credits, and debt obligations from actual bank statements rather than relying on self-reported income. The transactions endpoint returns categorized transaction records covering 12–24 months of history depending on the bank. The Payments API, branded as DirectPay, enables businesses to initiate single direct debits from a linked customer bank account — charging the account directly without requiring the customer to enter card details. DirectPay is powered by open banking standards, with all transactions encrypted end-to-end. Pricing is 1% per successful transaction, capped at NGN 1,000. This makes DirectPay significantly cheaper than card payment fees (Paystack charges 1.5% + ₦100 capped at ₦2,000) for high-value transactions — for example, a ₦500,000 loan repayment via DirectPay costs ₦1,000 (capped), versus ₦2,100 via card. Mono also offers a Recurring Direct Debit product — where a customer authorizes ongoing debits on a schedule — enabling subscription billing, loan installment plans, and salary deductions using open banking mandates rather than card tokens. Authentication is handled via the Client Secret Key, which is included in request headers as mono-sec-key. Public keys are used client-side to initialize the Connect widget. Mono provides SDKs for React, React Native, JavaScript, Android, and iOS — all of which embed the Connect widget and handle the token exchange flow. Most integrations take 2–4 hours. For identity verification, Mono offers BVN verification, NIN verification, and document verification (government-issued ID). These are standalone API calls that do not require bank account linking — useful for KYC onboarding where the business needs to verify user identity before granting access to financial services. Mono's Identity API also supports address verification and company verification via CAC data — enabling Know Your Business (KYB) checks for B2B platforms and marketplace operators. The sandbox environment is available at mono.co/sandbox with test bank credentials provided in the documentation. All three products (Financial Data, DirectPay, Identity Verification) are testable in sandbox mode before going live. From a compliance standpoint, Mono operates under the CBN's Regulatory Framework for Open Banking in Nigeria. All data access is customer-authorized and consent-revocable. Mono is registered with the Nigerian Data Protection Regulation (NDPR) as a data controller and processor. The Connect widget displays clearly what data a business is requesting before the customer approves access. Mono covers over 30 Nigerian financial institutions including GTBank, First Bank, Zenith Bank, Access Bank, UBA, Sterling Bank, Kuda, OPay, PalmPay, and most major microfinance banks. Frequently Asked Questions: Can I access a customer's bank account without their permission? No — the Mono Connect widget requires explicit customer authorization. The customer sees exactly what data the platform is requesting and must provide their internet banking credentials to approve access. How long does bank account access last? Customer authorizations can expire or be revoked. Mono's refresh token mechanism allows businesses to refresh data access periodically, but customers can revoke access at any time via the Mono Customer Portal. Does DirectPay work for all Nigerian banks? DirectPay covers 30+ institutions but not all banks. Coverage continues to expand as Mono adds new integrations. Can I use Mono for business account verification? Yes — Mono's Identity API includes CAC verification for business account checks, in addition to individual BVN/NIN verification.

52. RexPay (Global Accelerex)

Payments

RexPay is a Nigerian payment gateway solution developed by Global Accelerex Limited, a leading electronic payment and business management solutions company operating in Nigeria and West Africa. Global Accelerex holds both a CBN Payment Solution Service Provider (PSSP) certification and a CBN Payment Terminal Service Provider (PTSP) certification — a dual certification that covers online payment processing and POS terminal management respectively. This makes Global Accelerex one of the few Nigerian companies with both licenses, giving RexPay institutional-grade credibility as a payment infrastructure partner. The RexPay API is RESTful with JSON payloads. Documentation is available at rexpay-docs.globalaccelerex.com. Authentication uses an API Key obtained from the RexPay merchant dashboard. Developers initialize payment transactions by sending a POST request with the amount and transaction reference, then display the RexPay checkout to the customer. RexPay supports three payment channels in Nigeria: card payments (Visa, Mastercard, Verve with 3D Secure / 2FA verification), internet banking transfers (bank-to-bank transfers via the customer's internet banking), and USSD (for customers on basic mobile phones without internet access). This covers the three primary payment behaviors of Nigerian consumers: card users, mobile banking users, and USSD users. For WordPress-based e-commerce stores, RexPay provides a WooCommerce plugin that can be installed directly from the WordPress plugin directory. This no-code integration allows Nigerian merchants to add RexPay checkout without writing a single line of code — simply install, configure the API key from the dashboard, and payments start flowing. Pricing for RexPay starts from $0 per month, indicating no mandatory platform fee. Transaction fees are commission-based and negotiated during merchant onboarding. The exact percentage rates are not published publicly but are competitive with other Nigerian gateways. The $0/month model makes RexPay accessible to small businesses and startups that cannot commit to monthly subscription fees. The sandbox environment allows full testing of all payment channels. Moving to live requires completing the Global Accelerex KYC process, which involves submitting CAC documents, director BVN, and business bank account information. From a compliance standpoint, Global Accelerex is CBN-certified under both the PSSP and PTSP frameworks, meaning that all payment transactions processed through RexPay meet CBN regulatory standards. PCI-DSS compliance ensures card data is handled and stored securely. RexPay is a focused Nigeria-only payment gateway — it does not currently support international payment corridors or other African countries. This is a trade-off that simplifies compliance but limits its usefulness for businesses with pan-African payment needs. Known challenges: RexPay's documentation and developer community are smaller than Paystack or Flutterwave. Advanced features like split payments, virtual accounts, and recurring billing are not currently supported. International card acceptance (for non-Nigerian Visa/Mastercard holders) may have limitations. Frequently Asked Questions: What is Global Accelerex? Global Accelerex is the parent company of RexPay. It is one of Nigeria's oldest e-payment companies, providing POS terminals, payment switches, and software solutions to Nigerian banks and enterprises since the early 2000s. Does RexPay work with WooCommerce? Yes — a WooCommerce plugin is available that allows Nigerian WordPress store owners to accept payments through RexPay without any coding. Can I use RexPay for B2B corporate payments? Yes — RexPay supports internet banking transfers, which is the preferred payment method for Nigerian corporate clients making large business-to-business payments.

53. NowNow API

Payments, Development Tools

Digital payments API for quick and easy money transfers. NowNow provides APIs for person-to-person transfers, bill payments, and merchant payments. Designed for fast, accessible payment processing across Africa.

54. Epic Pay

Development Tools, Payments

Epic Pay (Epic Payment Technologies Limited) is a Nigerian PSS-licensed payment gateway offering a full suite of developer APIs through a dedicated developer portal at developer.epicpay.com. The platform is PCI DSS 4.0 certified — one of the most current versions of the payment security standard — and provides Payment, Boarding/Agent, and Reporting APIs alongside SDKs for Java and C#/.NET. Epic Pay is notable for its white-label capabilities and its active developer community, the Epic Pay Developers Circle. What the API Does The Epic Pay API suite covers three main areas: (1) Payment API — initiate one-time and recurring payments, tokenize card payloads, manage customer records, and perform Address Verification Service (AVS) checks. (2) Boarding/Agent API — programmatically onboard merchants and agents onto the Epic Pay gateway, configure their settings, and manage their accounts. (3) Reporting API — retrieve real-time and historical transaction data for reconciliation and financial reporting. How Developers Use It Developers access the portal at developer.epicpay.com, create an account, obtain API keys, and integrate using the provided documentation and SDKs. Java and C#/.NET SDKs are available to simplify integration. The API is REST-based. A Dev Lab environment is available for sandbox testing. AVS codes are returned in real-time within sale and authorize responses. Pricing Not publicly listed. Developers can access the developer portal and Dev Lab for free. Transaction fee structure requires contacting Epic Pay directly. As a PSS-licensed provider, fees are likely in line with CBN-regulated payment industry standards. Authentication API Key from the EpicPay Gateway Developer Portal. Keys are used to authenticate all API requests. Compliance PSS (Payment Service Solution) licensed by the CBN. PCI DSS 4.0 certified — one of the most current PCI versions, demonstrating strong card data security practices. Challenges and Gotchas (1) No USSD or crypto support. (2) Pricing not public — requires direct engagement. (3) Less community presence than Paystack/Flutterwave — documentation depth may be lower. (4) White-label and agent boarding make it more suitable for ISOs and platform builders than simple merchant integrations. Company Background Epic Payment Technologies Limited is a Nigerian payment company focused on providing payment infrastructure for businesses, developers, and agent networks. The Developers Circle community initiative shows active engagement with the Nigerian developer ecosystem. FAQs Q: Does Epic Pay support recurring billing? A: Yes. The Payment API supports recurring payments with tokenized card storage. Q: Is there a sandbox? A: Yes. A Dev Lab environment is available at developer.epicpay.com/Docs/DevLab. Q: What SDKs are available? A: Java and C#/.NET SDKs are available on GitHub under EpicGateway organization. Q: Can I build a white-label payment product with Epic Pay? A: Yes. Epic Pay specifically supports white-label payment platform deployments with the Boarding API for sub-merchant management. PCI DSS 4.0 certification at Epic Pay ensures that the platform meets the most current version of the Payment Card Industry Data Security Standard, providing Nigerian merchants with confidence that card data processed through Epic Pay is handled in compliance with international card scheme security requirements. For Nigerian businesses that accept card payments through Epic Pay's infrastructure, the certification removes independent PCI compliance burden from the merchant's own systems for card data that flows through Epic Pay's hosted solutions. The white-label capability of Epic Pay allows Nigerian fintech companies to deploy a branded payment gateway under their own product identity, using Epic Pay's underlying infrastructure and licensing without exposing the white-label arrangement to end customers. This model benefits Nigerian fintechs that want to offer payment collection as part of a broader product suite — a lending platform offering collection infrastructure to borrowers, an HR platform providing payroll collection tools — under their own brand without building and licensing payment infrastructure independently. Agent boarding through Epic Pay's multi-API developer portal enables platforms managing agent networks to programmatically register agents, configure their access levels, and provision their payment acceptance capabilities. For Nigerian platforms operating agent banking networks, field sales agent networks, or merchant partner programs, automated agent onboarding through an API dramatically reduces the operational cost and time of expanding the agent network compared to manual registration processes.

