20 Best APIs for Cross-Border in Nigeria

We've analyzed and compared the top 20 API providers supporting Cross-Border 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 Cross-Border

5 of 20 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
Card Payments (Verve/Visa/Mastercard)
Not available
Bank Transfer Checkout
Not available
Mobile Money (M-Pesa, MTN)
Not available
International Card Payments
Not available
Recurring Billing / Subscriptions
Not available
Split Payments
Not available
Virtual Accounts
Not available
Bulk Transfers
Not available
Payment Links
Not available
Multi-Currency Settlement
Not available
BNPL (Buy Now Pay Later)
Not available
Payouts
Not available
Collections
Not available
Payment links
Not available
Multi-corridor coverage
Not available
Card Payments
Not available
Mobile Money Payments
Not available
Payouts / Transfers
Not available
BVN Verification
Not available
NIN Verification
Not available
CAC Business Verification
Not available
Exchange Rate API
Not available
Sandbox with Test Cards
Not available
Recurring Billing
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
Card Payment Acceptance (1,000+ methods)
Not available
Multi-currency Processing (150+ currencies)
Not available
Nigeria Local Payment Methods
Not available
Recurring / Subscription Billing
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
Webhook Notifications
Not available
Self-serve Merchant Onboarding
Not available
Published Flat-rate Pricing
Not available
Mass Payouts (200+ countries)
Not available
White-Label Payee Registration
Not available
Multi-Currency Support
Not available
NGN Bank Withdrawal (Nigeria)
Not available
OAuth 2.0 Authentication
Not available
Marketplace Payment Integration
Not available
Direct Nigerian Payment Collection
Not available
NGN Local Checkout
Not available
Bank Account Payouts (140 countries)
Not available
Mobile Wallet Payouts
Not available
Stablecoin (USDT) Payouts
Not available
Nigeria Bank Payout
Not available
Real-Time 24/7 Processing
Not available
Transparent FX Pricing
Not available
Gig Worker Instant Payout
Not available
Collection / Pay-In
Not available
Nigerian NGN Collection
Not available
Local Payment Method Collections
Not available
Global Payouts
Not available
Multi-Currency Wallets
Not available
FX Conversion
Not available
Card Issuing
Not available
Sandbox
Not available
NGN Direct Local Checkout
Not available
Shipment booking
Not available
Parcel tracking
Not available
Import/export freight
Not available
Multi-carrier integration
Not available
Multi-carrier rate shopping
Not available
Landed cost calculator
Not available
Customs documentation automation
Not available
Label generation
Not available
Unified tracking
Not available
Cross-Border Payouts (190+ countries)
Not available
Multi-Currency Collections (35+ markets)
Not available
Virtual Card Issuance (30+ countries)
Not available
Real-Time FX Rates
Not available
Sandbox Testing
Not available
Mass/Bulk Payout
Not available
NGN Direct Collection
Not available
Consumer-Facing Checkout
Not available
Payment Processing
Not available
Bank Transfer
Not available
Mobile Money
Not available
Cross-border Transfers
Not available
Multi-currency
Not available
Virtual Cards
Not available
Wallet Services
Not available
Instant Settlement
Not available
Sandbox Environment
Not available
SDK Support
Not available
Transaction History
Not available
Real-time Reporting
Not available
Fraud Detection
Not available
KYC Integration
Not available
Bulk Processing
Not available
API Documentation
Not available
Crypto-to-NGN Auto Settlement
Not available
Stablecoin Acceptance (USDT/USDC)
Not available
Bitcoin & Ethereum Acceptance
Not available
Unique Deposit Address Per Customer
Not available
Wallet Balance Management
Not available
Ghana (GHS) Settlement
Not available
Developer Markup (Revenue Share)
Not available
NGN On-Ramp (Buy Crypto)
Not available
International Bank Wire
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
NGN Collection (Virtual Account)
Not available
Stablecoin Collection (USDT/USDC)
Not available
UK Faster Payments Disbursement
Not available
EU SEPA Disbursement
Not available
Canada Interac Disbursement
Not available
DRC Mobile Money Disbursement
Not available
FX Rate Locking Before Transfer
Not available
Webhooks / Transaction Status
Not available
USA Disbursement
Not available
Ghana/Kenya/South Africa Corridors
Not available
Bank Account Payouts
Not available
Mobile Wallet Transfers
Not available
Cash Pickup Payouts
Not available
Multi-Currency FX
Not available
NGN Currency Support
Not available
Bulk Payment Processing
Not available
Account Validation
Not available
Business KYC Onboarding
Not available
Multi-currency Account (USD, GBP, EUR, 20+)
Not available
International Bank Transfers
Not available
NGN Payout to Nigerian Banks
Not available
FX Conversion API
Not available
Card Payment Collection
Not available
Bank Transfer Collection
Not available
Webhook Events
Not available
Bulk Payouts
Not available
NGN Local Collection (Accept NGN from Nigerian customers)
Not available
Individual/Freelancer Accounts (no CAC)
Not available
Multi-Currency Collections
Not available
International Payouts
Not available
Local Nigerian Payouts
Not available
Currency exchange
Not available
Money transfers
Not available
Cross-border payments
Not available
View Details

