eTranzact API vs Unlimit (formerly CardPay) API Comparison: Discover the best for Payment Gateways & Processors in Nigeria
Detailed technical benchmark and comparison between eTranzact API and Unlimit (formerly CardPay) API. Analyze pricing structures, verified webhooks, sandbox testing, authentication, and compliance for teams building in Nigeria.
eTranzact API
Power payment infrastructure for banks, government agencies & telcos
Unlimit (formerly CardPay) API
Accept international payments for e-commerce, gaming & travel platforms
eTranzact API is best for large Nigerian enterprises, banks, financial institutions, government agencies, and telcos that need a proven, publicly-listed payment infrastructure partner for bill payments, virtual accounts, instant transfers, e-invoicing, and wallet-as-a-service.
Unlimit (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.
eTranzact API VS Unlimit (formerly CardPay) API Key Highlights
| Highlight | e eTranzact API | U Unlimit (formerly CardPay) API |
|---|---|---|
| Authentication | API Key (from eTranzact developer portal) | 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 specified | Not publicly documented enterprise SLA-based |
| Sandbox Mode | ✓ Available | ✓ Available |
| Webhooks | ✗ Not supported | ✓ Supported |
| API Services | Card Payments (Visa / Mastercard / Verve)Bank Transfer / Pay by TransferUSSD PaymentsVirtual Account Numbers | Card Payments (Visa / Mastercard / Verve)Bank Transfer / Pay by TransferUSSD PaymentsInternational / Multi-Currency Payments |
| Supported Regions |  Nigeria Ghana Kenya | NigeriaGhanaKenya |
Pricing & Fee Structure
| Fee Component | e eTranzact API | U Unlimit (formerly CardPay) API |
|---|---|---|
| Free Tier / Trial Credits | Contact provider | No publicly listed free tier |
| Rates & Additional Terms |
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eTranzact API & Unlimit (formerly CardPay) API Feature by Feature Comparison
| Feature / Capability | e eTranzact API | U Unlimit (formerly CardPay) API |
|---|---|---|
| Card Payments (Verve/Visa/Mastercard) | ✓ | ✓ |
| Bank Transfer / Pay by Transfer | ✓ | ✓ |
| USSD Payments | ✓ | ✓ |
| Virtual Accounts | ✓ | ✗ |
| International / Multi-Currency Payments | ✓ | ✓ |
| Recurring Billing / Subscriptions | ✗ | ✓ |
| Payment Links & Hosted Checkout | ✓ | ✓ |
| Webhooks & Event Notifications | ✗ | ✓ |
| Sandbox Testing Environment | ✓ | ✓ |
| API Key / Token Authentication | ✓ | ✓ |
Frequently Asked Questions
Which is better between eTranzact API and Unlimit (formerly CardPay) API in Nigeria?
Does eTranzact API or Unlimit (formerly CardPay) API support webhooks and sandbox testing?
What are the fees and pricing models for eTranzact API vs Unlimit (formerly CardPay) API?
What authentication methods do eTranzact API and Unlimit (formerly CardPay) API use?
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