55. Nomba API

Payments, Development Tools

Nomba is a Nigerian payment infrastructure company and CBN-licensed Payment Service Provider. Formerly known as Kudi, Nomba pivoted from a consumer-facing payment agent app to a comprehensive B2B payments infrastructure platform serving Nigerian businesses with APIs for checkout, virtual accounts, transfers, and POS terminal management. Nomba is backed by Stripe and significant venture capital, and powers millions of transactions daily across Nigeria's merchant and agent banking ecosystem. The Nomba API is RESTful with JSON payloads and uses OAuth2 for authentication. Developers can authenticate via two methods: the Client Credentials grant (server-to-server, for backend integrations) or the PKCE (Proof Key for Code Exchange) grant (for mobile and single-page app integrations where the secret cannot be safely stored). In both cases, an access_token is generated and passed in every API request as an Authorization: Bearer <token> header. API keys are retrieved from the Nomba business dashboard under Settings > API Keys. The Checkout API is the core product for accepting payments. Developers initialize a checkout session server-side by sending a POST request with the amount, currency (NGN), and a unique transaction reference. Nomba returns a hosted checkout URL that the developer redirects the customer to. The checkout supports card payments (Verve, Visa, Mastercard), USSD, and bank transfers. Nomba handles the entire payment experience on its hosted page — merchants do not need to build a custom checkout interface. For fund collection from specific customers, Nomba supports Virtual Accounts — unique bank account numbers assigned to individual customers or transactions. When a customer transfers any amount to their virtual account number, Nomba fires a webhook confirming the payment. This is ideal for Nigerian wallet top-ups, marketplace deposits, and savings apps where customers fund their balance via bank transfer. The Transfers API enables instant outbound bank transfers to any Nigerian bank account. Developers can send disbursements by specifying the destination bank code, account number, amount, and a unique transfer reference. Nomba executes the transfer via the Nigerian banking system. This is commonly used for payroll, agent commissions, loan disbursements, and refunds. Nomba also supports tokenized card flows — when a customer first pays with a card, Nomba can return a card authorization token that the merchant stores and uses for future charges without requiring the customer to re-enter card details. This enables installment plans, subscription-like products, and one-click repeat payments. For merchants with physical locations, Nomba provides a Terminals API that enables developers to build custom POS applications. Integrators can send payment requests to Nomba POS terminals, receive confirmation webhooks, and build merchant dashboards that pull transaction data from the terminal network. This is a unique capability that distinguishes Nomba from pure online payment gateways like Paystack or Flutterwave. Webhooks are available for all major events: payment success, payment failure, transfer completion, and virtual account credit. Developers must validate the webhook signature before processing events to ensure authenticity. The Nomba sandbox environment is available for all API products. Developers can test checkout, virtual accounts, and transfers without processing real money. Moving to live requires completing Nomba's business onboarding and CBN KYC verification. From a compliance standpoint, Nomba holds a CBN Payment Service Bank license and is licensed as a Payment Service Provider. All transactions are processed within the CBN regulatory framework. The platform is used by hundreds of thousands of Nigerian merchants, particularly small businesses, market traders, and logistics companies that use Nomba POS terminals. Frequently Asked Questions: How is Nomba different from Paystack? Paystack is primarily an online payment gateway. Nomba additionally offers POS terminal integration, agent banking infrastructure, and the Global Payout API for cross-border disbursements — making it more comprehensive for merchants with physical and digital presence. Is Nomba pricing public? Nomba does not publish exact API pricing. Contact the Nomba team for transaction fee schedules based on your volume and use case. Can I use Nomba for cross-border payments? The main Nomba API is for domestic Nigerian payments. For cross-border disbursements, use the separate Nomba Global Payout API which was launched in March 2026.

56. Busha Commerce API

Payments, Development Tools

Busha Commerce API is the developer platform for Busha, Nigeria's leading regulated cryptocurrency exchange founded in 2019. While global exchanges like Binance and Coinbase face regulatory friction and account restrictions in Nigeria, Busha operates as a Nigerian-registered entity, holds all required local licences, and is fully compliant with Nigerian financial regulations. This makes Busha the most trusted and legally reliable option for Nigerian businesses that want to accept cryptocurrency payments, provide crypto trading services, or build crypto-powered products for Nigerian users. The Busha Commerce API specifically targets Nigerian merchants and developers who need crypto payment acceptance with Nigerian Naira settlement. Nigeria's digital economy is growing rapidly, but Nigerian businesses face persistent challenges with conventional payment infrastructure: card declines on international transactions, Forex restrictions limiting dollar-denominated purchases, and high remittance fees. Cryptocurrency — particularly USDT (a stablecoin pegged to the US dollar) — has emerged as a practical alternative for Nigerians making and receiving international payments. Busha Commerce bridges the gap between crypto payments and the Nigerian Naira banking system, enabling merchants to accept crypto from customers anywhere in the world and receive NGN in their bank accounts. The payment workflow is straightforward. A Nigerian merchant creates a payment request via the API, specifying the amount in NGN or a crypto asset. Busha returns a payment address (or QR code) and a unique payment ID. The merchant displays this to the customer. When the customer sends crypto to that address, Busha detects the blockchain transaction, converts it to NGN at the current exchange rate (if NGN settlement is selected), and delivers a webhook notification to the merchant's server confirming the payment. The merchant can then fulfill the order knowing the NGN equivalent has been credited to their Busha balance. Exchange rate endpoints provide real-time NGN/BTC, NGN/ETH, and NGN/USDT rates based on Busha's live market rates. These rates reflect the actual rates at which Busha will settle payments — not third-party price data — ensuring Nigerian merchants display accurate expected payment amounts to their customers. The rates include Busha's exchange margin, so what the merchant sees is what they will receive. Webhook notifications are the backbone of the payment detection system. When a payment is received and confirmed on-chain, Busha sends an HTTP POST to the merchant's configured webhook URL with full payment details: amount paid, asset type, exchange rate applied, NGN value, and transaction status. The webhook payload is signed with a secret key so merchants can verify it genuinely came from Busha. This event-driven architecture means Nigerian merchant backends respond immediately to payments without polling. For Nigerian freelancers and service providers, Busha Commerce enables a particularly useful workflow: generate a shareable payment link for a specific invoice amount, send it to an international client, receive USDT payment from anywhere in the world, and settle to NGN via Busha's banking integration. This circumvents the delays and fees of international wire transfers and the restrictions that Nigerian bank accounts sometimes face on receiving foreign currency. The sandbox environment allows Nigerian developers to test the complete payment flow — creating test payment requests, simulating test payments, and receiving test webhook events — without using real cryptocurrency. This makes integration development safe and fast. Busha requires business KYC verification including CAC (Corporate Affairs Commission) registration documents for merchant accounts — consistent with Nigerian financial compliance requirements. API keys are generated after verification in the Busha developer dashboard.

57. Raenest API

Payments

Cross-border payment API for African diaspora remittances and international transfers. Raenest enables developers to integrate cross-border payment capabilities for sending money from anywhere to Africa with competitive rates and fast settlement.

58. Allawee Card Issuance API

Payments, Banking & Fintech

Allawee Card Issuance API is a Nigerian Banking-as-a-Service platform that enables fintech companies, microfinance institutions, and digital platforms to issue physical and virtual payment cards, create bank accounts, process transfers, and perform credit decisioning through a single API integration. Allawee provides the regulated infrastructure for card issuance and banking operations, allowing partner platforms to offer branded financial products without obtaining independent banking or card scheme licenses. Card issuance is the foundational capability of the Allawee platform. Partner applications can issue Mastercard or Verve physical cards linked to customer accounts through the API, enabling customers of the partner platform to receive a physical payment card they can use at POS terminals, ATMs, and online merchants across Nigeria and globally where the card scheme is accepted. Physical card issuance involves card personalization (embossing customer name and card details), printing, and delivery to customer addresses, all manageable through API calls that initiate the card production and fulfillment workflow. Bank account creation through Allawee enables partner platforms to create functional Nigerian bank accounts for their customers, complete with a NUBAN (Nigerian Uniform Bank Account Number) that is compatible with all Nigerian interbank transfer systems including NIP (NIBSS Instant Payment). Customer accounts created through Allawee can receive inbound transfers from any Nigerian bank and initiate outbound transfers to any Nigerian bank account, providing full interbank connectivity through a single BaaS API integration. Spend controls in the Allawee Card API allow partner platforms to set per-transaction limits, daily spending limits, merchant category restrictions, and geographic restrictions on issued cards. A Nigerian fintech issuing employee expense cards can configure spending controls that prevent cards from being used at non-approved merchant categories. An agricultural platform issuing input finance cards can restrict spending to agricultural input supplier merchant categories, ensuring that financed funds are used for their intended purpose. Credit data decisioning from Allawee leverages transaction history and behavioral patterns on the platform to generate credit scores and lending signals that partner platforms can use for automated loan underwriting decisions. For Nigerian lending platforms that issue cards to their borrowers and want to build repayment history and credit profile data from card usage patterns, Allawee's credit decisioning API provides structured credit signals from the same ecosystem where the lending relationship operates. Tokenization support in the Allawee platform enables issued cards to be added to digital wallets (Apple Pay, Google Pay) by card holders, extending card usability to contactless mobile payments in addition to physical card and online payments. As contactless payment adoption grows among Nigerian consumers particularly in Lagos and other major cities, tokenization support adds a distribution channel for issued cards that increases their day-to-day utility. Dispute management through the Allawee API provides structured workflows for handling card transaction disputes — unauthorized transactions, merchant disputes, technical failures — that partner platforms can initiate programmatically when customers report problems. Automated dispute initiation reduces the manual operational burden of handling customer complaints about card transactions and provides systematic tracking of dispute status and resolution. The CBN regulatory compliance infrastructure behind Allawee means that partner platforms are leveraging a regulated entity's banking and card scheme relationships rather than needing to independently establish CBN licensing, Mastercard or Verve principal membership, and the capital requirements those entail. This significantly lowers the barrier for Nigerian fintechs to add card and banking features to their products, compressing the typical 12-24 month timeline for independent licensing into an API integration that can be completed in days or weeks.

