Unlimit (formerly CardPay) API vs Squad API Comparison: Discover the best for Payment Gateways & Processors in Nigeria

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.. Meanwhile, Squad API is best for: Nigerian developers and businesses that want a GTBank-backed payment gateway with lower fee caps than competitors gateway capped at ₦1,500, virtual accounts capped at ₦1,000 with full developer API, subscription billing, and BVN verification.. Your choice should align with whether your team prioritizes Unlimit (formerly CardPay) API's developer ecosystem or Squad API's specific capability set.

Unlimit (formerly CardPay) API provides a dedicated sandbox testing environment and supports real-time webhooks. Squad API offers sandbox testing and has webhook status unverified.

Unlimit (formerly CardPay) API pricing: Custom enterprise pricing not publicly listed. Based on volume, payment methods, and regions. Contact Unlimit sales for a merchant pricing quote. No publicly listed free tier.. Squad API pricing: Gateway (card/USSD/bank transfer): capped at ₦1,500. Virtual accounts: capped at ₦1,000. Payment links: 1% local, 3.5% international. No setup fees, no hidden charges.. Both platforms offer tailored pricing structures for Nigerian transactions.

Unlimit (formerly CardPay) API uses Terminal credentials (Terminal Code + Password) + SHA-512 signature server-to-server authentication for API gateway mode; OAuth 2.0 for some endpoints authentication with Not publicly documented enterprise SLA-based. Squad API uses Bearer Token (Secret Key from Squad Dashboard) authentication with Not publicly specified.