Detailed technical benchmark and comparison between SeerBit API and Zone (formerly AppZone) API. Analyze pricing structures, verified webhooks, sandbox testing, authentication, and compliance for teams building in Nigeria.
Accept card & bank transfer payments with local acquiring across 10+ African markets
Process ATM, POS & web/in-app payments through a blockchain-based switch
SeerBit API is best for nigerian businesses and African platforms needing a multi-country payment gateway with local acquiring in 10+ African markets accepting card, bank transfer, USSD, and mobile money across Nigeria and anglophone/francophone Africa in one integration.
Zone (formerly AppZone) API is best for nigerian banks, fintechs, and infrastructure developers that need a CBN-licensed blockchain payment switch to process ATM withdrawals, POS, web/in-app payments, and cross-border remittances the only blockchain-powered payment switch licensed by the CBN in Africa.
| Highlight | S SeerBit API | Z Zone (formerly AppZone) API |
|---|---|---|
| Authentication | Bearer Token (Public Key for client-side, Secret Key for server-side) | API Key / OAuth (via Zone developer portal) |
| Rate Limit | Not publicly specified | Enterprise SLA specific limits negotiated per integration |
| Sandbox Mode | ✓ Available | ✓ Available |
| Webhooks | ✗ Not supported | ✗ Not 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 PaymentsVirtual Account Numbers |
| Supported Regions |
| Fee Component | S SeerBit API | Z Zone (formerly AppZone) API |
|---|---|---|
| Local Transactions / Cards | Local transactions:1.5% capped at ₦2,000 | Contact provider |
| International / FX Cards | International:3.8% per transaction | Contact provider |
| Setup & Monthly Fees | No setup fee | Contact provider |
| Rates & Additional Terms | 24-hour settlement |
|
| Feature / Capability | S SeerBit API | Z Zone (formerly AppZone) 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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