59. Miden Banking as a Service API

Payments

Miden Banking as a Service API is a sub-Saharan African fintech infrastructure platform that provides card issuance, corporate expense management, virtual accounts, wallet-as-a-service, and multi-country payout capabilities to financial institutions, fintechs, enterprises, and technology companies building embedded payment and financial products across Africa. Miden focuses on the corporate and enterprise financial product space, with particular strength in expense management, corporate card programs, and cross-border payment disbursement. Corporate card issuance is a key Miden capability, enabling partner organizations to issue company expense cards to employees with programmatic spend controls, real-time transaction visibility, and expense categorization. Miden's corporate card infrastructure supports building employee expense management tools where finance teams can see every card transaction in real time, configure per-employee or per-category spending limits, and reconcile expenses automatically without waiting for end-of-month manual reconciliation. For Nigerian companies managing employee expenses across multiple locations and departments, programmatic corporate card management replaces unwieldy petty cash and reimbursement processes. Virtual card issuance through Miden enables platforms to create virtual cards for specific use cases: vendor payment cards with merchant restrictions, single-use purchase cards for procurement, corporate virtual cards for online business expenses, and customer-facing virtual cards for fintech products. Virtual cards are created instantly through the API without physical card production timelines, making them suitable for immediate digital payment needs. NGN and USD accounts provide multi-currency financial infrastructure for Miden partner platforms. Naira accounts enable Nigerian interbank transfers and local payment operations. USD accounts allow platforms to hold dollar balances, make USD-denominated payments, and provide foreign currency account functionality to their customers. The combination of naira and dollar accounts in a single integration supports the multi-currency operational needs of Nigerian businesses engaged in both local and international commerce. Bill payments integration through Miden enables partner platforms to offer airtime top-up, utility bill payment (AEDC, EKEDC, IKEDC, BEDC), cable TV subscriptions (DSTV, GOtv, Startimes), internet data subscriptions, and other Nigerian bill payment categories to their customers. Embedding bill payments into a fintech or banking product increases platform stickiness — customers who pay all their bills through the same app they use for banking are less likely to churn to competing products. Bulk payout operations through Miden enable mass disbursement to bank accounts and mobile money wallets across multiple African countries. For Nigerian logistics companies, gig economy platforms, agricultural aggregators, and marketplace operators that need to pay large numbers of individuals across Nigeria and neighboring markets, Miden's bulk payout API provides the disbursement infrastructure to process hundreds or thousands of individual payouts efficiently in a single operation. Wallet as a Service capabilities allow partner platforms to create digital wallets for their customers — stored value accounts that can receive deposits, make payments, and earn rewards — without the complexity of building wallet infrastructure independently. For Nigerian platforms wanting to add a loyalty or savings wallet feature to their product suite, Miden's Wallet as a Service provides the backend for wallet account management, balance tracking, and transaction processing. Mobile money payout support extends Miden's disbursement coverage to mobile money wallet recipients in markets where mobile money is the primary financial access tool — particularly relevant for cross-border payouts to recipients in Ghana (MTN Mobile Money, Vodafone Cash), Kenya (M-Pesa), and other African markets where mobile money is more prevalent than bank accounts. This multi-rail payout coverage enables Nigerian platforms reaching pan-African beneficiary populations to make payouts regardless of whether recipients have bank accounts.

60. AZA Finance API

Development Tools, Payments

AZA Finance is a pan-African payments and foreign exchange infrastructure company that enables businesses and fintechs to send, receive, and convert money across Africa and globally through a single API. Originally founded as BitPesa in Nairobi in 2013, AZA Finance has evolved into one of Africa's most established cross-border payment platforms, holding regulatory licenses from the Central Bank of Nigeria (CBN), the UK Financial Conduct Authority (FCA), and the Bank of Uganda — a rare multi-jurisdictional licensing achievement in African fintech. What the API Does The AZA Finance API, documented at docs.azafinance.com and accessed via the developer portal at developers.transferzero.com, enables developers to programmatically initiate and manage cross-border payments across 30+ currencies and 115+ markets. Core capabilities include: sending payouts to bank accounts, mobile money wallets (M-Pesa, MTN Mobile Money, Airtel), and cash pickup points; real-time FX conversion between African and major global currencies; bulk payment processing for high-volume disbursements; account validation before sending; and webhook callbacks for real-time transaction status updates. How Developers Use It Developers integrate by creating an account at developers.transferzero.com. Authentication is via API Key and Secret issued from the portal. AZA Finance provides official SDKs for .NET, Java, JavaScript, PHP, and Ruby, significantly reducing integration time. The typical flow involves: creating a sender (KYC-verified entity), creating recipients (beneficiaries with bank or wallet details), initiating a transaction specifying corridors and currencies, and listening for webhook callbacks for status updates (pending, processing, paid, cancelled). The API supports test transactions in sandbox mode before going live. Supported Currencies and Countries AZA Finance supports 30+ currencies including NGN (Nigeria), GHS (Ghana), KES (Kenya), UGX (Uganda), TZS (Tanzania), ZAR (South Africa), XOF/XAF (CFA franc zones), MZN (Mozambique), USD, EUR, GBP, AED, CNY, and more. Nigeria is fully supported with CBN licensing in place. Pricing AZA Finance does not publish a public fee schedule. Pricing is determined by enterprise contract and depends on volume, corridor, and currency pair. The FX spread is embedded in the exchange rate offered. There is no self-serve free tier — you must contact their sales team to negotiate a contract. A sandbox environment is available for technical integration and testing at no cost. Authentication API authentication uses a Key + Secret pair obtained from the developer portal at developers.transferzero.com. Requests are signed with the secret to create an authorization header. The portal also supports role-based access controls for team members. Rate Limits AZA Finance operates on enterprise SLAs. Specific rate limit figures are not published publicly — they are determined by agreement. The platform maintains a 99.5% uptime guarantee. Compliance and Regulations AZA Finance is licensed by the Central Bank of Nigeria, making it one of the few Africa-focused payment APIs with direct CBN authorization. It also holds FCA authorization in the UK and Bank of Uganda licensing. The platform is PCI-DSS compliant and certified to ISO27001:2022 for information security management. All transactions undergo AML screening and compliance monitoring 24/7. Challenges and Gotchas Key limitations for Nigerian developers: (1) AZA Finance is B2B only — it is not designed for consumer checkout flows. (2) Pricing is opaque — you cannot estimate costs without contacting sales. (3) KYC onboarding can be lengthy for enterprise clients. (4) The developer portal still uses "TransferZero" branding from the previous product name — this can confuse developers unfamiliar with the company history. (5) No USSD or card payment support — AZA Finance is purely for push-payment corridors. Company Background AZA Finance was founded in 2013 as BitPesa, a Bitcoin-based remittance platform for Kenya. It later pivoted away from crypto, rebranded as TransferZero, and finally as AZA Finance in 2020. The company is headquartered in Nairobi with offices in Lagos, London, Madrid, Luxembourg, and Dakar. It has processed over $3 billion in transactions and serves major clients including global remittance firms and banks. FAQs Q: Can a Nigerian startup use AZA Finance without CBN licensing? A: Yes. AZA Finance holds the CBN license on your behalf — you access their infrastructure without needing your own license. However, you must sign a partner agreement and pass their KYC checks. Q: Is there a sandbox for testing? A: Yes. Developers can test at developers.transferzero.com in sandbox mode before production. Q: Does AZA Finance support NGN? A: Yes. Nigerian Naira (NGN) is a core supported currency with payouts to all major Nigerian banks. Q: Is AZA Finance suitable for consumer apps? A: No. AZA Finance is built for B2B use — enterprises, fintechs, and money transfer operators. It does not offer a consumer-facing checkout widget or SDK.

