50 Best APIs for API in Nigeria

We've analyzed and compared the top 50 API providers supporting API for Nigerian developers and businesses. Find the right infrastructure fit for your startup below.

Written by Editorial Staffs as at 5th August, 2026

All APIs with API

5 of 50 selected

Ceviant Payments

Pricing
Enterprise pricing — not publicly listed. Ceviant targets enterprise clients with custom contracts. Contact Ceviant for pricing.
Domestic Payment Processing
Available
Multi-Channel Payments
Available
Bank API Connectivity
Available
Enterprise Payment Automation
Available
PCI-DSS Compliance
Available
Webhooks
Available
USSD Payments
Not available
Crypto Payments
Not available
Consumer Checkout Widget
Not available
Free Tier
Not available
Money Transfers (Bank Account)
Not available
Money Transfers (Paga Account)
Not available
Airtime/Data Purchase
Not available
Utility Bill Payments
Not available
Bulk Transfers (up to 300)
Not available
Direct Debit / Mandate
Not available
Merchant Payments
Not available
Transaction History
Not available
Account Balance Check
Not available
Card Payments via Checkout
Not available
International Cross-Border Payouts
Not available
Virtual Accounts
Not available
Local Deposits (Nigeria)
Not available
Local Withdrawals (Nigeria)
Not available
Automatic Failover Infrastructure
Not available
24/7 Live Human Support
Not available
Transaction Monitoring
Not available
Settlement Controls
Not available
Regulatory Reporting
Not available
Uganda Market Support
Not available
Consumer E-commerce Checkout
Not available
Cash Collections via Agents
Not available
Mobile Money Collections
Not available
Bank Transfer Collections
Not available
Card Collections
Not available
Disbursements to Wallets
Not available
Disbursements to Bank Accounts
Not available
Bill Payments (248 billers)
Not available
Cross-Border (PAPSS/Ghana)
Not available
Online Checkout Widget
Not available
Split Payments
Not available
Card Payments
Not available
Bank Transfer Checkout
Not available
Mobile Money
Not available
Direct Debit
Not available
Cash Collections
Not available
International Cards
Not available
Multi-Country African Acquiring
Not available
Card Payments (Visa, Mastercard, Verve)
Not available
Instant Account Transfers
Not available
Digital Wallet Payments
Not available
Multi-currency Processing
Not available
Custom Payment Page Design
Not available
AI-driven Analytics
Not available
Intelligent Payment Routing
Not available
Webhook Notifications
Not available
Real-time Reporting Dashboard
Not available
PCI DSS Compliant
Not available
Government Collections (IPPIS/GIFMIS)
Not available
Multi-Bank Collections via RRR
Not available
Agency Banking
Not available
Bulk Disbursements
Not available
Airtime/Data/Electricity Vending
Not available
Direct Debit Mandates
Not available
School Fees Collections
Not available
Tax / Levy Collections
Not available
ATM Transaction Processing
Not available
POS Payment Processing
Not available
Web / In-App Payments
Not available
Funds Transfers (Account-to-Account)
Not available
Cash Withdrawals at Agents
Not available
Cross-Border Remittances
Not available
Blockchain Settlement Layer
Not available
Consumer-Facing App
Not available
Bulk Payments (500+ recipients)
Not available
Local Card Payments
Not available
International Card Payments
Not available
FX / Multi-Currency Payments
Not available
Expense Management
Not available
Auto Reconciliation
Not available
NRS E-Invoicing
Not available
South Africa (Ozow EFT)
Not available
Card Issuance
Not available
Crypto Payment Acceptance
Not available
Crypto-to-NGN Off-Ramp
Not available
NGN-to-Crypto On-Ramp
Not available
Multi-Currency Treasury
Not available
Stablecoin Holdings
Not available
Wallet API
Not available
Corporate Card Issuance
Not available
Pan-African Corridors
Not available
Card Payment Acceptance
Not available
NGN Bank Transfer In (Direct)
Not available
Card Payment Acceptance (Debit/Credit)
Not available
Bank Transfer Acceptance
Not available
USSD Payment Processing
Not available
QR Code Payments
Not available
POS Terminal Support
Not available
Payment Link Generation
Not available
Bill Payments (Airtime, Electricity, TV, Internet)
Not available
Bulk Payouts
Not available
Merchant Dashboard & Reporting
Not available
Micro-loan Access via Routelink MFB
Not available
Government / Institutional Payments
Not available
Tiered KYC System
Not available
Fraud Monitoring & 2FA
Not available
International Card / Multi-currency
Not available
Subscription / Recurring Billing API
Not available
Virtual Account Issuance (Fixed)
Not available
Virtual Account Issuance (Collection)
Not available
Bank Transfers (NIP)
Not available
Bulk Transfers
Not available
Airtime/Data Bills Payment
Not available
Electricity Bills Payment
Not available
Cable TV Subscription Payment
Not available
Dashboard Management
Not available
International Transfers
Not available
FX Conversion
Not available
Invoicing Tools
Not available
Same-day Settlement
Not available
Web Checkout Integration
Not available
Mobile Payment Support
Not available
In-person / POS Payments
Not available
International Card Acceptance
Not available
Developer API Access
Not available
Recurring / Subscription Billing
Not available
Bulk Payouts API
Not available
Card Payments (Verve/Visa/Mastercard)
Not available
Airtime Vending
Not available
3,000+ Biller Payments
Not available
Instant Bank Transfers (NIP)
Not available
Hosted Fields (PCI-DSS card capture)
Not available
Mobile SDKs
Not available
Recurring Billing
Not available
Card Payment Acceptance (1,000+ methods)
Not available
Multi-currency Processing (150+ currencies)
Not available
Nigeria Local Payment Methods
Not available
3D Secure Authentication
Not available
Payment Page Mode (hosted)
Not available
Gateway Mode (server-to-server)
Not available
Instant Payouts
Not available
Crypto On/Off-ramp
Not available
BaaS / White-label Card Issuing
Not available
Multi-currency Business Accounts
Not available
Self-serve Merchant Onboarding
Not available
Published Flat-rate Pricing
Not available
Card Payments (Local)
Not available
Payment Links
Not available
Invoicing
Not available
Multi-Currency (8 currencies)
Not available
SMS OTP to Nigerian Networks
Not available
DND Bypass for Transactional SMS
Not available
WhatsApp OTP
Not available
Email OTP
Not available
Bulk Promotional SMS
Not available
In-App Notification
Not available
Token (OTP) Management API
Not available
Delivery Analytics
Not available
Voice OTP
Not available
USSD
Not available
Nigerian Debit Card Acceptance
Not available
Visa/Mastercard Acceptance
Not available
CashEnvoy Wallet Payments
Not available
NGN Transactions
Not available
USD Transactions
Not available
Developer API
Not available
Online Card Payment Acceptance
Not available
Virtual Account Creation (First Bank)
Not available
Subscription / Recurring Billing
Not available
Merchant KYC Onboarding
Not available
Test Payment / Sandbox Mode
Not available
Bulk Payouts / Transfers
Not available
International Card Acceptance (non-NGN)
Not available
POS Terminal Integration
Not available
BVN Verification
Not available
NIN Verification
Not available
Easy Lookup (Phone/BVN → Identity)
Not available
Facial Recognition + Liveness Detection
Not available
Government ID Document Scan & Verify
Not available
CAC Company Verification (KYB)
Not available
Digital Address Verification
Not available
AML / Fraud Prevention (Identity Hub)
Not available
Bank Account Name Verification
Not available
Telecoms / Phone Data Lookup
Not available
Free Sandbox Environment
Not available
Pan-African Coverage (beyond Nigeria)
Not available
International Passport Verification
Not available
BVN Resolution
Not available
Bank Account Verification
Not available
Card BIN Resolution
Not available
Sandbox Environment
Not available
Passport Verification
Not available
Driver's Licence Verification
Not available
Liveness Detection
Not available
Business (CAC) Verification
Not available
BVN–NIN Harmonization Check
Not available
Resident Permit Verification
Not available
Business / Company Verification (KYB)
Not available
AML / Sanctions Screening
Not available
Liveness Detection (Deepfake Resistant)
Not available
Cross-region Routing (Africa + Europe)
Not available
Merchant Verification for Marketplaces
Not available
Unified Compliance Case Record
Not available
Free Sandbox
Not available
Document Verification
Not available
Biometric Face Match
Not available
AML & PEP Screening
Not available
Ongoing Identity Monitoring
Not available
Database Cross-Check
Not available
Web SDK
Not available
iOS & Android SDK
Not available
No-Code Session Builder
Not available
KYB (Business Verification)
Not available
Nigerian BVN Lookup
Not available
Government ID Document Verification
Not available
Selfie Liveness Detection
Not available
Nigerian Database Verification (NIN/BVN)
Not available
Phone & Email Verification
Not available
AML & Sanctions Screening
Not available
No-Code Workflow Builder
Not available
Adverse Media Screening
Not available
Ongoing Monitoring
Not available
Travel Rule Compliance
Not available
MTN Delivery
Not available
Airtel Delivery
Not available
Glo Delivery
Not available
9mobile Delivery
Not available
Custom Sender ID
Not available
DND Handling
Not available
API
Not available
Delivery Reports
Not available
WhatsApp
Not available
Voice
Not available
Mock Endpoint Creation
Not available
Custom Response Rules
Not available
Real-time Request Inspector
Not available
Webhook Testing
Not available
Request Body Capture
Not available
Conditional Logic
Not available
API Proxy Mode
Not available
No Registration (Basic)
Not available
Watchlist & AML Screening
Not available
No-Code Workflow Builder (Studio)
Not available
Database Cross-Checks
Not available
Self-Serve Signup
Not available
Posts Resource
Not available
Users Resource
Not available
Comments Resource
Not available
Albums Resource
Not available
Photos Resource
Not available
Todos Resource
Not available
All HTTP Methods
Not available
No Auth Required
Not available
User Registration
Not available
Login (Returns Token)
Not available
User List (Paginated)
Not available
Single User Fetch
Not available
User Create/Update/Delete
Not available
Delayed Responses
Not available
REST API
Not available
Active Liveness Detection
Not available
Deepfake & Spoofing Prevention
Not available
KYX Orchestration Platform
Not available
Public Per-Check Pricing
Not available
Nigerian BVN Verification
Not available
BVN Verification (Nigeria)
Not available
NIN Verification (Nigeria)
Not available
vNIN (Virtual NIN)
Not available
Phone Number Verification (Nigeria)
Not available
CAC Business Verification
Not available
Ghana SSNIT / Voters / Passport
Not available
Kenya National ID / Tax PIN
Not available
South Africa ID (SAID)
Not available
Document Capture / OCR
Not available
Face Match
Not available
Bank Account Linking (Connect Widget)
Not available
Transaction History Access
Not available
Income & Balance Verification
Not available
Bank Statement Retrieval
Not available
DirectPay (Direct Bank Debit)
Not available
Direct Debit (Recurring)
Not available
Identity Verification (BVN/NIN)
Not available
Business/CAC Verification
Not available
BVN Verification (Basic + Advanced)
Not available
Virtual NIN (vNIN) Verification
Not available
BVN + NIN + Phone in One API Call
Not available
FRSC Driver's License Verification
Not available
Vehicle Plate Number Verification
Not available
Stamp Duty Verification
Not available
Address Verification
Not available
Facial Recognition / Liveness Detection
Not available
AML / Sanctions Screening (RadarR)
Not available
Pan-African ID Verification (7 countries)
Not available
Device Intelligence & Fraud Detection
Not available
Real-time Bank Account Validation
Not available
Multi-Bank Virtual Accounts
Not available
Payouts to Bank Accounts
Not available
e-Commerce Plugin
Not available
International Cross-Border
Not available
Full-Page Screenshot
Not available
Element Selector Capture
Not available
Custom Viewport
Not available
JavaScript Rendering
Not available
Delay Parameter
Not available
Fresh Capture Mode
Not available
PNG Output
Not available
JPEG Output
Not available
Seasonal Forecasts
Not available
Agricultural Climate Data
Not available
Nigeria Coverage
Not available
Africa-Tailored Data
Not available
API Access
Not available
Real-time rates
Not available
Historical rates
Not available
Crypto rates
Not available
Currency conversion
Not available
NGN support
Not available
Historical climate data
Not available
Seasonal forecasting
Not available
Drought risk indicators
Not available
Rainfall analysis
Not available
Temperature trends
Not available
Card Payments (3DS & Non-3DS)
Not available
OPay Wallet QR Payment
Not available
Bank Account Direct Debit
Not available
Hosted Express Checkout
Not available
Refund API
Not available
WooCommerce Plugin
Not available
Card Payments (3DS + 2FA)
Not available
Internet Banking Transfers
Not available
Subscription Billing
Not available
Bill Payments API (SwitchIT)
Not available
Virtual Account Service
Not available
Instant Transfer
Not available
Wallet-as-a-Service (WaaS)
Not available
e-Invoicing API
Not available
Loan Mandate & Repayment (AntPeer)
Not available
IMTO Cross-Border Remittance
Not available
ePAPSS Pan-African Payments
Not available
Wallet Balance & Transactions
Not available
Virtual Account Generation
Not available
Merchant Onboarding API
Not available
Payment Links & Checkout
Not available
Payouts / Transfers
Not available
BVN / NIN Verification
Not available
Cash Collection
Not available
Refunds API
Not available
International Payments
Not available
NIN Verification (NIMC)
Not available
Virtual NIN (vNIN)
Not available
BVN Verification (NIBSS)
Not available
Voter ID Verification (INEC)
Not available
FRSC Driver's License
Not available
International Passport
Not available
Phone Number Verification
Not available
SmartSelfie Biometric Authentication
Not available
Document OCR + Verification
Not available
Liveness Detection (ISO 30107-3 L2)
Not available
Business Verification KYB
Not available
AML Screening
Not available
52-country African Coverage
Not available
9 Nigerian Government Databases
Not available
Crypto Buy/Sell (BTC, ETH, USDT, USDC)
Not available
Stablecoin Payment Acceptance
Not available
Instant NGN Settlement
Not available
Crypto Wallet Integration
Not available
Webhooks / Real-time Notifications
Not available
Multi-region High Availability
Not available
DeFi Protocol Integration (Lisk)
Not available
Fiat Card Payments
Not available
Virtual Accounts (Multi-Currency)
Not available
Direct Debit / Recurring
Not available
M-Pesa / Mobile Money
Not available
PayAttitude
Not available
Cross-Border Payments
Not available
Local Card Payments (Verve/Visa/Mastercard)
Not available
Transaction Dashboard
Not available
Merchant Report Export
Not available
One-Time Payments
Not available
Payload Tokenization
Not available
Customer Management
Not available
Address Verification Service (AVS)
Not available
Agent/Merchant Boarding API
Not available
Reporting API
Not available
Java SDK
Not available
C# / .NET SDK
Not available
FX / Multi-Currency
Not available
View Details

Paga

Pricing
P2P transfers, airtime/data purchases, and loading Paga account: free. Paga to bank transfer: 1.5% of transfer amount (card-funded). Minimum fee ₦10. Custom enterprise pricing available for API partners.
Domestic Payment Processing
Not available
Multi-Channel Payments
Not available
Bank API Connectivity
Not available
Enterprise Payment Automation
Not available
PCI-DSS Compliance
Not available
Webhooks
Not available
USSD Payments
Not available
Crypto Payments
Not available
Consumer Checkout Widget
Not available
Free Tier
Not available
Money Transfers (Bank Account)
Available
Money Transfers (Paga Account)
Available
Airtime/Data Purchase
Available
Utility Bill Payments
Available
Bulk Transfers (up to 300)
Available
Direct Debit / Mandate
Available
Merchant Payments
Available
Transaction History
Available
Account Balance Check
Available
Card Payments via Checkout
Not available
International Cross-Border Payouts
Not available
Virtual Accounts
Not available
Local Deposits (Nigeria)
Not available
Local Withdrawals (Nigeria)
Not available
Automatic Failover Infrastructure
Not available
24/7 Live Human Support
Not available
Transaction Monitoring
Not available
Settlement Controls
Not available
Regulatory Reporting
Not available
Uganda Market Support
Not available
Consumer E-commerce Checkout
Not available
Cash Collections via Agents
Not available
Mobile Money Collections
Not available
Bank Transfer Collections
Not available
Card Collections
Not available
Disbursements to Wallets
Not available
Disbursements to Bank Accounts
Not available
Bill Payments (248 billers)
Not available
Cross-Border (PAPSS/Ghana)
Not available
Online Checkout Widget
Not available
Split Payments
Not available
Card Payments
Not available
Bank Transfer Checkout
Not available
Mobile Money
Not available
Direct Debit
Not available
Cash Collections
Not available
International Cards
Not available
Multi-Country African Acquiring
Not available
Card Payments (Visa, Mastercard, Verve)
Not available
Instant Account Transfers
Not available
Digital Wallet Payments
Not available
Multi-currency Processing
Not available
Custom Payment Page Design
Not available
AI-driven Analytics
Not available
Intelligent Payment Routing
Not available
Webhook Notifications
Not available
Real-time Reporting Dashboard
Not available
PCI DSS Compliant
Not available
Government Collections (IPPIS/GIFMIS)
Not available
Multi-Bank Collections via RRR
Not available
Agency Banking
Not available
Bulk Disbursements
Not available
Airtime/Data/Electricity Vending
Not available
Direct Debit Mandates
Not available
School Fees Collections
Not available
Tax / Levy Collections
Not available
ATM Transaction Processing
Not available
POS Payment Processing
Not available
Web / In-App Payments
Not available
Funds Transfers (Account-to-Account)
Not available
Cash Withdrawals at Agents
Not available
Cross-Border Remittances
Not available
Blockchain Settlement Layer
Not available
Consumer-Facing App
Not available
Bulk Payments (500+ recipients)
Not available
Local Card Payments
Not available
International Card Payments
Not available
FX / Multi-Currency Payments
Not available
Expense Management
Not available
Auto Reconciliation
Not available
NRS E-Invoicing
Not available
South Africa (Ozow EFT)
Not available
Card Issuance
Not available
Crypto Payment Acceptance
Not available
Crypto-to-NGN Off-Ramp
Not available
NGN-to-Crypto On-Ramp
Not available
Multi-Currency Treasury
Not available
Stablecoin Holdings
Not available
Wallet API
Not available
Corporate Card Issuance
Not available
Pan-African Corridors
Not available
Card Payment Acceptance
Not available
NGN Bank Transfer In (Direct)
Not available
Card Payment Acceptance (Debit/Credit)
Not available
Bank Transfer Acceptance
Not available
USSD Payment Processing
Not available
QR Code Payments
Not available
POS Terminal Support
Not available
Payment Link Generation
Not available
Bill Payments (Airtime, Electricity, TV, Internet)
Not available
Bulk Payouts
Not available
Merchant Dashboard & Reporting
Not available
Micro-loan Access via Routelink MFB
Not available
Government / Institutional Payments
Not available
Tiered KYC System
Not available
Fraud Monitoring & 2FA
Not available
International Card / Multi-currency
Not available
Subscription / Recurring Billing API
Not available
Virtual Account Issuance (Fixed)
Not available
Virtual Account Issuance (Collection)
Not available
Bank Transfers (NIP)
Not available
Bulk Transfers
Not available
Airtime/Data Bills Payment
Not available
Electricity Bills Payment
Not available
Cable TV Subscription Payment
Not available
Dashboard Management
Not available
International Transfers
Not available
FX Conversion
Not available
Invoicing Tools
Not available
Same-day Settlement
Not available
Web Checkout Integration
Not available
Mobile Payment Support
Not available
In-person / POS Payments
Not available
International Card Acceptance
Not available
Developer API Access
Not available
Recurring / Subscription Billing
Not available
Bulk Payouts API
Not available
Card Payments (Verve/Visa/Mastercard)
Not available
Airtime Vending
Not available
3,000+ Biller Payments
Not available
Instant Bank Transfers (NIP)
Not available
Hosted Fields (PCI-DSS card capture)
Not available
Mobile SDKs
Not available
Recurring Billing
Not available
Card Payment Acceptance (1,000+ methods)
Not available
Multi-currency Processing (150+ currencies)
Not available
Nigeria Local Payment Methods
Not available
3D Secure Authentication
Not available
Payment Page Mode (hosted)
Not available
Gateway Mode (server-to-server)
Not available
Instant Payouts
Not available
Crypto On/Off-ramp
Not available
BaaS / White-label Card Issuing
Not available
Multi-currency Business Accounts
Not available
Self-serve Merchant Onboarding
Not available
Published Flat-rate Pricing
Not available
Card Payments (Local)
Not available
Payment Links
Not available
Invoicing
Not available
Multi-Currency (8 currencies)
Not available
SMS OTP to Nigerian Networks
Not available
DND Bypass for Transactional SMS
Not available
WhatsApp OTP
Not available
Email OTP
Not available
Bulk Promotional SMS
Not available
In-App Notification
Not available
Token (OTP) Management API
Not available
Delivery Analytics
Not available
Voice OTP
Not available
USSD
Not available
Nigerian Debit Card Acceptance
Not available
Visa/Mastercard Acceptance
Not available
CashEnvoy Wallet Payments
Not available
NGN Transactions
Not available
USD Transactions
Not available
Developer API
Not available
Online Card Payment Acceptance
Not available
Virtual Account Creation (First Bank)
Not available
Subscription / Recurring Billing
Not available
Merchant KYC Onboarding
Not available
Test Payment / Sandbox Mode
Not available
Bulk Payouts / Transfers
Not available
International Card Acceptance (non-NGN)
Not available
POS Terminal Integration
Not available
BVN Verification
Not available
NIN Verification
Not available
Easy Lookup (Phone/BVN → Identity)
Not available
Facial Recognition + Liveness Detection
Not available
Government ID Document Scan & Verify
Not available
CAC Company Verification (KYB)
Not available
Digital Address Verification
Not available
AML / Fraud Prevention (Identity Hub)
Not available
Bank Account Name Verification
Not available
Telecoms / Phone Data Lookup
Not available
Free Sandbox Environment
Not available
Pan-African Coverage (beyond Nigeria)
Not available
International Passport Verification
Not available
BVN Resolution
Not available
Bank Account Verification
Not available
Card BIN Resolution
Not available
Sandbox Environment
Not available
Passport Verification
Not available
Driver's Licence Verification
Not available
Liveness Detection
Not available
Business (CAC) Verification
Not available
BVN–NIN Harmonization Check
Not available
Resident Permit Verification
Not available
Business / Company Verification (KYB)
Not available
AML / Sanctions Screening
Not available
Liveness Detection (Deepfake Resistant)
Not available
Cross-region Routing (Africa + Europe)
Not available
Merchant Verification for Marketplaces
Not available
Unified Compliance Case Record
Not available
Free Sandbox
Not available
Document Verification
Not available
Biometric Face Match
Not available
AML & PEP Screening
Not available
Ongoing Identity Monitoring
Not available
Database Cross-Check
Not available
Web SDK
Not available
iOS & Android SDK
Not available
No-Code Session Builder
Not available
KYB (Business Verification)
Not available
Nigerian BVN Lookup
Not available
Government ID Document Verification
Not available
Selfie Liveness Detection
Not available
Nigerian Database Verification (NIN/BVN)
Not available
Phone & Email Verification
Not available
AML & Sanctions Screening
Not available
No-Code Workflow Builder
Not available
Adverse Media Screening
Not available
Ongoing Monitoring
Not available
Travel Rule Compliance
Not available
MTN Delivery
Not available
Airtel Delivery
Not available
Glo Delivery
Not available
9mobile Delivery
Not available
Custom Sender ID
Not available
DND Handling
Not available
API
Not available
Delivery Reports
Not available
WhatsApp
Not available
Voice
Not available
Mock Endpoint Creation
Not available
Custom Response Rules
Not available
Real-time Request Inspector
Not available
Webhook Testing
Not available
Request Body Capture
Not available
Conditional Logic
Not available
API Proxy Mode
Not available
No Registration (Basic)
Not available
Watchlist & AML Screening
Not available
No-Code Workflow Builder (Studio)
Not available
Database Cross-Checks
Not available
Self-Serve Signup
Not available
Posts Resource
Not available
Users Resource
Not available
Comments Resource
Not available
Albums Resource
Not available
Photos Resource
Not available
Todos Resource
Not available
All HTTP Methods
Not available
No Auth Required
Not available
User Registration
Not available
Login (Returns Token)
Not available
User List (Paginated)
Not available
Single User Fetch
Not available
User Create/Update/Delete
Not available
Delayed Responses
Not available
REST API
Not available
Active Liveness Detection
Not available
Deepfake & Spoofing Prevention
Not available
KYX Orchestration Platform
Not available
Public Per-Check Pricing
Not available
Nigerian BVN Verification
Not available
BVN Verification (Nigeria)
Not available
NIN Verification (Nigeria)
Not available
vNIN (Virtual NIN)
Not available
Phone Number Verification (Nigeria)
Not available
CAC Business Verification
Not available
Ghana SSNIT / Voters / Passport
Not available
Kenya National ID / Tax PIN
Not available
South Africa ID (SAID)
Not available
Document Capture / OCR
Not available
Face Match
Not available
Bank Account Linking (Connect Widget)
Not available
Transaction History Access
Not available
Income & Balance Verification
Not available
Bank Statement Retrieval
Not available
DirectPay (Direct Bank Debit)
Not available
Direct Debit (Recurring)
Not available
Identity Verification (BVN/NIN)
Not available
Business/CAC Verification
Not available
BVN Verification (Basic + Advanced)
Not available
Virtual NIN (vNIN) Verification
Not available
BVN + NIN + Phone in One API Call
Not available
FRSC Driver's License Verification
Not available
Vehicle Plate Number Verification
Not available
Stamp Duty Verification
Not available
Address Verification
Not available
Facial Recognition / Liveness Detection
Not available
AML / Sanctions Screening (RadarR)
Not available
Pan-African ID Verification (7 countries)
Not available
Device Intelligence & Fraud Detection
Not available
Real-time Bank Account Validation
Not available
Multi-Bank Virtual Accounts
Not available
Payouts to Bank Accounts
Not available
e-Commerce Plugin
Not available
International Cross-Border
Not available
Full-Page Screenshot
Not available
Element Selector Capture
Not available
Custom Viewport
Not available
JavaScript Rendering
Not available
Delay Parameter
Not available
Fresh Capture Mode
Not available
PNG Output
Not available
JPEG Output
Not available
Seasonal Forecasts
Not available
Agricultural Climate Data
Not available
Nigeria Coverage
Not available
Africa-Tailored Data
Not available
API Access
Not available
Real-time rates
Not available
Historical rates
Not available
Crypto rates
Not available
Currency conversion
Not available
NGN support
Not available
Historical climate data
Not available
Seasonal forecasting
Not available
Drought risk indicators
Not available
Rainfall analysis
Not available
Temperature trends
Not available
Card Payments (3DS & Non-3DS)
Not available
OPay Wallet QR Payment
Not available
Bank Account Direct Debit
Not available
Hosted Express Checkout
Not available
Refund API
Not available
WooCommerce Plugin
Not available
Card Payments (3DS + 2FA)
Not available
Internet Banking Transfers
Not available
Subscription Billing
Not available
Bill Payments API (SwitchIT)
Not available
Virtual Account Service
Not available
Instant Transfer
Not available
Wallet-as-a-Service (WaaS)
Not available
e-Invoicing API
Not available
Loan Mandate & Repayment (AntPeer)
Not available
IMTO Cross-Border Remittance
Not available
ePAPSS Pan-African Payments
Not available
Wallet Balance & Transactions
Not available
Virtual Account Generation
Not available
Merchant Onboarding API
Not available
Payment Links & Checkout
Not available
Payouts / Transfers
Not available
BVN / NIN Verification
Not available
Cash Collection
Not available
Refunds API
Not available
International Payments
Not available
NIN Verification (NIMC)
Not available
Virtual NIN (vNIN)
Not available
BVN Verification (NIBSS)
Not available
Voter ID Verification (INEC)
Not available
FRSC Driver's License
Not available
International Passport
Not available
Phone Number Verification
Not available
SmartSelfie Biometric Authentication
Not available
Document OCR + Verification
Not available
Liveness Detection (ISO 30107-3 L2)
Not available
Business Verification KYB
Not available
AML Screening
Not available
52-country African Coverage
Not available
9 Nigerian Government Databases
Not available
Crypto Buy/Sell (BTC, ETH, USDT, USDC)
Not available
Stablecoin Payment Acceptance
Not available
Instant NGN Settlement
Not available
Crypto Wallet Integration
Not available
Webhooks / Real-time Notifications
Not available
Multi-region High Availability
Not available
DeFi Protocol Integration (Lisk)
Not available
Fiat Card Payments
Not available
Virtual Accounts (Multi-Currency)
Not available
Direct Debit / Recurring
Not available
M-Pesa / Mobile Money
Not available
PayAttitude
Not available
Cross-Border Payments
Not available
Local Card Payments (Verve/Visa/Mastercard)
Not available
Transaction Dashboard
Not available
Merchant Report Export
Not available
One-Time Payments
Not available
Payload Tokenization
Not available
Customer Management
Not available
Address Verification Service (AVS)
Not available
Agent/Merchant Boarding API
Not available
Reporting API
Not available
Java SDK
Not available
C# / .NET SDK
Not available
FX / Multi-Currency
Not available
View Details

