SPay Business Solutions API
Payments · Banking & Fintech · Nigeria
SPay Business Solutions Ltd is a Nigerian payment technology company offering a streamlined payment gateway designed specifically for Nigerian businesses, SMEs, freelancers, and service providers who need to accept online payments without complex infrastructure. ", SPay focuses on making payment collection accessible to businesses of all sizes from solo freelancers generating payment links to online stores integrating a full checkout API.
SPay Business Solutions API Highlights
SPay Business Solutions API is verified for developer integrations in Nigeria and across African markets, providing documented endpoints, sandbox testing, and developer support.
API Key merchants receive API credentials after completing KYC/onboarding on the SPay dashboard
Not publicly documented
Nigeria
Ghana
KenyaSPay Business Solutions API is best for:
Nigerian SMEs, freelancers, online businesses, and service providers needing a straightforward payment gateway for accepting online card payments, bank transfers via virtual accounts (First Bank), and recurring subscription billing without complex integration overhead.
- based pricing per transaction
- Specific fee percentages are not publicly listed contact SPay for merchant pricing
- No publicly advertised monthly subscription fee
SPay Business Solutions API Core Features & Capabilities
Features Included
Not Supported
SPay Business Solutions API Supported Webhook Events
Webhooks supported (Webhook Notifications). Check official documentation for endpoint setup.
Required Access Documents for SPay Business Solutions API
- CAC Registration CertificateRequiredCertificate of Incorporation or Business Name Registration required during merchant KYC to activate full payment processing capabilities.
- Business Bank Account DetailsRequiredActive Nigerian bank account in the business name for settlement of collected payments.
- Valid Government ID (Director)RequiredInternational passport, driver's licence, or NIN slip of a director or business owner for identity verification.
- No Documents (Test Mode)OptionalDevelopers can register and use test payment tools without submitting KYC documents full KYC is only required before processing live transactions.
Different SPay Business Solutions API use cases
- Freelancer Invoice Payment:Nigerian freelancers and consultants generate a payment link via SPay and share it with clients to collect professional fees online eliminating the need for a full e-commerce setup or developer integration.
- E-commerce Checkout Integration:Online stores integrate SPay's payment API to accept card and bank transfer payments from Nigerian customers, with virtual accounts enabling zero-friction bank transfer checkout.
- SaaS Subscription Billing:Nigerian SaaS products use SPay's subscription management to automatically bill users on weekly, monthly, or annual cycles handling failed payment retries and subscription status tracking.
- Service Business Invoicing:Salons, tutors, logistics companies, and event planners in Nigeria use SPay payment links to collect upfront deposits and balances from customers without needing a website or app.
- School Fee Collection:Nigerian schools and training institutes embed SPay payment links or API into their enrollment portals to accept term fees and course payments via card or virtual bank account transfer.