61. PayVessel Payments & Virtual Cards API

Payments

PayVessel Payments and Virtual Cards API is a Nigerian fintech infrastructure platform that provides a unified API covering payment collection, bank transfers, virtual accounts, virtual card issuance, identity verification, and credit scoring for Nigerian digital businesses. PayVessel consolidates multiple fintech building blocks into a single integration, enabling Nigerian startups and platforms to launch with comprehensive payment and financial infrastructure without stitching together multiple separate providers. Payment collection through PayVessel supports the primary Nigerian payment methods: card payments (Visa, Mastercard, Verve), bank transfers via virtual accounts, and mobile wallet payments. Merchants and platforms integrated with PayVessel can accept payments from Nigerian customers through any of these channels from a single API integration, ensuring that customers can pay using whichever method is most convenient or available to them without the merchant maintaining multiple payment gateway integrations. Dynamic virtual accounts are a core feature of PayVessel's collection infrastructure. A dynamic virtual account is a unique bank account number generated on demand for a specific payment transaction. When a customer is shown a dynamic virtual account number at checkout, any transfer made to that account number within a defined time window is matched to the specific transaction and triggers payment confirmation. Dynamic accounts solve the reconciliation problem of bank transfers — traditionally, matching a transfer received from an unknown sender to a specific order required manual matching; dynamic accounts automate this matching completely. Virtual USD cards issued through PayVessel enable Nigerian platform users to make USD-denominated online purchases, pay for international subscriptions, and receive USD payments through a virtual card with a US Mastercard number. For Nigerian users who need to access global digital services — cloud computing platforms, international software subscriptions, overseas supplier payments — a virtual USD card provides access without requiring a traditional domiciliary account or the foreign exchange procurement challenges associated with it. BVN (Bank Verification Number) verification through PayVessel enables platforms to verify that a customer's provided name and BVN match the records in the NIBSS database, confirming identity and banking status. NIN (National Identification Number) verification similarly validates identity against the NIMC database. For Nigerian lending platforms, savings apps, and investment platforms with regulatory Know Your Customer (KYC) requirements, BVN and NIN verification through PayVessel provides the identity confirmation layer needed for onboarding compliance. Credit scoring capabilities within PayVessel derive risk signals from customer transaction patterns, bank verification data, and behavioral indicators to produce credit scores that lending platforms can use for automated underwriting decisions. For Nigerian platforms offering buy-now-pay-later, micro-loans, or salary advances, an embedded credit scoring signal reduces the reliance on subjective human judgment in loan decisions and enables faster, more consistent approval workflows. Bulk transfer capabilities allow platforms to initiate large numbers of individual bank transfers in a single API request, enabling mass disbursement of funds — salary payments, affiliate commissions, vendor settlements, refund processing — without making individual API calls for each recipient. Nigerian HR platforms, marketplace operators, and financial services businesses that disburse to thousands of recipients regularly use bulk transfer APIs to complete disbursement cycles in minutes rather than hours of individual transaction processing. PayVessel provides a sandbox test environment where developers can simulate all API operations with test credentials before going live. The test environment produces realistic responses for successful and failed transaction scenarios, enabling thorough integration testing that validates edge case handling without affecting real bank accounts or processing real money during development.

62. VTUGate API

Utility Tools, Payments

Nigerian VTU platform providing unified API for airtime, data, cable subscriptions, and electricity bills. VTUGate specializes in high reliability through integration with multiple VTU providers as backup. Single API integration connects to multiple providers ensuring uptime and redundancy. Covers all major Nigerian networks and service providers.

63. Nium Payout API

Payments, Development Tools

Nium is a Singapore-headquartered global payments infrastructure company that provides businesses with a unified API to send payments to 190+ countries, collect payments in 35+ markets, and issue physical and virtual cards in 30+ countries. Nium is a licensed financial institution in multiple jurisdictions including the US, UK, EU, Singapore, and Australia, and serves financial institutions, fintech companies, banks, and enterprises that need to build or scale cross-border payment capabilities. The Nium API is RESTful with JSON payloads. Documentation is at docs.nium.com. Authentication uses API Key credentials passed in request headers (client-id and x-api-key). Nium operates a payout platform (mpdocs.nium.com) that provides the most detailed technical integration guidance for developers building payment products. For payouts, Nium supports 190+ destination countries with 65 of those available in real-time. The supported corridors span the Americas, Europe, Middle East, Africa, Oceania, and Asia-Pacific. Nigeria falls within Nium's Africa coverage — however, the exact payment methods, corridors, and processing times for Nigeria should be confirmed via the Nium Playbook at playbook.nium.com before integration. Payout fees are calculated in real-time at transaction execution and are corridor-specific. For collections, Nium supports receiving payments in 35+ markets using local payment methods. This covers bank transfers, card payments, and local e-wallets depending on the market. Nigeria-specific collection support should be confirmed separately. Nium also offers card issuance APIs in 30+ countries — enabling fintechs and banks to issue virtual and physical Visa/Mastercard cards to their customers. Cards can be issued in multiple currencies and managed programmatically (freeze, unfreeze, set spending limits, retrieve transactions). Webhooks are available for all major events: payout processing, payout completion, payout failure, and card transaction alerts. Developers can configure webhook endpoints during Nium account setup. The sandbox environment provides full testing capability for all Nium products. Moving to live requires completing Nium's enterprise onboarding, including business verification and compliance review by a Nium account manager. From a compliance standpoint, Nium is regulated in multiple jurisdictions globally. The company holds money transmitter licenses in all US states, FCA authorization in the UK, Payments Institution license in the EU, and MAS Major Payment Institution license in Singapore. For transactions to/from Nigeria, Nium routes through local correspondent partners that are CBN-licensed. Nium raised $200 million at a $2.1 billion valuation in 2022, making it one of the most well-capitalized global payment infrastructure companies. Clients include large banks, digital banks, travel companies, and enterprise platforms globally. Frequently Asked Questions: Is Nigeria a supported payout destination on Nium? Nium covers 190+ countries including African markets. Nigeria is likely included, but specific corridor availability and payment methods should be confirmed via the Nium Playbook at playbook.nium.com or by contacting your Nium account manager. Does Nium support NGN as a settlement currency? This should be confirmed during Nium onboarding. Nium typically settles in the destination country's local currency. Is Nium self-service or enterprise? Nium is primarily enterprise — access requires working with a Nium account manager. It is not a self-service sign-up API like Paystack or Stripe. Nium's card issuance capability in 30+ countries allows platforms to issue Visa or Mastercard branded cards to their customers in multiple markets from a single API integration. For Nigerian fintechs building pan-African or global financial products, Nium's card issuance infrastructure provides the card product layer alongside payout and collection capabilities, enabling a more complete financial product stack without multiple card program relationships. Nium's treasury management features allow platforms to hold multi-currency balances, execute FX conversions between 35+ currencies at competitive rates, and manage currency exposure across the markets they operate in. For Nigerian platforms managing collections in multiple currencies and disbursements in NGN or other African currencies, centralized multi-currency treasury management through Nium reduces FX conversion costs and the operational complexity of managing multiple currency accounts across different banking relationships.

64. Jostpay API

Development Tools, Payments

Nigerian payment gateway and VTU (airtime/data) platform API for merchants and resellers. Provides payment processing, bill payments, and mobile top-up services. Legacy platform with stable but limited recent API development activity.

65. Mainstack API

Payments

Mainstack is a Nigerian fintech platform providing embedded payments, business tools, and payout APIs for entrepreneurs and SMEs. The Mainstack API enables payment processing, fund management, and business automation. Nigerian entrepreneurs, creators, and SMEs use Mainstack to accept payments, manage funds, and access embedded finance.

66. eTranzact

Banking & Fintech, Payments

eTranzact International Plc is one of Nigeria's oldest and most established fintech companies, listed on the Nigerian Stock Exchange (NSE). Founded in 2003, eTranzact has been a foundational player in Nigeria's digital payments ecosystem — predating Paystack, Flutterwave, and most modern Nigerian payment gateways by over a decade. The company offers a suite of enterprise API products designed for banks, telcos, financial institutions, and government agencies. Developer documentation is available at developers.etranzactng.com. What the API Does eTranzact offers six primary API products: (1) SwitchIT — a bill payment API for utility, airtime, and service payments; (2) Virtual Account Service — for issuing and managing virtual bank account numbers; (3) AntPeer — loan mandate setup and automated repayment collection for digital lenders; (4) Instant Transfer — real-time interbank fund transfers via NIP; (5) e-Invoicing API — generating FIRS-compliant electronic invoices for tax compliance; (6) WaaS (Wallet-as-a-Service) — embedding wallet functionality into third-party applications. How Developers Use It Developers access the portal at developers.etranzactng.com for documentation and API reference. Authentication is via API key from the developer portal. eTranzact is an enterprise provider — onboarding typically requires a formal integration agreement rather than self-service signup. A sandbox environment is available for testing. Pricing Enterprise pricing only — not publicly listed. eTranzact targets institutional clients with contracts negotiated based on integration type, transaction volume, and product combination. Contact eTranzact for pricing. Compliance eTranzact is CBN-licensed and operates under CBN payment system regulations. As an NSE-listed company, it is subject to SEC regulations and public reporting requirements — providing institutional clients with a high level of corporate accountability and transparency. Challenges and Gotchas (1) Not a self-service platform — enterprise onboarding required. (2) Documentation is less accessible than Paystack or Flutterwave. (3) Primarily institutional focus — not designed for individual developers or small startups. (4) Pricing requires sales engagement. (5) Product suite is broad but each product may require a separate integration agreement. Company Background eTranzact International Plc was incorporated in 2003 and is headquartered in Lagos. It is listed on the Nigerian Stock Exchange and serves over 200+ banks and financial institutions across Nigeria and Africa. The company has expanded into Ghana, Zimbabwe, and other African markets. Its longevity and stock exchange listing make it one of the most trusted institutional payment infrastructure providers in Nigeria. FAQs Q: Is eTranzact publicly listed? A: Yes. eTranzact International Plc is listed on the Nigerian Stock Exchange. Q: Can a startup integrate eTranzact independently? A: eTranzact is primarily enterprise-focused. Small startups should consider Paystack or Flutterwave as more accessible alternatives. Q: Does eTranzact support loan mandate processing? A: Yes. The AntPeer product handles loan mandate setup and automated repayment debit for digital lenders and microfinance banks. Q: What is WaaS? A: Wallet-as-a-Service — an API that lets third-party apps embed NGN wallet functionality without building their own wallet infrastructure. For Nigerian enterprises and large organizations, eTranzact's position as a publicly listed company on the Nigerian Stock Exchange provides a level of transparency and financial accountability that private fintech providers cannot match. Annual financial reports, board governance, and shareholder accountability create institutional confidence for Nigerian banks, government agencies, and large corporations selecting payment infrastructure partners for critical financial operations. NIBSS NIP integration through eTranzact enables real-time instant payment transfers between Nigerian bank accounts, settled within seconds. For enterprises running high-value payment operations — salary disbursements, vendor settlements, inter-company transfers — access to the NIP instant payment rail through eTranzact's regulated infrastructure ensures funds reach recipients immediately rather than in batch settlement windows. eTranzact's long-standing position as a NIBSS-licensed institution provides direct connectivity to Nigeria's core payment clearing infrastructure. The PTSA (Payment Terminal Service Aggregator) license held by eTranzact allows the company to aggregate POS terminal services and provide terminal deployment, management, and transaction routing for merchants. Nigerian businesses deploying POS infrastructure — retail chains, hotels, supermarkets, service businesses — can use eTranzact as their PTSA for terminal provisioning and ongoing support. This physical payment infrastructure layer complements eTranzact's digital API services for businesses managing both in-person and online payment channels.