Elipa

Pricing
Enterprise pricing — not publicly listed. Designed for FX brokers and trading platforms. Contact Elipa for pricing based on transaction volume and market.
Domestic Payment Processing
Not available
Multi-Channel Payments
Not available
Bank API Connectivity
Not available
Enterprise Payment Automation
Not available
PCI-DSS Compliance
Not available
Webhooks
Not available
USSD Payments
Not available
Crypto Payments
Not available
Consumer Checkout Widget
Not available
Free Tier
Not available
Money Transfers (Bank Account)
Not available
Money Transfers (Paga Account)
Not available
Airtime/Data Purchase
Not available
Utility Bill Payments
Not available
Bulk Transfers (up to 300)
Not available
Direct Debit / Mandate
Not available
Merchant Payments
Not available
Transaction History
Not available
Account Balance Check
Not available
Card Payments via Checkout
Not available
International Cross-Border Payouts
Not available
Virtual Accounts
Not available
Local Deposits (Nigeria)
Available
Local Withdrawals (Nigeria)
Available
Automatic Failover Infrastructure
Available
24/7 Live Human Support
Available
Transaction Monitoring
Available
Settlement Controls
Available
Regulatory Reporting
Available
Uganda Market Support
Available
Consumer E-commerce Checkout
Not available
Cash Collections via Agents
Not available
Mobile Money Collections
Not available
Bank Transfer Collections
Not available
Card Collections
Not available
Disbursements to Wallets
Not available
Disbursements to Bank Accounts
Not available
Bill Payments (248 billers)
Not available
Cross-Border (PAPSS/Ghana)
Not available
Online Checkout Widget
Not available
Split Payments
Not available
Card Payments
Not available
Bank Transfer Checkout
Not available
Mobile Money
Not available
Direct Debit
Not available
Cash Collections
Not available
International Cards
Not available
Multi-Country African Acquiring
Not available
Card Payments (Visa, Mastercard, Verve)
Not available
Instant Account Transfers
Not available
Digital Wallet Payments
Not available
Multi-currency Processing
Not available
Custom Payment Page Design
Not available
AI-driven Analytics
Not available
Intelligent Payment Routing
Not available
Webhook Notifications
Not available
Real-time Reporting Dashboard
Not available
PCI DSS Compliant
Not available
Government Collections (IPPIS/GIFMIS)
Not available
Multi-Bank Collections via RRR
Not available
Agency Banking
Not available
Bulk Disbursements
Not available
Airtime/Data/Electricity Vending
Not available
Direct Debit Mandates
Not available
School Fees Collections
Not available
Tax / Levy Collections
Not available
ATM Transaction Processing
Not available
POS Payment Processing
Not available
Web / In-App Payments
Not available
Funds Transfers (Account-to-Account)
Not available
Cash Withdrawals at Agents
Not available
Cross-Border Remittances
Not available
Blockchain Settlement Layer
Not available
Consumer-Facing App
Not available
Bulk Payments (500+ recipients)
Not available
Local Card Payments
Not available
International Card Payments
Not available
FX / Multi-Currency Payments
Not available
Expense Management
Not available
Auto Reconciliation
Not available
NRS E-Invoicing
Not available
South Africa (Ozow EFT)
Not available
Card Issuance
Not available
Crypto Payment Acceptance
Not available
Crypto-to-NGN Off-Ramp
Not available
NGN-to-Crypto On-Ramp
Not available
Multi-Currency Treasury
Not available
Stablecoin Holdings
Not available
Wallet API
Not available
Corporate Card Issuance
Not available
Pan-African Corridors
Not available
Card Payment Acceptance
Not available
NGN Bank Transfer In (Direct)
Not available
Card Payment Acceptance (Debit/Credit)
Not available
Bank Transfer Acceptance
Not available
USSD Payment Processing
Not available
QR Code Payments
Not available
POS Terminal Support
Not available
Payment Link Generation
Not available
Bill Payments (Airtime, Electricity, TV, Internet)
Not available
Bulk Payouts
Not available
Merchant Dashboard & Reporting
Not available
Micro-loan Access via Routelink MFB
Not available
Government / Institutional Payments
Not available
Tiered KYC System
Not available
Fraud Monitoring & 2FA
Not available
International Card / Multi-currency
Not available
Subscription / Recurring Billing API
Not available
Virtual Account Issuance (Fixed)
Not available
Virtual Account Issuance (Collection)
Not available
Bank Transfers (NIP)
Not available
Bulk Transfers
Not available
Airtime/Data Bills Payment
Not available
Electricity Bills Payment
Not available
Cable TV Subscription Payment
Not available
Dashboard Management
Not available
International Transfers
Not available
FX Conversion
Not available
Invoicing Tools
Not available
Same-day Settlement
Not available
Web Checkout Integration
Not available
Mobile Payment Support
Not available
In-person / POS Payments
Not available
International Card Acceptance
Not available
Developer API Access
Not available
Recurring / Subscription Billing
Not available
Bulk Payouts API
Not available
Card Payments (Verve/Visa/Mastercard)
Not available
Airtime Vending
Not available
3,000+ Biller Payments
Not available
Instant Bank Transfers (NIP)
Not available
Hosted Fields (PCI-DSS card capture)
Not available
Mobile SDKs
Not available
Recurring Billing
Not available
Card Payment Acceptance (1,000+ methods)
Not available
Multi-currency Processing (150+ currencies)
Not available
Nigeria Local Payment Methods
Not available
3D Secure Authentication
Not available
Payment Page Mode (hosted)
Not available
Gateway Mode (server-to-server)
Not available
Instant Payouts
Not available
Crypto On/Off-ramp
Not available
BaaS / White-label Card Issuing
Not available
Multi-currency Business Accounts
Not available
Self-serve Merchant Onboarding
Not available
Published Flat-rate Pricing
Not available
Card Payments (Local)
Not available
Payment Links
Not available
Invoicing
Not available
Multi-Currency (8 currencies)
Not available
SMS OTP to Nigerian Networks
Not available
DND Bypass for Transactional SMS
Not available
WhatsApp OTP
Not available
Email OTP
Not available
Bulk Promotional SMS
Not available
In-App Notification
Not available
Token (OTP) Management API
Not available
Delivery Analytics
Not available
Voice OTP
Not available
USSD
Not available
Nigerian Debit Card Acceptance
Not available
Visa/Mastercard Acceptance
Not available
CashEnvoy Wallet Payments
Not available
NGN Transactions
Not available
USD Transactions
Not available
Developer API
Not available
Online Card Payment Acceptance
Not available
Virtual Account Creation (First Bank)
Not available
Subscription / Recurring Billing
Not available
Merchant KYC Onboarding
Not available
Test Payment / Sandbox Mode
Not available
Bulk Payouts / Transfers
Not available
International Card Acceptance (non-NGN)
Not available
POS Terminal Integration
Not available
BVN Verification
Not available
NIN Verification
Not available
Easy Lookup (Phone/BVN → Identity)
Not available
Facial Recognition + Liveness Detection
Not available
Government ID Document Scan & Verify
Not available
CAC Company Verification (KYB)
Not available
Digital Address Verification
Not available
AML / Fraud Prevention (Identity Hub)
Not available
Bank Account Name Verification
Not available
Telecoms / Phone Data Lookup
Not available
Free Sandbox Environment
Not available
Pan-African Coverage (beyond Nigeria)
Not available
International Passport Verification
Not available
BVN Resolution
Not available
Bank Account Verification
Not available
Card BIN Resolution
Not available
Sandbox Environment
Not available
Passport Verification
Not available
Driver's Licence Verification
Not available
Liveness Detection
Not available
Business (CAC) Verification
Not available
BVN–NIN Harmonization Check
Not available
Resident Permit Verification
Not available
Business / Company Verification (KYB)
Not available
AML / Sanctions Screening
Not available
Liveness Detection (Deepfake Resistant)
Not available
Cross-region Routing (Africa + Europe)
Not available
Merchant Verification for Marketplaces
Not available
Unified Compliance Case Record
Not available
Free Sandbox
Not available
Document Verification
Not available
Biometric Face Match
Not available
AML & PEP Screening
Not available
Ongoing Identity Monitoring
Not available
Database Cross-Check
Not available
Web SDK
Not available
iOS & Android SDK
Not available
No-Code Session Builder
Not available
KYB (Business Verification)
Not available
Nigerian BVN Lookup
Not available
Government ID Document Verification
Not available
Selfie Liveness Detection
Not available
Nigerian Database Verification (NIN/BVN)
Not available
Phone & Email Verification
Not available
AML & Sanctions Screening
Not available
No-Code Workflow Builder
Not available
Adverse Media Screening
Not available
Ongoing Monitoring
Not available
Travel Rule Compliance
Not available
MTN Delivery
Not available
Airtel Delivery
Not available
Glo Delivery
Not available
9mobile Delivery
Not available
Custom Sender ID
Not available
DND Handling
Not available
API
Not available
Delivery Reports
Not available
WhatsApp
Not available
Voice
Not available
Mock Endpoint Creation
Not available
Custom Response Rules
Not available
Real-time Request Inspector
Not available
Webhook Testing
Not available
Request Body Capture
Not available
Conditional Logic
Not available
API Proxy Mode
Not available
No Registration (Basic)
Not available
Watchlist & AML Screening
Not available
No-Code Workflow Builder (Studio)
Not available
Database Cross-Checks
Not available
Self-Serve Signup
Not available
Posts Resource
Not available
Users Resource
Not available
Comments Resource
Not available
Albums Resource
Not available
Photos Resource
Not available
Todos Resource
Not available
All HTTP Methods
Not available
No Auth Required
Not available
User Registration
Not available
Login (Returns Token)
Not available
User List (Paginated)
Not available
Single User Fetch
Not available
User Create/Update/Delete
Not available
Delayed Responses
Not available
REST API
Not available
Active Liveness Detection
Not available
Deepfake & Spoofing Prevention
Not available
KYX Orchestration Platform
Not available
Public Per-Check Pricing
Not available
Nigerian BVN Verification
Not available
BVN Verification (Nigeria)
Not available
NIN Verification (Nigeria)
Not available
vNIN (Virtual NIN)
Not available
Phone Number Verification (Nigeria)
Not available
CAC Business Verification
Not available
Ghana SSNIT / Voters / Passport
Not available
Kenya National ID / Tax PIN
Not available
South Africa ID (SAID)
Not available
Document Capture / OCR
Not available
Face Match
Not available
Bank Account Linking (Connect Widget)
Not available
Transaction History Access
Not available
Income & Balance Verification
Not available
Bank Statement Retrieval
Not available
DirectPay (Direct Bank Debit)
Not available
Direct Debit (Recurring)
Not available
Identity Verification (BVN/NIN)
Not available
Business/CAC Verification
Not available
BVN Verification (Basic + Advanced)
Not available
Virtual NIN (vNIN) Verification
Not available
BVN + NIN + Phone in One API Call
Not available
FRSC Driver's License Verification
Not available
Vehicle Plate Number Verification
Not available
Stamp Duty Verification
Not available
Address Verification
Not available
Facial Recognition / Liveness Detection
Not available
AML / Sanctions Screening (RadarR)
Not available
Pan-African ID Verification (7 countries)
Not available
Device Intelligence & Fraud Detection
Not available
Real-time Bank Account Validation
Not available
Multi-Bank Virtual Accounts
Not available
Payouts to Bank Accounts
Not available
e-Commerce Plugin
Not available
International Cross-Border
Not available
Full-Page Screenshot
Not available
Element Selector Capture
Not available
Custom Viewport
Not available
JavaScript Rendering
Not available
Delay Parameter
Not available
Fresh Capture Mode
Not available
PNG Output
Not available
JPEG Output
Not available
Seasonal Forecasts
Not available
Agricultural Climate Data
Not available
Nigeria Coverage
Not available
Africa-Tailored Data
Not available
API Access
Not available
Real-time rates
Not available
Historical rates
Not available
Crypto rates
Not available
Currency conversion
Not available
NGN support
Not available
Historical climate data
Not available
Seasonal forecasting
Not available
Drought risk indicators
Not available
Rainfall analysis
Not available
Temperature trends
Not available
Card Payments (3DS & Non-3DS)
Not available
OPay Wallet QR Payment
Not available
Bank Account Direct Debit
Not available
Hosted Express Checkout
Not available
Refund API
Not available
WooCommerce Plugin
Not available
Card Payments (3DS + 2FA)
Not available
Internet Banking Transfers
Not available
Subscription Billing
Not available
Bill Payments API (SwitchIT)
Not available
Virtual Account Service
Not available
Instant Transfer
Not available
Wallet-as-a-Service (WaaS)
Not available
e-Invoicing API
Not available
Loan Mandate & Repayment (AntPeer)
Not available
IMTO Cross-Border Remittance
Not available
ePAPSS Pan-African Payments
Not available
Wallet Balance & Transactions
Not available
Virtual Account Generation
Not available
Merchant Onboarding API
Not available
Payment Links & Checkout
Not available
Payouts / Transfers
Not available
BVN / NIN Verification
Not available
Cash Collection
Not available
Refunds API
Not available
International Payments
Not available
NIN Verification (NIMC)
Not available
Virtual NIN (vNIN)
Not available
BVN Verification (NIBSS)
Not available
Voter ID Verification (INEC)
Not available
FRSC Driver's License
Not available
International Passport
Not available
Phone Number Verification
Not available
SmartSelfie Biometric Authentication
Not available
Document OCR + Verification
Not available
Liveness Detection (ISO 30107-3 L2)
Not available
Business Verification KYB
Not available
AML Screening
Not available
52-country African Coverage
Not available
9 Nigerian Government Databases
Not available
Crypto Buy/Sell (BTC, ETH, USDT, USDC)
Not available
Stablecoin Payment Acceptance
Not available
Instant NGN Settlement
Not available
Crypto Wallet Integration
Not available
Webhooks / Real-time Notifications
Not available
Multi-region High Availability
Not available
DeFi Protocol Integration (Lisk)
Not available
Fiat Card Payments
Not available
Virtual Accounts (Multi-Currency)
Not available
Direct Debit / Recurring
Not available
M-Pesa / Mobile Money
Not available
PayAttitude
Not available
Cross-Border Payments
Not available
Local Card Payments (Verve/Visa/Mastercard)
Not available
Transaction Dashboard
Not available
Merchant Report Export
Not available
One-Time Payments
Not available
Payload Tokenization
Not available
Customer Management
Not available
Address Verification Service (AVS)
Not available
Agent/Merchant Boarding API
Not available
Reporting API
Not available
Java SDK
Not available
C# / .NET SDK
Not available
FX / Multi-Currency
Not available
View Details

Onafriq (Baxi)

Pricing
Transaction-based pricing. Exact rates not publicly listed — contact Onafriq/Baxi for partnership pricing. Enterprise rates available for high-volume integrators.
Domestic Payment Processing
Not available
Multi-Channel Payments
Not available
Bank API Connectivity
Not available
Enterprise Payment Automation
Not available
PCI-DSS Compliance
Not available
Webhooks
Not available
USSD Payments
Available
Crypto Payments
Not available
Consumer Checkout Widget
Not available
Free Tier
Not available
Money Transfers (Bank Account)
Not available
Money Transfers (Paga Account)
Not available
Airtime/Data Purchase
Not available
Utility Bill Payments
Not available
Bulk Transfers (up to 300)
Not available
Direct Debit / Mandate
Not available
Merchant Payments
Not available
Transaction History
Not available
Account Balance Check
Not available
Card Payments via Checkout
Not available
International Cross-Border Payouts
Not available
Virtual Accounts
Not available
Local Deposits (Nigeria)
Not available
Local Withdrawals (Nigeria)
Not available
Automatic Failover Infrastructure
Not available
24/7 Live Human Support
Not available
Transaction Monitoring
Not available
Settlement Controls
Not available
Regulatory Reporting
Not available
Uganda Market Support
Not available
Consumer E-commerce Checkout
Not available
Cash Collections via Agents
Available
Mobile Money Collections
Available
Bank Transfer Collections
Available
Card Collections
Available
Disbursements to Wallets
Available
Disbursements to Bank Accounts
Available
Bill Payments (248 billers)
Available
Cross-Border (PAPSS/Ghana)
Available
Online Checkout Widget
Available
Split Payments
Not available
Card Payments
Not available
Bank Transfer Checkout
Not available
Mobile Money
Not available
Direct Debit
Not available
Cash Collections
Not available
International Cards
Not available
Multi-Country African Acquiring
Not available
Card Payments (Visa, Mastercard, Verve)
Not available
Instant Account Transfers
Not available
Digital Wallet Payments
Not available
Multi-currency Processing
Not available
Custom Payment Page Design
Not available
AI-driven Analytics
Not available
Intelligent Payment Routing
Not available
Webhook Notifications
Not available
Real-time Reporting Dashboard
Not available
PCI DSS Compliant
Not available
Government Collections (IPPIS/GIFMIS)
Not available
Multi-Bank Collections via RRR
Not available
Agency Banking
Not available
Bulk Disbursements
Not available
Airtime/Data/Electricity Vending
Not available
Direct Debit Mandates
Not available
School Fees Collections
Not available
Tax / Levy Collections
Not available
ATM Transaction Processing
Not available
POS Payment Processing
Not available
Web / In-App Payments
Not available
Funds Transfers (Account-to-Account)
Not available
Cash Withdrawals at Agents
Not available
Cross-Border Remittances
Not available
Blockchain Settlement Layer
Not available
Consumer-Facing App
Not available
Bulk Payments (500+ recipients)
Not available
Local Card Payments
Not available
International Card Payments
Not available
FX / Multi-Currency Payments
Not available
Expense Management
Not available
Auto Reconciliation
Not available
NRS E-Invoicing
Not available
South Africa (Ozow EFT)
Not available
Card Issuance
Not available
Crypto Payment Acceptance
Not available
Crypto-to-NGN Off-Ramp
Not available
NGN-to-Crypto On-Ramp
Not available
Multi-Currency Treasury
Not available
Stablecoin Holdings
Not available
Wallet API
Not available
Corporate Card Issuance
Not available
Pan-African Corridors
Not available
Card Payment Acceptance
Not available
NGN Bank Transfer In (Direct)
Not available
Card Payment Acceptance (Debit/Credit)
Not available
Bank Transfer Acceptance
Not available
USSD Payment Processing
Not available
QR Code Payments
Not available
POS Terminal Support
Not available
Payment Link Generation
Not available
Bill Payments (Airtime, Electricity, TV, Internet)
Not available
Bulk Payouts
Not available
Merchant Dashboard & Reporting
Not available
Micro-loan Access via Routelink MFB
Not available
Government / Institutional Payments
Not available
Tiered KYC System
Not available
Fraud Monitoring & 2FA
Not available
International Card / Multi-currency
Not available
Subscription / Recurring Billing API
Not available
Virtual Account Issuance (Fixed)
Not available
Virtual Account Issuance (Collection)
Not available
Bank Transfers (NIP)
Not available
Bulk Transfers
Not available
Airtime/Data Bills Payment
Not available
Electricity Bills Payment
Not available
Cable TV Subscription Payment
Not available
Dashboard Management
Not available
International Transfers
Not available
FX Conversion
Not available
Invoicing Tools
Not available
Same-day Settlement
Not available
Web Checkout Integration
Not available
Mobile Payment Support
Not available
In-person / POS Payments
Not available
International Card Acceptance
Not available
Developer API Access
Not available
Recurring / Subscription Billing
Not available
Bulk Payouts API
Not available
Card Payments (Verve/Visa/Mastercard)
Not available
Airtime Vending
Not available
3,000+ Biller Payments
Not available
Instant Bank Transfers (NIP)
Not available
Hosted Fields (PCI-DSS card capture)
Not available
Mobile SDKs
Not available
Recurring Billing
Not available
Card Payment Acceptance (1,000+ methods)
Not available
Multi-currency Processing (150+ currencies)
Not available
Nigeria Local Payment Methods
Not available
3D Secure Authentication
Not available
Payment Page Mode (hosted)
Not available
Gateway Mode (server-to-server)
Not available
Instant Payouts
Not available
Crypto On/Off-ramp
Not available
BaaS / White-label Card Issuing
Not available
Multi-currency Business Accounts
Not available
Self-serve Merchant Onboarding
Not available
Published Flat-rate Pricing
Not available
Card Payments (Local)
Not available
Payment Links
Not available
Invoicing
Not available
Multi-Currency (8 currencies)
Not available
SMS OTP to Nigerian Networks
Not available
DND Bypass for Transactional SMS
Not available
WhatsApp OTP
Not available
Email OTP
Not available
Bulk Promotional SMS
Not available
In-App Notification
Not available
Token (OTP) Management API
Not available
Delivery Analytics
Not available
Voice OTP
Not available
USSD
Not available
Nigerian Debit Card Acceptance
Not available
Visa/Mastercard Acceptance
Not available
CashEnvoy Wallet Payments
Not available
NGN Transactions
Not available
USD Transactions
Not available
Developer API
Not available
Online Card Payment Acceptance
Not available
Virtual Account Creation (First Bank)
Not available
Subscription / Recurring Billing
Not available
Merchant KYC Onboarding
Not available
Test Payment / Sandbox Mode
Not available
Bulk Payouts / Transfers
Not available
International Card Acceptance (non-NGN)
Not available
POS Terminal Integration
Not available
BVN Verification
Not available
NIN Verification
Not available
Easy Lookup (Phone/BVN → Identity)
Not available
Facial Recognition + Liveness Detection
Not available
Government ID Document Scan & Verify
Not available
CAC Company Verification (KYB)
Not available
Digital Address Verification
Not available
AML / Fraud Prevention (Identity Hub)
Not available
Bank Account Name Verification
Not available
Telecoms / Phone Data Lookup
Not available
Free Sandbox Environment
Not available
Pan-African Coverage (beyond Nigeria)
Not available
International Passport Verification
Not available
BVN Resolution
Not available
Bank Account Verification
Not available
Card BIN Resolution
Not available
Sandbox Environment
Not available
Passport Verification
Not available
Driver's Licence Verification
Not available
Liveness Detection
Not available
Business (CAC) Verification
Not available
BVN–NIN Harmonization Check
Not available
Resident Permit Verification
Not available
Business / Company Verification (KYB)
Not available
AML / Sanctions Screening
Not available
Liveness Detection (Deepfake Resistant)
Not available
Cross-region Routing (Africa + Europe)
Not available
Merchant Verification for Marketplaces
Not available
Unified Compliance Case Record
Not available
Free Sandbox
Not available
Document Verification
Not available
Biometric Face Match
Not available
AML & PEP Screening
Not available
Ongoing Identity Monitoring
Not available
Database Cross-Check
Not available
Web SDK
Not available
iOS & Android SDK
Not available
No-Code Session Builder
Not available
KYB (Business Verification)
Not available
Nigerian BVN Lookup
Not available
Government ID Document Verification
Not available
Selfie Liveness Detection
Not available
Nigerian Database Verification (NIN/BVN)
Not available
Phone & Email Verification
Not available
AML & Sanctions Screening
Not available
No-Code Workflow Builder
Not available
Adverse Media Screening
Not available
Ongoing Monitoring
Not available
Travel Rule Compliance
Not available
MTN Delivery
Not available
Airtel Delivery
Not available
Glo Delivery
Not available
9mobile Delivery
Not available
Custom Sender ID
Not available
DND Handling
Not available
API
Not available
Delivery Reports
Not available
WhatsApp
Not available
Voice
Not available
Mock Endpoint Creation
Not available
Custom Response Rules
Not available
Real-time Request Inspector
Not available
Webhook Testing
Not available
Request Body Capture
Not available
Conditional Logic
Not available
API Proxy Mode
Not available
No Registration (Basic)
Not available
Watchlist & AML Screening
Not available
No-Code Workflow Builder (Studio)
Not available
Database Cross-Checks
Not available
Self-Serve Signup
Not available
Posts Resource
Not available
Users Resource
Not available
Comments Resource
Not available
Albums Resource
Not available
Photos Resource
Not available
Todos Resource
Not available
All HTTP Methods
Not available
No Auth Required
Not available
User Registration
Not available
Login (Returns Token)
Not available
User List (Paginated)
Not available
Single User Fetch
Not available
User Create/Update/Delete
Not available
Delayed Responses
Not available
REST API
Not available
Active Liveness Detection
Not available
Deepfake & Spoofing Prevention
Not available
KYX Orchestration Platform
Not available
Public Per-Check Pricing
Not available
Nigerian BVN Verification
Not available
BVN Verification (Nigeria)
Not available
NIN Verification (Nigeria)
Not available
vNIN (Virtual NIN)
Not available
Phone Number Verification (Nigeria)
Not available
CAC Business Verification
Not available
Ghana SSNIT / Voters / Passport
Not available
Kenya National ID / Tax PIN
Not available
South Africa ID (SAID)
Not available
Document Capture / OCR
Not available
Face Match
Not available
Bank Account Linking (Connect Widget)
Not available
Transaction History Access
Not available
Income & Balance Verification
Not available
Bank Statement Retrieval
Not available
DirectPay (Direct Bank Debit)
Not available
Direct Debit (Recurring)
Not available
Identity Verification (BVN/NIN)
Not available
Business/CAC Verification
Not available
BVN Verification (Basic + Advanced)
Not available
Virtual NIN (vNIN) Verification
Not available
BVN + NIN + Phone in One API Call
Not available
FRSC Driver's License Verification
Not available
Vehicle Plate Number Verification
Not available
Stamp Duty Verification
Not available
Address Verification
Not available
Facial Recognition / Liveness Detection
Not available
AML / Sanctions Screening (RadarR)
Not available
Pan-African ID Verification (7 countries)
Not available
Device Intelligence & Fraud Detection
Not available
Real-time Bank Account Validation
Not available
Multi-Bank Virtual Accounts
Not available
Payouts to Bank Accounts
Not available
e-Commerce Plugin
Not available
International Cross-Border
Not available
Full-Page Screenshot
Not available
Element Selector Capture
Not available
Custom Viewport
Not available
JavaScript Rendering
Not available
Delay Parameter
Not available
Fresh Capture Mode
Not available
PNG Output
Not available
JPEG Output
Not available
Seasonal Forecasts
Not available
Agricultural Climate Data
Not available
Nigeria Coverage
Not available
Africa-Tailored Data
Not available
API Access
Not available
Real-time rates
Not available
Historical rates
Not available
Crypto rates
Not available
Currency conversion
Not available
NGN support
Not available
Historical climate data
Not available
Seasonal forecasting
Not available
Drought risk indicators
Not available
Rainfall analysis
Not available
Temperature trends
Not available
Card Payments (3DS & Non-3DS)
Not available
OPay Wallet QR Payment
Not available
Bank Account Direct Debit
Not available
Hosted Express Checkout
Not available
Refund API
Not available
WooCommerce Plugin
Not available
Card Payments (3DS + 2FA)
Not available
Internet Banking Transfers
Not available
Subscription Billing
Not available
Bill Payments API (SwitchIT)
Not available
Virtual Account Service
Not available
Instant Transfer
Not available
Wallet-as-a-Service (WaaS)
Not available
e-Invoicing API
Not available
Loan Mandate & Repayment (AntPeer)
Not available
IMTO Cross-Border Remittance
Not available
ePAPSS Pan-African Payments
Not available
Wallet Balance & Transactions
Not available
Virtual Account Generation
Not available
Merchant Onboarding API
Not available
Payment Links & Checkout
Not available
Payouts / Transfers
Not available
BVN / NIN Verification
Not available
Cash Collection
Not available
Refunds API
Not available
International Payments
Not available
NIN Verification (NIMC)
Not available
Virtual NIN (vNIN)
Not available
BVN Verification (NIBSS)
Not available
Voter ID Verification (INEC)
Not available
FRSC Driver's License
Not available
International Passport
Not available
Phone Number Verification
Not available
SmartSelfie Biometric Authentication
Not available
Document OCR + Verification
Not available
Liveness Detection (ISO 30107-3 L2)
Not available
Business Verification KYB
Not available
AML Screening
Not available
52-country African Coverage
Not available
9 Nigerian Government Databases
Not available
Crypto Buy/Sell (BTC, ETH, USDT, USDC)
Not available
Stablecoin Payment Acceptance
Not available
Instant NGN Settlement
Not available
Crypto Wallet Integration
Not available
Webhooks / Real-time Notifications
Not available
Multi-region High Availability
Not available
DeFi Protocol Integration (Lisk)
Not available
Fiat Card Payments
Not available
Virtual Accounts (Multi-Currency)
Not available
Direct Debit / Recurring
Not available
M-Pesa / Mobile Money
Not available
PayAttitude
Not available
Cross-Border Payments
Not available
Local Card Payments (Verve/Visa/Mastercard)
Not available
Transaction Dashboard
Not available
Merchant Report Export
Not available
One-Time Payments
Not available
Payload Tokenization
Not available
Customer Management
Not available
Address Verification Service (AVS)
Not available
Agent/Merchant Boarding API
Not available
Reporting API
Not available
Java SDK
Not available
C# / .NET SDK
Not available
FX / Multi-Currency
Not available
View Details

SeerBit

Pricing
Local transactions: 1.5% capped at ₦2,000. International: 3.8% per transaction. No setup fee. 24-hour settlement.
Domestic Payment Processing
Not available
Multi-Channel Payments
Not available
Bank API Connectivity
Not available
Enterprise Payment Automation
Not available
PCI-DSS Compliance
Not available
Webhooks
Available
USSD Payments
Available
Crypto Payments
Not available
Consumer Checkout Widget
Not available
Free Tier
Not available
Money Transfers (Bank Account)
Not available
Money Transfers (Paga Account)
Not available
Airtime/Data Purchase
Not available
Utility Bill Payments
Not available
Bulk Transfers (up to 300)
Not available
Direct Debit / Mandate
Not available
Merchant Payments
Not available
Transaction History
Not available
Account Balance Check
Not available
Card Payments via Checkout
Not available
International Cross-Border Payouts
Not available
Virtual Accounts
Available
Local Deposits (Nigeria)
Not available
Local Withdrawals (Nigeria)
Not available
Automatic Failover Infrastructure
Not available
24/7 Live Human Support
Not available
Transaction Monitoring
Not available
Settlement Controls
Not available
Regulatory Reporting
Not available
Uganda Market Support
Not available
Consumer E-commerce Checkout
Not available
Cash Collections via Agents
Not available
Mobile Money Collections
Not available
Bank Transfer Collections
Not available
Card Collections
Not available
Disbursements to Wallets
Not available
Disbursements to Bank Accounts
Not available
Bill Payments (248 billers)
Not available
Cross-Border (PAPSS/Ghana)
Not available
Online Checkout Widget
Not available
Split Payments
Not available
Card Payments
Available
Bank Transfer Checkout
Available
Mobile Money
Available
Direct Debit
Available
Cash Collections
Available
International Cards
Available
Multi-Country African Acquiring
Available
Card Payments (Visa, Mastercard, Verve)
Not available
Instant Account Transfers
Not available
Digital Wallet Payments
Not available
Multi-currency Processing
Not available
Custom Payment Page Design
Not available
AI-driven Analytics
Not available
Intelligent Payment Routing
Not available
Webhook Notifications
Not available
Real-time Reporting Dashboard
Not available
PCI DSS Compliant
Not available
Government Collections (IPPIS/GIFMIS)
Not available
Multi-Bank Collections via RRR
Not available
Agency Banking
Not available
Bulk Disbursements
Not available
Airtime/Data/Electricity Vending
Not available
Direct Debit Mandates
Not available
School Fees Collections
Not available
Tax / Levy Collections
Not available
ATM Transaction Processing
Not available
POS Payment Processing
Not available
Web / In-App Payments
Not available
Funds Transfers (Account-to-Account)
Not available
Cash Withdrawals at Agents
Not available
Cross-Border Remittances
Not available
Blockchain Settlement Layer
Not available
Consumer-Facing App
Not available
Bulk Payments (500+ recipients)
Not available
Local Card Payments
Not available
International Card Payments
Not available
FX / Multi-Currency Payments
Not available
Expense Management
Not available
Auto Reconciliation
Not available
NRS E-Invoicing
Not available
South Africa (Ozow EFT)
Not available
Card Issuance
Not available
Crypto Payment Acceptance
Not available
Crypto-to-NGN Off-Ramp
Not available
NGN-to-Crypto On-Ramp
Not available
Multi-Currency Treasury
Not available
Stablecoin Holdings
Not available
Wallet API
Not available
Corporate Card Issuance
Not available
Pan-African Corridors
Not available
Card Payment Acceptance
Not available
NGN Bank Transfer In (Direct)
Not available
Card Payment Acceptance (Debit/Credit)
Not available
Bank Transfer Acceptance
Not available
USSD Payment Processing
Not available
QR Code Payments
Not available
POS Terminal Support
Not available
Payment Link Generation
Not available
Bill Payments (Airtime, Electricity, TV, Internet)
Not available
Bulk Payouts
Not available
Merchant Dashboard & Reporting
Not available
Micro-loan Access via Routelink MFB
Not available
Government / Institutional Payments
Not available
Tiered KYC System
Not available
Fraud Monitoring & 2FA
Not available
International Card / Multi-currency
Not available
Subscription / Recurring Billing API
Not available
Virtual Account Issuance (Fixed)
Not available
Virtual Account Issuance (Collection)
Not available
Bank Transfers (NIP)
Not available
Bulk Transfers
Not available
Airtime/Data Bills Payment
Not available
Electricity Bills Payment
Not available
Cable TV Subscription Payment
Not available
Dashboard Management
Not available
International Transfers
Not available
FX Conversion
Not available
Invoicing Tools
Not available
Same-day Settlement
Not available
Web Checkout Integration
Not available
Mobile Payment Support
Not available
In-person / POS Payments
Not available
International Card Acceptance
Not available
Developer API Access
Not available
Recurring / Subscription Billing
Not available
Bulk Payouts API
Not available
Card Payments (Verve/Visa/Mastercard)
Not available
Airtime Vending
Not available
3,000+ Biller Payments
Not available
Instant Bank Transfers (NIP)
Not available
Hosted Fields (PCI-DSS card capture)
Not available
Mobile SDKs
Not available
Recurring Billing
Not available
Card Payment Acceptance (1,000+ methods)
Not available
Multi-currency Processing (150+ currencies)
Not available
Nigeria Local Payment Methods
Not available
3D Secure Authentication
Not available
Payment Page Mode (hosted)
Not available
Gateway Mode (server-to-server)
Not available
Instant Payouts
Not available
Crypto On/Off-ramp
Not available
BaaS / White-label Card Issuing
Not available
Multi-currency Business Accounts
Not available
Self-serve Merchant Onboarding
Not available
Published Flat-rate Pricing
Not available
Card Payments (Local)
Not available
Payment Links
Not available
Invoicing
Not available
Multi-Currency (8 currencies)
Not available
SMS OTP to Nigerian Networks
Not available
DND Bypass for Transactional SMS
Not available
WhatsApp OTP
Not available
Email OTP
Not available
Bulk Promotional SMS
Not available
In-App Notification
Not available
Token (OTP) Management API
Not available
Delivery Analytics
Not available
Voice OTP
Not available
USSD
Not available
Nigerian Debit Card Acceptance
Not available
Visa/Mastercard Acceptance
Not available
CashEnvoy Wallet Payments
Not available
NGN Transactions
Not available
USD Transactions
Not available
Developer API
Not available
Online Card Payment Acceptance
Not available
Virtual Account Creation (First Bank)
Not available
Subscription / Recurring Billing
Not available
Merchant KYC Onboarding
Not available
Test Payment / Sandbox Mode
Not available
Bulk Payouts / Transfers
Not available
International Card Acceptance (non-NGN)
Not available
POS Terminal Integration
Not available
BVN Verification
Not available
NIN Verification
Not available
Easy Lookup (Phone/BVN → Identity)
Not available
Facial Recognition + Liveness Detection
Not available
Government ID Document Scan & Verify
Not available
CAC Company Verification (KYB)
Not available
Digital Address Verification
Not available
AML / Fraud Prevention (Identity Hub)
Not available
Bank Account Name Verification
Not available
Telecoms / Phone Data Lookup
Not available
Free Sandbox Environment
Not available
Pan-African Coverage (beyond Nigeria)
Not available
International Passport Verification
Not available
BVN Resolution
Not available
Bank Account Verification
Not available
Card BIN Resolution
Not available
Sandbox Environment
Not available
Passport Verification
Not available
Driver's Licence Verification
Not available
Liveness Detection
Not available
Business (CAC) Verification
Not available
BVN–NIN Harmonization Check
Not available
Resident Permit Verification
Not available
Business / Company Verification (KYB)
Not available
AML / Sanctions Screening
Not available
Liveness Detection (Deepfake Resistant)
Not available
Cross-region Routing (Africa + Europe)
Not available
Merchant Verification for Marketplaces
Not available
Unified Compliance Case Record
Not available
Free Sandbox
Not available
Document Verification
Not available
Biometric Face Match
Not available
AML & PEP Screening
Not available
Ongoing Identity Monitoring
Not available
Database Cross-Check
Not available
Web SDK
Not available
iOS & Android SDK
Not available
No-Code Session Builder
Not available
KYB (Business Verification)
Not available
Nigerian BVN Lookup
Not available
Government ID Document Verification
Not available
Selfie Liveness Detection
Not available
Nigerian Database Verification (NIN/BVN)
Not available
Phone & Email Verification
Not available
AML & Sanctions Screening
Not available
No-Code Workflow Builder
Not available
Adverse Media Screening
Not available
Ongoing Monitoring
Not available
Travel Rule Compliance
Not available
MTN Delivery
Not available
Airtel Delivery
Not available
Glo Delivery
Not available
9mobile Delivery
Not available
Custom Sender ID
Not available
DND Handling
Not available
API
Not available
Delivery Reports
Not available
WhatsApp
Not available
Voice
Not available
Mock Endpoint Creation
Not available
Custom Response Rules
Not available
Real-time Request Inspector
Not available
Webhook Testing
Not available
Request Body Capture
Not available
Conditional Logic
Not available
API Proxy Mode
Not available
No Registration (Basic)
Not available
Watchlist & AML Screening
Not available
No-Code Workflow Builder (Studio)
Not available
Database Cross-Checks
Not available
Self-Serve Signup
Not available
Posts Resource
Not available
Users Resource
Not available
Comments Resource
Not available
Albums Resource
Not available
Photos Resource
Not available
Todos Resource
Not available
All HTTP Methods
Not available
No Auth Required
Not available
User Registration
Not available
Login (Returns Token)
Not available
User List (Paginated)
Not available
Single User Fetch
Not available
User Create/Update/Delete
Not available
Delayed Responses
Not available
REST API
Not available
Active Liveness Detection
Not available
Deepfake & Spoofing Prevention
Not available
KYX Orchestration Platform
Not available
Public Per-Check Pricing
Not available
Nigerian BVN Verification
Not available
BVN Verification (Nigeria)
Not available
NIN Verification (Nigeria)
Not available
vNIN (Virtual NIN)
Not available
Phone Number Verification (Nigeria)
Not available
CAC Business Verification
Not available
Ghana SSNIT / Voters / Passport
Not available
Kenya National ID / Tax PIN
Not available
South Africa ID (SAID)
Not available
Document Capture / OCR
Not available
Face Match
Not available
Bank Account Linking (Connect Widget)
Not available
Transaction History Access
Not available
Income & Balance Verification
Not available
Bank Statement Retrieval
Not available
DirectPay (Direct Bank Debit)
Not available
Direct Debit (Recurring)
Not available
Identity Verification (BVN/NIN)
Not available
Business/CAC Verification
Not available
BVN Verification (Basic + Advanced)
Not available
Virtual NIN (vNIN) Verification
Not available
BVN + NIN + Phone in One API Call
Not available
FRSC Driver's License Verification
Not available
Vehicle Plate Number Verification
Not available
Stamp Duty Verification
Not available
Address Verification
Not available
Facial Recognition / Liveness Detection
Not available
AML / Sanctions Screening (RadarR)
Not available
Pan-African ID Verification (7 countries)
Not available
Device Intelligence & Fraud Detection
Not available
Real-time Bank Account Validation
Not available
Multi-Bank Virtual Accounts
Not available
Payouts to Bank Accounts
Not available
e-Commerce Plugin
Not available
International Cross-Border
Not available
Full-Page Screenshot
Not available
Element Selector Capture
Not available
Custom Viewport
Not available
JavaScript Rendering
Not available
Delay Parameter
Not available
Fresh Capture Mode
Not available
PNG Output
Not available
JPEG Output
Not available
Seasonal Forecasts
Not available
Agricultural Climate Data
Not available
Nigeria Coverage
Not available
Africa-Tailored Data
Not available
API Access
Not available
Real-time rates
Not available
Historical rates
Not available
Crypto rates
Not available
Currency conversion
Not available
NGN support
Not available
Historical climate data
Not available
Seasonal forecasting
Not available
Drought risk indicators
Not available
Rainfall analysis
Not available
Temperature trends
Not available
Card Payments (3DS & Non-3DS)
Not available
OPay Wallet QR Payment
Not available
Bank Account Direct Debit
Not available
Hosted Express Checkout
Not available
Refund API
Not available
WooCommerce Plugin
Not available
Card Payments (3DS + 2FA)
Not available
Internet Banking Transfers
Not available
Subscription Billing
Not available
Bill Payments API (SwitchIT)
Not available
Virtual Account Service
Not available
Instant Transfer
Not available
Wallet-as-a-Service (WaaS)
Not available
e-Invoicing API
Not available
Loan Mandate & Repayment (AntPeer)
Not available
IMTO Cross-Border Remittance
Not available
ePAPSS Pan-African Payments
Not available
Wallet Balance & Transactions
Not available
Virtual Account Generation
Not available
Merchant Onboarding API
Not available
Payment Links & Checkout
Not available
Payouts / Transfers
Not available
BVN / NIN Verification
Not available
Cash Collection
Not available
Refunds API
Not available
International Payments
Not available
NIN Verification (NIMC)
Not available
Virtual NIN (vNIN)
Not available
BVN Verification (NIBSS)
Not available
Voter ID Verification (INEC)
Not available
FRSC Driver's License
Not available
International Passport
Not available
Phone Number Verification
Not available
SmartSelfie Biometric Authentication
Not available
Document OCR + Verification
Not available
Liveness Detection (ISO 30107-3 L2)
Not available
Business Verification KYB
Not available
AML Screening
Not available
52-country African Coverage
Not available
9 Nigerian Government Databases
Not available
Crypto Buy/Sell (BTC, ETH, USDT, USDC)
Not available
Stablecoin Payment Acceptance
Not available
Instant NGN Settlement
Not available
Crypto Wallet Integration
Not available
Webhooks / Real-time Notifications
Not available
Multi-region High Availability
Not available
DeFi Protocol Integration (Lisk)
Not available
Fiat Card Payments
Not available
Virtual Accounts (Multi-Currency)
Not available
Direct Debit / Recurring
Not available
M-Pesa / Mobile Money
Not available
PayAttitude
Not available
Cross-Border Payments
Not available
Local Card Payments (Verve/Visa/Mastercard)
Not available
Transaction Dashboard
Not available
Merchant Report Export
Not available
One-Time Payments
Not available
Payload Tokenization
Not available
Customer Management
Not available
Address Verification Service (AVS)
Not available
Agent/Merchant Boarding API
Not available
Reporting API
Not available
Java SDK
Not available
C# / .NET SDK
Not available
FX / Multi-Currency
Not available
View Details

