RoutePay Fintech API
Payments · Banking & Fintech · Nigeria
RoutePay Fintech Limited is a Nigerian payment technology company that received its Full Operating Licence from the Central Bank of Nigeria (CBN) as a Payment Solution Service Provider (PSSP) on January 12, 2023 making it one of the newer entrants to Nigeria's regulated payment gateway space. The company is also certified by the Nigerian Communications Commission (NCC) for Value-Added Services, giving it a dual regulatory standing that covers both financial payments and telecoms-adjacent services like airtime and data transactions.
RoutePay Fintech API Highlights
RoutePay Fintech API is verified for developer integrations in Nigeria and across African markets, providing documented endpoints, sandbox testing, and developer support.
API Key credentials issued after merchant KYC; contact developer.routepay.com or sales@routepay.com for API access
Not publicly documented
Nigeria
Ghana
KenyaRoutePay Fintech API is best for:
Nigerian businesses needing an omnichannel CBN-licensed PSSP covering web, mobile, POS, ATM, and USSD payments plus access to merchant micro-loans through Routelink MFB for businesses that want embedded credit facilities alongside their payment infrastructure.
- No monthly maintenance fees
- Minimal industry-standard per-transaction fees applied with full transparency
- Specific fee percentages not publicly listed contact RoutePay sales (sales@routepay.com) for merchant pricing
- Micro-loan fees governed separately by Routelink MFB terms
RoutePay Fintech API Core Features & Capabilities
Features Included
Not Supported
Required Access Documents for RoutePay Fintech API
- CAC Registration CertificateRequiredCertificate of Incorporation or Business Name Registration for merchant KYB/KYC verification to activate full payment processing.
- Director BVN & Government IDRequiredBank Verification Number and valid government ID (International passport, driver's licence, or NIN) for directors or business owners.
- Business Bank AccountRequiredActive Nigerian bank account in the business name for settlement of collected payments.
- Tier 1 / Tier 2 / Tier 3 KYC DocumentsOptionalRoutePay uses a tiered KYC model. Higher tiers unlock higher transaction limits additional documents (utility bill, address proof, enhanced ID) may be required for Tier 2 and Tier 3 upgrades.
Different RoutePay Fintech API use cases
- Omnichannel Retail Checkout:Nigerian retail businesses integrate RoutePay to accept card, bank transfer, USSD, and QR code payments across their website, mobile app, and physical POS terminals a unified omnichannel payment stack under a single CBN-licensed gateway.
- Government Tax & Fee Collection:Nigerian state agencies and public institutions use RoutePay's institutional payment infrastructure to collect tax payments, licensing fees, and regulatory submissions from citizens and businesses via web and USSD channels.
- Merchant Micro-loan Financing:Nigerian SMEs that process payments through RoutePay gain access to merchant micro-loans from Routelink MFB with loan eligibility determined by transaction volume and history on the RoutePay platform, solving working capital challenges without traditional bank collateral.
- USSD-based Agent Banking:Financial inclusion agents and mobile money operators in rural Nigeria use RoutePay's USSD integration to serve customers without smartphones accepting bill payments and transfers via feature phone USSD codes.
- Bill Payment Super-app:Nigerian apps embed RoutePay's bill payment API to offer airtime top-up, electricity prepaid tokens, cable TV subscriptions, and internet data purchases within a single platform generating per-transaction commission revenue at scale.