PayVessel Payments & Virtual Cards API
Payments · Banking & Fintech · Data Validation
PayVessel is a comprehensive fintech API platform enabling developers to integrate payments, transfers, virtual USD cards, virtual accounts, and identity verification through a single REST API. The platform is specifically designed for Nigerian developers and businesses, offering a complete fintech infrastructure stack without requiring multiple provider integrations.
Nigerian fintech startups, e-commerce platforms, SaaS companies, and lending platforms needing unified payments, transfers, cards, accounts, and identity verification infrastructure.
PayVessel consolidates multiple fintech services in one platform. All features natively support Nigerian naira and banking. Test mode available immediately. Production requires standard business documentation and KYC.
Features Included
Not Supported
Technical Specs
- Pricing:Transaction-based pricing for payments and payouts. Virtual card issuance and account fees available on request. See docs for exact rates.
- Authentication:Bearer Token (API Key)
- Rate Limit:Standard rate limits; see documentation
- Sandbox Mode:✓ Available
Key Highlights
- Single API for payments, transfers, cards, accounts, and KYC
- Native naira support and Nigerian bank integration
- Virtual USD cards for international transactions
- Dynamic virtual account creation
- BVN/NIN verification built-in
- Pre-built solutions for e-commerce and subscriptions
- Multiple tech stack SDKs available
Required Access Documents
- Business RegistrationRequiredValid CAC registration or business name certificate.
- Director IDRequiredDirector or owner passport, driver license, or NIN.
- Utility BillOptionalRecent utility bill for address verification.
- Bank DetailsRequiredActive Nigerian business bank account.
Use Cases
- E-commerce Payment Gateway:Integrate PayVessel Payments API into your online store to accept card, bank transfer, and wallet payments from Nigerian customers with instant fund settlement.
- Subscription & Recurring Billing:Build SaaS or membership platform using PayVessel's recurring payment capability to automate monthly billing and customer collections.
- Marketplace Revenue Distribution:Create a marketplace using PayVessel's split payment feature to automatically distribute earnings between sellers, platform, and logistics partners.
- Lending Platform with KYC:Develop a lending platform leveraging PayVessel's BVN/NIN verification and credit scoring to automate borrower assessment and fund disbursement.
- International Payment Aggregator:Build a platform enabling Nigerian users to receive payments in USD using PayVessel's Virtual USD Cards while handling local naira settlement.