← Swipe to compare all 5 APIs →

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Ceviant Payments

Ceviant Payments

Ceviant Payments is a dual-regulated payment infrastructure company holding both a CBN Payment Solution Service Provider (PSSP) licence in Nigeria and FCA registration (FRN: 712297) in the United Kingdom. The company also operates under HMRC Anti-Money Laundering regulations and complies with the Payment Services Regulations 2017. This dual regulatory framework makes Ceviant one of the few payment providers that can serve enterprise clients operating across both Nigerian and UK financial systems under a single infrastructure partnership. Ceviant is also PCI-DSS certified for card data security. What the API Does The Ceviant Pay API enables businesses to automate payment processing across multiple channels — domestic bank transfers, card payments, and enterprise disbursements. A key differentiator is Ceviant's direct API connectivity to banks in emerging markets, allowing clients to connect with banking services outside of traditional banking channels without multiple bilateral integrations. The API is designed for enterprise trust, security, and scale. How Developers Use It API developer access is not self-serve — developers must contact Ceviant directly through their developers page at ceviant.co/developers. Once onboarded, API credentials are issued for integration. The platform is REST-based with enterprise-grade security controls. A sandbox environment is available for testing. Pricing Enterprise pricing only — not publicly listed. Ceviant targets institutional and enterprise clients with custom contracts based on transaction volume and corridors. Contact Ceviant through their website for pricing. Compliance CBN PSSP-licensed for Nigeria, FCA-registered in the UK, HMRC AML-registered, and PCI-DSS certified. Ceviant's dual licensing is a significant advantage for businesses with cross-border Nigeria-UK operations. Challenges and Gotchas (1) Not self-serve — requires direct sales engagement before any API access. (2) No consumer-facing checkout widget or self-service integration. (3) Pricing is entirely opaque. (4) No crypto or USSD support — purely traditional payment rails. (5) Best suited for enterprise; not designed for small startup self-integration. Company Background Ceviant is registered in the UK and Nigeria (RC: 1904697 as Ceviant Payments Nigeria Limited). The company is backed by Launch Africa Ventures and targets enterprise financial institutions, banks, and large fintechs needing compliant cross-border payment infrastructure between Africa and Europe. FAQs Q: Is Ceviant regulated in Nigeria? A: Yes. Ceviant holds a CBN PSSP licence in Nigeria. Q: Can Ceviant process UK and Nigerian payments? A: Yes. Ceviant is dual-regulated in the UK (FCA) and Nigeria (CBN), making it suitable for cross-border GBP-NGN operations. Q: Is there a sandbox? A: Yes. A developer sandbox is available after onboarding. Q: Can a startup integrate Ceviant independently? A: Ceviant is primarily enterprise-focused. Self-service API access is not available — contact their team directly. Ceviant's dual regulatory positioning — CBN PSSP licensed in Nigeria and FCA registered in the United Kingdom — makes it particularly relevant for Nigerian businesses with UK operations or serving UK-based customers, and for Nigerian fintechs seeking regulatory credibility with international partners and investors. The combination of Nigerian and UK regulatory recognition provides a foundation for cross-border payment operations that many purely Nigerian-licensed providers cannot offer. Direct bank API connectivity in emerging markets, as provided by Ceviant, enables more reliable and lower-latency payment processing than gateway intermediaries by establishing direct relationships with correspondent banks in target markets. For enterprise clients processing high-volume transactions in African markets where indirect routing can add settlement delays and introduce additional failure points, direct bank connectivity improves both reliability and settlement predictability. For Nigerian fintechs and financial institutions seeking to establish correspondent banking relationships for cross-border payment services, Ceviant's enterprise infrastructure and dual regulatory standing provide a compliant pathway to international payment rails that individual Nigerian fintechs would find difficult to establish independently through direct bank relationship development.

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Paga

Paga

Paga is one of Nigeria's oldest and largest mobile money platforms, founded in 2009 by Tayo Oviosu. Paga is operated by Pagatech Limited, a subsidiary of Paga Group Ltd (UK), and holds a CBN Mobile Money Operator license — one of the most comprehensive payment licenses in Nigeria. Paga also has NDIC (Nigerian Deposit Insurance Corporation) insurance coverage, meaning customer funds are protected up to ₦500,000. With over 20 million registered users and more than 30,000 agents across Nigeria, Paga has built deep financial infrastructure that it has opened to developers via the Paga Business API. The Paga Business API is a RESTful API accessed at developer-docs.paga.com. Unlike most Nigerian payment APIs that use standard Bearer tokens, Paga uses a custom authentication scheme based on SHA-512 HMAC hashing. Each API request requires three custom headers: principal (the organization's public ID), credentials (the organization password), and hash (an SHA-512 hash computed from specific request parameters combined with a secret hash key provided by Paga). This non-standard auth scheme means developers must implement the hashing algorithm correctly or all requests will fail — a common gotcha for developers new to the Paga API. The Paga Business API supports a wide range of financial operations beyond just payment collection. The moneyTransfer endpoint allows sending money to any Nigerian bank account or Paga account. The depositToBank endpoint specifically handles bank-to-bank transfers. The airtimePurchase endpoint buys airtime or data bundles for any major Nigerian network (MTN, Airtel, Glo, 9mobile). The merchantPayment endpoint enables payment to registered Paga merchants. The billPayment endpoint covers utilities and service payments including DSTV, GoTV, EKEDC, and other billers. The accountBalance endpoint retrieves current balance, and registerCustomer allows platforms to programmatically onboard new customers to Paga. A powerful feature is bulk transaction support — the Bulk Transfer API allows sending up to 300 transfer instructions in a single API call. This makes Paga highly efficient for Nigerian companies that run regular payroll, commission disbursements, or refund processing at scale. Paga also offers a Collect API — a payment request mechanism where a business generates a payment request for a specific customer, and the customer receives a notification to approve the payment from their Paga account or via USSD. This is similar to a payment link but operates within the Paga network. The Direct Debit API enables businesses to set up recurring debit mandates on customer accounts, allowing automatic deductions for subscriptions, loan repayments, and installment payments — a critical feature for Nigerian lending platforms and SaaS businesses. Pricing is competitive: P2P transfers between Paga accounts are free, making Paga attractive for platforms where both payer and recipient use Paga. Transfers to Nigerian bank accounts cost 1.5% of the transfer amount for card-funded transactions. A minimum fee of ₦10 applies. Enterprise API partners may negotiate custom pricing based on volume. The sandbox environment is available at beta.mypaga.com with test credentials. Live APIs run at mypaga.com. Moving from sandbox to production requires completing Paga's business onboarding process, which includes submitting your use case description, CAC registration documents, and director KYC. From a compliance perspective, Paga holds a CBN Mobile Money Operator license and is NDIC-insured. All transactions are processed within the CBN regulatory framework. Paga is also registered with the NDPR as a data processor. Paga has been operating since 2009 — one of the longest-standing fintech licenses in Nigeria. Known challenges: The SHA-512 HMAC authentication is non-standard and requires careful implementation. The API documentation uses older REST conventions that may feel less intuitive compared to Paystack or Flutterwave. Paga's coverage is strongest in regions where Paga agents are concentrated (North, Southwest Nigeria). Integration support is primarily email-based. Frequently Asked Questions: Why does Paga use SHA-512 hashing instead of Bearer tokens? Paga's authentication predates the widespread adoption of JWT Bearer tokens. The SHA-512 HMAC scheme ensures request integrity and authenticity without requiring TLS-only trust. Can I use Paga API without a Nigerian business? Paga requires a registered Nigerian business account for API access. The CBN licensing requirements mandate that only registered entities can access the Paga Business API. Does Paga support USSD payments? Yes — Paga's agent and consumer USSD product (*242#) is widely used. The Collect API leverages USSD as a notification and payment confirmation channel.

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Elipa

Elipa

Elipa Global is a licensed Payment Service Provider (PSP) built exclusively for FX brokers and retail trading platforms operating in Africa. Unlike general-purpose payment gateways, Elipa is engineered specifically for the demands of trading operations — where failed deposits mean lost funded accounts, delayed withdrawals damage trader trust, and payment issues become expensive support tickets. The platform currently operates in Nigeria and Uganda, with Tanzania and Rwanda in active implementation phases. What the API Does The Elipa API enables FX and trading platforms to process local deposits and withdrawals in African currencies — NGN in Nigeria and UGX in Uganda. Core capabilities include: local bank transfer deposit processing with automatic trader account crediting; withdrawal disbursement to trader bank accounts; redundant payment rails with automatic failover to backup providers; real-time transaction monitoring; and settlement controls with regulatory reporting. The API is designed for reliability and uptime over feature breadth — its singular focus is making sure payments work when traders expect them to. How Developers Use It API access requires direct engagement with Elipa. There is no self-service signup. Platforms must contact Elipa to initiate onboarding, during which API credentials are issued. The API is REST-based and tailored to the deposit/withdrawal flow of trading platforms. Integration support is provided by Elipa during onboarding. Pricing Not publicly listed. Elipa operates on enterprise contracts negotiated based on transaction volume and market. Contact Elipa directly for pricing. Compliance Elipa operates as a licensed PSP with built-in compliance infrastructure including transaction monitoring, settlement controls, and regulatory reporting support. This is not a workaround payment solution — it is a regulated provider for platforms that require proper licensing in each market. Challenges and Gotchas (1) Not a general-purpose payment gateway — cannot be used for e-commerce or consumer apps. (2) API access is by request only — no self-serve onboarding. (3) Pricing is fully opaque. (4) Coverage is currently limited to Nigeria and Uganda. (5) Platforms must themselves hold appropriate trading/FX licences to onboard with Elipa. Company Background Elipa Global is focused exclusively on the African FX trading infrastructure market. The company provides the payment layer that FX brokers rely on for trader fund management — a niche but critical infrastructure role in Africa's growing retail trading market. FAQs Q: Can I use Elipa for a regular Nigerian e-commerce store? A: No. Elipa is built exclusively for FX brokers and trading platforms. For e-commerce, use Paystack or Flutterwave. Q: Does Elipa support Nigeria? A: Yes. Nigeria is Elipa's primary market with full local deposit and withdrawal support. Q: Is there a sandbox? A: Contact Elipa directly — sandbox availability is not publicly confirmed. Q: What currencies does Elipa support? A: NGN (Nigeria) and UGX (Uganda) currently, with TZS and RWF in implementation. Elipa's FX deposit and withdrawal infrastructure is built around maximum reliability for retail forex platforms and brokerage operations where payment failures translate directly to customer attrition and support costs. The platform's 24/7 operational support model means that payment issues occurring outside Nigerian business hours — including during active trading sessions on international markets that run overnight and through weekends — have a support escalation path that can intervene and resolve problems rather than leaving merchants and customers waiting until the next business day. Automatic failover architecture in Elipa ensures that if a primary payment processing route experiences degraded performance or temporary unavailability, transactions are automatically rerouted to backup processing paths without manual intervention. For Nigerian forex platforms where customer deposit failures during volatile market conditions create both financial risk and customer experience damage, automated failover reduces the impact of individual payment infrastructure component failures below the level where they affect customers. The NGN-USD corridor is particularly important for Nigerian retail forex brokers operating under CBN guidelines for retail FX trading. Elipa's expertise in this corridor — understanding the regulatory context, the operational requirements, and the technical constraints of Nigerian FX payment processing — makes it a specialized infrastructure choice for forex platform operators rather than a generic payment provider applying general-purpose payment infrastructure to a specialized FX context.

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Onafriq (Baxi)

Onafriq (Baxi)

Onafriq (formerly MFS Africa) is Africa's largest digital payments gateway, operating across 40+ African countries and reaching over 500 million mobile wallets and bank accounts on the continent. In Nigeria, Onafriq operates the Baxi super-agent network — a branded agency banking network with over 460,000 active agents nationwide, covering both urban and rural areas. Baxi is one of Nigeria's largest super-agent networks and is used by streaming platforms, utilities, government agencies, and fintech companies to collect payments from and disburse to cash-preferred Nigerian consumers. Onafriq provides a unified API that connects businesses to its full collection and disbursement infrastructure across Nigeria and Africa. The API documentation is at docs.onafriq.com, and Onafriq Nigeria Payments Ltd holds a CBN Payment Service Provider license for all Nigerian operations. The Collections API enables businesses to receive payments through multiple channels: mobile money wallets (pan-African, where applicable), bank account transfers, debit cards, and cash payments via Baxi agents. This multi-channel collection capability is the core value proposition — a single API integration enables a business to collect from tech-savvy card users, bank transfer users, and cash-paying offline customers all at once. This is particularly powerful for Nigerian companies serving a diverse customer base that spans different income levels and digital adoption stages. For bill payments, Onafriq's Baxi network integrates with over 248 billers including electricity DISCOs (EKEDC, IKEDC, AEDC, and others), DSTV and GOtv subscription management, water corporation payments, and various government agencies. Businesses can integrate the Biller API to let their users pay any of these billers from within their application. The Disbursements API enables fast, secure payouts to bank accounts and mobile wallets across Nigeria. This is used by social protection programs (conditional cash transfers), agricultural buyers (paying farmers at harvest), insurance companies (claims payouts), and any platform that needs to send money to Nigerian recipients who may not have traditional bank accounts. A significant 2026 milestone was Onafriq's PAPSS (Pan-African Payment and Settlement System) integration, launched in partnership with Nigerian banks and mobile money operators. This enables wallet-based outbound payments from Nigeria to Ghana — a first step toward real-time pan-African interoperable payments using local currencies, bypassing USD correspondent banking for intra-African transfers. In January 2026, Showmax partnered with Baxi by Onafriq to offer Nigerian subscribers a new payment option for streaming subscriptions — allowing users to pay in person at any Baxi agent point without needing a bank card or mobile banking app. This demonstrates the commercial value of the Baxi network for digital businesses that want to capture Nigeria's large cash-preferred segment. Authentication for the Onafriq API uses Bearer Token or API Key credentials obtained through the developer portal. Enterprise integration partners may have specific authentication flows depending on their market and product. A sandbox environment is available for testing. Known challenges: Onafriq's developer documentation is less self-service-oriented than Paystack or Flutterwave — enterprise integration partnerships are the primary onboarding path. Nigeria-specific Baxi agent banking integration may require additional operational setup beyond just API access. Pricing is negotiated per partnership rather than published on a public pricing page. Frequently Asked Questions: Can I use the Baxi agent network without building a full integration? Baxi provides physical agent points where end customers can pay using reference codes — the integration generates a reference code that the customer presents at the Baxi agent. Full API integration is required to generate reference codes and reconcile payments. Is Onafriq the same as Baxi? Baxi is Onafriq's Nigeria-specific super-agent brand. Onafriq is the pan-African parent. The API covers all Onafriq products including Baxi. Does Onafriq support mobile money in Nigeria? Onafriq's mobile money expertise is strongest in East Africa (Kenya, Tanzania) and West Africa (excluding Nigeria, where mobile money adoption has been slower than agent banking). In Nigeria, the focus is on bank transfers and Baxi cash agents.

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SeerBit

SeerBit

SeerBit is a Nigerian payment gateway and pan-African payment infrastructure provider founded in 2019 by Omoniyi Kolade and Emmanuel Imam. SeerBit holds a CBN Payment Solution Service Provider (PSSP) license, is PCI-DSS certified, and has expanded beyond Nigeria to provide local payment acquiring in over 10 African markets including Ghana, Kenya, South Africa, Tanzania, Uganda, Côte d'Ivoire, Cameroon, Senegal, and others. This multi-country capability makes SeerBit unique among Nigerian payment gateways — developers can use a single SeerBit account and integration to accept local payment methods across anglophone and francophone Africa. The SeerBit API is RESTful with JSON payloads. Authentication uses two separate keys: a Public Key (used client-side to initialize the checkout widget in the browser) and a Secret Key (used server-side for all backend API calls including transaction verification, transfers, and refunds). Keys are obtained from the SeerBit merchant dashboard. Standard payments flow follows the initialize-then-verify pattern common in Nigerian gateways. SeerBit supports a comprehensive set of payment channels. For Nigeria: card payments (Visa, Mastercard, Verve) with 3D Secure 2.0, bank transfer checkout (virtual account assignment), USSD, direct debit, and cash collections via agents. For other African countries: mobile money (MTN Mobile Money, Orange Money, Airtel Money), local card networks, and bank transfers where available. This unified multi-channel API significantly reduces integration complexity for African-facing platforms. On pricing, SeerBit charges 1.5% per local Nigerian transaction capped at ₦2,000, with no setup fee. International card transactions are charged at 3.8% — slightly lower than Paystack (3.9%) and Monnify (4%), which can represent meaningful savings at scale. There is no monthly platform fee. Settlement occurs within 24 hours for Nigerian transactions. Rates for other African countries vary by market and are available from SeerBit's pricing page. SeerBit also offers SeerBit Alpha — a Banking-as-a-Service (BaaS) offering that enables fintechs and platforms to launch embedded financial products including wallets, virtual cards, lending, and savings features without building payment infrastructure from scratch. Alpha is targeted at Nigerian startups that want to go to market quickly with financial products. The Direct Debit feature allows businesses to set up debit mandates on customer bank accounts for recurring billing. Customers authorize the mandate once, and the platform can automatically debit them on a schedule. This is particularly useful for subscription-based products, loan repayment collection, and Nigerian SaaS companies billing in recurring cycles. The sandbox environment mirrors production. SeerBit provides test card numbers, simulated bank transfer flows, and test USSD responses for all supported channels. The sandbox is accessible immediately after creating a developer account. From a compliance standpoint, SeerBit is regulated by the CBN under the PSSP license category, which covers payment gateway, payment terminal service, and payment solution service operations. SeerBit is also PCI-DSS certified, ensuring all card data is handled and stored securely. The company is backed by Adaverse and other African-focused venture funds. Known challenges: SeerBit's documentation is functional but less polished than Paystack's. Community support resources (Stack Overflow answers, third-party tutorials) are more limited. Some advanced features like marketplace split payments are not yet available. For West African mobile money corridors in ECOWAS countries, SeerBit's coverage continues to expand. Frequently Asked Questions: How does SeerBit's international rate compare to competitors? SeerBit charges 3.8% for international cards compared to Paystack's 3.9% + ₦100 and Monnify's 4%. For high-value international transactions, SeerBit can be more cost-effective. Can I accept mobile money from Ghana and East Africa with SeerBit? Yes — SeerBit supports MTN MoMo, Airtel Money, and Orange Money in multiple African markets through the same API integration. Does SeerBit support Nigeria-to-Africa cross-border payouts? SeerBit is primarily a collection gateway. For cross-border payouts originating from Nigeria, complementary tools are needed.

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PayU Nigeria

PayU Nigeria

PayU Nigeria is the Nigerian operation of PayU, a global fintech company that provides payment technology to businesses across high-growth markets. PayU Nigeria offers a payment gateway API that enables Nigerian businesses to accept online card payments (Visa, Mastercard, and Verve), bank transfers, and digital wallet transactions from Nigerian customers and international buyers, with AI-powered payment routing and real-time analytics built into the platform. PayU operates in 20+ high-growth markets globally including India, Latin America, Southeast Asia, Central and Eastern Europe, and Africa. In Nigeria, PayU provides a locally regulated payment gateway through its Nigerian entity, delivering the combination of global payment technology expertise and local Nigerian payment method support that Nigerian e-commerce and enterprise platforms require. Card payment acceptance through PayU Nigeria covers the primary Nigerian card networks: Verve (the dominant domestic card with over 40 million cards issued by Interswitch), Visa, and Mastercard. Nigerian merchants using PayU can accept payments from Nigerian bank customers using their existing debit cards without any additional friction beyond the standard card payment flow. The integration supports both one-time payments and tokenized card-on-file for returning customer convenience. AI-driven payment routing is a differentiating capability of PayU's technology platform. When a payment is initiated, PayU's routing system evaluates available processing routes — different acquiring banks and payment channels — and selects the route most likely to succeed based on historical success rates, current network conditions, and transaction parameters. For Nigerian merchants experiencing card payment decline rates that are common in the market, intelligent routing can meaningfully improve authorization rates by selecting optimal processing paths for each transaction. The API integration model follows standard REST API patterns with JSON request and response structures. A merchant integration involves server-side calls to initiate payment, client-side redirect or hosted payment page for customer card entry, and webhook notifications for payment outcome delivery. The hosted payment page approach handles PCI DSS compliance for card data capture on PayU's infrastructure, removing PCI compliance scope from the merchant's server environment. PayU's payment page can be customized with merchant branding, allowing Nigerian businesses to maintain visual consistency between their application and the payment step rather than experiencing an abrupt design shift to a generic payment interface. Custom logos, colors, and page elements can be configured through the merchant dashboard or API parameters to match the merchant's brand identity. Multi-currency support in PayU Nigeria enables international card holders to pay in their home currency while the merchant receives settlement in naira. This dual-currency settlement capability is valuable for Nigerian businesses with international customer bases — e-commerce stores selling to the diaspora, tourism services, educational institutions accepting fees from international students — where providing prices and payment confirmation in the buyer's currency reduces purchase hesitation. Settlement through PayU Nigeria delivers merchant funds to a designated Nigerian bank account on a defined settlement cycle. PayU's enterprise support model provides Nigerian businesses with dedicated account management and technical support contacts, which is particularly relevant for large-scale merchants where any payment infrastructure issue has immediate high-value revenue impact requiring prompt resolution. Reporting and analytics through PayU's dashboard provide transaction-level visibility into payment volumes, authorization rates, decline reasons, and revenue trends. Nigerian finance teams and operations managers use this data for reconciliation, fraud pattern identification, and business performance monitoring. API-based reporting endpoints enable automated extraction of transaction data into internal reporting and accounting systems without relying on manual dashboard exports.

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Remita

Remita

Remita is Nigeria's most widely deployed government payment infrastructure platform, operated by SystemSpecs — a Lagos-based technology company founded in 1992. Remita is the payment engine behind the Nigerian Federal Government's Integrated Payroll and Personnel Information System (IPPIS), which processes salaries for over 1.7 million federal civil servants monthly. It is also integrated with the Government Integrated Financial Management Information System (GIFMIS), making Remita the de facto standard for Nigerian government financial transactions. Beyond government, Remita is used by over 100 Nigerian universities for school fees, thousands of corporate organizations for payroll and collections, and millions of individuals for bill payments. The Remita API is RESTful with JSON payloads and uses a multi-layer authentication scheme: OAuth 2.0 Bearer Token combined with a separate API-Key header. Both are required for all API calls. This double authentication layer is by design — given that Remita processes government and institutional transactions that carry higher security requirements than typical commercial gateways. OAuth 2.0 tokens are obtained by authenticating against the Remita token endpoint using merchant credentials. The API-Key is a static key assigned during merchant onboarding. Full API documentation is at api.remita.net. The core Remita Collections product works via a unique concept called the Remita Retrieval Reference (RRR). When an invoice or payment obligation is created via the Remita API, a unique 12-digit RRR code is generated. The payer can then present this RRR at any of Nigeria's 30+ bank branches, ATMs, mobile banking apps, or online banking portals and make the payment. Funds are automatically routed to the merchant's account, and Remita reconciles the transaction in real time. This multi-bank collection capability — where a single reference code is valid at every bank in Nigeria — is Remita's most powerful differentiator. The Collections API is available for all business types. Government-specific integrations (Ministries, Departments, and Agencies — MDAs) connect to Remita's TSA (Treasury Single Account) integration, which automatically sweeps collected funds to the CBN Treasury Single Account as mandated by the Federal Government's 2015 TSA policy. The Agency Banking API enables fintech platforms and banks to build agent banking products — where registered agents (typically airtime kiosks, POS shops, supermarkets) can process financial transactions on behalf of their customers. Remita's agent network spans rural and urban Nigeria. The Vending API provides programmatic access to utility top-ups: airtime and data purchases for all four major Nigerian networks (MTN, Airtel, Glo, 9mobile), electricity unit purchases for EKEDC, IKEDC, AEDC, BEDC, EEDC, JED, KAEDCO, and other NERC-licensed DISCOs, and DStv/GOtv subscription management. This makes Remita a convenient single integration point for platforms offering VAS (Value Added Services) products. The Direct Debit API enables businesses to set up standing debit mandates on customer bank accounts — automatically debiting on a schedule without requiring manual customer action for each transaction. This is used for insurance premium collection, loan repayments, and subscription services. Pricing for Remita is transaction-based and varies by product type (collections, transfers, vending). Unlike some gateways, Remita does not publish a flat public pricing table — rates are agreed during merchant onboarding and depend on volume and business type. Government entities and high-volume enterprises typically negotiate custom rates. The demo/test environment is available at remitademo.net, which mirrors all production functionality. Moving from demo to live requires completing Remita's merchant onboarding, which is more involved than typical payment gateways — reflecting the higher compliance requirements of its government-focused products. From a compliance standpoint, SystemSpecs Ltd (Remita's operator) holds CBN licensing and has SOC 2 Type II certification. Remita is also ISO 27001 certified for information security management. These certifications are required for the government contracts that form Remita's core business. Known challenges: Remita's developer documentation and API design are less modern than Paystack or Flutterwave. The API uses older REST conventions. The multi-layer authentication (OAuth 2.0 + API-Key) requires careful implementation. Merchant onboarding is more bureaucratic than self-service gateways. These trade-offs are acceptable for government and institutional clients where regulatory compliance outweighs developer experience. Frequently Asked Questions: Does Remita only serve government institutions? No — Remita is available to private businesses, educational institutions, and individuals. Government integration is its strongest use case, but any Nigerian business can use Remita for collections, payroll, and VAS. What is an RRR code? A Remita Retrieval Reference (RRR) is a unique 12-digit code generated for each payment obligation. Payers can use this code to pay at any Nigerian bank, ATM, or mobile app — making it ideal for widespread collection from diverse payment sources. Is Remita safe for government revenue? Yes — Remita is SOC 2 and ISO 27001 certified, and is the CBN-approved platform for federal government revenue collection under the Treasury Single Account policy.

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Zone (formerly AppZone)

Zone (formerly AppZone)

Zone (formerly AppZone) is Africa's first CBN-licensed blockchain-based payment switching and processing company, founded by Obi Emetarom and headquartered in Lagos, Nigeria. In 2022, Zone became the first blockchain-powered fintech to receive a Payment Switching and Processing License from the Central Bank of Nigeria — a historically significant milestone that validated blockchain technology as a legitimate payment infrastructure layer under Nigerian regulatory oversight. Zone provides banks, fintechs, and financial service providers with simple APIs for processing a broad range of payment transactions through a decentralized blockchain settlement layer. Unlike traditional payment switches (NIBSS, Interswitch) that rely on centralized clearing databases, Zone's blockchain infrastructure creates an immutable, transparent ledger of every settlement — reducing reconciliation disputes and eliminating the need for a trusted central intermediary between participating institutions. The Zone API enables developers to process: account-to-account fund transfers, ATM card withdrawals, POS (Point of Sale) card payments, merchant web and in-app payments, cash-in/cash-out at agent locations, and cross-border remittances. These are the core transaction types that flow through any payment switch — and Zone's blockchain layer provides transparent audit trails for all of them. Currently, Zone is connected to more than 15 of Africa's largest commercial banks. The company's onboarding model is B2B partnership-driven — typically targeting banks, licensed payment service providers, and institutional fintechs rather than individual developers seeking self-service access. Integration is handled through a technical partnership agreement, which reflects the institutional nature of payment switching infrastructure. Zone raised a $8.5 million seed round in March 2024, backed by investors including Flourish Ventures and Speedinvest, to scale its decentralized payment infrastructure across Nigeria and expand to additional African markets. The company's pre-Zone identity as AppZone gave it over a decade of established relationships with Nigerian commercial banks — making it one of the most deeply connected fintech infrastructure companies in Nigeria. Authentication for Zone's developer APIs uses API Key or OAuth credentials obtained through the Zone developer portal. A sandbox environment is available for testing. Given the institutional nature of the product, developer access is typically preceded by a commercial engagement with the Zone team. From a compliance standpoint, Zone holds the CBN Payment Switching and Processing License — the highest-tier payment infrastructure license in Nigeria. This license covers all transaction types processed through the Zone switch. All participating banks and fintechs must themselves hold appropriate CBN licenses for their respective payment activities. Known challenges: Zone's developer portal and self-service documentation are less accessible than consumer-facing gateways like Paystack. The B2B, institution-first model means individual developers cannot simply sign up and start testing. Additionally, the blockchain infrastructure, while innovative, adds a layer of complexity compared to traditional switches — institutions must understand the settlement model before integration. Frequently Asked Questions: Is Zone's blockchain public or private? Zone operates a permissioned blockchain — only CBN-licensed institutions can participate as nodes. It is not a public blockchain like Ethereum or Bitcoin. Can I use Zone as a regular merchant to accept card payments? Zone is a payment switch, not a merchant payment gateway. It provides infrastructure to banks and fintechs, who then offer payment services to merchants. Contact a Zone-connected bank or fintech for merchant payment solutions. How is Zone different from NIBSS? NIBSS is a centralized clearing system owned by all Nigerian banks. Zone is a decentralized, blockchain-based switch that competes with NIBSS's NIP system — offering an alternative routing path for interbank transfers with blockchain-based settlement transparency.