Flutterwave API

Pricing
Local (cards, transfer, USSD, POS, QR): 2% per transaction (1.4% txn fee + 0.6% platform fee). International cards (Visa/MC/AMEX/Discover): 4.8%. Transfers: ₦10 (≤₦5K), ₦25 (₦5K–₦50K), ₦50 (>₦50K). All fees subject to 7.5% VAT. No monthly fee.
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
Card Payments (Verve/Visa/Mastercard)
Available
Bank Transfer Checkout
Available
Mobile Money (M-Pesa, MTN)
Available
International Card Payments
Available
Recurring Billing / Subscriptions
Available
Split Payments
Available
Virtual Accounts
Available
Bulk Transfers
Available
Payment Links
Available
Multi-Currency Settlement
Available
BNPL (Buy Now Pay Later)
Not available
Payouts
Not available
Collections
Not available
Payment links
Not available
Multi-corridor coverage
Not available
Card Payments
Not available
Mobile Money Payments
Not available
Payouts / Transfers
Not available
BVN Verification
Not available
NIN Verification
Not available
CAC Business Verification
Not available
Exchange Rate API
Not available
Sandbox with Test Cards
Not available
Recurring Billing
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
Card Payment Acceptance (1,000+ methods)
Not available
Multi-currency Processing (150+ currencies)
Not available
Nigeria Local Payment Methods
Not available
Recurring / Subscription Billing
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
Webhook Notifications
Not available
Self-serve Merchant Onboarding
Not available
Published Flat-rate Pricing
Not available
Mass Payouts (200+ countries)
Not available
White-Label Payee Registration
Not available
Multi-Currency Support
Not available
NGN Bank Withdrawal (Nigeria)
Not available
OAuth 2.0 Authentication
Not available
Marketplace Payment Integration
Not available
Direct Nigerian Payment Collection
Not available
NGN Local Checkout
Not available
Bank Account Payouts (140 countries)
Not available
Mobile Wallet Payouts
Not available
Stablecoin (USDT) Payouts
Not available
Nigeria Bank Payout
Not available
Real-Time 24/7 Processing
Not available
Transparent FX Pricing
Not available
Gig Worker Instant Payout
Not available
Collection / Pay-In
Not available
Nigerian NGN Collection
Not available
Local Payment Method Collections
Not available
Global Payouts
Not available
Multi-Currency Wallets
Not available
FX Conversion
Not available
Card Issuing
Not available
Sandbox
Not available
NGN Direct Local Checkout
Not available
Shipment booking
Not available
Parcel tracking
Not available
Import/export freight
Not available
Multi-carrier integration
Not available
Multi-carrier rate shopping
Not available
Landed cost calculator
Not available
Customs documentation automation
Not available
Label generation
Not available
Unified tracking
Not available
Cross-Border Payouts (190+ countries)
Not available
Multi-Currency Collections (35+ markets)
Not available
Virtual Card Issuance (30+ countries)
Not available
Real-Time FX Rates
Not available
Sandbox Testing
Not available
Mass/Bulk Payout
Not available
NGN Direct Collection
Not available
Consumer-Facing Checkout
Not available
Payment Processing
Not available
Bank Transfer
Not available
Mobile Money
Not available
Cross-border Transfers
Not available
Multi-currency
Not available
Virtual Cards
Not available
Wallet Services
Not available
Instant Settlement
Not available
Sandbox Environment
Not available
SDK Support
Not available
Transaction History
Not available
Real-time Reporting
Not available
Fraud Detection
Not available
KYC Integration
Not available
Bulk Processing
Not available
API Documentation
Not available
Crypto-to-NGN Auto Settlement
Not available
Stablecoin Acceptance (USDT/USDC)
Not available
Bitcoin & Ethereum Acceptance
Not available
Unique Deposit Address Per Customer
Not available
Wallet Balance Management
Not available
Ghana (GHS) Settlement
Not available
Developer Markup (Revenue Share)
Not available
NGN On-Ramp (Buy Crypto)
Not available
International Bank Wire
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
NGN Collection (Virtual Account)
Not available
Stablecoin Collection (USDT/USDC)
Not available
UK Faster Payments Disbursement
Not available
EU SEPA Disbursement
Not available
Canada Interac Disbursement
Not available
DRC Mobile Money Disbursement
Not available
FX Rate Locking Before Transfer
Not available
Webhooks / Transaction Status
Not available
USA Disbursement
Not available
Ghana/Kenya/South Africa Corridors
Not available
Bank Account Payouts
Not available
Mobile Wallet Transfers
Not available
Cash Pickup Payouts
Not available
Multi-Currency FX
Not available
NGN Currency Support
Not available
Bulk Payment Processing
Not available
Account Validation
Not available
Business KYC Onboarding
Not available
Multi-currency Account (USD, GBP, EUR, 20+)
Not available
International Bank Transfers
Not available
NGN Payout to Nigerian Banks
Not available
FX Conversion API
Not available
Card Payment Collection
Not available
Bank Transfer Collection
Not available
Webhook Events
Not available
Bulk Payouts
Not available
NGN Local Collection (Accept NGN from Nigerian customers)
Not available
Individual/Freelancer Accounts (no CAC)
Not available
Multi-Currency Collections
Not available
International Payouts
Not available
Local Nigerian Payouts
Not available
Currency exchange
Not available
Money transfers
Not available
Cross-border payments
Not available
View Details

