Build Studio NG

Zainpay (Betastack) API

Payment Gateways & Processors · Banking & Fintech

Zainpay is an African financial technology infrastructure platform created by Betastack to simplify payment collections, reconciliation, and automated settlements for businesses. Zainpay provides high-performance APIs for generating dedicated and dynamic virtual bank accounts, validating payments, and managing complex multi-party split settlements.

Zainpay (Betastack) API Highlights

Zainpay (Betastack) API is verified for developer integrations in Nigeria and across African markets, providing documented endpoints, sandbox testing, and developer support.

Authentication

API Key (Bearer Token: zpk_live_...)

Rate Limit

100 requests per minute

Sandbox Mode

✓ Available

Webhooks

✓ Supported

Supported Regions

Nigeria

Ghana

Kenya

Zainpay (Betastack) API Services

Virtual Account NumbersBank Transfer / Pay by TransferIdentity Verification & KYCWebhooks & Real-time Notifications

Alternative African Company to

Stripe PayPal Adyen Checkout.com

Zainpay (Betastack) API is best for:

Online marketplaces, digital platforms, cooperative groups, and ERP software needing dedicated virtual accounts and automated split payouts.

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API Pricing Model

Virtual account creation is free
Collections:1.2% 1.5% capped at ₦1,500
Outward bank transfers:₦25 flat fee
Volume discounts available for platforms

Zainpay (Betastack) API Core Features & Capabilities

Features Included

Virtual Account Numbers Bank Transfer / Pay by Transfer Identity Verification & KYC Webhooks & Real-time Notifications Payouts & Disbursements

Zainpay (Betastack) API Supported Webhook Events

Webhooks supported (Webhooks & Real-time Notifications). Check official documentation for endpoint setup.

Required Access Documents for Zainpay (Betastack) API

CAC CertificateRequired
Nigerian business registration documents.
Settlement Bank AccountRequired
Corporate bank account in business name for automated settlements.

Different Zainpay (Betastack) API use cases

Marketplace Multi-Party Settlement:Collect customer orders via virtual accounts and automatically split payments between vendor, delivery partner, and platform commissions.
Automated Wallet Funding:Provide permanent virtual bank account numbers for users to fund their digital wallets via standard mobile banking transfers.