Payaza API
Payments · Banking & Fintech · Nigeria
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 API Highlights
Payaza API is verified for developer integrations in Nigeria and across African markets, providing documented endpoints, sandbox testing, and developer support.
Bearer Token (Secret Key from Payaza Dashboard)
Not publicly specified
Nigeria
Ghana
KenyaPayaza API is best for:
Nigerian and African businesses needing a multi-market payment gateway licensed in 16+ countries including Nigeria, Ghana, Kenya, UK, and UAE particularly platforms processing both local Nigerian payments and international/cross-border collections in a single integration.
- Approximately 1.4 1.5% per local transaction plus flat fee
- Multi-currency fees vary
- Exact rates available on request from Payaza
- No public pricing page
Payaza API Core Features & Capabilities
Features Included
Not Supported
Payaza API Supported Webhook Events
Webhooks supported (Webhooks). Check official documentation for endpoint setup.
Required Access Documents for Payaza API
- CAC Registration CertificateRequiredCertificate of Incorporation or Business Name Registration required for Nigerian account activation.
- Director BVN and Government IDRequiredBVN and valid government-issued ID for directors.
- Business Bank AccountRequiredActive Nigerian bank account for NGN settlement.
Different Payaza API use cases
- Diaspora-to-Nigeria E-commerce:Nigerian businesses selling to diaspora customers in the UK and US can use Payaza's multi-currency checkout to accept GBP and USD payments with Payaza's UK and US licenses enabling direct local collection.
- SME Cross-Border Payments:Nigerian SMEs exporting goods to Ghana, Kenya, or Tanzania can use Payaza's multi-country licensing to collect local currency payments from buyers in each market without opening local bank accounts.
- Creator Economy Monetization:Nigerian content creators and digital product sellers can use Payaza payment links to accept international card payments from global audiences receiving settlements in NGN or multi-currency accounts.
- International Cards for Nigerian SaaS:Nigerian SaaS companies with international customers can integrate Payaza to accept Visa/Mastercard from customers in the UK, Canada, and UAE using Payaza's local acquiring licenses in those markets.