VelvPay API
Payments · Banking & Fintech · Nigeria
VelvPay is a Nigerian payment gateway built specifically for local businesses, freelancers, SMEs, and startups that need an affordable, easy-to-integrate payment solution without the complexity or pricing overhead of larger platforms. Positioned as "a rising star" in Nigeria's fintech ecosystem, VelvPay differentiates itself through transparent flat-rate pricing, same-day settlement, built-in invoicing tools, and a local-first approach to customer support that understands the specific needs of Nigerian merchants.
VelvPay API Highlights
VelvPay API is verified for developer integrations in Nigeria and across African markets, providing documented endpoints, sandbox testing, and developer support.
API Key issued after merchant onboarding; passed as Bearer token or in request headers
Not publicly documented
Nigeria
Ghana
KenyaVelvPay API is best for:
Nigerian SMEs, freelancers, service-based businesses, and startups that want a simple, affordable payment gateway with local customer support, 1% transaction fees, built-in invoicing, and multi-channel payment acceptance (web, mobile, and in-person).
- Local transactions:1% per transaction with no hidden charges
- International transactions:flexible rate (contact VelvPay for exact fees)
- Same-day settlement available
- No publicly listed monthly subscription fee
VelvPay API Core Features & Capabilities
Features Included
Not Supported
VelvPay API Supported Webhook Events
Webhooks supported (Webhook Notifications). Check official documentation for endpoint setup.
Required Access Documents for VelvPay API
- CAC Registration CertificateRequiredCertificate of Incorporation or Business Name Registration for merchant KYC verification to activate live payment processing.
- Director Government IDRequiredValid government-issued ID (International passport, driver's licence, or NIN) for business owner or director identity verification.
- Business Bank AccountRequiredActive Nigerian bank account in the business name for settlement of collected payments.
- Sandbox / Test AccountOptionalTest credentials can be obtained without documents for development and integration testing before going live.
Different VelvPay API use cases
- Freelancer & Agency Invoicing:Nigerian freelancers (designers, developers, writers) use VelvPay's invoicing tools to generate professional invoices with a built-in payment link clients pay via card or bank transfer, with proceeds settled same-day to the freelancer's account.
- E-commerce Checkout:Nigerian online stores integrate VelvPay's payment API to accept card and bank transfer payments from customers at a flat 1% fee keeping more revenue compared to percentage-based gateways with higher rates.
- In-person Business Payments:Retail shops, market vendors, and service businesses in Nigeria use VelvPay's in-person payment support to collect payments via card or QR code at the point of sale without traditional POS hardware costs.
- Mobile App Payment Integration:Nigerian mobile app developers integrate VelvPay's API for in-app payment acceptance on iOS and Android supporting cards and bank transfers for local NGN transactions with a single SDK.
- Service Business Booking & Deposits:Nigerian event planners, salons, tutors, and logistics companies use VelvPay payment links to collect booking deposits and service fees from customers over WhatsApp or SMS no website required.