Unlimit (formerly CardPay) API
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.
Unlimit (formerly CardPay) API Highlights
Unlimit (formerly CardPay) API is verified for developer integrations in Nigeria and across African markets, providing documented endpoints, sandbox testing, and developer support.
Terminal credentials (Terminal Code + Password) + SHA-512 signature server-to-server authentication for API gateway mode; OAuth 2.0 for some endpoints
Not publicly documented enterprise SLA-based
Nigeria
Ghana
KenyaUnlimit (formerly CardPay) API is best for:
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.
- 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
Unlimit (formerly CardPay) API Core Features & Capabilities
Features Included
Not Supported
Unlimit (formerly CardPay) API Supported Webhook Events
Webhooks supported (Webhook Notifications). Check official documentation for endpoint setup.
Required Access Documents for Unlimit (formerly CardPay) API
- 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.
Different Unlimit (formerly CardPay) API 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.