Unlimit (formerly CardPay)
Payments · Banking & Fintech
Unlimit (formerly known as CardPay, then Unlimint) is a global financial technology company with over 15 years of experience in international payment infrastructure. Headquartered across multiple regional offices and operating in 200+ locations worldwide, Unlimit provides payment processing, multi-currency business accounts, Banking-as-a-Service (BaaS), and cryptocurrency on/off-ramp services to merchants, platforms, and financial institutions globally. Africa — specifically Nigeria, Kenya, and Tanzania — is explicitly listed as a supported region in Unlimit's global coverage.
Nigerian and African businesses with international customer bases, global e-commerce merchants, gaming companies, travel platforms, and subscription services needing to accept 1,000+ payment methods across 150+ currencies — with explicit support for Nigeria, Kenya, and Tanzania in Africa.
Unlimit (formerly CardPay, then Unlimint) is a global gateway — Nigeria is explicitly listed as a supported market but it is not a Nigerian-native platform. Best suited for businesses that need international multi-currency payment acceptance including African local methods. Custom pricing applies — no self-serve merchant onboarding with published fees.
Features Included
Not Supported
Technical Specs
- Pricing:Custom enterprise pricing — not publicly listed. Based on volume, payment methods, and regions. Contact Unlimit sales for a merchant pricing quote. No publicly listed free tier.
- Authentication:Terminal credentials (Terminal Code + Password) + SHA-512 signature — server-to-server authentication for API gateway mode; OAuth 2.0 for some endpoints
- Rate Limit:Not publicly documented — enterprise SLA-based
- Sandbox Mode:✓ Available
Key Highlights
- 1,000+ payment methods supported across 200+ locations globally
- 150+ currencies accepted — strong for multi-currency e-commerce
- Nigeria explicitly listed as supported African market (alongside Kenya, Tanzania)
- 15+ years of payment infrastructure experience
- BaaS offering: white-label card issuing, SEPA/SWIFT/BACS payment rails
- Crypto on/off-ramp for DeFi, GameFi, and NFT platforms
- Full server-to-server API with payment page and gateway modes
Required Access Documents
- Business Registration DocumentsRequiredCertificate of Incorporation and business registration documents. For Nigerian businesses: CAC certificate and related filings.
- Director / Owner KYC DocumentsRequiredGovernment-issued ID and proof of address for company directors and beneficial owners as part of KYC/AML compliance.
- Business Bank AccountRequiredActive bank account for payment settlement — currency and jurisdiction depend on the merchant's operating region.
- Business Description & WebsiteRequiredDescription of business activities, industry vertical, and the URL of the merchant's website or application for risk assessment.
- Volume ProjectionsOptionalExpected transaction volumes and average ticket sizes — used to determine pricing tiers and risk parameters during onboarding.
Use Cases
- International E-commerce Serving Nigerian Customers:Global e-commerce platforms use Unlimit to accept Nigerian payment methods alongside international cards — enabling Nigerian customers to pay in NGN while the merchant settles in USD, EUR, or other currencies.
- Gaming Platform Payments in Nigeria:Online gaming and iGaming companies integrate Unlimit to accept deposits and process withdrawals for Nigerian players, using local Nigerian payment rails alongside international cards and e-wallets.
- Travel & Hospitality Multi-currency Booking:Nigerian travel agencies, airlines, and hotel booking platforms serving both local and international customers use Unlimit to accept multi-currency payments and process refunds across 150+ currencies.
- Subscription Platform with Global + African Billing:SaaS and content platforms targeting users in Nigeria, Kenya, Tanzania, and international markets use Unlimit's subscription billing to automate recurring charges in local currencies.
- Crypto-to-Fiat Off-ramp for Nigerian Users:DeFi platforms and crypto wallets serving Nigerian users integrate Unlimit's crypto on/off-ramp to convert stablecoin or crypto holdings into NGN or other fiat currencies for withdrawal.