Afriex API

Pricing
Commission-based; transaction fees vary by corridor and method
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
Card Payments (Verve/Visa/Mastercard)
Not available
Bank Transfer Checkout
Not available
Mobile Money (M-Pesa, MTN)
Not available
International Card Payments
Not available
Recurring Billing / Subscriptions
Not available
Split Payments
Not available
Virtual Accounts
Not available
Bulk Transfers
Not available
Payment Links
Not available
Multi-Currency Settlement
Not available
BNPL (Buy Now Pay Later)
Not available
Payouts
Available
Collections
Available
Payment links
Available
Multi-corridor coverage
Available
Card Payments
Not available
Mobile Money Payments
Not available
Payouts / Transfers
Not available
BVN Verification
Not available
NIN Verification
Not available
CAC Business Verification
Not available
Exchange Rate API
Not available
Sandbox with Test Cards
Not available
Recurring Billing
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
Card Payment Acceptance (1,000+ methods)
Not available
Multi-currency Processing (150+ currencies)
Not available
Nigeria Local Payment Methods
Not available
Recurring / Subscription Billing
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
Webhook Notifications
Not available
Self-serve Merchant Onboarding
Not available
Published Flat-rate Pricing
Not available
Mass Payouts (200+ countries)
Not available
White-Label Payee Registration
Not available
Multi-Currency Support
Not available
NGN Bank Withdrawal (Nigeria)
Not available
OAuth 2.0 Authentication
Not available
Marketplace Payment Integration
Not available
Direct Nigerian Payment Collection
Not available
NGN Local Checkout
Not available
Bank Account Payouts (140 countries)
Not available
Mobile Wallet Payouts
Not available
Stablecoin (USDT) Payouts
Not available
Nigeria Bank Payout
Not available
Real-Time 24/7 Processing
Not available
Transparent FX Pricing
Not available
Gig Worker Instant Payout
Not available
Collection / Pay-In
Not available
Nigerian NGN Collection
Not available
Local Payment Method Collections
Not available
Global Payouts
Not available
Multi-Currency Wallets
Not available
FX Conversion
Not available
Card Issuing
Not available
Sandbox
Not available
NGN Direct Local Checkout
Not available
Shipment booking
Not available
Parcel tracking
Not available
Import/export freight
Not available
Multi-carrier integration
Not available
Multi-carrier rate shopping
Not available
Landed cost calculator
Not available
Customs documentation automation
Not available
Label generation
Not available
Unified tracking
Not available
Cross-Border Payouts (190+ countries)
Not available
Multi-Currency Collections (35+ markets)
Not available
Virtual Card Issuance (30+ countries)
Not available
Real-Time FX Rates
Not available
Sandbox Testing
Not available
Mass/Bulk Payout
Not available
NGN Direct Collection
Not available
Consumer-Facing Checkout
Not available
Payment Processing
Not available
Bank Transfer
Not available
Mobile Money
Not available
Cross-border Transfers
Not available
Multi-currency
Not available
Virtual Cards
Not available
Wallet Services