67. OPay

Payments, Development Tools

OPay is a Nigerian digital financial services company and CBN-licensed Payment Service Bank that provides payment gateway APIs for businesses to accept online and offline payments. Originally founded as Opera Pay, OPay has grown into one of Nigeria's largest fintech platforms, backed by SoftBank Vision Fund 2, Sequoia Capital China, and other major investors. OPay operates the largest mobile money network in Nigeria with over 40 million registered users and hundreds of thousands of agents — making it unique among Nigerian payment gateways in that its checkout is also deeply integrated with a mass-market e-wallet used daily by tens of millions of Nigerians. The OPay Checkout API is a RESTful, PCI-compliant payment gateway that enables businesses to accept multiple payment methods through a single integration. Developers access the API documentation at doc.opaycheckout.com, which provides both a hosted Express Checkout option (where OPay handles the entire payment UI) and a Server-to-Server API option (where developers build their own payment UI and call OPay endpoints directly for full control over the customer experience). Authentication uses AppId and AppKey credentials from the OPay Business Dashboard. Requests are signed using HMAC for security. The AppId is passed in the request header, and the AppKey is used to generate a signature that validates the integrity of each API call. The Business Dashboard is also used to configure webhook URLs and IP whitelisting — both of which are required for production deployments. OPay supports the following payment channels for Nigeria: local debit card payments (3DS and non-3DS), bank transfer checkout (where customers receive a virtual account number to transfer to), USSD payments, bank account direct debit, and OPay e-wallet QR payments. The e-wallet QR channel is uniquely powerful — customers with the OPay app can scan a QR code to pay directly from their OPay wallet, and the cost to the merchant is just ₦5 per transfer (the lowest payout rate in the Nigerian market). On the pricing side, OPay charges 1.5% per local transaction capped at ₦2,000 — identical to Paystack and Monnify. International card transactions are charged at 4% with no cap. For payouts (transfers out), OPay wallet transfers cost ₦5 flat, while bank transfers to other Nigerian banks follow the industry standard: ₦10 for amounts up to ₦5,000, ₦25 for ₦5,001–₦50,000, and ₦50 above ₦50,000. Volume discount pricing is available for large-volume processors upon request. OPay also provides a WooCommerce plugin for WordPress-based e-commerce stores, enabling non-technical merchants to add OPay checkout without writing any code. A PHP SDK is also available for backend developers. Webhook notifications are available for payment confirmation events. Developers must configure webhook endpoints in the dashboard and validate webhook signatures to prevent fraudulent event injection. OPay's sandbox environment allows full testing of all payment channels before going live. Moving to live requires completing OPay's business onboarding including CBN KYC: CAC registration, director BVN and government ID, and a business bank account. From a compliance standpoint, OPay Digital Services Limited is CBN-licensed as a Payment Service Bank and operates under the Payment Service Bank (PSB) regulatory framework. All card data is processed in compliance with PCI-DSS. The OPay e-wallet is NDIC-insured up to ₦500,000. Known challenges: OPay's developer documentation is less comprehensive than Paystack's. Some advanced features (split payments, recurring billing) are not available. The e-wallet QR payment channel requires customers to have the OPay app installed, which is only relevant for merchants targeting OPay's user base. Frequently Asked Questions: How is OPay different from Paystack? OPay's main differentiator is the integration with its 40M+ user e-wallet for ₦5 QR payments. For developers building for OPay's mass-market user base, this is a significant advantage. For general e-commerce, Paystack has better documentation and more developer features. Does OPay support split payments or subscriptions? No — OPay's checkout API does not currently support split payments or recurring subscription billing. What is the OPay wallet QR payment? It allows merchants to display a QR code that customers with the OPay app can scan to pay directly from their OPay wallet at ₦5 per transaction.

68. GT Pay (GTPay)

Payments, Banking & Fintech, Development Tools

GTPay is the online payment gateway from Guaranty Trust Bank (now Guaranty Trust Holding Company — GTCo), one of Nigeria's largest and most recognized tier-1 banks. GTPay enables Nigerian merchants to accept card payments online from customers using Interswitch (Verve), Visa, and Mastercard — both locally issued and international cards. The gateway is backed by GTBank's banking infrastructure and has been serving Nigerian e-commerce merchants since the early days of online payments in Nigeria. What GTPay Does GTPay processes card-present-not-required (CNP) transactions for online merchants, collecting payment from customers and settling into the merchant's GTBank business account. The gateway supports NGN (currency code 566) and USD (currency code 840) transactions, making it usable for both local NGN e-commerce and international USD billing. How Developers Use It Developers obtain a Merchant ID and Hash Key by physically visiting any GTBank branch nationwide and registering as a GTPay merchant. After registration, integration is done using the technical parameters documented at ibank.gtbank.com/gtpay/IntegrationAPI/mman-tech.html. Key parameters include: gtpay_mert_id (merchant identifier), gtpay_tranx_id (unique transaction ID from merchant), gtpay_tranx_amt (amount in kobo or cents), and gtpay_tranx_curr (ISO currency code — 566 for NGN, 840 for USD). The Hash Key is used to generate a transaction hash for request signing. Pricing Local card transactions: 1.5% fee capped at ₦2,000. Contact GTBank for the full fee schedule including international card rates. Authentication Merchant ID and Hash Key pair obtained from GTBank branch. Transactions are signed using the Hash Key to generate a security hash that GTBank validates before processing. Compliance GTPay is operated by Guaranty Trust Bank (CBN-licensed), ensuring full CBN compliance for all payment processing. PCI DSS compliant for card data handling. Important Note on Legacy Status GTCo (formerly GTBank) has since launched Squad (squadco.com) as their modern, developer-first payment platform under HabariPay Limited. Squad offers a comprehensive REST API with sandbox, webhooks, virtual accounts, and full documentation. For new integrations, Squad is the recommended modern alternative to GTPay. GTPay remains operational for existing merchants. Challenges and Gotchas (1) Merchant registration requires a physical GTBank branch visit — not self-serve online. (2) GTPay is a legacy product — documentation is older and less comprehensive than modern gateways. (3) No bank transfer, USSD, or recurring billing support. (4) Integration is form-post based rather than modern REST JSON API. (5) New projects should seriously consider Squad (HabariPay) instead. FAQs Q: How do I get a GTPay Merchant ID? A: Visit any GTBank branch nationwide with your business documents to register as a GTPay merchant. Q: Is GTPay still active? A: Yes, GTPay remains operational for existing merchants but GTCo's newer platform Squad is the recommended modern alternative. Q: Does GTPay support USSD or bank transfer? A: No. GTPay only supports card payments (Interswitch/Verve, Visa, Mastercard). Q: What currencies does GTPay support? A: NGN (566) and USD (840). GTPay's backing by Guaranty Trust Bank (GTBank) — consistently ranked among Nigeria's top tier-1 banks — provides GTPay merchants with the financial security and institutional credibility that bank-affiliated payment infrastructure carries. For Nigerian businesses where their payment gateway provider's financial stability is a selection criterion — particularly for merchants holding float or awaiting settlement — a bank-affiliated gateway provides assurance that is difficult for independent fintech providers to match. The settlement process for GTPay transactions credits merchant accounts within GTBank's settlement cycle, with same-day or next-day settlement available for GTPay merchants who also hold GTBank business accounts. This tight integration between payment gateway and bank account reduces settlement float and simplifies reconciliation for merchants whose primary banking relationship is with GTBank, one of the largest retail and commercial banking relationships in Nigeria.