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Duplo

Duplo

Duplo is an API-first financial operating system for African businesses, providing a unified platform for B2B payments, expense management, virtual accounts, FX transfers, and NRS-compliant e-invoicing. Headquartered in Victoria Island, Lagos, Duplo is CBN PSSP-licensed, PCI DSS certified, ISO 27001 and 22301 certified, and NDPR-compliant. In early 2026, Duplo became one of the first Nigerian companies to secure dual NRS (Nigerian Revenue Service) licences for e-invoicing — a critical milestone as Nigeria moves toward mandatory digital invoicing for tax compliance. What the API Does The Duplo API enables businesses to: issue and manage virtual bank accounts; initiate bulk payments to up to 500 recipients simultaneously; process local and international card payments; perform FX conversions in 80+ currencies across 160+ countries; automate expense approval workflows with budget controls; perform auto-reconciliation of transactions; and generate NRS-compliant e-invoices. The platform is designed as both a business tool and an embeddable API layer for fintechs and platforms. How Developers Use It Developers access documentation at developers.tryduplo.com. Authentication uses API keys with clear environment prefixes: dp_test_ for test mode, dp_live_ for live mode. The API is REST-based with JSON payloads over HTTPS. All API calls must be made over HTTPS. Developers must complete compliance requirements before being granted live mode access. A sandbox environment is available for full testing. Pricing Local card transactions: 1.5% capped at approximately ₦1,200–₦1,300. International card transactions: 3.8%–4.0%. Custom volume tiers available for high-volume international processing. Contact Duplo for enterprise pricing. Authentication API keys are managed via the Duplo Dashboard. Test mode uses dp_test_ prefixed keys; live mode uses dp_live_ prefixed keys. Never share live keys publicly. Compliance CBN PSSP-licensed, PCI DSS, ISO 27001, ISO 22301, NDPR-compliant, and NRS dual-licensed for e-invoicing. Duplo is also expanding into South Africa via a partnership with Ozow for instant EFT payments. Challenges and Gotchas (1) Live mode requires completing compliance requirements — not instant. (2) Rate limits not publicly documented. (3) The NRS e-invoicing feature is relatively new and developers should check docs for current implementation status. (4) Duplo is B2B focused — not designed for high-volume consumer checkout flows. (5) International card fees (3.8–4%) are higher than local card fees. Company Background Duplo was founded in Nigeria by Yele Oyekola and Damola Ajao and is backed by prominent African and global VCs. The company is focused on solving the complexity of B2B financial operations in Africa, where businesses often manage payments through manual bank transfers, spreadsheets, and fragmented tools. Duplo consolidates this into a single API-first platform. FAQs Q: Does Duplo support bulk payments? A: Yes. Duplo supports bulk payments to up to 500 recipients in a single API call. Q: What is the fee for local card payments? A: 1.5% capped at approximately ₦1,200–₦1,300 per transaction. Q: Is there a sandbox? A: Yes. Test mode is available using dp_test_ API keys from your dashboard. Q: Does Duplo support e-invoicing for Nigerian tax compliance? A: Yes. Duplo holds NRS dual licences for NRS-compliant e-invoicing — one of the first Nigerian companies to do so. Q: Can Duplo handle international payments? A: Yes. Duplo supports 80+ currencies across 160+ countries with international card acceptance at 3.8–4.0%. Duplo's NRS-compliant e-invoicing capability supports Nigerian businesses' obligations under the Federal Inland Revenue Service's e-invoicing requirements, allowing platforms to generate and submit compliant electronic invoices as part of the B2B payment workflow rather than as a separate process.

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Busha

Busha

Busha is Nigeria's first SEC-licensed digital asset platform offering crypto infrastructure for businesses and developers across Africa. The company operates two distinct API products: the Commerce API for accepting crypto payments, and the Business API for building comprehensive crypto wallets, on/off-ramps, and treasury management tools. Busha supports seven African currency corridors including NGN (Nigeria), KES (Kenya), GHS (Ghana), UGX (Uganda), TZS (Tanzania), XOF (West Africa CFA franc), and RWF (Rwanda) — making it one of the broadest multi-corridor crypto APIs on the continent. What the API Does The Busha Commerce API enables businesses to accept crypto payments from customers and settle proceeds to their accounts. It supports crypto deposits, currency conversion, and payouts via a RESTful interface. The Business API goes further — supporting full wallet management, on-ramp (fiat to crypto), off-ramp (crypto to fiat), and multi-currency treasury operations. Busha also offers stablecoin holdings as an inflation hedge tool and corporate card issuance for expense management. How Developers Use It Developers access the Commerce API documentation at developers.commerce.busha.co and the Business API at docs.busha.io. Authentication is via API keys — specifically the X-BC-API-KEY header for Commerce API requests. Keys are obtained from the Settings > API Keys section of the Busha dashboard. The API follows REST conventions with JSON payloads over HTTPS. A sandbox environment is available for testing before going live. Pricing Fiat transactions in Nigeria: NGN 150 flat deposit fee; NGN 107.50 withdrawal fee (inclusive of 7.5% VAT). Crypto withdrawal fees vary by network (e.g., 0.00005 BTC for Bitcoin withdrawals). No public monthly API subscription fee — enterprise Business API access requires contacting Busha directly. Authentication Commerce API uses the X-BC-API-KEY header. Keys can be either a secret key or a public key depending on the operation. Secret keys are used for server-side operations; public keys for client-side. Compliance Busha holds a license from the Nigerian Securities and Exchange Commission (SEC), making it the first digital asset operator licensed by the SEC in Nigeria. This is a major compliance advantage for businesses that need to work with a regulated crypto platform. The company complies with Nigerian AML/KYC requirements and requires KYC verification for all business partners. Challenges and Gotchas (1) Commerce API and Business API are separate products with separate documentation — do not confuse them. (2) Rate limits are not publicly documented — high-volume integrations should confirm limits with Busha directly. (3) Fiat settlement is to NGN bank accounts only for Nigeria — no direct USD wire. (4) Enterprise Business API access may require more extensive onboarding than Commerce API. (5) Crypto volatility between deposit and conversion can affect settlement amounts if using non-stablecoins. Company Background Busha was founded in Nigeria and is headquartered in Lagos. The company began as a consumer crypto exchange and expanded into B2B crypto infrastructure, becoming the first platform to obtain an SEC digital asset operating licence in Nigeria. Busha targets both consumer users and business clients, with a growing enterprise segment offering treasury and payment APIs. FAQs Q: Is Busha regulated in Nigeria? A: Yes. Busha is Nigeria's first SEC-licensed digital asset platform, providing strong regulatory assurance for business partners. Q: What is the difference between Commerce API and Business API? A: Commerce API is for accepting crypto payments from customers. Business API provides full wallet, on/off-ramp, and treasury infrastructure for building your own crypto-enabled products. Q: Is there a sandbox for testing? A: Yes. Busha provides a sandbox environment for development and testing before production. Q: Can I use Busha to pay suppliers in Kenya from Nigeria? A: Yes. Busha supports cross-corridor settlements between NGN, KES, GHS, and other African currencies via crypto-backed rails. Q: What cryptocurrencies are supported? A: Bitcoin, Ethereum, USDT, USDC, BNB, Solana, and other major assets are supported across multiple blockchain networks.

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RoutePay Fintech

RoutePay Fintech

RoutePay Fintech Limited is a Nigerian payment technology company that received its Full Operating Licence from the Central Bank of Nigeria (CBN) as a Payment Solution Service Provider (PSSP) on January 12, 2023 — making it one of the newer entrants to Nigeria's regulated payment gateway space. The company is also certified by the Nigerian Communications Commission (NCC) for Value-Added Services, giving it a dual regulatory standing that covers both financial payments and telecoms-adjacent services like airtime and data transactions. Headquartered in Victoria Island, Lagos (Africa Re House, Plot 1679 Karimu Kotun Street), RoutePay operates under the leadership of CEO Abayomi Olomu and Group Managing Director Femi Adeoti (former MD of Inlaks). The company is registered as RoutePay Fintech Limited (RC 1872221) and uniquely owns a licensed microfinance bank subsidiary — Routelink Microfinance Bank Limited (RC 8836108) — enabling it to offer embedded merchant credit alongside payment processing, a rare combination in Nigeria's payment gateway landscape. **Omnichannel Payment Infrastructure** RoutePay is built as a truly omnichannel payment platform — not just an online gateway, but a complete payments infrastructure that covers every channel Nigerian consumers and businesses transact on: - **Web**: Browser-based checkout integration for e-commerce and business websites - **Mobile**: SDK and API integration for iOS and Android apps - **POS**: Physical terminal support for retail and hospitality merchants - **ATM**: ATM payment routing for cash-based and card-based transactions - **USSD**: Short code-based payment acceptance for feature phone users and financial inclusion scenarios This breadth of channels makes RoutePay particularly valuable for businesses that operate across both digital and physical environments, or for government institutions that need to serve citizens regardless of smartphone availability. **Core Payment Features** RoutePay supports card payments (debit and credit — Visa, Mastercard, Verve), direct bank transfers, USSD codes, QR code payments, and payment link generation. The payment link feature is specifically designed for social media sellers and informal businesses that take orders via WhatsApp, Instagram, or phone — allowing them to collect payments without a dedicated website. **Bill Payments API** Beyond payment acceptance, RoutePay provides a bill payments module covering: airtime top-up for all Nigerian mobile networks (MTN, Airtel, Glo, 9mobile), mobile data purchases, DSTV/GOtv/Startimes cable TV subscription renewals, and PHCN/DISCOs electricity prepaid token purchases. This module enables developers to build super-apps and lifestyle platforms with embedded utility payment capabilities. **Merchant Micro-loans via Routelink MFB** One of RoutePay's most distinctive features is its integration with Routelink Microfinance Bank. Merchants who process payments through RoutePay become eligible for micro-loans whose terms are informed by their transaction history and payment volumes on the platform. This provides Nigerian SMEs with access to working capital financing without the collateral requirements and bureaucratic overhead of traditional bank loans — the loan eligibility is earned through demonstrated business activity rather than pre-existing credit history. **Government & Institutional Payments** RoutePay explicitly targets government and public sector clients, enabling tax collection, licensing fee payment, regulatory fee submission, and institutional disbursements. The USSD channel support is particularly valuable here — it allows citizens in areas with limited internet access to make payments to government agencies using any mobile phone. **Security Architecture** RoutePay implements bank-grade AES encryption across all transactions, combined with two-factor authentication (2FA) for account access and a real-time fraud monitoring system. Auto-reversal protocols ensure that failed transactions are automatically reversed without manual intervention. The platform also offers account freeze capability for security incidents. **Tiered KYC System** RoutePay implements a Tier 1 / Tier 2 / Tier 3 KYC model for individual users, consistent with CBN's tiered KYC framework for digital financial services. Higher tiers unlock larger transaction limits — Tier 1 requires minimal information (BVN linkage), while Tier 2 and Tier 3 require progressively more documentation (government ID, address proof, enhanced verification). This tiered approach enables financial inclusion while managing regulatory compliance. **Authentication & API Access** RoutePay provides API access for developers through its developer portal. API credentials are issued after completing merchant KYC/onboarding. The API follows REST conventions with JSON request/response formats. For developer documentation and API access, developers can visit routepay.com/developers or contact sales@routepay.com. **Pricing** RoutePay charges no monthly maintenance fees. Transaction fees are per-transaction at industry-standard rates, with full transparency on charges — no hidden fees. Specific fee percentages are provided during merchant onboarding rather than published on the website. Micro-loan terms are governed separately by Routelink MFB's lending policies. **Challenges for Nigerian Developers** RoutePay's public developer documentation is less detailed than market leaders like Paystack or Flutterwave, and specific API specifications, authentication details, and rate limits are not publicly documented — requiring developer outreach to access. Recurring/subscription billing is not a documented product feature. For businesses that primarily need a straightforward online payment gateway with comprehensive public documentation, larger platforms may offer a smoother developer experience. **Frequently Asked Questions** Q: Is RoutePay licensed by the CBN? A: Yes. RoutePay holds a CBN PSSP Full Operating Licence granted January 12, 2023. Q: Does RoutePay support USSD payments? A: Yes — USSD is one of RoutePay's five supported payment channels, enabling payments from any Nigerian mobile phone. Q: What makes RoutePay unique compared to Paystack or Flutterwave? A: RoutePay's key differentiators are its omnichannel coverage (including ATM and USSD), its institutional/government payment capabilities, and its embedded micro-loan product through Routelink MFB. Q: Can my business get a loan through RoutePay? A: Merchants processing payments on RoutePay become eligible for micro-loans from Routelink MFB — eligibility and terms are based on transaction volume and history on the platform. Q: Does RoutePay have a sandbox for testing? A: Contact RoutePay's developer team at routepay.com/developers or sales@routepay.com for sandbox access details.

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Bloc

Bloc

Bloc is a Nigerian Banking-as-a-Service (BaaS) API platform that lets developers embed financial services directly into their products. Its banking infrastructure is provided through Bloc Microfinance Bank (Bloc MFB, CBN Licence No. FPR/LAD/CON/MFB/010/066, RC No. 7187722), a proprietary bank subsidiary rather than a third-party partnership — virtual account numbers issued through Bloc are native Bloc MFB account numbers, NDIC-insured up to ₦5 million. As of this review, Bloc's original developer-facing API portal (blochq.io) shows a "Launching Soon" placeholder rather than live product content, while Bloc MFB's direct banking site (blocmfb.com) is fully live, offering business accounts, supply chain financing, payroll disbursement, and payment collection directly to Nigerian businesses. This suggests the company's public-facing focus has shifted toward direct business/personal banking under the Bloc MFB brand; the standalone "embed Bloc's rails via API" product that this catalog entry originally described may be in transition, being rebuilt, or accessible only through direct sales contact rather than public self-serve signup. Developers interested in Bloc's API infrastructure should confirm current availability directly with the company before building on it. What the API previously offered (per Bloc's own documentation): four core products — Virtual Accounts (issuing NDIC-insured account numbers programmatically), Transfers (NIP transfers to any Nigerian bank), Bills Payment (airtime, data, electricity, cable TV, with a developer commission model), and Collections. Two virtual account types were supported: Fixed Accounts (persistent balance, can initiate transfers) and Collection Accounts (receive-only, for payment tracking). Authentication used a Secret Key from the Bloc Dashboard passed in request headers. Bloc MFB's current live business banking product (accessible directly, not via API) covers: NUBAN business accounts working across all Nigerian banks, vendor/supplier payments via NIP, bulk payroll disbursement, real-time transaction alerts, downloadable statements, multi-user role-based access, and supply chain financing (invoice financing, purchase order financing, supplier payment financing, working capital facilities). Security includes TLS 1.3 encryption, PIN authentication with device binding, and real-time fraud monitoring.

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VelvPay

VelvPay

VelvPay is a Nigerian payment gateway built specifically for local businesses, freelancers, SMEs, and startups that need an affordable, easy-to-integrate payment solution without the complexity or pricing overhead of larger platforms. Positioned as "a rising star" in Nigeria's fintech ecosystem, VelvPay differentiates itself through transparent flat-rate pricing, same-day settlement, built-in invoicing tools, and a local-first approach to customer support that understands the specific needs of Nigerian merchants. **What VelvPay Does** VelvPay provides a multi-channel payment acceptance platform that covers web checkout, mobile app payments, and in-person transactions. At its core, the platform allows Nigerian businesses to accept card payments (Visa, Mastercard, Verve) and bank transfers from customers, with settlement directly to the merchant's Nigerian bank account. The platform is accessible both through a developer API for technical integrations and through a merchant dashboard with no-code tools for non-technical users. **Pricing — 1% Local Transactions** VelvPay charges 1% per local NGN transaction — one of the more competitive rates in the Nigerian payment gateway market. There are no hidden charges on top of this fee. For international transactions, VelvPay applies a flexible fee structure (specific rates are provided during merchant onboarding). No publicly advertised monthly subscription fee is required, making it a low-risk choice for businesses with variable or seasonal transaction volumes. For context, this 1% flat fee compares favorably to other Nigerian gateways that charge 1.5%–2.5% per transaction — a meaningful cost difference at scale, particularly for businesses processing high volumes of low-to-mid-value transactions. **Same-Day Settlement** VelvPay offers same-day settlement, which means payments collected on a given business day are available in the merchant's bank account on the same day (subject to cut-off times). This is a significant advantage for cash-flow-sensitive small businesses and freelancers who cannot afford to wait 1–3 days for funds to clear. **Invoicing Tools** Unlike most payment gateways that focus purely on API integrations, VelvPay includes built-in invoicing tools in the merchant dashboard. Businesses can create professional invoices with a payment link embedded directly — the client clicks "Pay Now" and completes the payment via card or bank transfer. This makes VelvPay accessible to freelancers, consultants, and service businesses that don't have a website or e-commerce store. **API & Developer Tools** VelvPay provides a REST API for developers who need to integrate payment acceptance into websites, mobile apps, or backend systems. API keys are issued after completing merchant onboarding. The API follows standard patterns with JSON request/response formats and webhook notifications for payment lifecycle events (payment initiated, payment successful, payment failed). Documentation is available through the VelvPay developer portal. **Multi-channel Payment Acceptance** VelvPay supports three primary payment channels: - **Web checkout**: A hosted payment page or embeddable checkout widget for websites and web apps - **Mobile**: SDK/API integration for iOS and Android mobile applications - **In-person**: Payment acceptance at physical locations for retail, market vendors, and hospitality businesses **Nigeria Focus & Support** VelvPay is built exclusively for the Nigerian market. Customer support is local and understands the operational reality of Nigerian businesses — from intermittent banking system downtimes to the preferences of Nigerian consumers for specific payment methods. This localization is a meaningful advantage for businesses that find the support teams of international platforms less responsive to Nigeria-specific issues. **Compliance** VelvPay operates within Nigeria's CBN regulatory framework for payment service providers. Merchant onboarding includes standard Nigerian KYC requirements (CAC registration, director ID, business bank account) to comply with CBN anti-money laundering directives. **Challenges & Limitations** VelvPay is smaller than market leaders Paystack and Flutterwave, which means its ecosystem of plugins, third-party integrations, and developer community resources is less extensive. Recurring/subscription billing and bulk payout APIs are not documented as current product features. USSD payments and split payment capabilities are also absent. For businesses that need deep payment infrastructure (marketplace payment splitting, cross-border payouts, card issuance), a larger platform may be more appropriate. However, for straightforward payment collection and invoicing in Nigeria, VelvPay's simplicity and pricing are competitive advantages. **Frequently Asked Questions** Q: What is the transaction fee on VelvPay? A: 1% per local NGN transaction with no hidden charges. International transaction fees are flexible — contact VelvPay for current rates. Q: Does VelvPay offer same-day settlement? A: Yes. Payments collected are typically settled to the merchant's bank account the same business day. Q: Do I need a CAC-registered business to use VelvPay? A: A CAC registration is required for production merchant access. Test/sandbox credentials can be obtained for development testing before completing KYC. Q: Does VelvPay support recurring billing? A: Recurring/subscription billing is not a documented current feature — use Paystack or SPay if you need automated recurring charges. Q: Is VelvPay available outside Nigeria? A: VelvPay is designed for the Nigerian market. Non-Nigerian businesses should explore international gateway options.

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Interswitch

Interswitch

Interswitch Group is Nigeria's pioneering payment infrastructure company and the creator of the Verve card network — the most widely used debit card in Nigeria with over 35 million cardholders. Founded in 2002 and listed on the Nigerian Stock Exchange, Interswitch owns and operates Nigeria's core payment switching infrastructure, connecting virtually all Nigerian banks. The company provides developer access to its infrastructure through the Interswitch Developer Center and the Quickteller Business platform. What the API Does The Interswitch API ecosystem covers multiple products: (1) Quickteller SVA — access to 3,000+ billers for airtime vending, utility payments, and transfers to all Nigerian banks and selected African mobile wallets; (2) Quickteller Business — a comprehensive payment gateway for card acceptance, USSD, QR, hosted fields, and mobile SDKs; (3) Virtual Accounts — for NGN collections via dedicated account numbers; (4) NIP Instant Transfers — for bank-to-bank transfers across the Nigerian banking system. How Developers Use It Developers sign up at docs.interswitchgroup.com, create an app in the developer console, and obtain a Client ID and Secret Key for OAuth 2.0 authentication. The API uses standard OAuth 2.0 authorization to generate access tokens. A sandbox environment is available for testing with test credentials. Integration options include REST API, hosted fields (for PCI-compliant card capture), web gateway, and mobile SDKs. Pricing Integration is free — no setup or monthly fees. Local transactions (cards, USSD, QR): 1.5% capped at ₦2,000. 7.5% VAT applies to all transaction fees. Volume-based custom pricing available for high-volume merchants — contact sales. Authentication OAuth 2.0 using Client ID and Secret Key from the developer console. Access tokens are generated and included in API request headers. Token expiry and refresh are managed per OAuth 2.0 standards. Compliance Interswitch is CBN-licensed, PCIDSS certified, and regulated as a switching and processing company under Nigerian financial regulations. As an NSE-listed company it is subject to SEC and public disclosure requirements. Challenges and Gotchas (1) OAuth 2.0 is more complex to implement than simple Bearer token APIs — requires proper token management. (2) Quickteller SVA and Quickteller Business are separate products with different documentation. (3) Settlement takes up to 48 hours — not instant. (4) Verve card processing is Interswitch's core strength; for international card processing, competitors like Paystack may offer better rates. Company Background Interswitch was founded in 2002 by Mitchell Elegbe in Lagos. The company processes hundreds of millions of transactions monthly and serves over 40,000 merchants across Nigeria. Interswitch is valued at over $1 billion, making it one of Africa's fintech unicorns. Products include Verve, Quickteller, Paydirect, and eClat. FAQs Q: What is the fee for local card transactions? A: 1.5% capped at ₦2,000, plus 7.5% VAT on the fee. Q: Does Interswitch support 3,000+ billers? A: Yes. Quickteller SVA gives access to airtime, utilities, and thousands of Nigerian billers. Q: What authentication does Interswitch use? A: OAuth 2.0. You get a Client ID and Secret Key from the developer console to generate access tokens. Q: Is there a sandbox? A: Yes. Available at docs.interswitchgroup.com with test credentials. Interswitch's Verve card network — with over 40 million active cards issued by virtually every Nigerian bank — is one of the most important domestic payment assets in the country. Merchants and platforms integrated with Interswitch gain acceptance of Verve cards, which are the primary debit cards for millions of Nigerian bank customers who may not have international Visa or Mastercard credentials. For consumer-facing Nigerian businesses where Verve card acceptance determines accessibility to a large portion of the Nigerian banked population, Interswitch integration is often essential rather than optional. The NIP (NIBSS Instant Payment) switch that Interswitch helps power enables instant settlement between banks across Nigeria, with transactions completing within seconds rather than the 24-hour windows of older payment systems. For Nigerian businesses where payment confirmation delays affect operational workflows — logistics companies confirming payment before dispatch, service providers starting work after payment, retailers managing inventory allocation — NIP instant payment confirmation through Interswitch's infrastructure removes settlement uncertainty from business operations. Interswitch's three-plus decades of operation in Nigeria represent institutional knowledge of Nigerian payment infrastructure that newer entrants cannot match. The company has navigated multiple CBN regulatory cycles, multiple technology infrastructure shifts, and the evolution of Nigerian consumer payment behavior from cash to cards to mobile. For Nigerian enterprises selecting long-term payment infrastructure partners, this institutional longevity and demonstrated resilience is a meaningful factor in vendor selection.

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Unlimit (formerly CardPay)

Unlimit (formerly CardPay)

Unlimit (formerly known as CardPay, then Unlimint) is a global financial technology company with over 15 years of experience in international payment infrastructure. Headquartered across multiple regional offices and operating in 200+ locations worldwide, Unlimit provides payment processing, multi-currency business accounts, Banking-as-a-Service (BaaS), and cryptocurrency on/off-ramp services to merchants, platforms, and financial institutions globally. Africa — specifically Nigeria, Kenya, and Tanzania — is explicitly listed as a supported region in Unlimit's global coverage. The company has undergone a notable branding evolution: originally known as CardPay, it rebranded to Unlimint, and subsequently to Unlimit (the current brand). Its core payment processing technology remains under the CardPay API specification (version 2.70), which continues to be used by integrators and is documented at integration.unlimit.com. The legacy GitHub repositories can be found under the "cardpay" organization on GitHub, reflecting the original brand. **Core Products** 1. **Payment Gateway** — Unlimit's flagship product: accepting card payments, local payment methods, and alternative payment methods (APMs) from customers in 200+ locations. The gateway supports over 1,000 payment methods — an exceptionally broad catalog that includes regional methods specific to Africa, Latin America, Asia-Pacific, Europe, and India. For Nigerian merchants, this means access to local Nigerian payment methods alongside international Visa, Mastercard, and Amex cards. The gateway supports both Payment Page Mode (where customers enter card details on Unlimit's hosted checkout page) and Gateway Mode (server-to-server, where the merchant's own application handles card data collection under PCI DSS compliance). 2. **Unlimit Accounts** — Multi-currency business accounts that allow businesses to hold, send, and receive funds in 30+ currencies. These accounts come with integrated card issuance for business spending and are accessible programmatically via API. For Nigerian businesses operating internationally, this provides a way to maintain USD, EUR, and GBP balances without going through traditional Nigerian commercial bank FX channels. 3. **Banking as a Service (BaaS)** — A white-label financial infrastructure layer that enables fintechs and non-bank businesses to offer card issuing, payment processing, and banking features under their own brand. The BaaS offering connects to SEPA (Euro transfers), SWIFT (international transfers), and BACS (UK transfers) payment rails. 4. **Unlimit Crypto** — An on/off-ramp service for crypto-native platforms: DeFi protocols, GameFi platforms, NFT marketplaces, and crypto exchanges can accept fiat currency from users and pay out in cryptocurrency (or vice versa) using Unlimit's crypto conversion infrastructure. **API Architecture & Authentication** The Unlimit (CardPay) API uses terminal-based credentials for authentication. Each merchant is assigned a Terminal Code and Password, which are used to generate SHA-512 HMAC signatures for request authentication — providing tamper-evident server-to-server authentication. OAuth 2.0 is used for certain API flows. The API has two primary modes: Payment Page Mode uses redirect-based flows, while Gateway Mode enables direct card processing on the merchant's own checkout page (requiring PCI DSS certification). The API is documented at integration.unlimit.com and legacy references appear on integration.unlimint.com (which redirects). **Sandbox Environment** Unlimit provides a sandbox environment for integration testing. Developers can simulate payments, test 3D Secure flows, and validate webhook integrations without processing real transactions. Sandbox credentials are separate from production credentials. **3D Secure & Fraud Prevention** Unlimit supports 3D Secure (3DS1 and 3DS2) for card authentication. In 3DS2 flows, Unlimit can collect additional customer authentication data either from the merchant's side or through an intermediate authentication page. This reduces chargebacks and strengthens payment security — particularly important for high-risk verticals like gaming, travel, and international e-commerce. **Recurring & Subscription Billing** Unlimit's gateway supports recurring payment schedules, making it suitable for subscription businesses that need to charge customers on weekly, monthly, or annual cycles without requiring manual card entry for each period. **Africa & Nigeria-Specific Context** Nigeria is one of three African markets explicitly listed in Unlimit's geographic coverage (alongside Kenya and Tanzania). For Nigerian merchants, this means Unlimit supports local Nigerian payment methods in addition to international cards. However, Unlimit is not a Nigerian-native payment provider — it is a global gateway that supports Nigeria as part of its multi-regional infrastructure. Businesses primarily serving the Nigerian domestic market may find Nigerian-native gateways (Paystack, Flutterwave) more deeply integrated with local payment methods and better suited to local developer support. Unlimit's strongest value proposition for Nigerian-connected businesses is multi-currency acceptance and serving international customer bases that include Nigeria. **Pricing** Unlimit does not publicly list pricing. Commercial terms are negotiated on a per-merchant basis depending on transaction volume, payment methods, geographic coverage, and vertical (gaming, travel, e-commerce, etc.). Merchants must contact Unlimit's sales team for pricing. This is typical for enterprise-grade global payment gateways. **Compliance & Licensing** Unlimit operates under financial services licenses in multiple jurisdictions. The company implements KYC and AML processes for merchant onboarding. Specific license details for Nigerian operations are not publicly disclosed — Unlimit operates as an international payment processor interfacing with Nigerian payment infrastructure rather than holding a direct CBN license. **Frequently Asked Questions** Q: Is Unlimit the same as CardPay? A: Yes. Unlimit was previously known as CardPay, then rebranded to Unlimint, and now operates as Unlimit. The core API documentation remains under the CardPay/CardPay API versioning. Q: Does Unlimit support Nigerian payment methods? A: Nigeria is explicitly listed as a supported market. Unlimit supports local Nigerian payment methods alongside international cards. Q: What is the difference between Payment Page Mode and Gateway Mode? A: Payment Page Mode redirects customers to Unlimit's hosted checkout for card entry. Gateway Mode processes card data directly on the merchant's site (requires PCI DSS compliance). Q: Is self-serve onboarding available? A: No. Merchant onboarding requires contacting Unlimit sales for custom pricing and a commercial agreement. Q: Does Unlimit support crypto payments? A: Yes. Unlimit Crypto provides on/off-ramp services enabling fiat-to-crypto and crypto-to-fiat conversions for DeFi, GameFi, and NFT platforms.

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ErcasPay

ErcasPay

ErcasPay is a CBN PSSP-licensed, PCI DSS-certified, and NDPA-compliant multicurrency payment gateway built specifically for Nigerian businesses. The platform supports 8 currencies — NGN, USD, GBP, EUR, CAD, GHS, GMD, and KES — enabling Nigerian merchants to accept both local and international payments through a single API integration. ErcasPay processes transactions from 5,000+ businesses and has offices in Lagos, Abuja, and Ibadan. What the API Does The ErcasPay REST API enables developers to: initiate and process local card payments (Verve, Visa, Mastercard), bank transfers, USSD, and QR code payments; accept international card payments in 7 foreign currencies; issue and manage virtual account numbers for NGN collections; generate payment links; and create invoices. The API uses separate sandbox and live environments with distinct base URLs. How Developers Use It Developers create an account at ercaspay.com, obtain API keys from the dashboard under developer settings, and integrate using the documentation at docs.ercaspay.com. Authentication uses Bearer tokens with secret keys prefixed ECRS-TEST-SK (sandbox) and ECRS-LIVE-SK (live). Sandbox base URL: api-staging.ercaspay.com/api/v1. Live base URL: api.ercaspay.com/api/v1. All requests require Accept: application/json and Content-Type: application/json headers. Pricing Local transactions (cards, bank transfer, QR, USSD): 1.4% per transaction, capped at ₦2,000. International card transactions: 4.8% per transaction. International payments first settle to a USD wallet; conversion to NGN is triggered from there. A 10% rolling reserve is applied on international card transactions, held for 180 days — refundable if no chargebacks occur. No monthly subscription fee. Authentication Bearer token authentication. Secret key placed in the Authorization header as "Bearer {SECRET_KEY}". Separate keys for test and live modes. Keys managed from the ErcasPay Dashboard. Compliance CBN PSSP-licensed, PCI DSS certified, and compliant with the Nigeria Data Protection Act (NDPA). Multi-location presence in Lagos, Abuja, and Ibadan. Challenges and Gotchas (1) 10% rolling reserve on international card transactions held 180 days can be a significant cash flow constraint for new merchants. (2) International payments do not settle directly in NGN — they go to a USD wallet first. (3) No recurring billing or split payment support currently. (4) Rate limits not publicly documented — confirm with ErcasPay before high-volume implementations. Company Background ErcasPay is operated by ErcasPay Nigeria Limited, headquartered in Lagos with offices in Abuja and Ibadan. The company targets Nigerian businesses of all sizes needing a reliable, multi-currency alternative payment gateway. FAQs Q: What is the fee for local card payments? A: 1.4% capped at ₦2,000 per transaction. Q: Does ErcasPay support USSD payments? A: Yes. USSD is supported at the same 1.4% (capped ₦2,000) local rate. Q: What currencies can I accept through ErcasPay? A: NGN, USD, GBP, EUR, CAD, GHS, GMD, and KES — 8 currencies total. Q: Is there a sandbox? A: Yes. Sandbox at api-staging.ercaspay.com/api/v1 using ECRS-TEST-SK keys. Q: What is the rolling reserve? A: A 10% hold on international card transaction amounts, retained for 180 days. It is refunded in full if no chargebacks are filed during that period. ErcasPay's multi-currency acceptance — NGN plus USD, GBP, EUR, CAD, and additional international currencies — enables Nigerian merchants to accept payments from both domestic customers paying in naira and international customers paying in their home currency. This dual-currency capability in a single gateway integration eliminates the need for separate domestic and international payment gateway relationships, reducing integration complexity and ongoing vendor management for Nigerian businesses serving both local and global customer segments. PCI DSS certification at ErcasPay ensures that card data handling meets international security standards, protecting Nigerian merchants from the liability and reputational risk of card data breaches. For Nigerian SMEs that lack the resources to implement independent PCI compliance infrastructure, using a certified gateway like ErcasPay allows them to accept card payments within a compliant infrastructure environment without bearing the cost and complexity of independent certification.

