Zone (formerly AppZone) API vs GT Pay (GTPay) API Comparison: Discover the best for Payment Gateways & Processors in Nigeria

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.. Meanwhile, GT Pay (GTPay) API is best for: Existing GTBank business customers and Nigerian e-commerce platforms that need a legacy payment gateway backed by Guaranty Trust Bank for accepting Verve, Visa, and Mastercard payments both locally and internationally.. Your choice should align with whether your team prioritizes Zone (formerly AppZone) API's developer ecosystem or GT Pay (GTPay) API's specific capability set.

Zone (formerly AppZone) API provides a dedicated sandbox testing environment and has webhook status unverified. GT Pay (GTPay) API offers sandbox testing and has webhook status unverified.

Zone (formerly AppZone) API pricing: Transaction-based pricing for switching and processing. Rates negotiated with partner banks and fintechs. Contact Zone for enterprise pricing.. GT Pay (GTPay) API pricing: Local card transactions: 1.5% capped at ₦2,000. Contact GTBank for full fee schedule. Merchant ID registration required at any GTBank branch.. Both platforms offer tailored pricing structures for Nigerian transactions.

Zone (formerly AppZone) API uses API Key / OAuth (via Zone developer portal) authentication with Enterprise SLA specific limits negotiated per integration. GT Pay (GTPay) API uses Merchant ID + Hash Key (obtained from GTBank branch) authentication with Not publicly specified.