69. CBI Monie

Payments, Development Tools

CBI Monie is a Nigerian payment infrastructure platform operated by CBI Technologies Limited. The company is licensed by the Central Bank of Nigeria (CBN), ISO-certified, NDPR-compliant, and PCI-DSS certified — making it one of the compliance-ready options for Nigerian businesses and fintechs needing embedded payment capabilities. CBI Monie offers multi-channel payment acceptance including POS terminals, dynamic QR codes, virtual account numbers, payment links, and a developer API for programmatic integration. What the API Does The CBI Monie API provides RESTful endpoints for: wallet balance and transaction management; QR code and virtual account generation; merchant onboarding for agent networks; payment links and checkout sessions; and real-time webhook events for automated workflows. The API is designed for fintechs, ERP systems, government platforms, and agent network operators that need to embed payment infrastructure into their products. How Developers Use It API access is by request — developers contact support@cbitechnologiesltd.com to initiate onboarding. Once approved, API credentials are issued. The platform provides SDKs and webhook integration modules. A sandbox environment is available for safe testing of transactions and webhook events before going live. The API follows RESTful conventions. Pricing Not publicly listed. CBI Monie pricing is available upon request through their sales and support team at support@cbitechnologiesltd.com. There is also a dedicated pricing page at cbimonie.com/pricing for merchant plans. Compliance CBN-licensed, ISO-certified, NDPR-compliant (Nigeria Data Protection Regulation), and PCI-DSS certified. CBI Monie handles cardholder data in compliance with international payment security standards. All merchant and API partner onboarding includes KYC verification. Supported Payment Channels POS terminals (physical card-present), dynamic QR codes, virtual account numbers (NIP transfers), payment links and hosted checkout, and web/mobile integration via API. Challenges and Gotchas (1) API access is not self-serve — requires approval and manual onboarding. (2) No USSD payment support. (3) No crypto or cross-border payment capabilities. (4) Rate limits and detailed technical specs are not publicly documented. (5) Compared to Paystack or Flutterwave, documentation is less comprehensive and publicly accessible. Company Background CBI Monie is a product of CBI Technologies Limited, a Nigerian fintech infrastructure company. The platform targets enterprise and institutional clients including government agencies, large merchants, fintechs building on top of their rails, and agent network operators who need a compliant multi-channel payment stack. FAQs Q: How do I get API access? A: Contact support@cbitechnologiesltd.com to request API access. Access is not self-serve. Q: Is there a sandbox? A: Yes. CBI Monie provides a developer-safe sandbox for testing transactions and webhooks. Q: Is CBI Monie suitable for a consumer app? A: Yes, through the wallet and virtual account APIs. It is also well-suited for B2B and enterprise platforms. Q: Does CBI Monie accept international cards? A: Yes. POS and card acceptance includes Verve, Visa, and Mastercard. Q: Can CBI Monie handle agent network onboarding? A: Yes. The Merchant Onboarding API is specifically designed for programmatically onboarding agents at scale. The PCI DSS certification of CBI Monie ensures that card data processed through the platform meets the Payment Card Industry Data Security Standard requirements for cardholder data protection. For Nigerian fintechs and enterprises concerned about compliance with card scheme requirements, CBI Monie's certified status removes the burden of achieving independent PCI DSS certification for card data handling within the integrating platform's environment. QR code payment functionality in CBI Monie enables merchant-displayed QR codes that customers can scan to initiate payments using their mobile banking apps or fintech wallets. As QR code payment adoption grows in Nigeria — driven by CBN's promotion of cashless payment infrastructure and the expansion of mobile banking usage — merchants integrated with CBI Monie can offer this payment channel alongside traditional card and bank transfer methods without additional infrastructure. Merchant onboarding APIs within CBI Monie allow platform operators managing merchant networks to programmatically onboard new merchants, verify their identity and business credentials, and activate payment acceptance — building automated merchant lifecycle management for agent banking platforms, marketplace operators, and payment aggregators managing large merchant portfolios in Nigeria.

70. Squad

Payments, Development Tools

Squad is a Nigerian payment gateway and developer-first payment infrastructure platform operated by HabariPay Limited, the fintech subsidiary of Guaranty Trust Holding Company (GTCO) — the parent company of Guaranty Trust Bank, one of Nigeria's Tier 1 commercial banks. This institutional backing gives Squad a unique position in the Nigerian fintech ecosystem: it combines the regulatory standing of a CBN-licensed commercial bank group with a modern API-first developer experience. Squad is available at squadco.com and provides documentation at docs.squadco.com. The Squad API is RESTful with JSON payloads. Authentication is via Bearer Token — developers obtain a secret key from the Squad dashboard and pass it in every request as Authorization: Bearer sk_test_xxxx (sandbox) or Authorization: Bearer sk_live_xxxx (production). All amounts are passed in Naira (NGN), unlike some Nigerian gateways that require amounts in Kobo. Squad's payment gateway supports card payments (Verve, Visa, Mastercard), bank transfers, and USSD — the three primary payment channels used by Nigerian consumers. The standard integration follows a three-step flow: initialize a transaction by posting to the Squad initiate endpoint with amount, email, and a unique transaction reference; display the Squad checkout widget to the customer; and verify the transaction on your server after the customer completes payment. Squad provides both a hosted checkout page and an embeddable inline SDK for seamless checkout experiences. One of Squad's most notable differentiators is its fee structure. The payment gateway charges a percentage fee capped at ₦1,500 per transaction — lower than Paystack (₦2,000 cap) and Monnify (₦2,000 cap). For virtual account collections, Squad charges a percentage capped at ₦1,000, which is again among the lowest caps in the Nigerian market for bank transfer collections. Payment links (used for social commerce and invoicing) are charged at 1% for local transactions and 3.5% for international transactions. This pricing advantage makes Squad particularly attractive for businesses processing high-value transactions, where the cap limits the absolute cost per transaction regardless of size. Squad's Virtual Accounts feature assigns a dedicated bank account number to each customer for use in collections. Businesses can create virtual accounts for individual customers — when a customer transfers any amount to their dedicated account, the Squad webhook fires and the balance is credited in real time. This is widely used by Nigerian savings apps, investment platforms, and bill payment services where customers top up wallets via bank transfer. The Subscription API allows platforms to create recurring billing products. When a customer first pays via Squad, the platform receives a unique charge token tied to that customer's card. Future charges can be triggered by passing this token without requiring the customer to re-enter card details — enabling automatic monthly subscriptions, usage-based billing, and installment plans for Nigerian consumers. Squad also provides a Payouts API for disbursing funds to any Nigerian bank account. Developers submit a destination bank code, account number, and amount, and Squad executes the transfer. Payout pricing is competitive and the API supports both single and bulk transfers. The BVN verification endpoint available through Squad allows platforms to look up a Bank Verification Number and return the associated name and basic identity information. This is commonly used by Nigerian lending products and fintech apps to confirm user identity as part of CBN-required KYC processes. The Squad sandbox environment provides full test mode access. Developers can test all features — gateway payments, virtual accounts, subscriptions, payouts, and BVN verification — using test credentials without processing real transactions. Moving to live requires completing Squad's business onboarding, including submitting CAC registration, director BVN, and a valid business bank account. From a compliance perspective, HabariPay Limited is a CBN-licensed Payment Service Provider operating under the regulatory oversight of the Central Bank of Nigeria. GTCO's banking license adds an additional layer of institutional compliance. Squad is also PCI-DSS certified, ensuring that card payment data is processed and stored to the highest security standards. Squad runs an annual Hackathon for Nigerian students and early-career developers — Squad by GTBank Hackathon — providing cash prizes and API credits to winners. This investment in the developer community has built significant goodwill among Nigeria's emerging developer ecosystem. Known challenges: Squad's documentation, while functional, is less comprehensive than Paystack's. Some advanced integration patterns (split payments, multi-vendor marketplace flows) are not as fully documented. The Squad developer community is smaller than Paystack's, which can make troubleshooting harder for niche use cases. Frequently Asked Questions: Is Squad backed by GTBank? Yes — Squad is operated by HabariPay Limited, which is a subsidiary of Guaranty Trust Holding Company (GTCO), the same holding company that owns GTBank. What is the fee cap advantage? Squad's gateway fee is capped at ₦1,500 versus ₦2,000 for Paystack and Monnify — meaning on large transactions, you save ₦500 per collection. Does Squad support dollar transactions? Squad supports international card payments (Visa/Mastercard). Settlement is in NGN. Can I test Squad without registering a business? Yes — create a free developer account and use the sandbox with test credentials before submitting any business documents.

71. NumlookupAPI Phone Validation

Data Validation, Development Tools, Payments

NumlookupAPI is a phone number lookup and validation API providing real-time carrier identification, line type detection, geographic location data, and number format normalization for global phone numbers including Nigerian (+234) numbers. Operated by EverAPI (everapihq), the platform offers a developer-friendly integration path with a free trial requiring no credit card, paid plans from $9.99/month, and a 99.99% uptime SLA on all paid tiers. The API is designed for businesses that need to validate phone numbers at point of entry, enrich CRM contact data, or screen registrations for invalid or suspicious numbers — without the complexity of a full communications platform. ## What the API Does A single NumlookupAPI call accepts a phone number and returns: - **Validity**: Whether the number is a valid, recognized phone number. - **Number (E.164)**: The number in international E.164 format. - **Carrier**: The mobile network operator (e.g., MTN Nigeria, Airtel Nigeria, Globacom, 9mobile). - **Line type**: Mobile, landline, VoIP, or unknown. - **Location**: Country and sub-national region associated with the number prefix. - **Country code**: ISO 2-letter country code (NG for Nigerian numbers). The API integrates with CRM systems, marketing platforms, and custom applications for automated phone number quality management. ## How Developers Use It GET request to the NumlookupAPI endpoint with the phone number and API key. The response is a JSON object with all available metadata. SDKs and client libraries are available for popular languages through the GitHub repository (everapihq/numlookupapi). Integration is straightforward and can be completed in under an hour. ## Pricing & Fees - **Free trial**: Available with no credit card required for initial testing. - **Paid plans**: Start at $9.99/month providing 7,000 API requests per month. - **Custom plans**: Available for businesses requiring more than 300,000 requests per month. - All paid plans include unlimited API connections (no concurrent request limit) and the 99.99% uptime guarantee. ## Authentication API key authentication. The key is passed as a parameter in the API request. Keys are issued immediately after registration. ## Rate Limits Rate limits are based on monthly request quotas per plan tier. Paid plans come with unlimited concurrent API connections — requests are processed without queuing. Monthly quotas reset each billing cycle. ## Compliance NumlookupAPI processes phone numbers for validation and lookup purposes. Data handling policies are consistent with standard API service agreements. For Nigerian deployments, the carrier and format data returned supports phone number verification as part of broader user onboarding flows. ## Challenges & Gotchas for Nigerian Developers 1. **No SIM Swap detection**: NumlookupAPI provides carrier and line type data but does not offer SIM Swap detection for fraud prevention. Use Twilio Lookup for SIM Swap signals. 2. **Carrier accuracy with MNP**: Nigerian mobile number portability can cause carrier misidentification after a user switches networks. The API reflects original carrier assignment. 3. **7,000 requests at $9.99**: This is a reasonable starting volume but will be exhausted quickly for apps with active daily registrations. Plan your tier based on expected daily validation volume. 4. **USD billing**: NumlookupAPI charges in USD. Nigerian developers need a USD-capable payment method. 5. **Limited documentation depth**: As a smaller API provider, documentation and community support resources are more limited than Twilio or Abstract API. ## Company Background NumlookupAPI is operated by EverAPI (everapihq), a developer-focused API company providing a portfolio of data enrichment and validation APIs. The platform is available as an open-source client library on GitHub and through the Rapid API marketplace in addition to the main website. ## Frequently Asked Questions **Q: Does NumlookupAPI support Nigerian phone numbers?** A: Yes. Nigerian numbers (+234) are supported with carrier identification for MTN, Airtel, Glo, and 9mobile. **Q: Is a credit card required to try the API?** A: No. A free trial is available without credit card details. **Q: What is the uptime guarantee?** A: Paid plans include a 99.99% uptime SLA over the trailing 12-month period. **Q: How many requests does the entry-level plan include?** A: The $9.99/month plan includes 7,000 API requests per month.