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Termii

Termii

Termii is a Nigerian-founded communications API platform delivering SMS, voice OTP, email, and WhatsApp messaging with a primary focus on serving Nigerian and African businesses who need the highest possible delivery rates for transactional messages to Nigerian mobile subscribers. As a company founded in Lagos and built by Nigerians, Termii has developed specialized expertise in Nigerian carrier OTP delivery — particularly the DND bypass routing for transactional messages that is critical for fintech, healthcare, and authentication applications where OTP delivery failure means user lockout and abandoned transactions. The Termii SMS API reaches all four Nigerian mobile networks (MTN, Airtel, Glo, 9mobile) with NGN-denominated pricing and delivery infrastructure optimized for the Nigerian telecom environment. Termii's routing intelligence distinguishes between message types — automatically applying transactional routes that bypass DND for OTPs and critical notifications, while routing promotional messages through standard channels with DND compliance. This automatic routing optimization reduces developer complexity and ensures the right delivery path is used for each message type. OTP delivery is Termii's core product and competitive strength. Termii Token — their OTP management API — provides a complete managed verification flow: request a token, Termii generates and sends it via SMS or voice, the developer submits the user-entered code to verify. Termii handles code generation, expiry (configurable 1-60 minutes), multi-channel fallback, and verification logic. Nigerian fintech apps, e-commerce platforms, and healthcare systems can integrate Termii Token to implement secure phone verification without building any OTP infrastructure themselves. Voice OTP through Termii calls the recipient's Nigerian number and reads the code via text-to-speech. This is deployed as an automatic fallback when SMS OTP fails to deliver within the configured timeout — Termii's system can automatically retry via voice call if SMS delivery is not confirmed. For Nigerian banking apps where every failed OTP leads to a lost transaction or a customer service call, the voice fallback measurably improves verification success rates. WhatsApp Business messaging through Termii enables sending WhatsApp template messages to Nigerian customers — order notifications, delivery updates, account alerts, and OTP codes through WhatsApp. Termii's WhatsApp API integration means Nigerian businesses can add WhatsApp to their notification channels without a separate Meta Business API engagement. WhatsApp delivery of OTPs achieves extremely high open rates compared to SMS in Nigeria, where WhatsApp notifications are typically checked within minutes. Email notifications through Termii cover transactional email delivery for Nigerian applications — verification emails, password resets, system alerts, and notification messages. The Termii API supports HTML and plain text email, with sender domain customization for branded from-addresses. Termii provides a developer sandbox for testing API calls against simulated Nigerian network responses without real delivery costs, enabling Nigerian developers to build and test complete notification flows before going live. SDKs are available for JavaScript, Python, and PHP. Pricing is freemium with a free trial credit and paid plans in NGN for production use. Termii's developer sandbox environment and comprehensive API documentation make it one of the easiest Nigerian communications platforms to onboard, with support available through their Lagos-based team. Nigerian fintech startups consistently rate Termii as the top Nigerian-specific OTP delivery solution for their authentication infrastructure.

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CashEnvoy

CashEnvoy

CashEnvoy is one of Nigeria's earliest payment gateways, operated by E-Settlement Limited (ESL) and regulated by the Central Bank of Nigeria. The platform enables Nigerian merchants to accept online payments from customers using Nigerian debit cards (Verve, Visa, Mastercard), international cards, and the CashEnvoy wallet. The company claims to have processed over 10 million transactions and serves 5,000+ active merchants. What the API Does The CashEnvoy API enables developers to integrate payment processing into websites and applications, accepting NGN and USD transactions. Core capabilities include card payment acceptance (Verve, Visa, Mastercard), CashEnvoy wallet payments, and multi-currency support. The integration process is described as developer-friendly with API documentation provided through the merchant portal. How Developers Use It Developers create a merchant account at cashenvoy.com, obtain API keys from the dashboard, and integrate using the provided documentation. Authentication is via API key from the merchant dashboard. The API enables payment initiation, transaction verification, and merchant settlement processing. Pricing CashEnvoy does not publish its transaction fees publicly. As a CBN-regulated payment gateway, fees are likely in line with Nigerian payment industry standards. Contact CashEnvoy directly for current fee schedules. Compliance CashEnvoy is regulated by the Central Bank of Nigeria (CBN), which means it must comply with Nigerian payment system regulations, PCI-DSS standards for card processing, and merchant onboarding requirements including KYC for businesses. Challenges and Gotchas Important considerations: (1) CashEnvoy has a reported headcount of 1 employee as of early 2026 — this raises legitimate concerns about support responsiveness, active development, and long-term platform viability. (2) The platform is functional but far less actively developed than Paystack or Flutterwave. (3) API documentation is limited and not publicly accessible without account creation. (4) No support for newer payment methods like bank transfer checkout, USSD, or crypto. (5) Developers should carefully evaluate support SLAs and integration longevity before choosing CashEnvoy over more actively maintained alternatives. Company Background CashEnvoy was founded as one of Nigeria's early digital payment platforms and is operated by E-Settlement Limited. It was a notable player in the early Nigerian fintech ecosystem, predating the Paystack era. While the platform remains operational, it has not kept pace with the growth and feature velocity of newer Nigerian payment gateways. FAQs Q: Is CashEnvoy still active in 2026? A: The website is live and the API appears functional. However, the company reportedly has a very small team which may affect support and future development. Q: Does CashEnvoy accept Verve cards? A: Yes. CashEnvoy accepts Nigerian debit cards including Verve, Visa, and Mastercard. Q: What currencies does CashEnvoy support? A: NGN (Nigerian Naira) and USD are supported. Q: Should I use CashEnvoy for a new project? A: For new projects, consider Paystack or Flutterwave as primary options given their active developer ecosystems, robust documentation, and larger support teams. CashEnvoy may be suitable as a fallback or for specific existing integrations. CashEnvoy's wallet payment system complements card and bank transfer acceptance by allowing customers who have funded CashEnvoy wallets to pay merchants directly from their wallet balance. As an alternative payment method category, wallet-to-merchant payments reduce the friction associated with card entry for repeat customers who prefer stored payment methods. For Nigerian subscription services, recurring billing platforms, and marketplaces where repeat transactions are common, CashEnvoy wallet acceptance adds a payment option that returning customers may prefer over repeated card entry. For smaller Nigerian merchants and independent sellers who find leading payment gateways like Paystack or Flutterwave either difficult to qualify for or more feature-rich than their simple needs require, CashEnvoy provides a usable gateway option with straightforward onboarding and standard payment acceptance features. The competitive Nigerian payment gateway market means that having multiple provider options benefits merchants through pricing pressure and choice of provider based on specific feature, fee, or relationship preferences.

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SPay Business Solutions

SPay Business Solutions

SPay Business Solutions Ltd is a Nigerian payment technology company offering a streamlined payment gateway designed specifically for Nigerian businesses, SMEs, freelancers, and service providers who need to accept online payments without complex infrastructure. Operating under the tagline "Payment Simplified!", SPay focuses on making payment collection accessible to businesses of all sizes — from solo freelancers generating payment links to online stores integrating a full checkout API. **What SPay Does** SPay provides a payment processing platform with four core capabilities: online payment acceptance, virtual account creation, payment link generation, and subscription/recurring billing management. These services are accessible via a RESTful API documented through readme.io, as well as via the SPay merchant dashboard for non-technical users who need payment links without coding. **Payment Acceptance API** SPay's payment API allows merchants to initiate payment sessions, redirect customers to a hosted payment page or embed a checkout widget, and receive payment confirmation via webhooks. The API handles both card payments and bank transfer acceptance, giving merchants multiple collection channels in a single integration. Standard REST API conventions are followed, with responses in JSON format and test payment tools provided for developer integration testing. **Virtual Accounts via First Bank of Nigeria** One of SPay's distinguishing features is its integration with First Bank of Nigeria for virtual account issuance. Merchants can programmatically create unique Nigerian bank account numbers (virtual accounts) that are tied to a specific customer or transaction. When a customer makes a bank transfer to the virtual account, SPay detects the payment in real time and notifies the merchant via webhook — enabling seamless bank transfer payment collection without manual reconciliation. This is particularly valuable for Nigerian consumers who prefer bank transfers over card payments. **Payment Links** SPay allows merchants to generate shareable payment links from the dashboard or via API — links that customers can open in a browser to complete a payment. This makes SPay accessible to businesses without a website, allowing freelancers, event organizers, and service businesses to collect payments via WhatsApp, email, or social media with zero code required. **Subscription & Recurring Billing** For SaaS products, membership platforms, schools, and subscription boxes, SPay offers a recurring billing module that handles automated charge schedules on weekly, monthly, or annual cycles. Merchants set up subscription plans, customers authorize the recurring payment, and SPay manages the billing cycle, retry logic for failed payments, and subscription lifecycle events. **Authentication** SPay uses API key-based authentication. Merchants receive API credentials (public key and secret key) after completing the merchant onboarding and KYC process on the SPay dashboard. API keys are passed in request headers for all API calls. Test mode credentials are provided separately and can be used to test integrations without processing real transactions. **Merchant Onboarding & KYC** To go live on SPay, merchants must complete a KYC process that includes providing business registration details (CAC certificate), bank account information for settlement, and identity verification for directors. This is standard practice for all Nigerian payment gateways operating under CBN regulatory requirements. Developers and businesses can test the API with test credentials before completing KYC — making it easy to build and validate integrations before going live. **Sandbox / Test Environment** SPay provides test payment capabilities for developers to simulate transactions and validate integrations without real money movement. The documentation on readme.io includes response codes and test scenarios. **Pricing** SPay uses a commission-based pricing model — merchants pay a percentage of each transaction processed. Specific fee percentages are not publicly listed on the website; merchants receive a pricing schedule upon completing merchant onboarding. No publicly advertised monthly subscription fee has been found. **Nigeria Context & Regulatory Standing** SPay is a Nigeria-focused payment company serving Nigerian merchants under CBN payment regulations. Banking partner arrangements, including the First Bank virtual account integration, operate within Nigeria's licensed payment infrastructure. SPay is suitable for Nigerian businesses that want a simpler, more focused payment solution compared to the complexity of larger platforms like Paystack or Flutterwave — particularly for businesses that primarily need virtual accounts and payment links rather than a full payments ecosystem. **Challenges for Nigerian Developers** SPay is a smaller gateway with fewer integrations and ecosystem tools compared to market leaders like Paystack or Flutterwave. The public documentation, while functional, is not as comprehensive or community-supported as larger platforms. Bulk payout/transfer capabilities, USSD payments, and POS integration are not available in the current product offering. International card acceptance (non-NGN) is also not documented as a supported feature. **Frequently Asked Questions** Q: Does SPay support USSD payments? A: No. SPay currently supports card payments and bank transfers via virtual accounts — not USSD. Q: Can I use SPay without a registered business (CAC)? A: A CAC-registered business is required for production access. Developers can test with sandbox credentials before completing KYC. Q: How are virtual accounts created through SPay? A: Virtual accounts are issued in partnership with First Bank of Nigeria via the SPay API — each account receives a unique Nigerian bank account number that customers can transfer to. Q: Does SPay support international payments? A: SPay is primarily focused on NGN payments for Nigerian customers. International card acceptance is not a documented feature. Q: Is there a recurring billing feature? A: Yes — SPay includes a subscription management module for automated recurring billing on daily, weekly, monthly, or annual schedules.

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Dojah

Dojah

Dojah is an AI-powered identity verification and fraud prevention infrastructure platform trusted by African and global businesses for KYC, AML compliance, biometric authentication, and secure customer onboarding. Built for the African market but deployed globally, Dojah provides a single API that consolidates BVN verification, NIN verification, government document scanning, facial recognition with liveness detection, CAC company lookup, digital address verification, and AML screening — eliminating the need for multiple separate vendor integrations. Headquartered in Nigeria and serving businesses across Africa, Dojah integrates multiple data sources — including Nigerian government databases (NIMC, CBN/NIBSS), telecoms networks, banks, and utility providers — to enable businesses to verify customer identities with speed, accuracy, and regulatory compliance. **Easy Lookup API — The Standout Feature** Dojah's Easy Lookup API is one of its most powerful and developer-friendly products. By passing a single data point — either a phone number or a BVN — the API returns a comprehensive identity profile: full name, date of birth, photo, residential address, phone number, and enrollment details. This single-call approach dramatically simplifies KYC for Nigerian applications, reducing what would normally require multiple API calls and document uploads into a single instant lookup. It is particularly powerful for lending apps that need to verify a borrower's identity quickly at the point of application. **BVN & NIN Verification** Standard BVN and NIN verification endpoints confirm the identity data attached to a Bank Verification Number or National Identification Number. A successful BVN/NIN lookup returns name, DOB, phone number, and photo — providing the minimum data needed to auto-populate a KYC record and confirm the user is who they claim to be. Dojah also integrates blog guidance on BVN/NIN verification to help developers navigate CBN's mandate for BVN-NIN linkage requirements. **AI Facial Recognition & Liveness Detection** Dojah's biometric verification module uses AI to compare a live selfie against the photo on a government ID or on file in a government database. The liveness detection layer confirms the user is physically present — not a static photo or a video replay — preventing one of the most common forms of identity fraud in digital onboarding. This is available as a standalone verification step or combined with document scanning in a full biometric onboarding flow. **Government ID Document Verification** Dojah can scan and validate Nigerian government-issued documents — NIN slip, passport data page, driver's license, voter's card — extracting data via OCR and cross-referencing it against issuing authority databases to confirm authenticity. This is critical for CBN Tier 2 and Tier 3 KYC. **Digital Address Verification** Unlike traditional address verification that requires physical field agent visits (which are slow and expensive), Dojah offers digital address verification using telco location data, utility records, and cross-referenced data sources. This allows Nigerian fintechs to complete address verification within minutes rather than days, at a fraction of the cost of physical visits. **CAC Company Verification (KYB)** The CAC lookup endpoint queries Nigeria's Corporate Affairs Commission database to confirm a company's registration status, legal name, directors, and business type. This is the foundation of Know Your Business (KYB) compliance for B2B platforms, lenders, and payment companies onboarding business customers. **Identity Hub — AML & Fraud Prevention** Dojah's Identity Hub is a compliance product that combines AML screening, fraud detection, and case management. It screens customers against global sanctions lists, PEP (Politically Exposed Persons) databases, and adverse media — meeting FATF and CBN AML requirements. The Identity Hub also provides tools for detecting synthetic identities and fraudulent document submissions. **Authentication & Pricing** Dojah uses API key authentication — keys are issued through the Dojah dashboard and passed in the Authorization header. Pricing is per-API-call: the Starting Out plan starts at $0.06/call, with volume discounts available on the Optimizing plan (from $0.04/call). Specific per-verification prices vary by check type. A free sandbox environment is available immediately upon account registration — no credit card required. **Nigeria Data Compliance** All Dojah verifications comply with NIMC data handling requirements, CBN KYC mandates, and the Nigeria Data Protection Regulation (NDPR). Dojah does not store raw NINs beyond the immediate verification transaction, in line with NIMC's tokenization requirements. **Frequently Asked Questions** Q: What is the Easy Lookup API? A: Pass a phone number or BVN and receive a full identity profile in one call — name, DOB, photo, address. Ideal for fast, low-friction KYC. Q: Does Dojah require a credit card to test? A: No. A free sandbox account is available at app.dojah.io with no credit card required. Q: What is the starting price for Dojah verifications? A: Starting at $0.06 per API call on the Starting Out plan, with volume discounts on higher tiers. Q: Does Dojah verify Nigerian addresses digitally? A: Yes. Dojah offers digital address verification using telco and data cross-referencing — no physical field agent visit required. Q: Does Dojah support businesses outside Nigeria? A: Yes. Dojah supports verification in multiple African markets beyond Nigeria through its pan-African data source integrations.

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Fincra Identity

Fincra Identity

Fincra Identity is the identity management and verification feature set built into the Fincra API. It is not a standalone product — it is accessed using the same API credentials as Fincra payment services. Nigerian developers using Fincra for payments get identity verification capabilities included, enabling them to build compliant KYC flows without integrating a separate identity provider. What It Does Fincra Identity provides three core capabilities: (1) BVN Resolution — resolve a Nigerian Bank Verification Number to retrieve the associated identity details, enabling KYC verification against the CBN BVN database; (2) Bank Account Verification — verify that a Nigerian bank account number is valid and retrieve the account holder name via NIP lookup, preventing failed transfers before they happen; (3) Card BIN Resolution — look up a card BIN (Bank Identification Number) to identify the issuing bank, card network, card type, and country of origin for any card number prefix. How Developers Use It Fincra Identity endpoints are called using the same API key obtained from the Fincra Dashboard. Documentation is at docs.fincra.com under the Identity Management section. The same 50 req/sec rate limit applies. Sandbox and live environments are fully isolated as with all Fincra services. Pricing Included in the Fincra API subscription. Custom pricing based on volume — contact Fincra sales for current rates. Rate Limits 50 API calls per second, shared with all other Fincra API calls. HTTP 429 returned when exceeded. What Fincra Identity Does NOT Cover Unlike dedicated KYC providers such as Dojah, Smile Identity, or YouVerify, Fincra Identity does not provide: NIN verification, international passport verification, driver's licence lookup, liveness detection, document capture, or CAC business verification. For comprehensive KYC with selfie matching and multi-document support, a dedicated KYC provider is recommended. Challenges and Gotchas (1) Fincra Identity is only available to businesses that have an active Fincra account — you cannot use it without being a Fincra payments customer. (2) Feature set is narrower than dedicated KYC providers. (3) Live mode requires completing full Fincra compliance onboarding first. (4) No standalone pricing — bundled with Fincra payment costs. Company Background Fincra is a CBN PSSP-licensed payment gateway incorporated in the US (Fincra Inc.) and operating in Nigeria and across Africa. The company provides payment infrastructure to African businesses and fintechs, and includes identity verification as part of its end-to-end compliance toolkit. FAQs Q: Is Fincra Identity a separate product from Fincra payments? A: No. It is a feature set within the Fincra API accessed with the same credentials. Q: Can I use Fincra Identity without using Fincra for payments? A: Not independently — you need an active Fincra business account to access these endpoints. Q: Does Fincra Identity support NIN verification? A: Not currently. BVN resolution, bank account verification, and card BIN lookup are the currently documented identity features. Q: What is the rate limit? A: 50 requests per second, shared with all Fincra API calls. Fincra Identity's bank account verification feature resolves the account holder name associated with a provided Nigerian bank account number and bank sort code, confirming that the account belongs to the expected recipient before initiating a disbursement. This pre-disbursement verification step prevents both accidental wrong-account transfers (from typographical errors in account numbers) and deliberate fraud (where a bad actor substitutes their account number for a legitimate recipient). For Nigerian platforms processing large volumes of payouts — salary disbursements, vendor payments, refund processing — the operational cost savings from preventing failed and misdirected transfers justifies the verification step. Card BIN lookup from Fincra Identity allows platforms to identify the issuing bank, card type (debit/credit), card scheme (Visa/Mastercard/Verve), and country of origin from the first six digits of a card number before the transaction is processed. This BIN intelligence enables routing decisions — selecting the optimal payment processor for a card type, applying different processing flows for international versus domestic cards, flagging potentially high-risk card origins — that improve authorization rates and fraud management before authorization is even attempted.

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VOVE ID

VOVE ID

VOVE ID is an identity verification and compliance platform designed specifically for businesses that operate across multiple regions — particularly fintechs and regulated companies that need KYC infrastructure spanning both African markets (like Nigeria) and European jurisdictions simultaneously. While most KYC providers optimize for either Africa or Europe, VOVE ID's core differentiation is its cross-region routing architecture: a single API integration that automatically applies the appropriate verification workflow based on the customer's country and document context, returning a unified compliance record regardless of where the customer is located. For Nigerian businesses specifically, VOVE ID addresses the growing complexity of CBN KYC requirements — including the 2024 mandate for BVN-NIN harmonization — while simultaneously enabling those same businesses to serve European customers under GDPR and EU AML regulations without building a separate compliance stack. **Core Platform Architecture** VOVE ID's technical architecture centers on intelligent routing: when a verification request comes in, the system identifies the customer's country and document type, selects the appropriate identity data sources and verification workflow for that jurisdiction, runs identity checks, attaches AML and sanctions screening, and returns a single unified compliance record through one API response. Developers do not need to write country-specific routing logic — VOVE ID handles this automatically. This is particularly valuable for platforms with users in both Nigeria (where NIN/BVN verification against NIMC and NIBSS is required) and Europe (where passport or national ID verification under EU standards applies). The same integration handles both. **Nigerian Verification Capabilities** For Nigeria, VOVE ID supports: - **NIN Verification**: National Identification Number verification against NIMC - **BVN Verification**: Bank Verification Number verification against NIBSS/CBN - **BVN-NIN Harmonization Check**: Verifies that a customer's BVN and NIN are properly linked — a CBN compliance requirement under the 2024 bank account harmonization directive - **International Passport**: Verification of Nigerian passport data - **Resident Permits**: For non-Nigerian residents requiring Nigerian financial services **AML & Sanctions Screening** Every identity verification case in VOVE ID automatically triggers AML and sanctions screening. Customers are checked against global sanctions lists (OFAC, UN, EU, UK HMT), Politically Exposed Person (PEP) databases, and adverse media sources. Results are attached to the same verification record returned by the API, providing an integrated KYC + AML output without a separate AML API call. **Merchant & Marketplace Verification** VOVE ID specifically addresses the challenge of Nigerian marketplace and platform businesses that need to verify sellers, agents, service providers, or merchants at scale. The platform supports both individual identity verification and business (KYB) verification — checking company registration, directors, and beneficial ownership — allowing e-commerce platforms, gig economy apps, and agent networks to onboard verified participants efficiently. **Deepfake-Resistant Liveness Detection** VOVE ID integrates advanced liveness detection built to resist 2025–2026 generation deepfake attacks. As AI-generated face videos become increasingly sophisticated, standard liveness checks that rely on motion detection or basic 2D analysis are no longer sufficient. VOVE ID's liveness detection is specifically designed to detect AI-generated presentation attacks, providing protection against the latest fraud vectors. **Cross-Region: Africa + Europe** For Nigerian companies expanding into European markets — or European companies entering Nigeria — VOVE ID's unified API eliminates the need to evaluate, integrate, and maintain separate KYC vendors for each region. The platform's blog (blog.voveid.com) provides guidance specifically for fintechs navigating the Africa-Europe compliance corridor, covering topics like CBN baseline standards 2026, merchant verification in Nigerian marketplaces, and what KYC APIs work across both Africa and Europe. **Authentication & Integration** VOVE ID uses API key authentication via a single unified endpoint. Country and document routing happens server-side. A sandbox environment is available for testing verification flows across different countries. **Pricing** Custom enterprise pricing — no publicly listed per-verification rates. Contact VOVE ID for commercial terms based on verification volume and geographic scope. **Frequently Asked Questions** Q: What makes VOVE ID different from Prembly or Smile Identity? A: VOVE ID's primary differentiation is cross-region routing — one API for both African and European KYC. Prembly and Smile Identity focus primarily on Africa. Q: What is BVN-NIN harmonization and why does it matter? A: CBN mandated in 2024 that all Nigerian bank accounts must have linked BVN and NIN. VOVE ID's harmonization check verifies this linkage, enabling compliance with the directive. Q: Does VOVE ID support AML screening? A: Yes — AML and sanctions screening is attached to every verification case automatically. Q: Can VOVE ID verify Nigerian merchants for marketplace platforms? A: Yes — VOVE ID explicitly supports merchant and marketplace verification workflows including KYB for businesses. Q: Is deepfake liveness detection available? A: Yes — VOVE ID's liveness detection is specifically designed to detect AI-generated deepfake attacks.

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Veriff

Veriff

Veriff is an AI-powered identity verification platform that analyzes over 1,000 signals per verification session to deliver 99.6% automated decision accuracy. Founded in 2015 in Tallinn, Estonia, Veriff serves clients in over 230 countries and territories, including financial institutions, fintech companies, crypto exchanges, insurance providers, and digital marketplaces. The company processes hundreds of millions of verifications annually and is trusted by organizations including Bolt, Monzo, Skyscanner, and Gett. ## What the API Does Veriff's platform combines document verification, biometric face matching, liveness detection, and AML screening in a single developer-friendly API. The verification engine analyzes the submitted ID document (passport, national ID, driver's license) across authenticity signals including security feature checks, MRZ data validation, NFC chip reading, font consistency, microprint analysis, and document template cross-referencing. Simultaneously, a biometric face match compares the selfie captured during the session against the document photo, and liveness detection confirms the person is physically present rather than presenting a static photo or video replay. For Nigerian users, Veriff supports the full range of commonly accepted government IDs: international passports (Nigerian e-passports with NFC), National Identity Management Commission NIN slips, Independent National Electoral Commission voter cards, and Federal Road Safety Corps driver's licenses. ## How Developers Use It Developers integrate Veriff via REST API and pre-built SDKs (Web, iOS, Android, and React Native). The standard flow is: 1. Create a verification session on your backend using `POST /v1/sessions` — this returns a session URL and token. 2. Redirect or embed the Veriff session flow using the Veriff Web SDK or deep-link on mobile. 3. The end user is guided through document capture and selfie/liveness steps within the Veriff-hosted UI. 4. Veriff processes the session and delivers results via webhook to your configured endpoint. Results include an overall decision (approved/declined/resubmission_requested), individual check results (document authenticity, face match score, liveness pass/fail), and extracted data fields (full name, date of birth, document number, expiry date, address if present). Veriff also provides a verification URL-only integration for even simpler embedding — generate a session URL and open it in a browser window; no SDK required. ## Pricing & Fees Veriff offers transparent self-serve pricing, which sets it apart from many enterprise-only KYC vendors. Plans include: - **Essential**: $49/month — basic document + face verification - **Plus**: $99/month — adds database checks and enhanced fraud signals - **Premium**: $209/month — full feature access including AML screening add-on Per-verification costs apply above plan-included volumes, with exact per-check rates determined at signup. Enterprise plans with custom pricing and volume discounts are available for high-volume clients. A sandbox environment is available immediately upon signup for integration development. ## Authentication Veriff uses an API key + shared secret authentication model. Your API public key is included in request headers (`X-AUTH-CLIENT: your_api_key`), and a session-specific signature is generated using HMAC-SHA256 with your shared secret. For incoming webhooks, Veriff signs the payload using HMAC-SHA256, and the signature is passed in the `X-HMAC-SIGNATURE` header. Developers must verify this signature on every received webhook before processing the decision — accepting unverified webhook payloads in production is a critical security vulnerability. ## Rate Limits Rate limits vary by plan. Self-serve plans have monthly verification caps; exceeding these triggers overage billing rather than hard blocks. Enterprise plans have customized throughput limits based on expected session volume. Contact Veriff support for specific rate limit details on your plan. ## Compliance & Regulations Veriff holds ISO 27001 (information security management), SOC 2 Type II, and GDPR certifications. The platform is designed to support compliance with FATF recommendations, AMLD5/6 in Europe, and FinCEN guidelines in the US. For Nigerian deployments, Veriff's checks align with CBN KYC Tier 2/3 requirements (document + biometric verification), EFCC AML obligations, and NDPR data protection requirements. The AML screening add-on covers OFAC, UN, EU, and UK Treasury watchlists for PEP and sanctions screening. ## Challenges & Gotchas for Nigerian Developers 1. **Webhook signature verification is mandatory**: Skipping the X-HMAC-SIGNATURE check means your system could be manipulated by forged webhook payloads. Always implement this check before going live. 2. **HTTPS required**: The Veriff SDK will not load over HTTP. Your integration environment must be HTTPS-enabled. 3. **Session expiry**: Verification sessions expire after a configurable period (default 7 days). Build retry/re-invite flows for users who don't complete their verification promptly. 4. **Camera permission handling**: On Nigerian mobile devices running older Android versions, camera permission UX can vary. Test on low-end devices (Tecno, Itel, Infinix) which are common in Nigeria. 5. **No native BVN integration**: Veriff does not connect to the NIBSS BVN database. Pair with a Nigerian BVN API (Mono, Okra, Lendsqr) for BVN-based verification. 6. **NGN billing not supported**: Veriff charges in USD. Nigerian developers will need a USD-capable card or wire transfer. ## Company Background Veriff was founded in 2015 by Kaarel Kotkas in Tallinn, Estonia. The company has raised over $200 million in funding from investors including Tiger Global, IVP, and Alkeon Capital. Veriff employs over 1,000 people across Europe and the Americas and has won multiple awards for identity verification technology. In 2023–2024, the company invested heavily in AI-powered deepfake and document fraud detection, adding capabilities to counter sophisticated synthetic identity attacks. ## Frequently Asked Questions **Q: Can Nigerian developers sign up without contacting sales?** A: Yes. Veriff offers self-serve plans starting at $49/month with instant activation after signup. No sales call required for standard tiers. **Q: Does Veriff support NGN billing?** A: No. Veriff bills in USD only. Use a USD virtual card (e.g., from Flutterwave, Barter by Flutterwave, or Chipper Cash) for payment. **Q: How accurate is the verification?** A: Veriff reports 99.6% automated decision accuracy across its global verification volume. Flagged edge cases are escalated to human review. **Q: Can I test without paying?** A: Yes. A sandbox environment is available immediately upon registration, allowing full integration testing without live verification costs.

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Persona

Persona

Persona is a flexible identity verification and compliance platform that enables businesses to build custom KYC (Know Your Customer) workflows combining government ID verification, biometric liveness checks, database lookups, phone/email verification, and AML screening — all configurable through a no-code workflow builder without requiring engineering changes for each compliance update. Founded in 2018 and headquartered in San Francisco, Persona serves fintech companies, crypto exchanges, marketplaces, lending platforms, and gig economy businesses globally. The platform is notable for its native Nigeria Database Verification module, which checks Nigerian NIN (National Identification Number), BVN (Bank Verification Number), voter registration cards, and driver's licenses directly against authoritative Nigerian government databases — a capability that distinguishes Persona from most global KYC providers who rely on document OCR alone without database cross-referencing. ## What the API Does Persona's API enables developers to trigger, manage, and retrieve identity verifications called "Inquiries." Each Inquiry runs a configurable set of verification steps: document verification (passport, national ID, driver's license), selfie liveness detection (passive or active), database checks (government, watchlist, phone, email), and business verification (KYB). For Nigerian users specifically, the Nigeria Database Verification product cross-references the user's submitted identity data against Nigerian government records, providing a higher-assurance confirmation than document image analysis alone. The platform's Workflow engine (formerly called "Cases") allows teams to define multi-step verification journeys with conditional logic. For example: if a user submits a voter card that fails OCR, automatically prompt for an alternative document; if a database check returns a sanctions hit, escalate to manual review; if transaction value exceeds a threshold, trigger enhanced due diligence. These rules are configured in Persona's dashboard without code. ## How Developers Use It Integration follows a standard flow: 1. Create an Inquiry using `POST /api/v1/inquiries` — this initializes a verification session for the end user. 2. Redirect the user to Persona's hosted verification flow (URL returned in the response) or embed using the Persona Embedded Flow SDK. 3. The user completes document upload, selfie, and any database check steps within the Persona-hosted UI. 4. Receive results via webhook (`inquiry.completed`, `inquiry.failed`, etc.) when the user finishes, or poll `GET /api/v1/inquiries/{inquiry-id}` for status. 5. Retrieve the full verification report including extracted data, check outcomes, and overall decision from the Inquiry object. Persona also provides a Verifications API for accessing individual check results (document verification report, database check report, selfie report) with granular pass/fail scores and extracted data fields. ## Pricing & Fees Persona uses a pay-per-successful-verification model — you are only charged when a verification completes successfully, not for failed or abandoned sessions. Plans include: - **Essential Plan**: $250/month (annual contract) — includes 500 verifications per month, $1 per additional verification. - **Growth Plan**: Custom pricing based on your verification volume and product mix. Recommended for most growing businesses. - **Enterprise Plan**: Fully custom pricing with dedicated support, SLA guarantees, and volume discounts. A sandbox environment is available immediately after signup for testing. ## Authentication Persona uses API key authentication. Your API key is passed as a Bearer token in the `Authorization: Bearer your_api_key` header on all requests. Persona API keys have environment scopes — sandbox keys work only against the sandbox environment, and live keys are used in production. Webhook payloads include an `X-Persona-Signature` header for payload verification to prevent forgery. ## Rate Limits Persona does not publish specific rate limits in their public documentation. Limits vary by plan tier. Contact Persona's support team to confirm the applicable rate limits for your subscription. ## Nigeria-Specific Capabilities Persona's Nigeria Database Verification is a standout feature for Nigerian developers. It covers: - **NIN Verification**: Cross-check NIN (National Identification Number) against NIMC database records. - **BVN Verification**: Verify the Bank Verification Number against NIBSS records. - **Voter Card Check**: Validate voter registration data against INEC records. - **Driver's License Check**: Verify driver's license data against FRSC records. This level of native database integration means Nigerian fintechs can achieve higher-confidence identity verification than document OCR alone, satisfying CBN's customer due diligence requirements for higher-tier accounts. ## Compliance & Regulations Persona holds ISO 27001 and SOC 2 Type II certifications. The platform supports GDPR, CCPA, and NDPR compliance. Verification workflows align with FATF KYC recommendations and CBN Customer Due Diligence regulations for Nigerian financial institutions. AML screening covers OFAC, UN, EU, UK Treasury, and global PEP databases. For Nigerian fintech clients, Persona's database verification checks provide evidence-based identity confirmation suitable for CBN KYC Tier 2 and Tier 3 requirements. ## Challenges & Gotchas for Nigerian Developers 1. **Nigeria database checks as add-on**: While Persona supports Nigerian database verification, it may be priced as an add-on module on top of the base plan. Confirm availability on your chosen plan. 2. **Essential plan volume limits**: 500 verifications/month on the Essential plan is modest. Growing Nigerian apps with significant onboarding volumes will need to move to Growth pricing quickly. 3. **USD billing only**: Persona charges in USD. Use a USD virtual card or wire transfer for payment. 4. **NDPR biometric data**: Selfie and biometric data captured during Persona verifications qualify as sensitive personal data under NDPR. Ensure your data processing agreement covers Nigerian user biometric data retention and deletion. 5. **Workflow complexity**: Persona's no-code Workflow builder is powerful but has a learning curve. Budget time for workflow configuration and QA testing before going live. ## Company Background Persona was founded in 2018 by Rick Song and Charles Yeh. The company has raised over $200 million in funding from investors including Index Ventures, Coatue, and First Round Capital. Persona is widely used by US and international fintech companies, and its Nigeria support makes it one of the few global KYC platforms with genuine database-level verification for Nigerian identity documents. ## Frequently Asked Questions **Q: Does Persona support Nigerian BVN verification?** A: Yes. Persona's Nigeria Database Verification product supports BVN cross-checking against NIBSS records, NIN against NIMC, voter cards against INEC, and driver's licenses against FRSC. **Q: Can I use Persona without a sales call?** A: Yes. The Essential plan ($250/month) activates after online signup. Growth and Enterprise plans require a sales conversation. **Q: Am I charged for failed verifications?** A: No. Persona only charges for successfully completed verifications — abandoned or failed sessions are not billed. **Q: Is there a free trial?** A: Persona provides a sandbox environment for testing without charge. Production verifications require an active plan.

