Detailed technical benchmark and comparison between SPay Business Solutions API and RexPay (Global Accelerex) API. Analyze pricing structures, verified webhooks, sandbox testing, authentication, and compliance for teams building in Nigeria.
Accept online card & bank payments without complex setup
Accept card, internet banking transfer & USSD payments via a CBN-certified gateway
SPay Business Solutions API is best for nigerian SMEs, freelancers, online businesses, and service providers needing a straightforward payment gateway for accepting online card payments, bank transfers via virtual accounts (First Bank), and recurring subscription billing without complex integration overhead.
RexPay (Global Accelerex) API is best for nigerian businesses and developers needing a CBN-certified PSSP and PTSP payment gateway with card, internet banking transfer, and USSD backed by Global Accelerex, one of Nigeria's established e-payment infrastructure companies.
| Highlight | S SPay Business Solutions API | R RexPay (Global Accelerex) API |
|---|---|---|
| Authentication | API Key merchants receive API credentials after completing KYC/onboarding on the SPay dashboard | API Key (from RexPay merchant dashboard) |
| Rate Limit | Not publicly documented | Not publicly specified |
| Sandbox Mode | ✓ Available | ✓ Available |
| Webhooks | ✓ 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 SPay Business Solutions API | R RexPay (Global Accelerex) API |
|---|---|---|
| Setup & Monthly Fees | No publicly advertised monthly subscription fee | No mandatory monthly platform fee |
| Rates & Additional Terms |
|
|
| Feature / Capability | S SPay Business Solutions API | R RexPay (Global Accelerex) 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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