72. Stripe

Payments, eCommerce

Stripe is the world's leading developer-first payment infrastructure platform, offering a comprehensive suite of APIs for accepting payments, managing subscriptions, running marketplaces, issuing cards, and managing financial operations across 195+ countries. Stripe processes hundreds of billions of dollars annually for millions of businesses globally and is widely regarded as setting the gold standard for payment API design, documentation quality, and developer experience. CRITICAL NOTE FOR NIGERIAN BUSINESSES: Stripe does not currently support merchant account registration for Nigeria-incorporated businesses, NGN settlement to Nigerian bank accounts, or local Nigerian payment methods (bank transfers, USSD, Verve cards). Nigerian businesses cannot register a Stripe account as a Nigerian entity. Nigerian businesses needing local payment processing should use CBN-licensed alternatives: Paystack (Stripe subsidiary, Nigeria-optimized), Flutterwave, Monnify, Kora, or other Nigerian-licensed payment processors. However, Stripe remains highly relevant to the Nigerian tech ecosystem in several important capacities. Paystack — Nigeria's leading payment gateway and most developer-loved fintech API — was acquired by Stripe in 2020 and has adopted many of Stripe's API design conventions. Nigerian developers who learn Stripe's patterns (idempotency keys, webhook signature verification, payment intent lifecycle, connect architecture) will find this knowledge directly transferable when building on Paystack or other modern payment APIs. Diaspora and cross-border cases: Nigerian-founded companies incorporated in the United States, United Kingdom, or other Stripe-supported markets can register Stripe accounts under those foreign entities and use Stripe to charge international customers. This is a common path for Nigerian SaaS founders who incorporate in Delaware (for US market access or investor requirements) and use Stripe to charge global subscribers. The Nigerian individual may build and operate the product, but the contracting entity is foreign-incorporated. Stripe Connect is Stripe's marketplace and platform payment architecture, allowing a platform business to facilitate payments between buyers and sellers or service providers with automatic split payment, commission deduction, and payout management. For Nigerian developers building marketplace products intended for international markets — freelance platforms, services marketplaces, SaaS reseller programs — Stripe Connect provides the payment infrastructure to handle multi-party money flows between international participants. Stripe Billing handles subscription management, recurring payment scheduling, proration for mid-cycle plan changes, invoice generation, retry logic for failed payments, and metered billing for usage-based pricing. For SaaS products serving international markets, Stripe Billing reduces subscription payment infrastructure development from months to days while handling edge cases like payment method expiration, card declines, and dunning flows automatically. Stripe Radar is an AI-powered fraud detection system that scores every payment request in real time and can automatically block suspicious transactions based on customizable rules. For platforms handling international transactions that include potentially high-fraud regions or payment patterns, Radar provides machine learning-based fraud prevention without building custom fraud detection infrastructure. Stripe's documentation is widely considered the best in the payments industry — comprehensive, accurate, with full API reference, extensive guides for common integration patterns, and code examples in multiple languages. Nigerian developers studying payment API design use Stripe documentation as a reference model for understanding best practices in API design, error handling, webhook architecture, and payment security that apply across any payment provider.

73. Kuda Open API

Payments, Development Tools

Kuda Open API is the developer platform of Kuda Bank — Nigeria's first fully mobile-only bank, licensed by the Central Bank of Nigeria (CBN). Launched to enable businesses to embed banking infrastructure directly into their products, the Kuda Open API provides access to real Nigerian bank account infrastructure, NIP-powered instant transfers, dynamic virtual accounts, bill payments, and instant settlement capabilities — all through a clean RESTful API backed by one of Nigeria's most trusted and innovative financial institutions. Kuda Bank was founded in 2019 by Babs Ogundeyi and Musty Mustapha, and quickly grew into one of Nigeria's most popular neobanks, with millions of individual users. In 2022–2023, Kuda expanded its infrastructure to businesses through the Open API program, enabling companies to build financial products on top of its licensed banking rails — without needing their own CBN banking license. **What the Kuda Open API Does** The API is designed for businesses that need to move money programmatically within Nigeria. Key capabilities include: - **Bank Transfers**: Send NGN to any Nigerian bank account through the NIP (Nigeria Interbank Payment) system. Available as single transfers or bulk transfer batches, making it ideal for payroll, vendor payments, and mass disbursements. - **Dynamic Virtual Accounts**: Create unique Nigerian bank account numbers (tied to your Kuda business account) that customers can pay to. Payments trigger instant webhook notifications, enabling real-time payment confirmation without manual reconciliation. - **Single-use Account Numbers**: Generate one-time account numbers for specific payment purposes, reducing fraud and simplifying payment attribution. - **Instant Settlement**: Funds received can be settled in near real-time at 0.3% of the transaction value, capped at ₦100 — providing faster cash flow compared to traditional payment cycles. - **Account Verification**: Verify that a bank account name matches the account number before initiating a transfer — a critical fraud-prevention step for Nigerian fintech applications. - **Transaction History & Balances**: Query account balances and full transaction histories programmatically — essential for reconciliation, reporting, and financial dashboards. - **Bill Payments**: Purchase airtime, mobile data, cable TV subscriptions (DSTV, GOtv, Startimes), and electricity prepaid tokens via API, with commission opportunities on each transaction. **Authentication** The Kuda Open API uses API key authentication. Developers register on the Kuda Developer Portal (developer.kuda.com), complete business verification, and receive an API key that is passed as a Bearer token in the Authorization header of all API requests. The sandbox environment is accessible immediately after registration, with production access unlocked after KYB (Know Your Business) verification. **Sandbox Environment** Kuda provides a full sandbox environment that replicates all production capabilities. Developers can test transfers, create virtual accounts, simulate incoming payments, trigger webhook events, and validate account verification flows without moving real money. This makes it safe to develop and test integrations before going live. **Pricing** Kuda's pricing model is flat-fee per transaction — not percentage-based — which is a significant advantage for high-value transactions: - Transfers of ₦0–₦10,000: ₦12 per transaction - Transfers of ₦10,001–₦100,000: ₦10 per transaction - Transfers of ₦100,001–₦400,000: ₦9 per transaction - Transfers above ₦400,001: ₦7 per transaction - Instant settlement: 0.3% of transaction value, capped at ₦100 - Virtual account fee: 0.1% of transaction value (approximately) - No hidden fees — the listed prices are the final prices paid. This flat-fee structure means that a ₦1,000,000 transfer costs exactly ₦7, compared to percentage-based gateways that might charge ₦15,000 for the same transaction. **Nigeria Access & Requirements** To access production APIs, businesses must complete KYB (Know Your Business) verification, which requires: a CAC Certificate of Incorporation or Business Name Registration, BVN and government-issued ID for directors, and an active Nigerian business bank account. Sandbox access requires only registration — no documents needed. **Compliance & Regulatory Standing** Kuda Bank holds a Microfinance Bank licence from the CBN. The Open API inherits this regulatory standing, meaning virtual accounts and transfers executed through the API are backed by a licensed Nigerian financial institution. This is a significant compliance advantage for fintech builders who need to demonstrate regulated banking infrastructure to enterprise clients or regulators. **Challenges & Considerations** While Kuda's pricing model is excellent for high-value transfers, the ₦12 flat fee per low-value transfer can be proportionally high for very small transactions (e.g., ₦12 fee on a ₦100 transfer = 12%). Card payment acceptance is not currently part of the Open API — businesses needing card-based collection still require an additional payment gateway like Paystack or Flutterwave. International transfers and multi-currency account support are also not available. **Frequently Asked Questions** Q: Do I need a CBN license to use the Kuda Open API? A: No. Kuda's CBN Microfinance Bank license covers the banking infrastructure, so your business can offer account and transfer products without obtaining a separate license. Q: Can I use the sandbox without submitting documents? A: Yes. Sandbox registration requires only an email and business details. Full KYB documents are only required before going live. Q: Does Kuda support card payments through the Open API? A: No. The Kuda Open API is focused on bank transfers and virtual accounts, not card acceptance. Q: How fast are NIP transfers? A: NIP transfers are typically instant (within seconds) during normal operating hours. Q: Is Kuda Open API available to businesses outside Nigeria? A: The API is primarily designed for Nigerian-registered businesses. International companies may face restrictions on KYB verification.