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iBulky

iBulky

iBulky is a Nigerian bulk SMS platform offering programmable SMS delivery to all four major Nigerian mobile networks — MTN, Airtel, Glo, and 9mobile — through a developer API designed for Nigerian businesses sending transactional notifications, OTP codes, marketing campaigns, and automated alerts. Built for the Nigerian market, iBulky provides NGN-denominated pricing, local customer support, and infrastructure optimized for Nigerian carrier routing, making it a practical choice for businesses that want reliable SMS delivery without the complexity or dollar-denominated pricing of international SMS platforms. Bulk SMS campaigns through iBulky can reach thousands of Nigerian recipients in a single API call, making it suitable for businesses running promotional SMS blasts to customer databases, NGOs sending community alerts, and schools and religious organizations communicating with large membership bases. The platform handles the carrier routing complexity of reaching recipients across all four Nigerian networks from a single API call, without the sender needing to maintain separate routes for MTN, Airtel, Glo, and 9mobile subscribers. OTP and transactional SMS delivery is a core iBulky use case for Nigerian fintech apps, e-commerce platforms, and healthcare systems that need to send one-time passwords, transaction confirmations, appointment reminders, and account notifications to Nigerian phone numbers. Transactional messages have higher delivery priority and are optimized for speed of delivery — critical for OTP flows where a user is waiting on screen for a verification code before they can complete a registration or login. Sender ID management allows Nigerian businesses to send SMS messages displaying a branded sender name (e.g., "MYBANK" or "SHOPNG") instead of a numeric short code, improving message recognition and trust. Registered sender IDs increase open rates and reduce the likelihood of messages being ignored as spam. iBulky supports the NCC-regulated sender ID registration process for Nigerian businesses wanting to use branded SMS identifiers. Do Not Disturb (DND) bypass for transactional messages is a critical feature for Nigerian SMS platforms. The Nigerian Communications Commission (NCC) allows Nigerians to opt into DND to block promotional SMS, but transactional messages like OTPs and bank alerts are permitted to bypass DND. iBulky manages the routing rules that ensure transactional messages reach DND-registered Nigerian numbers while respecting the DND opt-out for promotional content. Delivery reports are returned per message, allowing Nigerian app developers to track which messages were delivered, which are pending, and which failed due to unavailable numbers or other issues. This delivery tracking enables building SMS notification retry logic — automatically resending failed messages after a delay — and provides audit trails for compliance-sensitive applications in banking and healthcare. The iBulky API uses straightforward HTTP POST requests with API key authentication, returning JSON responses that are easy to parse in any programming language. Nigerian developers can integrate iBulky SMS into their existing applications within hours, with SDKs or simple curl-based documentation guiding the integration. Pricing is unit-based on SMS credits purchased in NGN, with volume discounts for high-message-count purchases suited to large-scale campaign senders. iBulky supports scheduled SMS delivery for campaigns timed to Nigerian business hours and provides a simple web dashboard for non-technical business users who need to send bulk SMS without writing code, complementing the API for developer teams.

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Beeceptor

Beeceptor

Beeceptor is a zero-code, instantly available REST API mock server that enables developers to create custom HTTP endpoints in seconds, define response rules, and inspect all incoming requests in real time. It is designed to eliminate the waiting and setup overhead that slows down development when a backend API is not yet built, when testing against external services is impractical, or when debugging webhook integrations requires a visible endpoint. Creating a mock endpoint with Beeceptor requires no code, no server setup, and no registration for basic use. Developers visit beeceptor.com, generate an endpoint name, and immediately have a live HTTPS URL that accepts any HTTP request and returns configurable mock responses. This instant availability is the core value proposition — a developer blocked on a missing backend can unblock themselves in under a minute. Response rules are the primary configuration interface. Developers define rules that match incoming requests based on HTTP method, URL path patterns, request body content, or query parameters, and specify what response (status code, headers, body) each rule returns. This enables sophisticated mocking — returning 200 for successful paths, 422 for validation errors, 429 for rate limit simulation, or 500 for error testing — covering the full range of backend behavior that a frontend needs to handle. The real-time request inspector is invaluable for debugging: every request received by the Beeceptor endpoint is logged and displayed in real time with full headers, body, query parameters, and timing information. This makes it an excellent tool for webhook debugging — when setting up a Paystack or Flutterwave webhook for the first time, pointing it at a Beeceptor endpoint reveals exactly what payload structure the payment provider sends, making it far easier to write the handler code. API proxy mode allows Beeceptor to forward requests to a real backend API while still logging all traffic, effectively acting as a debugging proxy. Developers can inspect the full request-response cycle of their application's API calls without modifying the application code. For Nigerian developers, Beeceptor addresses common development friction points: Nigerian payment gateway webhooks (Paystack, Flutterwave, Monnify, Interswitch) have specific payload structures that need to be understood and handled correctly. Using Beeceptor to capture live test webhook payloads from these providers is faster and more reliable than reading documentation alone. Nigerian frontend developers working on React, Vue.js, or Flutter applications before the backend is complete can use Beeceptor to simulate backend APIs — unblocking UI development and enabling realistic end-to-end testing of the frontend without a real backend. The free tier provides 50 requests per day per endpoint at no cost, sufficient for development and debugging. The Pro tier at $9/month increases limits significantly for sustained development use. Beeceptor's team sharing feature allows multiple developers to access the same mock endpoint configuration, which is valuable for Nigerian development teams where multiple frontend developers need to work with the same mock backend simultaneously. Shared mock configurations ensure all team members work against identical test data, preventing divergence in frontend behavior caused by inconsistent mock responses. The Pro tier's unlimited request history retention allows reviewing all requests made to a mock endpoint over extended periods — useful for debugging intermittent issues where the problematic request needs to be found among many others. Free tier request history is limited to recent requests. Beeceptor's ability to forward unmatched requests to a real backend while responding to matched paths with mocks creates a hybrid testing environment — part real API, part mock. Nigerian development teams that have some production endpoints available but not others can use this selective mocking to test their application in a mixed real/mock environment without reconfiguring every API call.

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Onfido (Entrust)

Onfido (Entrust)

Onfido is an enterprise identity verification platform that combines AI-powered document verification, biometric face authentication, and AML watchlist screening into a single developer API. Founded in 2012 in London and acquired by Entrust in April 2024, Onfido continues to operate under its own brand within the Entrust portfolio. The platform serves thousands of businesses globally including Revolut, Zipcar, Bitstamp, and numerous regulated financial institutions. Onfido processes hundreds of millions of identity checks annually across 195+ countries. ## What the API Does Onfido's verification stack has three primary layers. The first is document verification — automated analysis of government-issued ID documents including passports, national ID cards, driver's licenses, and residence permits. Onfido's AI engine validates document authenticity by checking security features, analyzing MRZ (Machine Readable Zone) data, detecting tampering or manipulation, and comparing document templates against its global library. The second layer is biometric verification — a selfie-based face match comparing the live user's face against the document photo. Onfido supports both passive liveness (background analysis without user prompts) and active liveness (guided motion challenges to confirm presence). The liveness engine is designed to prevent spoofing via printed photos, replay videos, 3D masks, and increasingly, AI-generated deepfake imagery. The third layer is watchlist screening — automatic checks against global AML (Anti-Money Laundering) databases, PEP (Politically Exposed Persons) lists, and sanctions registries including OFAC, EU, UN, and UK Treasury. For Nigerian users, the platform supports NIN slips, voter cards, international passports (e-passport with NFC), and Federal Road Safety Corps driver's licenses. Onfido Studio ties these together as a no-code workflow builder — compliance and product teams can drag and drop verification steps, configure conditional logic (e.g., run database check if document is expired), set retry limits, and deploy new verification flows without engineering involvement. ## How Developers Use It Developers integrate Onfido via REST API and SDKs for Web, iOS, Android, and React Native. The standard integration pattern: 1. Create an applicant server-side using `POST /v3.6/applicants` — this creates a user object in Onfido with name and email. 2. Generate an SDK token using `POST /v3.6/sdk_token` — this short-lived token authorizes the client-side SDK session. 3. Initialize the Onfido Web SDK or Mobile SDK on the client, passing the SDK token. 4. The user is guided through document capture and selfie/liveness steps in the Onfido-hosted UI. 5. Create a check on your server using `POST /v3.6/checks` specifying which reports to run (document, facial_similarity, watchlist, etc.). 6. Receive results via webhook when the check completes, or poll `GET /v3.6/checks/{check_id}`. ## Pricing & Fees Onfido operates on custom enterprise pricing. Industry data suggests median annual spend of approximately $60,475, with a wide range from $6,156 for smaller integrations to over $945,000 for high-volume enterprise deployments. Charges are per verification check — document verification, biometric checks, and add-ons like AML screening are priced separately. There is no public per-check rate card; pricing is negotiated based on volume and use case. A sandbox environment is provided to all registered developers during the sales process for full integration testing. ## Authentication Onfido uses JWT (JSON Web Token) authentication. Backend API calls use a long-lived API token stored as a Bearer token in the Authorization header. Client-side SDK sessions use short-lived SDK tokens generated server-side via the `/sdk_token` endpoint — these expire after a configurable period to prevent session hijacking. Webhook payloads include an `X-SHA2-Signature` header for payload verification. ## Rate Limits Onfido does not publish public rate limits. Enterprise contracts specify throughput limits based on expected volume. The API is designed to handle burst verification loads. Contact Onfido/Entrust sales for specific rate limit commitments in your contract. ## Compliance & Regulations Onfido holds ISO 27001 certification, SOC 2 Type II attestation, PCI DSS compliance, and full GDPR compliance. The platform supports compliance with FATF anti-money laundering recommendations, UK FCA guidelines, EU AMLD5/6, FinCEN in the US, and CBN KYC requirements in Nigeria. For Nigerian financial institutions, Onfido's document + biometric verification stack satisfies CBN Tier 2 and Tier 3 KYC requirements as outlined in the CBN Customer Due Diligence Regulation 2023. ## Challenges & Gotchas for Nigerian Developers 1. **No self-serve signup**: Onfido requires enterprise onboarding through their sales team. There is no instant-activation self-serve plan — budget 2–4 weeks for contract and credential setup. 2. **USD-only billing**: All pricing is in USD. Nigerian developers need a USD-capable payment method for invoicing. 3. **No native BVN integration**: Onfido does not query the NIBSS BVN database directly. Pair with a Nigerian BVN API for BVN-based verification. 4. **SDK version management**: Onfido releases frequent SDK updates, especially for mobile. Lock your SDK version and test upgrades before deploying to production. 5. **NDPR considerations**: Biometric data processed by Onfido falls under NDPR as sensitive personal data. Ensure your data processing agreement with Onfido covers Nigerian user data handling and retention policies. 6. **Post-Entrust acquisition uncertainty**: Some developers have noted pricing changes following the Entrust acquisition. Negotiate carefully and review renewal terms. ## Company Background Onfido was founded in 2012 by Husayn Kassai, Eamon Jubbawy, and Ruhul Amin — three Oxford University graduates. The company raised over $200 million in VC funding before being acquired by Entrust, a digital security company, in April 2024 for a reported $400 million. Onfido's technology is now part of Entrust's broader digital identity portfolio, which includes certificates, credentialing, and authentication products. ## Frequently Asked Questions **Q: Is Onfido available in Nigeria?** A: Yes. Onfido supports Nigerian government IDs including international passports, NIN slips, voter cards, and driver's licenses as part of their global document library covering 195+ countries. **Q: Has anything changed since the Entrust acquisition?** A: The Onfido API, documentation, and brand continue to operate independently. The main changes are in sales and enterprise support structure, which is now routed through Entrust channels. **Q: Can I use Onfido for KYB (business verification)?** A: Onfido focuses on individual KYC (Know Your Customer) verification. KYB (Know Your Business / corporate verification) is not a core Onfido product — consider Sumsub or Jumio for KYB requirements. **Q: How do I get started without a sales call?** A: Contact Onfido through onfido.com to initiate enterprise onboarding. There is no self-serve option.

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JSONPlaceholder

JSONPlaceholder

JSONPlaceholder is the internet's most widely used free fake REST API, providing six types of sample resources — posts, comments, albums, photos, todos, and users — via a live, always-available API endpoint. It enables developers to build and test API-connected applications without needing a real backend, making it invaluable for learning, prototyping, and front-end development. The service is intentionally simple. Each of the six resource types has a predictable URL structure, supports standard HTTP methods, and returns realistic-looking sample data. Posts have IDs, titles, and bodies. Users have names, email addresses, usernames, addresses, phone numbers, and company information. Comments are linked to posts. Albums and photos are linked to users. Todos have completion status. The relationships between resources mirror what a real application backend would provide. All standard HTTP methods work on all resources: GET retrieves individual records or lists, POST simulates creating a new resource (returning the submitted data with a new ID), PUT and PATCH simulate updating (returning the updated data), and DELETE simulates deletion (returning an empty object). Critically, no data is actually persisted — every operation returns a realistic response, but the underlying data never changes. This makes the API perfectly safe and predictable for testing and learning. Query parameter filtering by userId is supported for resources like posts, comments, and todos, enabling testing of filtered API requests that are common in real applications. Pagination is available for list endpoints, enabling practice with paginated API responses. For Nigerian developers learning to build API-connected applications, JSONPlaceholder eliminates the chicken-and-egg problem of needing a backend to learn frontend API consumption. A developer learning React can build a complete blog application — fetching post lists, displaying individual posts with comments, showing user profiles — using JSONPlaceholder data without any server setup. The resulting skills transfer directly to real-world applications. Nigerian bootcamps and developer educators use JSONPlaceholder as a consistent teaching resource because its reliability and simplicity make it ideal for demonstrating concepts without infrastructure complexity. Students at every skill level can use it from their first fetch() call through building complex state management systems. Nigerian developers building client demos and pitch materials can use JSONPlaceholder to populate their prototypes with realistic-looking content, creating more convincing presentations without investing time in backend development for what is essentially a visual demonstration. The service is completely free with no API key, no account, and no rate limits that would disrupt teaching and learning workflows. JSONPlaceholder's reliability as a dependency-free learning tool has made it a staple resource in Nigerian coding bootcamp curricula. Its predictability — the same requests always return the same data — makes it ideal for teaching: instructors can demonstrate API calls with confidence that the results will be exactly as expected, without the variability that real-world APIs introduce. The nested resource URLs (such as /posts/1/comments for all comments on post 1) teach Nigerian developers about RESTful resource hierarchies and how parent-child resource relationships are represented in URL structures. This pattern appears consistently in production APIs, so practicing it with JSONPlaceholder builds transferable skills. JSONPlaceholder is also open source and can be self-hosted via its npm package, making it possible for Nigerian bootcamps and development teams to run a local instance in offline or restricted-network environments where the public service might not be reliably accessible.

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ReqRes

ReqRes

ReqRes is a hosted fake REST API specifically designed to simulate user authentication and user management operations, providing a complementary testing resource to JSONPlaceholder. While JSONPlaceholder covers general CRUD operations on content resources, ReqRes focuses on the user-centric operations that most applications need to test: registration, login, user profile retrieval, and user management. The login endpoint returns a realistic authentication token when called with valid test credentials, enabling frontend developers to implement and test the complete authentication flow — submitting credentials, receiving and storing a token, attaching the token to subsequent requests, and handling token-based authorization — without a real authentication backend. This is particularly valuable for developers learning authentication patterns for the first time and those building login UIs. The registration endpoint simulates user creation with email and password, returning a user ID and token. Testing registration flows requires an endpoint that accepts the registration data and returns a predictable success or error response. ReqRes provides both — valid test credentials return success responses, and missing required fields trigger error responses with appropriate status codes. The user list endpoint returns paginated user data with real-seeming names, email addresses, and avatar URLs. Pagination in the response (page number, per_page count, total count, total pages) allows developers to practice implementing pagination logic — handling page navigation, loading states, and updating the displayed list when the user navigates between pages. Single user retrieval tests 404 handling when accessing a user ID that does not exist. ReqRes returns 404 responses for specific out-of-range user IDs, enabling developers to test their error handling code against a reliable error source. Artificial response delays can be configured via a query parameter, allowing testing of how an application behaves during slow API responses — showing loading spinners, disabling submit buttons to prevent double submission, and providing user feedback while waiting for server responses. For Nigerian developers learning full-stack web development or mobile development, ReqRes provides the user management API endpoints needed to build complete, realistic practice applications — user registration, login, profile pages, and settings — without needing a custom backend. The experience of building against ReqRes directly translates to integrating with real authentication APIs. Nigerian React, Vue.js, and Flutter developers commonly use ReqRes alongside state management libraries (Redux, Vuex, Riverpod) to practice managing authentication state, persisting login sessions, and handling token refresh patterns in realistic application architectures. ReqRes also demonstrates resource-not-found behavior correctly — requesting user IDs that are outside the valid range returns a 404 status with an empty body, teaching developers to handle not-found scenarios with appropriate UI feedback. This negative testing capability is important for building robust applications that handle missing data gracefully. The /api/register endpoint distinguishes between successful registration (when using test credentials that ReqRes recognizes) and error responses for unsupported email addresses — providing both success and failure paths for registration flow testing. Nigerian developers building registration UIs can test both the happy path and the error state against the same endpoint. ReqRes's documentation page serves as a live interactive demo — all API calls shown in the documentation are clickable and execute against the live service, demonstrating responses directly in the browser. This makes it an excellent self-service resource for Nigerian developers who want to explore API behavior without writing any code first.

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Jumio

Jumio

Jumio is an enterprise-grade identity verification and fraud prevention platform used by banks, fintechs, insurers, and regulated businesses across more than 200 countries. Founded in 2010 and headquartered in Sunnyvale, California, Jumio pioneered the use of artificial intelligence and computer vision for automated ID document authentication and biometric face verification. The company processes hundreds of millions of identity verifications annually and serves clients including Coinbase, Monzo, United Airlines, and various top-tier banks. ## What the API Does Jumio's core product is its KYX Platform — an end-to-end identity orchestration layer that brings together document verification, biometric authentication, AML screening, and fraud signals into a single configurable workflow. Unlike simpler KYC APIs, the KYX Platform allows compliance teams to design multi-step verification journeys with conditional logic, retry flows, and escalation paths — all without writing additional backend code. At the document layer, Jumio supports over 1,500 ID document types globally, including Nigerian international passports, National Identity Management Commission (NIMC) NIN slips, driver's licenses, and voter cards. The platform uses AI-powered OCR to extract machine-readable data from documents, multi-factor authenticity checks to detect forgeries and tampering, and document liveness detection to reject printed or screen-captured documents. The biometric layer performs face matching between the selfie captured during onboarding and the photo on the submitted document. Active liveness detection (requiring the user to perform real-time gestures) prevents spoofing via static photos, videos, and increasingly sophisticated deepfake attacks. ## How Developers Use It Jumio is integrated via REST API or through pre-built SDKs for Web, iOS, and Android. Because Jumio is enterprise-only, the typical integration path is: (1) sign a contract and receive API credentials, (2) initialize a verification transaction on your server, (3) embed the Jumio Web SDK or Mobile SDK to collect the user's document and selfie in a guided capture experience, and (4) receive verification results via webhook when processing completes. Key API endpoints include `POST /initiate` to create a new verification session and obtain an SDK token, `GET /verifications/{transactionReference}` to retrieve detailed results including extracted data fields, authenticity scores, and individual check outcomes, and event webhooks that fire on verification completion, expiry, or manual review escalation. ## Pricing & Fees Jumio operates exclusively on custom enterprise pricing negotiated through their sales team. There are no publicly listed per-check rates. Pricing varies based on verification volume, geographic markets, product modules selected (e.g., document-only vs. document + AML), and contract length. Jumio does not offer a self-serve free tier. A sandbox environment with test credentials is provided during the sales/onboarding process for integration development and QA testing. ## Authentication Jumio uses OAuth 2.0 with the Client Credentials grant type. Developers exchange their API Key and API Secret for a short-lived bearer token via the `/oauth2/token` endpoint. This bearer token is then included as an `Authorization: Bearer {token}` header on all subsequent API requests. Tokens have a configurable expiry (default typically 30 minutes) and must be refreshed. Webhook payloads from Jumio are signed, and the signature should be verified before processing the payload. ## Rate Limits Jumio does not publish rate limit specifications. As an enterprise platform, throughput limits are negotiated per contract and scaled to the client's expected verification volume. Jumio's infrastructure is designed to handle burst verification loads (e.g., product launches, marketing campaigns) without throttling, subject to contractual terms. ## Compliance & Regulations Jumio holds ISO 27001 certification (information security), SOC 2 Type II attestation, PCI DSS compliance, and GDPR compliance. The platform supports FATF recommendations for identity verification, AMLD5/6 requirements in Europe, FinCEN guidelines in the US, and CBN KYC requirements for Nigerian financial institutions. Jumio's AML module screens against OFAC, EU, UN, UK Treasury, and other major watchlists for PEPs and sanctioned individuals. ## Challenges & Gotchas for Nigerian Developers 1. **Enterprise-only onboarding**: There is no self-serve signup. Nigerian startups must go through a sales process, which can take weeks. This makes Jumio unsuitable for developers who need to get started quickly. 2. **USD-denominated pricing**: Jumio bills in USD, and at enterprise volumes, costs can be substantial. Budget carefully based on your verification volume estimates. 3. **No native BVN integration**: Jumio does not directly query the NIBSS BVN database — for BVN verification, you need a separate Nigerian-specific API. 4. **Data residency**: Verify data residency options with Jumio during contract negotiation, particularly for NDPR compliance regarding Nigerian user biometric data. 5. **SDK hosting requirements**: The Jumio Web SDK must be served over HTTPS. Ensure your hosting environment is SSL-configured before testing. ## Company Background Jumio was founded in 2010 by Daniel Mattes and is backed by investors including Centana Growth Partners and Millennium Technology Value Partners. The company processes over 500 million verifications annually and has won multiple industry awards for fraud prevention technology. In recent years, Jumio has expanded its AI capabilities significantly, adding deepfake detection and synthetic identity fraud prevention to its core product. ## Frequently Asked Questions **Q: Can a Nigerian startup use Jumio without a US entity?** A: Yes. Jumio onboards international businesses including Nigerian companies. You will need to complete their enterprise onboarding process with valid business registration documents. **Q: How long does enterprise onboarding take?** A: Typically 2–4 weeks from initial contact to receiving live API credentials, depending on contract negotiation and compliance documentation. **Q: Does Jumio support NGN billing?** A: No. Jumio invoices in USD only. **Q: What happens if a user fails verification?** A: Jumio returns a detailed decision including the specific check that failed (e.g., document authenticity, liveness, face match). You can configure retry flows within the KYX Platform or redirect users to a manual review queue.

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Kora Identity

Kora Identity

Kora Identity is the multi-country identity verification feature set within the Kora API (formerly Korapay). It enables Nigerian and pan-African fintechs to verify individuals and businesses across four African countries — Nigeria, Ghana, Kenya, and South Africa — using a single API key shared with Kora payment services. The identity service provides instant verification against government databases using cutting-edge encryption and security protocols. What It Does Kora Identity offers two categories of verification: individual KYC and business KYB. For Nigeria: BVN (Bank Verification Number), NIN (National Identification Number), vNIN (Virtual NIN), and phone number verification. For Ghana: International Passport, SSNIT number, Voters Card, and Driver's Licence verification. For Kenya: International Passport, National ID, phone number, and Tax PIN verification. For South Africa: SAID (South African ID Number) verification. For Nigeria KYB: CAC (Corporate Affairs Commission) business registration verification. How Developers Use It Same credentials as Kora payments — authenticate with Bearer token using Secret Key. Documentation at developers.korapay.com/docs/verify-customers-businesses. Verification costs are deducted per lookup from the Kora account balance. Live mode and Identity service activation required in dashboard before using in production. An OpenAPI specification is available at developers.korapay.com/llms.txt. Pricing Per-verification pricing deducted from Kora account balance. No public rate card. Contact Kora for identity service pricing. Nigeria-Specific Verification Coverage Nigeria has the most comprehensive coverage: BVN (tied to all Nigerian bank accounts), NIN (national ID from NIMC), vNIN (privacy-safe virtual NIN that can be shared without exposing full NIN), and phone number verification. CAC business verification confirms company registration with the Nigerian Corporate Affairs Commission. Challenges and Gotchas (1) Identity service must be separately activated in the Kora dashboard — not automatically available with a new account. (2) No liveness detection, document capture, or selfie match — Kora Identity is data-matching only. (3) Per-lookup billing means costs scale with verification volume. (4) For full biometric KYC (selfie + document), use Smile Identity or Dojah instead. Company Background Kora (formerly Korapay) is a CBN-licensed Nigerian fintech company with multi-country operations. The identity product is part of a broader strategy to be the end-to-end payment and compliance infrastructure for pan-African fintechs. FAQs Q: Does Kora Identity support NIN verification? A: Yes. NIN and vNIN (Virtual NIN) are both supported for Nigeria. Q: Can I verify a business registration (CAC)? A: Yes. CAC verification for Nigerian businesses is supported. Q: Is Kora Identity available in Kenya? A: Yes. Passport, National ID, phone, and Tax PIN verification for Kenya are supported. Q: Do I need a separate API key? A: No. The same Bearer token used for Kora payments is used for identity verification. Kora Identity's multi-country verification scope — covering BVN and NIN in Nigeria, SSNIT and Voter Card in Ghana, and National ID in Kenya — means that Nigerian fintechs expanding to multiple African markets can use the same identity verification provider that powers their Nigerian KYC workflow for their expansion markets, rather than establishing separate identity verification relationships in each new country. This KYC infrastructure continuity reduces integration complexity as platforms expand their geographic footprint. The bank account verification capability within Kora Identity — resolving the account holder name for a provided account number and sort code — prevents payment failures due to account number typos and reduces fraud from account number substitution. For Nigerian platforms processing disbursements to many recipients, pre-validating account details before initiating transfers reduces failed disbursement rates and the operational burden of investigating and correcting failed transfers. CAC business verification through Kora Identity allows platforms serving Nigerian business customers to verify that a provided company name and RC number correspond to a registered and active business entity in the Corporate Affairs Commission database. For B2B lending platforms, supply chain finance providers, and corporate onboarding workflows, CAC verification provides an automated corporate KYC data point that replaces manual document review.

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Mono Connect

Mono Connect

Mono is a Nigerian open banking and financial data infrastructure company that enables developers to build financial products by connecting customer bank accounts for data access, payments, and identity verification. Founded in 2020 by Abdul Hassan and Prakhar Sharma, Mono has raised funding from Sequoia Capital India and other top investors, and is one of Africa's leading open banking providers, covering over 30 Nigerian banks and financial institutions. The Mono platform is organized into three main API products: Financial Data, Payments (DirectPay), and Identity Verification. All three use the same developer credentials and are accessed via the Mono Connect widget — an embeddable authentication flow that allows customers to authorize Mono's access to their bank account using their internet banking credentials, in accordance with CBN open banking guidelines. The Financial Data API provides programmatic access to a bank account's transaction history, current balance, income patterns, and bank statements after the customer authorizes access through the Connect widget. Lenders use this data for credit scoring — analyzing spending patterns, income credits, and debt obligations from actual bank statements rather than relying on self-reported income. The transactions endpoint returns categorized transaction records covering 12–24 months of history depending on the bank. The Payments API, branded as DirectPay, enables businesses to initiate single direct debits from a linked customer bank account — charging the account directly without requiring the customer to enter card details. DirectPay is powered by open banking standards, with all transactions encrypted end-to-end. Pricing is 1% per successful transaction, capped at NGN 1,000. This makes DirectPay significantly cheaper than card payment fees (Paystack charges 1.5% + ₦100 capped at ₦2,000) for high-value transactions — for example, a ₦500,000 loan repayment via DirectPay costs ₦1,000 (capped), versus ₦2,100 via card. Mono also offers a Recurring Direct Debit product — where a customer authorizes ongoing debits on a schedule — enabling subscription billing, loan installment plans, and salary deductions using open banking mandates rather than card tokens. Authentication is handled via the Client Secret Key, which is included in request headers as mono-sec-key. Public keys are used client-side to initialize the Connect widget. Mono provides SDKs for React, React Native, JavaScript, Android, and iOS — all of which embed the Connect widget and handle the token exchange flow. Most integrations take 2–4 hours. For identity verification, Mono offers BVN verification, NIN verification, and document verification (government-issued ID). These are standalone API calls that do not require bank account linking — useful for KYC onboarding where the business needs to verify user identity before granting access to financial services. Mono's Identity API also supports address verification and company verification via CAC data — enabling Know Your Business (KYB) checks for B2B platforms and marketplace operators. The sandbox environment is available at mono.co/sandbox with test bank credentials provided in the documentation. All three products (Financial Data, DirectPay, Identity Verification) are testable in sandbox mode before going live. From a compliance standpoint, Mono operates under the CBN's Regulatory Framework for Open Banking in Nigeria. All data access is customer-authorized and consent-revocable. Mono is registered with the Nigerian Data Protection Regulation (NDPR) as a data controller and processor. The Connect widget displays clearly what data a business is requesting before the customer approves access. Mono covers over 30 Nigerian financial institutions including GTBank, First Bank, Zenith Bank, Access Bank, UBA, Sterling Bank, Kuda, OPay, PalmPay, and most major microfinance banks. Frequently Asked Questions: Can I access a customer's bank account without their permission? No — the Mono Connect widget requires explicit customer authorization. The customer sees exactly what data the platform is requesting and must provide their internet banking credentials to approve access. How long does bank account access last? Customer authorizations can expire or be revoked. Mono's refresh token mechanism allows businesses to refresh data access periodically, but customers can revoke access at any time via the Mono Customer Portal. Does DirectPay work for all Nigerian banks? DirectPay covers 30+ institutions but not all banks. Coverage continues to expand as Mono adds new integrations. Can I use Mono for business account verification? Yes — Mono's Identity API includes CAC verification for business account checks, in addition to individual BVN/NIN verification.

