PayVessel Payments & Virtual Cards API
Payments · Banking & Fintech · Data Validation
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.
PayVessel Payments & Virtual Cards API Highlights
PayVessel Payments & Virtual Cards API is verified for developer integrations in Nigeria and across African markets, providing documented endpoints, sandbox testing, and developer support.
Bearer Token (API Key)
Standard rate limits; see documentation
Nigeria
Ghana
KenyaPayVessel Payments & Virtual Cards API is best for:
Nigerian fintech startups, e-commerce platforms, SaaS companies, and lending platforms needing unified payments, transfers, cards, accounts, and identity verification infrastructure.
- Transaction-based pricing for payments and payouts
- Virtual card issuance and account fees available on request
- See docs for exact rates
PayVessel Payments & Virtual Cards API Core Features & Capabilities
Features Included
Not Supported
Required Access Documents for PayVessel Payments & Virtual Cards API
- 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.
Different PayVessel Payments & Virtual Cards API 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.