74. ClubKonnect API

Utility Tools, Payments

Long-standing Nigerian VTU platform providing airtime, data, and bill payment APIs. ClubKonnect has been serving Nigerian developers for years with reliable VTU services. Offers integration for airtime recharge, data bundles, cable TV subscriptions, and utility bill payments across all major Nigerian networks and providers.

75. Nomba Global Payout API

Development Tools, Payments, Trading & Currency Exchange

The Nomba Global Payout API is a cross-border payment disbursement product launched by Nomba in March 2026, designed specifically for Nigerian payment operators, remittance platforms, and fintechs that need to collect Naira or stablecoin funds from Nigerian users and disburse to recipients in international markets. It eliminates the need for operators to manually source foreign exchange or maintain multi-currency liquidity pools across different countries. Nomba is a CBN-licensed Nigerian Payment Service Provider. The Global Payout API represents a significant expansion of Nomba's capabilities beyond domestic Nigerian payments into the cross-border remittance corridor, addressing one of the most operationally complex challenges facing Nigerian fintech operators: access to affordable, reliable FX and settlement infrastructure for international disbursements. The API enables operators to collect funds in two ways: via NGN virtual accounts (where Nigerian senders transfer Naira) or via stablecoin deposits (USDT or USDC). Once funds are received, Nomba automatically converts them to the target currency and routes the disbursement through the appropriate local payment rail in the destination country. This auto-conversion capability is a critical differentiator — operators do not need to hold USD, GBP, EUR, or CAD reserves; Nomba handles the full FX lifecycle. Supported corridors at launch include: United Kingdom via Faster Payments (transfers up to £1,000,000, settled in 1–3 hours), European Union via SEPA transfer (up to €100,000, settled in under 1 hour), Canada via Interac (instant) and standard bank transfer, and the Democratic Republic of Congo via Mobile Money (instant) and bank transfer. Additional corridors are expected to expand over time. The developer integration flow involves four main steps. First, call the exchange rates endpoint to get the current NGN-to-destination-currency rate. Optionally use the Convert Money endpoint to lock this rate before initiating the transfer. Then call the payment methods endpoint for the destination country to retrieve available rails and required recipient details (bank account type, purpose of payment, etc.). Finally, authorize the transfer with the recipient's bank details and monitor the transaction status via the returned transaction ID. Authentication uses OAuth2 Bearer Tokens, consistent with Nomba's main API. Developers use either Client Credentials (for server-to-server) or PKCE flow (for mobile apps). Webhooks deliver real-time status updates for each disbursement, enabling operators to update their internal systems when a transfer succeeds or fails. Pricing for the Global Payout API is not publicly published. Nomba charges transaction-based fees for each corridor; operators are advised to contact Nomba's team for enterprise pricing based on expected monthly volumes. Given that the product targets high-volume remittance operators and fintechs, volume discounts are likely available. The Global Payout API is particularly significant for the Nigerian diaspora remittance market. Nigeria receives over $20 billion per year in remittances and is Africa's largest remittance destination. By enabling Nigerian-licensed platforms to send money OUT of Nigeria via a single API, Nomba addresses the reverse corridor — outbound from Nigeria — which is critical for freelancer payments, business vendor payments, and capital repatriation. From a compliance standpoint, all cross-border disbursements via Nomba are processed within the CBN's regulatory framework. Nomba holds the necessary licenses for international money transfer operations. For high-volume corridors, operators may be required to provide AML documentation and demonstrate the nature of their disbursement use case. Frequently Asked Questions: Which countries can I disburse to? At launch in March 2026: UK, EU, Canada, and DRC. Additional corridors are planned. Contact Nomba for the latest corridor list. Can I collect from Nigerian users in NGN? Yes — Nomba provides NGN virtual accounts for collection. The collected Naira is automatically converted to the destination currency at the prevailing rate. Can I lock the FX rate before initiating a transfer? Yes — use the Convert Money endpoint to lock the exchange rate before authorizing the disbursement. This protects against rate fluctuations between quoting and execution. Is this separate from Nomba's domestic API? Yes — the Global Payout API is a distinct product with its own documentation at developer.nomba.com/docs/products/global-payout/introduction. Domestic Nigerian payments use the main Nomba Checkout and Transfer APIs.

76. Pngme API

Banking & Fintech, Development Tools, Payments

Financial data API platform that aggregates African financial data for developers and fintechs. Pngme provides access to bank transaction data, mobile money data, and financial insights across Nigeria and African markets. Enables credit scoring, risk assessment, and alternative credit building for underbanked populations.

77. CredPal API

eCommerce, Payments

CredPal is a Nigerian BNPL and consumer credit specialist providing APIs for installment payments. The CredPal API enables "shop now, pay in installments" functionality for online and offline retail. Merchants integrated with CredPal can offer customers up to 6-month payment plans. Nigerian retailers, e-commerce platforms, and partners like Jumia use CredPal API to offer flexible payment options and increase sales through installment options.

78. Alat by Wema API

Payments, Development Tools

Alat by Wema is Wema Bank's comprehensive digital banking and payments platform providing APIs for payment processing, account management, and embedded finance solutions. The platform enables businesses and fintech partners to accept payments through multiple channels (card payments, bank transfers, bank details/static accounts, USSD), manage accounts, and integrate banking services. Alat by Wema powers AlatPay, Wema's battle-tested payment gateway, and offers partner banking APIs for approved fintech partners. Key capabilities include: Instant payment processing with transparent pricing and no hidden charges, Multiple payment channels (Card, Bank Transfer, Bank Details, USSD, Static Account), Real-time merchant dashboard, Dedicated developer support, Unlimited transaction processing, Sandbox environment for testing, Partner banking APIs for embedded finance. Nigerian e-commerce platforms, service providers, USSD-based businesses, and fintech companies use Alat by Wema for reliable payment acceptance and banking integration. API Base URL: https://apibox.alatpay.ng. Support: alatpaysupport@wemabank.com. Powered by WEMA Bank.

79. Payaza API

Payments, Development Tools

Payaza Africa Limited is a pan-African payment gateway and financial services platform headquartered in Lagos, Nigeria, with operating licenses in 16+ countries including Nigeria, Ghana, Kenya, Tanzania, Liberia, Zambia, Rwanda, Uganda, Benin Republic, Côte d'Ivoire, Zimbabwe, Namibia, the DRC, Bahrain, the United Kingdom, the United States, Canada, and the UAE. This extensive multi-country licensing makes Payaza one of the most geographically diverse African payment platforms available to developers — a single Payaza API integration can power both local Nigerian payments and international collections from the UK, Canada, and the UAE. Payaza's developer documentation is available at docs.payaza.africa, with integration support at payaza.africa/integration-support. The API is RESTful with JSON payloads. Authentication uses a Bearer Token (Secret Key from the Payaza merchant dashboard). The API design follows standard patterns familiar to developers who have used Paystack or Flutterwave. Payaza supports card payments (Visa, Mastercard, Verve), bank transfer checkout, and mobile money across its supported markets. In Nigeria specifically, the gateway supports local debit card transactions, bank transfer collections, and outbound payouts to Nigerian bank accounts. In West Africa, mobile money is supported via integration with MTN Mobile Money, Orange Money, and other providers. For UK and international merchants, Payaza's local acquiring licenses enable card acceptance in British pounds and other major currencies. Multi-currency support is a primary differentiator. Merchants can configure Payaza to accept payments in NGN, GBP, USD, CAD, EUR, KES, GHS, and other currencies depending on their licensed market. This is particularly valuable for Nigerian diaspora businesses, e-commerce platforms with international customers, and SaaS companies billing customers globally. Payaza offers fast local and international payouts. For Nigerian businesses, payouts to local bank accounts are processed within standard Nigerian interbank timelines. For international payouts, Payaza's licenses in the UK, US, and Canada enable direct disbursement to foreign bank accounts without the complexity of SWIFT correspondent banking. The platform is built with security and compliance at its core. Payaza holds investment-grade security certifications and is PCI-DSS compliant. The platform has been described as offering "the most enjoyable payment experience" by Nigerian SME users, reflecting a focus on clean UI, fast onboarding, and responsive merchant support. Payaza has a particular strength in the creator economy and SME segment. Nigerian freelancers, digital product sellers, and content creators use Payaza to collect international card payments from overseas clients and receive settlement in their Nigerian accounts. The payment link feature requires no coding — making it accessible to non-technical merchants. Exact pricing is not publicly published on the Payaza website. Transaction fees are approximately 1.4–1.5% for local Nigerian transactions plus applicable flat fees, with international rates higher. Merchants are advised to contact Payaza directly for current rates based on their expected transaction volume and geography. The Payaza sandbox environment is available for testing. Moving from sandbox to live requires completing KYC onboarding including CAC registration, director BVN and government ID, and a business bank account. For international markets, Payaza may request additional compliance documentation depending on the country. From a compliance standpoint, Payaza Africa Limited is licensed by the CBN in Nigeria and has equivalent regulatory approvals in each of its 16+ operating jurisdictions. The breadth of licenses is a significant competitive advantage that took years to accumulate and represents a high barrier to entry for competitors. Frequently Asked Questions: How many countries does Payaza support? Payaza is licensed in 16+ countries as of 2026, including Nigeria, Ghana, Kenya, UK, US, Canada, and UAE. Additional markets are being added. Does Payaza support USD and GBP collection? Yes — Payaza can collect USD and GBP directly using its US and UK licenses, eliminating the need for separate payment processors in those markets. What is the onboarding time for Payaza? Nigerian business onboarding typically takes 2–5 business days depending on KYC document completeness. Is Payaza publicly traded? No — Payaza Africa Limited is a private company.