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Prembly (IdentityPass)

Prembly (IdentityPass)

Prembly (formerly known as IdentityPass) is a Nigerian-founded identity verification and compliance infrastructure company serving businesses across Africa. Originally launched as IdentityPass — with the Identitypass brand still widely recognized — the company now operates under the Prembly name while maintaining the "Identitypass by Prembly" product identity. All three domains (identitypass.com, myidentitypass.com, prembly.com) resolve to the same company, with prembly.com being the current primary brand. Prembly provides a comprehensive API that allows businesses to verify individual and business identities using government-backed data sources across seven African countries: Nigeria, Kenya, Ghana, Uganda, South Africa, Sierra Leone, and Rwanda. In Nigeria, Prembly is NIMC-licensed, meaning it has direct, authorized access to NIN data from Nigeria's National Identity Management Commission — one of the most critical authorizations for any Nigerian KYC provider. **Core Verification Services** For Nigeria, Prembly's API covers: 1. **BVN Verification (Basic and Advanced)**: Verify a Bank Verification Number against the CBN/NIBSS database. Basic returns name and DOB; Advanced returns full customer details including phone, enrollment bank, and photo. 2. **NIN Verification**: Verify a National Identification Number against NIMC's database, returning name, DOB, gender, and photo. Supports both standard NIN and Virtual NIN (vNIN) verification — the tokenized format required by NIMC's new data privacy policy. 3. **BVN + NIN + Phone Mashup**: A single API call that simultaneously verifies BVN, NIN, and phone number — dramatically simplifying KYC integration by reducing three separate calls into one. 4. **CAC Company Verification (KYB)**: Look up and verify a Nigerian company's CAC registration details — company name, registration number, directors, and status — for Know Your Business (KYB) compliance. 5. **FRSC Driver's License Verification**: Verify a Nigerian driver's license against the Federal Road Safety Commission database. 6. **International Passport Verification**: Verify a Nigerian international passport number and details. 7. **Vehicle Plate Number Verification**: Match a vehicle plate number to the registered owner's details. 8. **Stamp Duty Verification**: Verify stamp duty documents. 9. **Bank Account Name Verification**: Confirm that a bank account name matches the account number before initiating transfers — fraud prevention for disbursements. 10. **Address Verification**: Physical and digital address verification for Nigerian addresses. 11. **Facial Recognition & Liveness Detection**: Biometric verification matching a live selfie to a government ID photo, with liveness checks to prevent spoofing. **RadarR — AML & Compliance Screening** Prembly's RadarR product provides Anti-Money Laundering (AML) screening, sanctions list checking, and Politically Exposed Person (PEP) screening. This is a separate product within the Prembly ecosystem, designed for businesses with regulatory obligations to screen customers against global watchlists. **Pan-African Coverage** Beyond Nigeria, Prembly supports identity verification in Kenya, Ghana, Uganda, South Africa, Sierra Leone, and Rwanda — using country-specific national ID documents and verification databases. This makes Prembly a strong choice for platforms expanding across Africa without needing country-specific verification vendors. **Authentication & Developer Experience** API access is managed through dashboard.prembly.com. Keys are passed via the x-api-key header or as Bearer tokens. Sandbox credentials are available immediately upon account registration — no documents or credit card required for testing. Production access requires business verification (CAC + director ID). SDKs are available for Python (github.com/prembly/prembly_python) and JavaScript (Vanilla), with additional language support maintained in the Prembly GitHub organization. **Pricing** Prembly uses per-verification pricing. Rates vary by verification type (simpler lookups like NIN cost less than biometric or address verifications). No flat-rate pricing is publicly listed — sign up at dashboard.prembly.com for a pricing quote or enterprise plan. Volume discounts are available. **Compliance** Prembly is NIMC-licensed for NIN data access and complies with CBN KYC tiers 1–3, NDPR (Nigeria Data Protection Regulation), and relevant data privacy regulations in each supported country. All data handling adheres to NIMC's vNIN tokenization requirements. **Challenges** Pricing is not transparent without registration, which slows initial evaluation. Physical address verification involving field agents takes longer than instant digital checks. For international markets beyond Prembly's seven supported countries, a global KYC provider (Smile Identity, Sumsub, Jumio) would be needed. **Frequently Asked Questions** Q: Is Prembly the same as IdentityPass? A: Yes. Prembly is the parent company, and "Identitypass by Prembly" is the product name. All three domains (identitypass.com, myidentitypass.com, prembly.com) are the same company. Q: Can I test without a registered business? A: Yes. Sandbox access at dashboard.prembly.com requires only an email registration — no documents needed. Q: Does Prembly support AML screening? A: Yes, via the RadarR product — a separate AML and sanctions screening module within the Prembly ecosystem. Q: What is the BVN+NIN+Phone mashup endpoint? A: A single API call that verifies all three data points simultaneously, simplifying KYC for Nigerian customer onboarding. Q: Which African countries does Prembly support? A: Nigeria, Kenya, Ghana, Uganda, South Africa, Sierra Leone, and Rwanda.

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Sumsub

Sumsub

Sumsub (Summary Verification) is a comprehensive identity verification and compliance platform used by over 2,000 businesses globally to verify users, screen for AML risks, monitor transactions, and onboard corporate entities. Headquartered in London with offices across Europe and the Americas, Sumsub powers KYC (Know Your Customer), KYB (Know Your Business), AML screening, and fraud prevention through a single API and no-code workflow builder. ## What the API Does Sumsub provides a suite of verification products accessible through a unified REST API. At the core is its document verification engine, which supports over 14,000 ID document types from more than 220 countries and territories. The platform extracts data from submitted documents using OCR, validates authenticity through tamper detection and security feature analysis, and cross-references extracted data against government databases where available. Beyond document checks, Sumsub offers biometric face matching — comparing a selfie to the document photo — combined with active and passive liveness detection to prevent spoofing attacks using printed photos, videos, or 3D masks. The platform also includes Nigerian NIN slip recognition, voter card parsing, and international passport verification, making it well-suited for Nigerian developer compliance requirements. ## How Developers Use It Developers integrate Sumsub via REST API or through pre-built mobile/web SDKs for iOS, Android, React Native, and Flutter. The typical integration flow involves creating an applicant (a user object in Sumsub), generating an SDK access token, and embedding the Sumsub Web SDK or Mobile SDK to collect the user's documents and selfie. The SDK handles the camera capture, liveness instructions, and document upload entirely in-browser or in-app, and fires a webhook back to your server when verification completes. For server-side processing, key endpoints include: `POST /resources/applicants` to create an applicant, `GET /resources/applicants/{applicantId}/status` to check verification status, `GET /resources/applicants/{applicantId}/one` to retrieve full check results, and `POST /resources/applicants/{applicantId}/requiredIdDocs` to configure which document types to accept. Sumsub Studio is the platform's no-code workflow builder where teams can design custom verification journeys — choosing which checks to run (document, biometric, AML, database, etc.) in what order, with conditional branching based on risk signals, without writing additional code. ## Pricing & Fees Sumsub operates on a per-verification pricing model with monthly minimum commitments. For non-regulated use cases (e.g., marketplaces, gig economy), pricing starts at $149/month with a per-verification cost of approximately $1.35. For regulated entities (fintechs, banks, crypto exchanges), the minimum rises to $299/month with per-verification costs around $1.85. Enterprise plans with custom pricing are available for high-volume customers. Sumsub does not publicly list a free tier; however, a sandbox environment with test credentials is available to all registered developers at no cost. ## Authentication Sumsub uses a dual-token authentication system. Each API request requires an App Token (passed in the `X-App-Token` header) and a request-specific HMAC SHA-256 signature (passed in the `X-App-Access-Sig` header, generated by signing the request body + timestamp using your Secret Key). This scheme prevents replay attacks and ensures requests cannot be tampered with in transit. Developers must store the Secret Key securely and never expose it client-side. The Sumsub SDK separately uses short-lived SDK Access Tokens generated server-side to authenticate end-user sessions. ## Rate Limits Rate limits are not publicly published and vary by plan tier. Sumsub's enterprise plans are designed for high-volume throughput, and production limits are negotiated as part of the contract. Developers on standard plans should contact Sumsub support to confirm their applicable limits. The sandbox environment has its own separate limits appropriate for testing. ## Compliance & Regulations Sumsub is ISO 27001 certified and GDPR compliant. The platform supports compliance with FATF (Financial Action Task Force) recommendations for AML screening, PEP and sanctions list checks against global watchlists including OFAC, EU, UN, and UK Treasury lists. For Nigerian businesses, Sumsub's checks are compatible with CBN KYC guidelines (customer due diligence requirements), NDPR data handling requirements, and EFCC AML obligations. For crypto businesses, the platform includes a Travel Rule module supporting compliance with the FATF Travel Rule for Virtual Asset Service Providers (VASPs), enabling originator/beneficiary data transmission for transactions above regulatory thresholds. ## Challenges & Gotchas for Nigerian Developers 1. **No native BVN lookup**: Sumsub does not directly query the NIBSS BVN database. For BVN verification, you would need to combine Sumsub with a Nigerian BVN API like Mono or Okra. 2. **HMAC signing complexity**: The request signing process is more involved than a simple API key — developers must correctly generate the HMAC SHA-256 signature on every request. Using the official SDK wrappers significantly reduces integration friction. 3. **Pricing for Nigerian scale**: At $1.35–$1.85 per verification, the cost can be significant for mass-market Nigerian apps with millions of users. Factor verification costs into your unit economics early. 4. **Data residency**: Sumsub stores verification data in EU-based infrastructure by default. For NDPR compliance, confirm your data processing agreement covers Nigerian user data appropriately. 5. **Webhook reliability**: Always verify incoming webhooks using the Sumsub signature header before trusting the payload — do not skip webhook signature validation in production. ## Company Background Sumsub was founded in 2015 and is headquartered in London, United Kingdom. The company has raised over $30 million in funding and serves clients in banking, crypto, lending, insurance, and marketplace industries. Notable clients include Bitpanda, Mercuryo, and Rapyd. Sumsub has a dedicated compliance team and regularly updates its watchlist databases and ID document templates. ## Frequently Asked Questions **Q: Can I use Sumsub without a business registration in Nigeria?** A: You can sign up and start testing in sandbox mode without a Nigerian business registration. Going live and enabling billing requires a valid business entity and may require compliance documentation. **Q: Does Sumsub support NGN billing?** A: Sumsub bills in USD. Nigerian businesses will need to pay via USD card, wire transfer, or through a payment provider that supports USD billing. **Q: How long does a verification take?** A: Automated decisions are returned in under 60 seconds in most cases. Manual review (for edge cases flagged by the system) typically takes a few hours. **Q: Is there a free trial?** A: Sumsub provides a full-featured sandbox environment for testing. A paid subscription is required to go live and run real verifications.

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Woven Finance

Woven Finance

Woven Finance is a Nigerian Banking-as-a-Service (BaaS) infrastructure company that enables fintechs, microfinance banks, cooperatives, and digital platforms to embed banking products into their applications through a developer-first API. Woven partners with CBN-licensed Nigerian microfinance banks to provide its underlying banking infrastructure — meaning the virtual accounts and financial products that businesses build on Woven are backed by actual licensed banking institutions, not just payment licenses. The Woven Finance developer API is documented at woven.finance/developer and provides access to virtual accounts, payouts, card payments, bank transfer collections, and direct debit mandates. Authentication uses an API Key or Bearer Token obtained through the Woven Finance developer account. SDKs and plugins are available for popular development environments, with the Woven support team providing direct assistance during integration. The flagship Woven product is multi-bank virtual accounts. Unlike single-bank virtual accounts offered by most Nigerian gateways (which are typically backed by one specific bank), Woven Finance enables customers to be assigned virtual account numbers from multiple Nigerian microfinance banks simultaneously. This multi-bank approach significantly improves payment collection resilience — if one bank's system is experiencing downtime or NIP (Nigerian Inter-Bank Payment) routing issues, customers can use another bank's virtual account number. For wallet-based fintech apps, this means higher collection success rates and fewer failed deposits during peak periods. The Payouts API allows platforms to disburse funds to any Nigerian bank account. The Bank Transfer Collections module enables businesses to receive payments via bank transfers into assigned virtual accounts, with real-time webhook notifications on fund arrival. The Direct Debit feature allows platforms to set up recurring debit mandates on customer accounts for subscription billing, loan repayments, or savings contributions. Woven Finance also supports card payment acceptance, enabling platforms that want to offer multiple payment options to collect from card-holding customers without managing a separate card payment gateway integration. A notable use case for Woven Finance is cooperative societies and savings groups. Nigerian cooperatives (ajo, esusu) can use Woven's virtual account API to assign unique collection accounts to each member — automatically reconciling monthly contributions, tracking balances, and sending notifications when a member's contribution arrives. This eliminates the manual cash collection processes that most cooperatives still rely on. For Nigerian microfinance banks (MFBs) themselves, Woven Finance offers a platform for extending their banking infrastructure to fintech partners — allowing MFBs to participate in the growing embedded finance ecosystem by powering the backend of apps built by their fintech partners. The sandbox environment is available for testing all Woven Finance products. Moving to live requires completing onboarding and KYC with Woven Finance and their partner MFBs. As a BaaS provider working with multiple banking partners, Woven may require additional documentation depending on the specific banking product being deployed. From a compliance standpoint, Woven Finance operates through its partner microfinance banks, which are CBN-licensed. All customer funds held in Woven-powered virtual accounts are held in licensed bank accounts with NDIC deposit insurance protection. Woven Finance itself complies with the CBN's guidelines on Banking-as-a-Service and embedded finance. Known challenges: Woven Finance is less publicly documented than Paystack or Flutterwave. Developer documentation is functional but less comprehensive. Integration support is primarily relationship-driven — the Woven team provides active support during onboarding but self-service documentation depth is growing. Frequently Asked Questions: What makes Woven Finance different from other Nigerian payment gateways? Woven's multi-bank virtual account model is a significant differentiator. Most gateways give you virtual accounts from one bank; Woven gives customers accounts from multiple banks simultaneously, improving collection resilience. Do Woven Finance virtual accounts have NDIC deposit insurance? Yes — because Woven operates through licensed microfinance bank partners, customer funds in Woven virtual accounts benefit from NDIC insurance coverage. Can I use Woven Finance for a savings or wallet app? Yes — Woven Finance is specifically designed for wallet and savings product infrastructure. The multi-bank virtual account product is ideal for building savings apps, digital wallets, and cooperative management systems.

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ScreenshotAPI.net

ScreenshotAPI.net

ScreenshotAPI.net is a website screenshot API that uses headless Chrome to capture pixel-perfect screenshots of any URL on demand, delivering clean, accurate representations of how web pages appear in a real browser. The service manages all the browser infrastructure, rendering pipeline, and hosting — developers need only make a simple HTTP request to receive a screenshot. The full-page capture mode is one of the API's most practical features: it captures the entire scrollable length of a web page rather than just the visible viewport, producing tall screenshot images that contain all the page content from top to bottom. This is valuable for design archives, visual content auditing, and creating complete page records without manually scrolling and stitching images. Element-specific capture uses CSS selectors to screenshot only a specific element on the page — a chart, a header, a data table, or any element that can be targeted with a CSS selector. This granular capture mode is useful when only a specific component of a page is needed, and eliminates the need to crop a full-page screenshot programmatically afterward. Custom viewport dimensions allow both desktop and mobile screenshots from the same URL. Setting width to 375px and height to 812px simulates an iPhone viewport, while 1920x1080 captures a typical desktop view. This dual-viewport capability is important for responsive design testing and generating platform-specific preview images. The scroll-to-load delay parameter inserts a configurable wait period before capture, allowing dynamically loaded content, animations, and lazy-loaded images to finish rendering. Without this delay, screenshots of JavaScript-heavy applications might capture a loading state rather than the finished page content. For Nigerian developers and agencies, ScreenshotAPI.net provides a reliable, well-documented tool for a recurring need in web development workflows. Website portfolios require thumbnail screenshots of all client sites. Monitoring tools benefit from visual snapshots at anomaly moments. Social platforms improve engagement with visual link preview cards. Nigerian fintech and compliance platforms that need to document the state of third-party web pages for audit trails — such as screenshotting a pricing page at the time of a customer complaint, or capturing a business registration portal page for due diligence — can automate this through the API rather than relying on manual captures. The REST API uses a simple GET request pattern with the target URL, API key, and configuration parameters as query parameters. The response delivers the screenshot image directly or as a URL, depending on the configured response format. The freemium tier provides 100 screenshots per month at no cost — sufficient for evaluation and low-volume production use. ScreenshotAPI.net's lazy load handling uses a combination of page scroll simulation and configurable wait time to ensure content that loads on user scroll — product images, infinite-scroll lists, lazy-loaded advertisements — is visible in the captured screenshot rather than showing blank placeholder areas. This produces more accurate screenshots of modern websites that use performance-optimized lazy loading. The block_ads parameter strips advertisements from the captured page before screenshotting, producing cleaner images for content archival and portfolio display purposes. Nigerian agencies capturing competitor screenshots or archiving web content for research find this parameter useful for getting the actual page content without ad overlay interference. CSS injection via the custom_css parameter allows injecting stylesheet rules that are applied to the page before screenshotting — hiding specific elements, adjusting positioning, or removing cookie banners and overlays. This programmatic control over what appears in screenshots makes ScreenshotAPI.net suitable for generating clean, production-quality images for Nigerian business applications rather than just development tooling.

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AgroClimate Africa

AgroClimate Africa

AgroClimate Africa is a specialized agricultural climate data and advisory service focused on providing Africa-relevant seasonal climate information and agrometeorological guidance to farming communities, extension services, and agritech developers across African agricultural zones including Nigeria. Unlike global weather APIs that deliver general meteorological parameters, AgroClimate Africa tailors its data and analytics products specifically to the needs of African smallholder and commercial farmers, providing climate information relevant to the specific crops, calendar systems, and growing conditions of tropical African agriculture. Seasonal climate forecasting is the core service that makes AgroClimate Africa particularly valuable for agricultural planning in Nigeria. Nigeria's agriculture operates under two primary seasonal patterns: the southern bimodal zones receive two rainy seasons (March-July and September-November), while the northern Sudan Savanna and Sahel zones receive a single main rainy season (May-September). The precise onset, duration, and intensity of these seasons varies significantly from year to year, and early-season climate forecasts inform critical decisions about what to plant, when to plant, and how much to invest in inputs. Rainfall onset prediction is the single most important seasonal forecast for Nigerian smallholder farmers. The decision of when to plant is determined primarily by when the rains begin, and false onset events — brief early rains followed by dry spells — are a major source of crop failure when farmers plant prematurely. AgroClimate Africa's onset forecasting, calibrated to Nigerian and African climate dynamics rather than global models, helps farmers and extension services distinguish likely genuine onset from false starts and time first planting appropriately. End-of-season rainfall forecasting helps Nigerian farmers plan late-season activities. Understanding whether the rains are likely to continue for 3 more weeks or 6 more weeks affects decisions about late-season fertilizer applications (worthwhile only if adequate time remains for crop uptake), second crop planting in bimodal zones, and harvest timing to minimize field exposure to late-season weather risks. AgroClimate Africa's African-calibrated end-of-season guidance provides actionable planning information that general global climate forecasting products do not optimize for Nigerian agricultural contexts. Agrometeorological bulletins and derived agricultural advisories from AgroClimate Africa translate climate forecast information into crop management guidance. Rather than providing raw climate data that farmers must interpret themselves, the service contextualizes climate information in terms of specific agricultural recommendations — which crops are better suited for this season's expected conditions, whether additional irrigation investment is warranted given the seasonal rainfall forecast, which planting windows to target based on expected onset and cessation dates. Nigerian agritech platforms and digital extension services can integrate AgroClimate Africa API data to power seasonal decision-support features within farmer-facing applications. A farm advisory app that can tell a farmer in Kano, Kaduna, or Benue when the seasonal rains are most likely to begin, how the season compares to historical average, and what management adjustments to make based on expected conditions provides genuine decision value beyond what generic weather forecast apps deliver. Agricultural risk management in Nigeria increasingly incorporates climate information. Insurance companies offering index-based agricultural insurance can use AgroClimate Africa seasonal forecasts and historical climate data to price products, define trigger thresholds for rainfall deficit payouts, and communicate weather risks to policyholders. Crop lending institutions use climate season assessments to set expectations about credit risk for a given season's loan portfolio. The agricultural research community in Nigeria uses seasonal climate outlooks to design multi-year trials, plan crop variety testing across different climate scenarios, and interpret experimental results in the context of the climate conditions during the trial period. Agronomists and plant breeders working with IITA (International Institute of Tropical Agriculture), which has major research operations in Nigeria, routinely incorporate seasonal climate forecasting into research program planning.

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Exchangerate.host

Exchangerate.host

Exchangerate.host is a free and freemium currency exchange rates API providing real-time and historical FX data for over 170 currencies including the Nigerian Naira, backed by multiple financial data sources and offering exceptional coverage breadth that spans traditional fiat currencies, precious metals, and cryptocurrency prices in a single unified API service. The API is particularly well regarded in the developer community for its generous free tier, which historically offered unlimited requests without rate limits. For Nigerian developers building applications with high currency conversion volumes — such as fintech platforms, e-commerce stores serving both local and international customers, or analytics dashboards showing FX trends — the ability to access live rates without per-query costs represents significant economic value, especially during the prototype and early growth phases where revenue is not yet sufficient to justify paid data subscriptions. The real-time rates endpoint fetches the latest exchange rates for all supported currencies relative to a specified base currency. Rates are updated multiple times daily from the aggregated financial market data providers that power the service. Nigerian applications displaying live Naira exchange rates against USD, EUR, GBP, and other currencies can rely on Exchangerate.host for current rate data that accurately reflects prevailing market conditions. Historical data access extends back years, enabling trend analysis and retrospective financial calculations. For Nigerian businesses reconciling multi-currency accounts, calculating the historical Naira value of foreign currency assets and transactions, or analyzing how the Naira has performed against trading partner currencies during specific economic periods, historical rate lookups are an essential feature. The API supports specifying any past date to retrieve the exchange rates that were in effect on that day. Cryptocurrency rate coverage sets Exchangerate.host apart from traditional fiat-only currency APIs. The API includes prices for Bitcoin, Ethereum, and hundreds of other cryptocurrencies converted to fiat currencies, enabling developers to display crypto-to-Naira conversions or integrate crypto pricing into the same FX data layer used for traditional currencies. For Nigerian fintech applications serving both traditional banking customers and crypto-aware users, consolidating fiat and crypto rates through a single API simplifies integration significantly. Precious metals prices are included alongside fiat and crypto rates. Gold, silver, platinum, and palladium prices are expressed in terms of currency units per troy ounce, enabling applications to display commodity prices alongside currency rates. For Nigerian investors tracking gold prices as an inflation hedge or investment tool, having gold prices available through the same API used for FX data is a convenient consolidation. Currency conversion is supported through a dedicated convert endpoint accepting source currency, target currency, and amount. This endpoint handles the calculation server-side, returning the converted amount and the rate applied. For applications that only need the conversion result rather than the underlying rate data, this endpoint minimizes response parsing complexity. Nigerian e-commerce platforms serving both the domestic market and the Nigerian diaspora in the UK, US, and Europe can use Exchangerate.host to display accurate Naira pricing to local customers while showing equivalent foreign currency prices to international visitors. Real-time rates ensure pricing remains accurate as the Naira exchange rate fluctuates, protecting businesses from pricing mismatches caused by stale rates. The API authenticates through an API key for the paid plans. The JSON response format is consistent and clearly documented with example requests available for all major programming languages. Paid plans unlock higher rate update frequencies, more historical data, and premium support, providing a clear upgrade path as applications grow from prototype to production scale.

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Climate in Africa

Climate in Africa

Climate in Africa API is a specialized climate data service focused on providing high-quality historical climate records, seasonal forecasts, climate risk indices, and country-level climate profiles specifically for the African continent. Unlike global weather APIs that offer limited historical depth and generic climate data, Climate in Africa is designed with African climate dynamics in mind — incorporating regional climate models calibrated to the inter-tropical convergence zone, West African monsoon systems, El Nino Southern Oscillation effects on African rainfall, and the Indian Ocean Dipole influences on East African precipitation patterns. For Nigerian climate analysts, agricultural planners, and development organizations, this Africa-specific context makes Climate in Africa data more relevant and actionable than generic global climate APIs. Historical rainfall data from Climate in Africa provides long-run monthly and annual precipitation records for Nigerian locations, drawing on station observations, reanalysis data, and satellite-derived precipitation estimates to fill gaps in Nigeria's meteorological station network — particularly in data-sparse northern and rural regions. Nigerian insurance companies developing rainfall index insurance products for smallholder farmers need multi-decade historical rainfall distributions to set fair trigger thresholds and calculate actuarially sound premiums, and Climate in Africa provides this historical depth. Seasonal climate forecasts from Climate in Africa are generated using coupled ocean-atmosphere climate models that account for sea surface temperature anomalies in the Atlantic and Indian Oceans that strongly influence African rainfall variability. These forecasts provide probabilistic outlooks for above-normal, normal, and below-normal seasonal rainfall and temperature for specific regions and countries, issued months in advance of the coming season. Nigerian agribusinesses planning seed procurement volumes, fertilizer orders, and staffing for the planting season can use seasonal forecast data to make probabilistic supply chain decisions rather than planning based only on historical averages. Drought monitoring indices from Climate in Africa include the Standardized Precipitation Index (SPI), Standardized Precipitation Evapotranspiration Index (SPEI), and Vegetation Condition Index (VCI) for Nigerian regions. These indices provide objective measures of drought severity on various timescales — 1 month, 3 months, 6 months, and 12 months — enabling Nigerian agricultural agencies, food security organizations like WFP and FAO operating in Nigeria, and humanitarian NGOs to track developing drought conditions in the drought-prone northern states months before crop failure manifests visibly. Climate risk profiling capabilities allow Nigerian users to retrieve comprehensive climate characterization data for any location: mean annual temperature and rainfall, temperature and rainfall seasonality patterns, frequency of extreme events (heat waves, heavy rainfall, drought spells), and climate change trend analysis showing how temperatures and rainfall have shifted over recent decades. Nigerian urban planners, infrastructure engineers, and real estate developers can use climate risk profiles when making long-term investment decisions about location suitability for projects that will operate for 20-30 years under a changing climate. Temperature extremes data documents historical heat wave frequency, intensity, and duration in Nigeria — an increasingly important metric as climate change intensifies heat stress across the country. Nigerian public health departments, outdoor worker safety regulations, and urban heat island mitigation planning can use temperature extremes data to identify the highest-risk areas and periods. Climate in Africa operates a freemium model with a free tier providing access to basic climate profiles and limited historical data, and paid plans unlocking the full historical archive, higher API call volumes, and advanced forecast products. Research institutions and NGOs may access expanded free tiers by describing their use case during registration.

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OPay

OPay

OPay is a Nigerian digital financial services company and CBN-licensed Payment Service Bank that provides payment gateway APIs for businesses to accept online and offline payments. Originally founded as Opera Pay, OPay has grown into one of Nigeria's largest fintech platforms, backed by SoftBank Vision Fund 2, Sequoia Capital China, and other major investors. OPay operates the largest mobile money network in Nigeria with over 40 million registered users and hundreds of thousands of agents — making it unique among Nigerian payment gateways in that its checkout is also deeply integrated with a mass-market e-wallet used daily by tens of millions of Nigerians. The OPay Checkout API is a RESTful, PCI-compliant payment gateway that enables businesses to accept multiple payment methods through a single integration. Developers access the API documentation at doc.opaycheckout.com, which provides both a hosted Express Checkout option (where OPay handles the entire payment UI) and a Server-to-Server API option (where developers build their own payment UI and call OPay endpoints directly for full control over the customer experience). Authentication uses AppId and AppKey credentials from the OPay Business Dashboard. Requests are signed using HMAC for security. The AppId is passed in the request header, and the AppKey is used to generate a signature that validates the integrity of each API call. The Business Dashboard is also used to configure webhook URLs and IP whitelisting — both of which are required for production deployments. OPay supports the following payment channels for Nigeria: local debit card payments (3DS and non-3DS), bank transfer checkout (where customers receive a virtual account number to transfer to), USSD payments, bank account direct debit, and OPay e-wallet QR payments. The e-wallet QR channel is uniquely powerful — customers with the OPay app can scan a QR code to pay directly from their OPay wallet, and the cost to the merchant is just ₦5 per transfer (the lowest payout rate in the Nigerian market). On the pricing side, OPay charges 1.5% per local transaction capped at ₦2,000 — identical to Paystack and Monnify. International card transactions are charged at 4% with no cap. For payouts (transfers out), OPay wallet transfers cost ₦5 flat, while bank transfers to other Nigerian banks follow the industry standard: ₦10 for amounts up to ₦5,000, ₦25 for ₦5,001–₦50,000, and ₦50 above ₦50,000. Volume discount pricing is available for large-volume processors upon request. OPay also provides a WooCommerce plugin for WordPress-based e-commerce stores, enabling non-technical merchants to add OPay checkout without writing any code. A PHP SDK is also available for backend developers. Webhook notifications are available for payment confirmation events. Developers must configure webhook endpoints in the dashboard and validate webhook signatures to prevent fraudulent event injection. OPay's sandbox environment allows full testing of all payment channels before going live. Moving to live requires completing OPay's business onboarding including CBN KYC: CAC registration, director BVN and government ID, and a business bank account. From a compliance standpoint, OPay Digital Services Limited is CBN-licensed as a Payment Service Bank and operates under the Payment Service Bank (PSB) regulatory framework. All card data is processed in compliance with PCI-DSS. The OPay e-wallet is NDIC-insured up to ₦500,000. Known challenges: OPay's developer documentation is less comprehensive than Paystack's. Some advanced features (split payments, recurring billing) are not available. The e-wallet QR payment channel requires customers to have the OPay app installed, which is only relevant for merchants targeting OPay's user base. Frequently Asked Questions: How is OPay different from Paystack? OPay's main differentiator is the integration with its 40M+ user e-wallet for ₦5 QR payments. For developers building for OPay's mass-market user base, this is a significant advantage. For general e-commerce, Paystack has better documentation and more developer features. Does OPay support split payments or subscriptions? No — OPay's checkout API does not currently support split payments or recurring subscription billing. What is the OPay wallet QR payment? It allows merchants to display a QR code that customers with the OPay app can scan to pay directly from their OPay wallet at ₦5 per transaction.

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RexPay (Global Accelerex)

RexPay (Global Accelerex)

RexPay is a Nigerian payment gateway solution developed by Global Accelerex Limited, a leading electronic payment and business management solutions company operating in Nigeria and West Africa. Global Accelerex holds both a CBN Payment Solution Service Provider (PSSP) certification and a CBN Payment Terminal Service Provider (PTSP) certification — a dual certification that covers online payment processing and POS terminal management respectively. This makes Global Accelerex one of the few Nigerian companies with both licenses, giving RexPay institutional-grade credibility as a payment infrastructure partner. The RexPay API is RESTful with JSON payloads. Documentation is available at rexpay-docs.globalaccelerex.com. Authentication uses an API Key obtained from the RexPay merchant dashboard. Developers initialize payment transactions by sending a POST request with the amount and transaction reference, then display the RexPay checkout to the customer. RexPay supports three payment channels in Nigeria: card payments (Visa, Mastercard, Verve with 3D Secure / 2FA verification), internet banking transfers (bank-to-bank transfers via the customer's internet banking), and USSD (for customers on basic mobile phones without internet access). This covers the three primary payment behaviors of Nigerian consumers: card users, mobile banking users, and USSD users. For WordPress-based e-commerce stores, RexPay provides a WooCommerce plugin that can be installed directly from the WordPress plugin directory. This no-code integration allows Nigerian merchants to add RexPay checkout without writing a single line of code — simply install, configure the API key from the dashboard, and payments start flowing. Pricing for RexPay starts from $0 per month, indicating no mandatory platform fee. Transaction fees are commission-based and negotiated during merchant onboarding. The exact percentage rates are not published publicly but are competitive with other Nigerian gateways. The $0/month model makes RexPay accessible to small businesses and startups that cannot commit to monthly subscription fees. The sandbox environment allows full testing of all payment channels. Moving to live requires completing the Global Accelerex KYC process, which involves submitting CAC documents, director BVN, and business bank account information. From a compliance standpoint, Global Accelerex is CBN-certified under both the PSSP and PTSP frameworks, meaning that all payment transactions processed through RexPay meet CBN regulatory standards. PCI-DSS compliance ensures card data is handled and stored securely. RexPay is a focused Nigeria-only payment gateway — it does not currently support international payment corridors or other African countries. This is a trade-off that simplifies compliance but limits its usefulness for businesses with pan-African payment needs. Known challenges: RexPay's documentation and developer community are smaller than Paystack or Flutterwave. Advanced features like split payments, virtual accounts, and recurring billing are not currently supported. International card acceptance (for non-Nigerian Visa/Mastercard holders) may have limitations. Frequently Asked Questions: What is Global Accelerex? Global Accelerex is the parent company of RexPay. It is one of Nigeria's oldest e-payment companies, providing POS terminals, payment switches, and software solutions to Nigerian banks and enterprises since the early 2000s. Does RexPay work with WooCommerce? Yes — a WooCommerce plugin is available that allows Nigerian WordPress store owners to accept payments through RexPay without any coding. Can I use RexPay for B2B corporate payments? Yes — RexPay supports internet banking transfers, which is the preferred payment method for Nigerian corporate clients making large business-to-business payments.

