Detailed technical benchmark and comparison between RoutePay Fintech API and Ceviant Payments API. Analyze pricing structures, verified webhooks, sandbox testing, authentication, and compliance for teams building in Nigeria.
Accept web, mobile, POS, ATM & USSD payments plus merchant micro-loans
Process payments through infrastructure licensed in both Nigeria and the UK
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.
Ceviant Payments API is best for enterprise businesses, fintechs, and financial institutions in Nigeria and the UK needing CBN PSSP-licensed and FCA-registered payment infrastructure with direct bank API connectivity in emerging markets.
| Highlight | R RoutePay Fintech API | C Ceviant Payments API |
|---|---|---|
| Authentication | API Key credentials issued after merchant KYC; contact developer.routepay.com or sales@routepay.com for API access | API Key (contact Ceviant for developer access) |
| Rate Limit | Not publicly documented | Not publicly specified enterprise SLA |
| Sandbox Mode | ✓ Available | ✓ Available |
| Webhooks | ✗ Not supported | ✗ Not supported |
| API Services | Card Payments (Visa / Mastercard / Verve)Bank Transfer / Pay by TransferUSSD PaymentsInternational / Multi-Currency Payments | Card Payments (Visa / Mastercard / Verve)Bank Transfer / Pay by TransferUSSD PaymentsInternational / Multi-Currency Payments |
| Supported Regions |
| Fee Component | R RoutePay Fintech API | C Ceviant Payments API |
|---|---|---|
| Setup & Monthly Fees | No monthly maintenance fees | Contact provider |
| Rates & Additional Terms |
|
|
| Feature / Capability | R RoutePay Fintech API | C Ceviant Payments 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 | ✓ | ✓ |
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