Question 1

What does Payaza API do?

Accepted Answer

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.

Question 2

How much does Payaza API cost?

Accepted Answer

Payaza API is free to integrate, with fees charged per transaction (commission-based). 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.

Question 3

How do I authenticate with the Payaza API API?

Accepted Answer

Bearer Token (Secret Key from Payaza Dashboard)

Question 4

Is there a rate limit on Payaza API?

Accepted Answer

Not publicly specified

Question 5

Does Payaza API offer a sandbox or test mode?

Accepted Answer

Yes — Payaza API provides a sandbox or test environment so you can integrate and test before going live.

Question 6

What is Payaza API best suited for?

Accepted Answer

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.

Question 7

Is there anything else I should know before integrating Payaza API?

Accepted Answer

Payaza Africa Limited is licensed in 16+ countries including Nigeria, Ghana, Kenya, Tanzania, UK, US, Canada, and UAE. Multi-currency support makes it attractive for platforms serving diaspora and cross-border commerce. Pricing not publicly listed — contact Payaza for rates.

Question 8

Where can I find Payaza API's documentation?

Accepted Answer

The official API documentation is at https://docs.payaza.africa. The provider's website is https://payaza.africa.

Question 9

Does Payaza API support Nigerian developers?

Accepted Answer

Yes — Payaza API explicitly supports Nigerian developers/use cases.

Payaza API

Features Included

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Key Highlights

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