ErcasPay API vs RoutePay Fintech API Comparison: Discover the best for Payment Gateways & Processors in Nigeria

ErcasPay API is best for: Nigerian businesses that want to accept both local NGN payments and international payments in USD, GBP, EUR, CAD, and 4 more currencies through a single PSSP-licensed, PCI DSS-certified gateway with transparent flat-rate pricing.. Meanwhile, RoutePay Fintech API is best for: Nigerian businesses needing an omnichannel CBN-licensed PSSP covering web, mobile, POS, ATM, and USSD payments plus access to merchant micro-loans through Routelink MFB for businesses that want embedded credit facilities alongside their payment infrastructure.. Your choice should align with whether your team prioritizes ErcasPay API's developer ecosystem or RoutePay Fintech API's specific capability set.

ErcasPay API provides a dedicated sandbox testing environment and has webhook status unverified. RoutePay Fintech API offers sandbox testing and has webhook status unverified.

ErcasPay API pricing: Local transactions (cards, bank transfer, QR, USSD): 1.4% capped at ₦2,000. International cards: 4.8% per transaction. 10% rolling reserve on international card transactions held 180 days (refundable if no chargebacks). No monthly fee.. RoutePay Fintech API pricing: No monthly maintenance fees. Minimal industry-standard per-transaction fees applied with full transparency. Specific fee percentages not publicly listed contact RoutePay sales (sales@routepay.com) for merchant pricing. Micro-loan fees governed separately by Routelink MFB terms.. Both platforms offer tailored pricing structures for Nigerian transactions.

ErcasPay API uses Bearer Token (Secret Key from ErcasPay Dashboard, prefix: ECRS-TEST-SK for test) authentication with Not publicly specified. RoutePay Fintech API uses API Key credentials issued after merchant KYC; contact developer.routepay.com or sales@routepay.com for API access authentication with Not publicly documented.