Squad API
Payments · Banking & Fintech · Nigeria
Squad is a Nigerian payment gateway and developer-first payment infrastructure platform operated by HabariPay Limited, the fintech subsidiary of Guaranty Trust Holding Company (GTCO) the parent company of Guaranty Trust Bank, one of Nigeria's Tier 1 commercial banks. This institutional backing gives Squad a unique position in the Nigerian fintech ecosystem: it combines the regulatory standing of a CBN-licensed commercial bank group with a modern API-first developer experience.
Squad API Highlights
Squad API is verified for developer integrations in Nigeria and across African markets, providing documented endpoints, sandbox testing, and developer support.
Bearer Token (Secret Key from Squad Dashboard)
Not publicly specified
Nigeria
Ghana
KenyaSquad API is best for:
Nigerian developers and businesses that want a GTBank-backed payment gateway with lower fee caps than competitors gateway capped at ₦1,500, virtual accounts capped at ₦1,000 with full developer API, subscription billing, and BVN verification.
- Gateway (card/USSD/bank transfer):capped at ₦1,500
- Virtual accounts:capped at ₦1,000
- Payment links:1% local, 3.5% international
- No setup fees, no hidden charges
Squad API Core Features & Capabilities
Features Included
Not Supported
Squad API Supported Webhook Events
Webhooks supported (Webhooks). Check official documentation for endpoint setup.
Required Access Documents for Squad API
- CAC Registration CertificateRequiredCertificate of Incorporation or Business Name Registration from the Corporate Affairs Commission.
- Director Government ID and BVNRequiredValid government-issued ID and BVN for directors required for live account KYC.
- Business Bank AccountRequiredActive Nigerian bank account for settlement.
Different Squad API use cases
- Low-Cost High-Volume Collections:Nigerian businesses processing large numbers of bank transfer payments can use Squad virtual accounts at ₦1,000 cap significantly reducing collection costs compared to percentage-based fee structures.
- Subscription Products with Token Billing:Nigerian SaaS platforms can use Squad Subscription API to charge customers and receive a unique charge token enabling future debits without requiring the customer to re-enter card details.
- Payment Links for SMEs:Nigerian small businesses and freelancers can use Squad payment links (1% local, 3.5% international) to collect payments from customers worldwide without building a custom checkout.
- BVN-Verified Checkout:Nigerian fintech apps can use Squad BVN verification at checkout to confirm customer identity matches their payment instrument reducing fraud and meeting CBN KYC requirements.
- Automated Refund Processing:E-commerce platforms can use Squad Refunds API to automatically process customer refund requests triggering bank account refunds programmatically without manual dashboard intervention.