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eTranzact

eTranzact

eTranzact International Plc is one of Nigeria's oldest and most established fintech companies, listed on the Nigerian Stock Exchange (NSE). Founded in 2003, eTranzact has been a foundational player in Nigeria's digital payments ecosystem — predating Paystack, Flutterwave, and most modern Nigerian payment gateways by over a decade. The company offers a suite of enterprise API products designed for banks, telcos, financial institutions, and government agencies. Developer documentation is available at developers.etranzactng.com. What the API Does eTranzact offers six primary API products: (1) SwitchIT — a bill payment API for utility, airtime, and service payments; (2) Virtual Account Service — for issuing and managing virtual bank account numbers; (3) AntPeer — loan mandate setup and automated repayment collection for digital lenders; (4) Instant Transfer — real-time interbank fund transfers via NIP; (5) e-Invoicing API — generating FIRS-compliant electronic invoices for tax compliance; (6) WaaS (Wallet-as-a-Service) — embedding wallet functionality into third-party applications. How Developers Use It Developers access the portal at developers.etranzactng.com for documentation and API reference. Authentication is via API key from the developer portal. eTranzact is an enterprise provider — onboarding typically requires a formal integration agreement rather than self-service signup. A sandbox environment is available for testing. Pricing Enterprise pricing only — not publicly listed. eTranzact targets institutional clients with contracts negotiated based on integration type, transaction volume, and product combination. Contact eTranzact for pricing. Compliance eTranzact is CBN-licensed and operates under CBN payment system regulations. As an NSE-listed company, it is subject to SEC regulations and public reporting requirements — providing institutional clients with a high level of corporate accountability and transparency. Challenges and Gotchas (1) Not a self-service platform — enterprise onboarding required. (2) Documentation is less accessible than Paystack or Flutterwave. (3) Primarily institutional focus — not designed for individual developers or small startups. (4) Pricing requires sales engagement. (5) Product suite is broad but each product may require a separate integration agreement. Company Background eTranzact International Plc was incorporated in 2003 and is headquartered in Lagos. It is listed on the Nigerian Stock Exchange and serves over 200+ banks and financial institutions across Nigeria and Africa. The company has expanded into Ghana, Zimbabwe, and other African markets. Its longevity and stock exchange listing make it one of the most trusted institutional payment infrastructure providers in Nigeria. FAQs Q: Is eTranzact publicly listed? A: Yes. eTranzact International Plc is listed on the Nigerian Stock Exchange. Q: Can a startup integrate eTranzact independently? A: eTranzact is primarily enterprise-focused. Small startups should consider Paystack or Flutterwave as more accessible alternatives. Q: Does eTranzact support loan mandate processing? A: Yes. The AntPeer product handles loan mandate setup and automated repayment debit for digital lenders and microfinance banks. Q: What is WaaS? A: Wallet-as-a-Service — an API that lets third-party apps embed NGN wallet functionality without building their own wallet infrastructure. For Nigerian enterprises and large organizations, eTranzact's position as a publicly listed company on the Nigerian Stock Exchange provides a level of transparency and financial accountability that private fintech providers cannot match. Annual financial reports, board governance, and shareholder accountability create institutional confidence for Nigerian banks, government agencies, and large corporations selecting payment infrastructure partners for critical financial operations. NIBSS NIP integration through eTranzact enables real-time instant payment transfers between Nigerian bank accounts, settled within seconds. For enterprises running high-value payment operations — salary disbursements, vendor settlements, inter-company transfers — access to the NIP instant payment rail through eTranzact's regulated infrastructure ensures funds reach recipients immediately rather than in batch settlement windows. eTranzact's long-standing position as a NIBSS-licensed institution provides direct connectivity to Nigeria's core payment clearing infrastructure. The PTSA (Payment Terminal Service Aggregator) license held by eTranzact allows the company to aggregate POS terminal services and provide terminal deployment, management, and transaction routing for merchants. Nigerian businesses deploying POS infrastructure — retail chains, hotels, supermarkets, service businesses — can use eTranzact as their PTSA for terminal provisioning and ongoing support. This physical payment infrastructure layer complements eTranzact's digital API services for businesses managing both in-person and online payment channels.

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CBI Monie

CBI Monie

CBI Monie is a Nigerian payment infrastructure platform operated by CBI Technologies Limited. The company is licensed by the Central Bank of Nigeria (CBN), ISO-certified, NDPR-compliant, and PCI-DSS certified — making it one of the compliance-ready options for Nigerian businesses and fintechs needing embedded payment capabilities. CBI Monie offers multi-channel payment acceptance including POS terminals, dynamic QR codes, virtual account numbers, payment links, and a developer API for programmatic integration. What the API Does The CBI Monie API provides RESTful endpoints for: wallet balance and transaction management; QR code and virtual account generation; merchant onboarding for agent networks; payment links and checkout sessions; and real-time webhook events for automated workflows. The API is designed for fintechs, ERP systems, government platforms, and agent network operators that need to embed payment infrastructure into their products. How Developers Use It API access is by request — developers contact support@cbitechnologiesltd.com to initiate onboarding. Once approved, API credentials are issued. The platform provides SDKs and webhook integration modules. A sandbox environment is available for safe testing of transactions and webhook events before going live. The API follows RESTful conventions. Pricing Not publicly listed. CBI Monie pricing is available upon request through their sales and support team at support@cbitechnologiesltd.com. There is also a dedicated pricing page at cbimonie.com/pricing for merchant plans. Compliance CBN-licensed, ISO-certified, NDPR-compliant (Nigeria Data Protection Regulation), and PCI-DSS certified. CBI Monie handles cardholder data in compliance with international payment security standards. All merchant and API partner onboarding includes KYC verification. Supported Payment Channels POS terminals (physical card-present), dynamic QR codes, virtual account numbers (NIP transfers), payment links and hosted checkout, and web/mobile integration via API. Challenges and Gotchas (1) API access is not self-serve — requires approval and manual onboarding. (2) No USSD payment support. (3) No crypto or cross-border payment capabilities. (4) Rate limits and detailed technical specs are not publicly documented. (5) Compared to Paystack or Flutterwave, documentation is less comprehensive and publicly accessible. Company Background CBI Monie is a product of CBI Technologies Limited, a Nigerian fintech infrastructure company. The platform targets enterprise and institutional clients including government agencies, large merchants, fintechs building on top of their rails, and agent network operators who need a compliant multi-channel payment stack. FAQs Q: How do I get API access? A: Contact support@cbitechnologiesltd.com to request API access. Access is not self-serve. Q: Is there a sandbox? A: Yes. CBI Monie provides a developer-safe sandbox for testing transactions and webhooks. Q: Is CBI Monie suitable for a consumer app? A: Yes, through the wallet and virtual account APIs. It is also well-suited for B2B and enterprise platforms. Q: Does CBI Monie accept international cards? A: Yes. POS and card acceptance includes Verve, Visa, and Mastercard. Q: Can CBI Monie handle agent network onboarding? A: Yes. The Merchant Onboarding API is specifically designed for programmatically onboarding agents at scale. The PCI DSS certification of CBI Monie ensures that card data processed through the platform meets the Payment Card Industry Data Security Standard requirements for cardholder data protection. For Nigerian fintechs and enterprises concerned about compliance with card scheme requirements, CBI Monie's certified status removes the burden of achieving independent PCI DSS certification for card data handling within the integrating platform's environment. QR code payment functionality in CBI Monie enables merchant-displayed QR codes that customers can scan to initiate payments using their mobile banking apps or fintech wallets. As QR code payment adoption grows in Nigeria — driven by CBN's promotion of cashless payment infrastructure and the expansion of mobile banking usage — merchants integrated with CBI Monie can offer this payment channel alongside traditional card and bank transfer methods without additional infrastructure. Merchant onboarding APIs within CBI Monie allow platform operators managing merchant networks to programmatically onboard new merchants, verify their identity and business credentials, and activate payment acceptance — building automated merchant lifecycle management for agent banking platforms, marketplace operators, and payment aggregators managing large merchant portfolios in Nigeria.

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Monnify

Monnify

Monnify is a Nigerian payment gateway and payment infrastructure provider operated by Moniepoint Inc, a CBN-licensed payment solutions company and one of Nigeria's largest agent banking networks. Originally launched as a standalone product by TeamApt, Monnify was rebranded under the Moniepoint brand as the company expanded. Monnify provides Nigerian businesses with APIs for accepting payments via local debit cards, bank transfers, USSD, and direct debit, as well as disbursing funds to bank accounts across all Nigerian banks. The Monnify API is RESTful and uses JSON for all request and response payloads. Developers can authenticate using Basic Auth — by encoding the API key and secret key as a base64 string — or by exchanging credentials for an OAuth Bearer Token via the /auth/login endpoint. Most implementations prefer Bearer Token authentication for production use, obtaining a token at server startup and refreshing as needed. The Monnify dashboard is available at app.monnify.com and provides API credentials, transaction history, settlement reports, and webhook configuration. Payment collection works by initializing a transaction with a unique reference and an amount, then displaying the payment modal to the customer. The Monnify SDK handles the checkout experience, allowing customers to choose between card, bank transfer, USSD, or direct debit. For bank transfers, Monnify generates a reserved virtual account number for the customer — they transfer any amount to that account and the payment is automatically matched and settled to the merchant. This is particularly powerful for recurring or subscription-like payment flows. In terms of pricing, Monnify charges 1.5% per transaction for local card payments, USSD payments, and bank transfers, with a cap of ₦2,000 per transaction. An alternative flat fee of ₦500 may apply for certain bank transfer transactions. International card payments attract a 4% fee. Cash collection is also charged at 4%. There are no setup fees and no monthly platform fees. Payouts (disbursements to Nigerian bank accounts) are charged at flat rates: ₦10 for transfers below ₦10,000, ₦20 for transfers between ₦10,000 and ₦49,999, and ₦40 for transfers of ₦50,000 and above. All fees are exclusive of VAT. A key differentiator for Monnify is its settlement speed. Transactions are settled to merchants same-day by 10pm, and businesses can trigger up to 3 on-demand express settlements per day outside the standard settlement window. This is important for Nigerian e-commerce and service businesses that need immediate access to collected revenue. The Monnify sandbox environment is a full replica of the production environment. Developers can create a free sandbox account at developers.monnify.com without any business registration documents. The sandbox provides test card numbers, simulated bank transfer flows, and test USSD responses. Moving from sandbox to live requires completing the standard CBN KYC process, including submitting CAC documents, director BVN, and business bank account details. Rate limits for the Monnify API are not publicly published. However, for high-volume integration partners, Monnify support can provide guidance on expected throughput limits. The Webhook system sends real-time notifications for transaction completion, refunds, and disbursements — developers must validate the webhook hash to confirm the event originated from Monnify, and must respond with HTTP 200 within a defined timeout. From a compliance standpoint, Monnify is CBN-licensed and operates under the same regulatory framework as all Nigerian payment service providers. Moniepoint Inc holds a Payment Service Bank license and a Switching and Processing license from the CBN. Monnify is also PCI-DSS certified, which is required for handling card payment data in Nigeria. Merchants are not required to be PCI-DSS certified themselves, as card data is processed on Monnify servers rather than the merchant's infrastructure. The BVN verification endpoint available through Monnify allows developers to verify a customer's Bank Verification Number — returned with name, date of birth, and phone number — which is a CBN requirement for KYC compliance in lending and financial services. Common challenges Nigerian developers face with Monnify include webhook delivery delays during peak traffic (Black Friday, end-of-month), and the need to handle cases where bank transfer payments arrive outside the transaction expiry window. Developers should set generous expiry windows for bank transfer transactions, and use the transaction status query endpoint to confirm payment before fulfilling orders, rather than relying solely on webhook delivery. Moniepoint Inc, the parent company, is headquartered in Lagos, Nigeria and has expanded operations across several African markets. It was voted the fastest-growing company in Africa by the Financial Times in 2023 and has raised over $100 million in funding. Notable investors include QED Investors, Lightrock, and Google. The Monnify gateway is used by thousands of Nigerian businesses including e-commerce platforms, SaaS companies, and lending products. Frequently Asked Questions: Can I use Monnify without CAC registration? You can test the API freely on the sandbox with just an email. However, to go live and receive real settlements, full CBN KYC including CAC registration is required. Does Monnify support NGN only? Yes, Monnify primarily settles in Nigerian Naira (NGN). International card transactions are charged at 4% but are settled in NGN after currency conversion. Does Monnify have a no-code payment link? Yes, Monnify supports payment links and invoice generation from the dashboard — no coding required. What happens if my webhook fails? Monnify retries failed webhook deliveries. However, developers should use the transaction status API (/api/v1/merchant/transactions/query) as a fallback to confirm payment independently.

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Squad

Squad

Squad is a Nigerian payment gateway and developer-first payment infrastructure platform operated by HabariPay Limited, the fintech subsidiary of Guaranty Trust Holding Company (GTCO) — the parent company of Guaranty Trust Bank, one of Nigeria's Tier 1 commercial banks. This institutional backing gives Squad a unique position in the Nigerian fintech ecosystem: it combines the regulatory standing of a CBN-licensed commercial bank group with a modern API-first developer experience. Squad is available at squadco.com and provides documentation at docs.squadco.com. The Squad API is RESTful with JSON payloads. Authentication is via Bearer Token — developers obtain a secret key from the Squad dashboard and pass it in every request as Authorization: Bearer sk_test_xxxx (sandbox) or Authorization: Bearer sk_live_xxxx (production). All amounts are passed in Naira (NGN), unlike some Nigerian gateways that require amounts in Kobo. Squad's payment gateway supports card payments (Verve, Visa, Mastercard), bank transfers, and USSD — the three primary payment channels used by Nigerian consumers. The standard integration follows a three-step flow: initialize a transaction by posting to the Squad initiate endpoint with amount, email, and a unique transaction reference; display the Squad checkout widget to the customer; and verify the transaction on your server after the customer completes payment. Squad provides both a hosted checkout page and an embeddable inline SDK for seamless checkout experiences. One of Squad's most notable differentiators is its fee structure. The payment gateway charges a percentage fee capped at ₦1,500 per transaction — lower than Paystack (₦2,000 cap) and Monnify (₦2,000 cap). For virtual account collections, Squad charges a percentage capped at ₦1,000, which is again among the lowest caps in the Nigerian market for bank transfer collections. Payment links (used for social commerce and invoicing) are charged at 1% for local transactions and 3.5% for international transactions. This pricing advantage makes Squad particularly attractive for businesses processing high-value transactions, where the cap limits the absolute cost per transaction regardless of size. Squad's Virtual Accounts feature assigns a dedicated bank account number to each customer for use in collections. Businesses can create virtual accounts for individual customers — when a customer transfers any amount to their dedicated account, the Squad webhook fires and the balance is credited in real time. This is widely used by Nigerian savings apps, investment platforms, and bill payment services where customers top up wallets via bank transfer. The Subscription API allows platforms to create recurring billing products. When a customer first pays via Squad, the platform receives a unique charge token tied to that customer's card. Future charges can be triggered by passing this token without requiring the customer to re-enter card details — enabling automatic monthly subscriptions, usage-based billing, and installment plans for Nigerian consumers. Squad also provides a Payouts API for disbursing funds to any Nigerian bank account. Developers submit a destination bank code, account number, and amount, and Squad executes the transfer. Payout pricing is competitive and the API supports both single and bulk transfers. The BVN verification endpoint available through Squad allows platforms to look up a Bank Verification Number and return the associated name and basic identity information. This is commonly used by Nigerian lending products and fintech apps to confirm user identity as part of CBN-required KYC processes. The Squad sandbox environment provides full test mode access. Developers can test all features — gateway payments, virtual accounts, subscriptions, payouts, and BVN verification — using test credentials without processing real transactions. Moving to live requires completing Squad's business onboarding, including submitting CAC registration, director BVN, and a valid business bank account. From a compliance perspective, HabariPay Limited is a CBN-licensed Payment Service Provider operating under the regulatory oversight of the Central Bank of Nigeria. GTCO's banking license adds an additional layer of institutional compliance. Squad is also PCI-DSS certified, ensuring that card payment data is processed and stored to the highest security standards. Squad runs an annual Hackathon for Nigerian students and early-career developers — Squad by GTBank Hackathon — providing cash prizes and API credits to winners. This investment in the developer community has built significant goodwill among Nigeria's emerging developer ecosystem. Known challenges: Squad's documentation, while functional, is less comprehensive than Paystack's. Some advanced integration patterns (split payments, multi-vendor marketplace flows) are not as fully documented. The Squad developer community is smaller than Paystack's, which can make troubleshooting harder for niche use cases. Frequently Asked Questions: Is Squad backed by GTBank? Yes — Squad is operated by HabariPay Limited, which is a subsidiary of Guaranty Trust Holding Company (GTCO), the same holding company that owns GTBank. What is the fee cap advantage? Squad's gateway fee is capped at ₦1,500 versus ₦2,000 for Paystack and Monnify — meaning on large transactions, you save ₦500 per collection. Does Squad support dollar transactions? Squad supports international card payments (Visa/Mastercard). Settlement is in NGN. Can I test Squad without registering a business? Yes — create a free developer account and use the sandbox with test credentials before submitting any business documents.

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Smile Identity

Smile Identity

Smile Identity (also known as SmileID) is Africa's leading identity verification company, providing KYC, biometric authentication, document verification, and AML compliance infrastructure to businesses across 52 African countries. Founded with a specific focus on the African market, Smile Identity has built its technology to address a challenge that global identity verification providers consistently fail at: accurately verifying African identities using AI and biometrics trained on African faces. The company holds ISO 27001 (information security), SOC 2 Type 2 (security and availability), and ISO/IEC 30107-3:2023 Level 2 (biometric presentation attack detection) certifications — achieving a 0% biometric facial attack penetration rating, the highest level of liveness detection certification achievable. **Nigeria Coverage — 9 Government Databases, 132M+ Records** In Nigeria, Smile Identity verifies against nine government identity databases, providing the widest official data coverage of any single KYC provider in the market: 1. NIN (National Identification Number) — NIMC database 2. NIN V2 (enhanced NIN with additional fields) 3. V_NIN (Virtual NIN — tokenized format per NIMC policy) 4. BVN (Bank Verification Number) — NIBSS database 5. Bank Account verification 6. Phone Number verification 7. Voter ID (INEC — Independent National Electoral Commission) 8. FRSC Driver's License 9. International Passport This 9-database coverage gives Nigerian businesses access to 132 million+ identity records, ensuring that virtually any Nigerian customer with any government-issued ID can be verified through a single Smile Identity integration. **SmartSelfie — African-Face-Optimized Biometric Authentication** SmartSelfie is Smile Identity's proprietary biometric authentication system, built with six AI anti-spoof models specifically trained on African facial features. This is a critical differentiator: most global facial recognition systems are trained on predominantly Western facial data, resulting in significantly higher error rates (false rejections and false acceptances) for African users. SmartSelfie achieves 99.8% accuracy on African faces, making it the most reliable biometric tool for Nigerian and broader African customer onboarding. The system detects presentation attacks (photographs, videos, masks, deepfakes) at ISO/IEC 30107-3:2023 Level 2 — the highest certification level — with a documented 0% penetration rate in testing. **Document Verification & OCR** Smile Identity's document verification module uses OCR to extract data from physical and digital identity documents — passports, national IDs, driver's licenses — and cross-references the extracted data against government databases to confirm authenticity. This catches tampered, expired, or fabricated documents that database-only lookups would miss. **Business Verification (KYB)** For Know Your Business (KYB) compliance, Smile Identity verifies company registration details, directors, and ultimate beneficial ownership against business registry databases. This is used by B2B lenders, payment platforms, and corporate banking services. **AML Compliance** Smile Identity includes AML (Anti-Money Laundering) screening capabilities — checking customer identities against global sanctions lists, PEP databases, and adverse media — as part of the integrated compliance workflow. **52-Country African Coverage** Smile Identity supports identity verification across 52 African countries using country-specific national ID documents and government databases. This makes it the most geographically comprehensive African KYC provider, particularly valuable for platforms with pan-African ambitions. **Authentication & Integration** API access requires both an API Key and a Partner ID, issued after account registration at portal.usesmileid.com. Both credentials must be present in all API requests. SDKs are available for web, iOS, and Android — enabling both server-to-server integrations and embedded mobile verification flows. A free sandbox environment is available immediately upon registration. **Pricing** Per-verification pricing, tiered by volume. Specific rates vary by ID type and country. Enterprise volume pricing is available. Contact Smile Identity for current pricing schedules. **Why Choose Smile Identity Over Other Providers** The unique combination of 52-country African coverage, African-face-trained biometrics at ISO Level 2 certification, and 9 Nigerian government database access makes Smile Identity the strongest choice for African-market-focused KYC. Global providers like Jumio or Onfido offer broader international coverage but have weaker African-face accuracy and fewer Africa-specific database integrations. **Frequently Asked Questions** Q: What makes SmartSelfie different from standard facial recognition? A: SmartSelfie uses 6 AI models trained specifically on African faces, achieving 99.8% accuracy — far higher than Western-trained models. Q: How many Nigerian ID types can Smile Identity verify? A: Nine — NIN, NIN V2, vNIN, BVN, bank account, phone, Voter ID, FRSC Driver's License, and International Passport. Q: What certifications does Smile Identity hold? A: ISO 27001, SOC 2 Type 2, and ISO/IEC 30107-3:2023 Level 2 (0% biometric attack penetration). Q: Is there a sandbox for testing? A: Yes — register at portal.usesmileid.com to access sandbox credentials immediately. Q: Does Smile Identity cover countries outside Africa? A: Smile Identity is Africa-focused (52 countries). For non-African markets, use a global provider.

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Quidax

Quidax

Quidax is Nigeria's first Securities and Exchange Commission (SEC)-licensed cryptocurrency exchange, founded in 2018 by Buchi Okoro. The SEC provisional license, obtained in 2024, authorizes Quidax to operate as a Digital Assets Exchange — allowing it to collaborate with Nigerian banks and financial institutions, and offer institutional-grade API access to businesses building crypto-enabled products. Quidax has further deepened its infrastructure play by partnering with Lisk, an Ethereum Layer-2 blockchain optimized for Africa, to build DeFi rails connecting Quidax's NGN liquidity with on-chain applications. The Quidax Developer API (developer.quidax.com) is designed for businesses — not just retail traders — who want to embed cryptocurrency services into their products. The API enables fintechs, e-commerce platforms, and financial applications to integrate crypto buying, selling, holding, and payment acceptance without building exchange infrastructure from scratch. Quidax boasts a 99.8% uptime SLA backed by multi-region infrastructure, making it suitable for production-grade business integrations. Authentication is via Bearer Token (API Key) obtained from the Quidax account dashboard. Requests are made over HTTPS with JSON payloads. Quidax provides webhook notifications for transaction events including order fills, deposits, and withdrawals. One of the most commercially interesting features for Nigerian developers is stablecoin payment acceptance. Businesses can configure Quidax to accept USDT (Tether) or USDC (USD Coin) from customers and automatically receive NGN settlement in their business account. This eliminates the need for merchants to manage cryptocurrency volatility while offering customers the option to pay with stablecoins — a payment rail popular with Nigerian diaspora and crypto-native consumers. Quidax supports multiple digital assets including Bitcoin (BTC), Ethereum (ETH), USDT, USDC, and other tokens listed on the exchange. The crypto trading API allows platforms to execute market and limit orders, query order books, access price feeds, manage wallets, and retrieve transaction history programmatically. The Lisk partnership announced in 2026 opens Quidax's liquidity to DeFi protocols on the Lisk network. Developers building DeFi applications on Lisk can access Quidax's Nigerian NGN/crypto liquidity pools — creating Africa's first DeFi infrastructure with Nigerian naira integration. This positions Quidax at the intersection of centralized exchange liquidity and DeFi composability. From a regulatory standpoint, Quidax's SEC Digital Assets Exchange license is the most comprehensive crypto regulatory approval in Nigeria. The SEC license permits institutional partnerships with banks, which is not available to unlicensed crypto platforms. This creates significant competitive advantages for developers building crypto products that require banking integration or institutional KYC. All users and businesses accessing the Quidax API must complete KYC verification as required by the Nigerian SEC and SCUML (Special Control Unit Against Money Laundering). For businesses embedding Quidax APIs, compliance documentation for the business entity is required during onboarding. Known challenges: The Quidax API is more focused on exchange functionality than payment gateway use cases. For pure payment acceptance without crypto trading, developers may find the API overhead higher than using stablecoin-native payment APIs. Additionally, the regulatory landscape for crypto in Nigeria continues to evolve, which may affect permitted use cases. Frequently Asked Questions: Is Quidax the only SEC-licensed crypto exchange in Nigeria? Quidax was the first to receive the provisional SEC Digital Assets Exchange license in Nigeria (2024). Other exchanges are applying for licenses under the same framework. Can I use Quidax to accept Bitcoin payments on my website? Yes — but Quidax also provides stablecoin (USDT/USDC) payment acceptance which protects merchants from Bitcoin price volatility while still accepting crypto. Does Quidax support NGN withdrawal to bank accounts? Yes — businesses receive NGN settlement to their Nigerian bank accounts for accepted crypto payments.

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Fincra

Fincra

Fincra is a CBN PSSP-licensed payment gateway and fintech infrastructure company enabling African businesses to collect payments locally and cross-border across 50+ currencies in 40+ countries — with a single API covering 150+ countries globally. Fincra processes millions of API requests monthly and provides checkout, virtual accounts, direct debit, and cross-border payment products to businesses ranging from startups to enterprise clients. The company maintains a dedicated developer hub at FincraHub for the Nigerian and African developer community. What the API Does The Fincra API enables developers to: process card payments (Verve, Visa, Mastercard), bank transfers, M-Pesa, mobile money, and PayAttitude; issue multi-currency virtual accounts (NGN, USD, GBP, EUR) for collections from anywhere in the world; set up direct debit mandates for recurring collections from Nigerian bank accounts; initiate cross-border payouts in 50+ currencies; and receive real-time webhook notifications for all transaction events. The platform is designed as a single integration point for both local Nigerian payments and pan-African/international payment needs. How Developers Use It Developers access documentation at docs.fincra.com. Account creation is at fincra.com. Authentication uses API keys obtained from the Fincra Dashboard under Settings > API keys and webhook configuration tab. Sandbox and live environments are fully isolated — separate business IDs, API keys, and identifiers for each. Never use live credentials in the sandbox environment. The sandbox is available for full integration testing with simulated data. Pricing Custom pricing based on product type, transaction volume, markets, and risk profile. No public fee schedule. Contact Fincra sales to design a custom package. The pricing page at fincra.com/product-pricing offers a starting point for conversations. Rate Limits 50 API calls per second. HTTP 429 error returned for requests exceeding this limit. Authentication API keys from the Fincra Dashboard, separated by environment (sandbox vs. live). Keys are configured in the Profile > Settings > API keys section. Compliance CBN PSSP-licensed in Nigeria. Fincra is also incorporated in the US (Fincra Inc.) and holds appropriate licences for cross-border operations. Handles M-Pesa and mobile money under applicable East African regulations. Challenges and Gotchas (1) Pricing requires a sales conversation — no instant self-serve pricing. (2) Sandbox and live environments are fully isolated — you cannot transfer test accounts to live. (3) Rate limit of 50 req/sec may constrain high-frequency use cases — design API calls with batching in mind. (4) No USSD support. (5) Cross-border payouts pricing may vary significantly by corridor. Company Background Fincra Inc. is incorporated in the US and operates its Africa business from Lagos, Nigeria. The company is focused on solving Africa's payment fragmentation problem — where businesses traditionally needed separate integrations for each country. Fincra's FincraHub developer community is active in the Nigerian tech ecosystem. FAQs Q: What is Fincra's rate limit? A: 50 API calls per second. Exceeding this returns HTTP 429. Q: Does Fincra support M-Pesa? A: Yes. M-Pesa is supported as a payment method for East African collections. Q: Are sandbox and live environments the same? A: No. They are fully isolated with separate business IDs, API keys, and identifiers. You cannot transfer test data to live. Q: Does Fincra support direct debit for subscriptions? A: Yes. The Direct Debit API enables recurring collections from Nigerian bank accounts on a schedule.

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GT Pay (GTPay)

GT Pay (GTPay)

GTPay is the online payment gateway from Guaranty Trust Bank (now Guaranty Trust Holding Company — GTCo), one of Nigeria's largest and most recognized tier-1 banks. GTPay enables Nigerian merchants to accept card payments online from customers using Interswitch (Verve), Visa, and Mastercard — both locally issued and international cards. The gateway is backed by GTBank's banking infrastructure and has been serving Nigerian e-commerce merchants since the early days of online payments in Nigeria. What GTPay Does GTPay processes card-present-not-required (CNP) transactions for online merchants, collecting payment from customers and settling into the merchant's GTBank business account. The gateway supports NGN (currency code 566) and USD (currency code 840) transactions, making it usable for both local NGN e-commerce and international USD billing. How Developers Use It Developers obtain a Merchant ID and Hash Key by physically visiting any GTBank branch nationwide and registering as a GTPay merchant. After registration, integration is done using the technical parameters documented at ibank.gtbank.com/gtpay/IntegrationAPI/mman-tech.html. Key parameters include: gtpay_mert_id (merchant identifier), gtpay_tranx_id (unique transaction ID from merchant), gtpay_tranx_amt (amount in kobo or cents), and gtpay_tranx_curr (ISO currency code — 566 for NGN, 840 for USD). The Hash Key is used to generate a transaction hash for request signing. Pricing Local card transactions: 1.5% fee capped at ₦2,000. Contact GTBank for the full fee schedule including international card rates. Authentication Merchant ID and Hash Key pair obtained from GTBank branch. Transactions are signed using the Hash Key to generate a security hash that GTBank validates before processing. Compliance GTPay is operated by Guaranty Trust Bank (CBN-licensed), ensuring full CBN compliance for all payment processing. PCI DSS compliant for card data handling. Important Note on Legacy Status GTCo (formerly GTBank) has since launched Squad (squadco.com) as their modern, developer-first payment platform under HabariPay Limited. Squad offers a comprehensive REST API with sandbox, webhooks, virtual accounts, and full documentation. For new integrations, Squad is the recommended modern alternative to GTPay. GTPay remains operational for existing merchants. Challenges and Gotchas (1) Merchant registration requires a physical GTBank branch visit — not self-serve online. (2) GTPay is a legacy product — documentation is older and less comprehensive than modern gateways. (3) No bank transfer, USSD, or recurring billing support. (4) Integration is form-post based rather than modern REST JSON API. (5) New projects should seriously consider Squad (HabariPay) instead. FAQs Q: How do I get a GTPay Merchant ID? A: Visit any GTBank branch nationwide with your business documents to register as a GTPay merchant. Q: Is GTPay still active? A: Yes, GTPay remains operational for existing merchants but GTCo's newer platform Squad is the recommended modern alternative. Q: Does GTPay support USSD or bank transfer? A: No. GTPay only supports card payments (Interswitch/Verve, Visa, Mastercard). Q: What currencies does GTPay support? A: NGN (566) and USD (840). GTPay's backing by Guaranty Trust Bank (GTBank) — consistently ranked among Nigeria's top tier-1 banks — provides GTPay merchants with the financial security and institutional credibility that bank-affiliated payment infrastructure carries. For Nigerian businesses where their payment gateway provider's financial stability is a selection criterion — particularly for merchants holding float or awaiting settlement — a bank-affiliated gateway provides assurance that is difficult for independent fintech providers to match. The settlement process for GTPay transactions credits merchant accounts within GTBank's settlement cycle, with same-day or next-day settlement available for GTPay merchants who also hold GTBank business accounts. This tight integration between payment gateway and bank account reduces settlement float and simplifies reconciliation for merchants whose primary banking relationship is with GTBank, one of the largest retail and commercial banking relationships in Nigeria.

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Epic Pay

Epic Pay

Epic Pay (Epic Payment Technologies Limited) is a Nigerian PSS-licensed payment gateway offering a full suite of developer APIs through a dedicated developer portal at developer.epicpay.com. The platform is PCI DSS 4.0 certified — one of the most current versions of the payment security standard — and provides Payment, Boarding/Agent, and Reporting APIs alongside SDKs for Java and C#/.NET. Epic Pay is notable for its white-label capabilities and its active developer community, the Epic Pay Developers Circle. What the API Does The Epic Pay API suite covers three main areas: (1) Payment API — initiate one-time and recurring payments, tokenize card payloads, manage customer records, and perform Address Verification Service (AVS) checks. (2) Boarding/Agent API — programmatically onboard merchants and agents onto the Epic Pay gateway, configure their settings, and manage their accounts. (3) Reporting API — retrieve real-time and historical transaction data for reconciliation and financial reporting. How Developers Use It Developers access the portal at developer.epicpay.com, create an account, obtain API keys, and integrate using the provided documentation and SDKs. Java and C#/.NET SDKs are available to simplify integration. The API is REST-based. A Dev Lab environment is available for sandbox testing. AVS codes are returned in real-time within sale and authorize responses. Pricing Not publicly listed. Developers can access the developer portal and Dev Lab for free. Transaction fee structure requires contacting Epic Pay directly. As a PSS-licensed provider, fees are likely in line with CBN-regulated payment industry standards. Authentication API Key from the EpicPay Gateway Developer Portal. Keys are used to authenticate all API requests. Compliance PSS (Payment Service Solution) licensed by the CBN. PCI DSS 4.0 certified — one of the most current PCI versions, demonstrating strong card data security practices. Challenges and Gotchas (1) No USSD or crypto support. (2) Pricing not public — requires direct engagement. (3) Less community presence than Paystack/Flutterwave — documentation depth may be lower. (4) White-label and agent boarding make it more suitable for ISOs and platform builders than simple merchant integrations. Company Background Epic Payment Technologies Limited is a Nigerian payment company focused on providing payment infrastructure for businesses, developers, and agent networks. The Developers Circle community initiative shows active engagement with the Nigerian developer ecosystem. FAQs Q: Does Epic Pay support recurring billing? A: Yes. The Payment API supports recurring payments with tokenized card storage. Q: Is there a sandbox? A: Yes. A Dev Lab environment is available at developer.epicpay.com/Docs/DevLab. Q: What SDKs are available? A: Java and C#/.NET SDKs are available on GitHub under EpicGateway organization. Q: Can I build a white-label payment product with Epic Pay? A: Yes. Epic Pay specifically supports white-label payment platform deployments with the Boarding API for sub-merchant management. PCI DSS 4.0 certification at Epic Pay ensures that the platform meets the most current version of the Payment Card Industry Data Security Standard, providing Nigerian merchants with confidence that card data processed through Epic Pay is handled in compliance with international card scheme security requirements. For Nigerian businesses that accept card payments through Epic Pay's infrastructure, the certification removes independent PCI compliance burden from the merchant's own systems for card data that flows through Epic Pay's hosted solutions. The white-label capability of Epic Pay allows Nigerian fintech companies to deploy a branded payment gateway under their own product identity, using Epic Pay's underlying infrastructure and licensing without exposing the white-label arrangement to end customers. This model benefits Nigerian fintechs that want to offer payment collection as part of a broader product suite — a lending platform offering collection infrastructure to borrowers, an HR platform providing payroll collection tools — under their own brand without building and licensing payment infrastructure independently. Agent boarding through Epic Pay's multi-API developer portal enables platforms managing agent networks to programmatically register agents, configure their access levels, and provision their payment acceptance capabilities. For Nigerian platforms operating agent banking networks, field sales agent networks, or merchant partner programs, automated agent onboarding through an API dramatically reduces the operational cost and time of expanding the agent network compared to manual registration processes.