Not available
Instant Settlement
Not available
Sandbox Environment
Not available
SDK Support
Not available
Transaction History
Not available
Real-time Reporting
Not available
Fraud Detection
Not available
KYC Integration
Not available
Bulk Processing
Not available
API Documentation
Not available
Crypto-to-NGN Auto Settlement
Not available
Stablecoin Acceptance (USDT/USDC)
Not available
Bitcoin & Ethereum Acceptance
Not available
Unique Deposit Address Per Customer
Not available
Wallet Balance Management
Not available
Ghana (GHS) Settlement
Not available
Developer Markup (Revenue Share)
Not available
NGN On-Ramp (Buy Crypto)
Not available
International Bank Wire
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
NGN Collection (Virtual Account)
Not available
Stablecoin Collection (USDT/USDC)
Not available
UK Faster Payments Disbursement
Not available
EU SEPA Disbursement
Not available
Canada Interac Disbursement
Not available
DRC Mobile Money Disbursement
Not available
FX Rate Locking Before Transfer
Not available
Webhooks / Transaction Status
Not available
USA Disbursement
Not available
Ghana/Kenya/South Africa Corridors
Not available
Bank Account Payouts
Not available
Mobile Wallet Transfers
Not available
Cash Pickup Payouts
Not available
Multi-Currency FX
Not available
NGN Currency Support
Not available
Bulk Payment Processing
Not available
Account Validation
Not available
Business KYC Onboarding
Not available
Multi-currency Account (USD, GBP, EUR, 20+)
Not available
International Bank Transfers
Not available
NGN Payout to Nigerian Banks
Not available
FX Conversion API
Not available
Card Payment Collection
Not available
Bank Transfer Collection
Not available
Webhook Events
Not available
Bulk Payouts
Not available
NGN Local Collection (Accept NGN from Nigerian customers)
Not available
Individual/Freelancer Accounts (no CAC)
Not available
Multi-Currency Collections
Not available
International Payouts
Not available
Local Nigerian Payouts
Not available
Currency exchange
Not available
Money transfers
Not available
Cross-border payments
Not available
View Details

Kora Payments API

Pricing
Pricing not publicly listed. Costs per verification deducted from account balance. Contact Kora for payment processing and identity service fees. Sandbox/test mode available for free.
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
Not available
Crypto Payments
Not available
Consumer Checkout Widget
Not available
Free Tier
Not available
Card Payments (Verve/Visa/Mastercard)
Not available
Bank Transfer Checkout
Available
Mobile Money (M-Pesa, MTN)
Not available
International Card Payments
Not available
Recurring Billing / Subscriptions
Not available
Split Payments
Not available
Virtual Accounts
Not available
Bulk Transfers
Not available
Payment Links
Not available
Multi-Currency Settlement
Not available
BNPL (Buy Now Pay Later)
Not available
Payouts
Not available
Collections
Not available
Payment links
Not available
Multi-corridor coverage
Not available
Card Payments
Available
Mobile Money Payments
Available
Payouts / Transfers
Available
BVN Verification
Available
NIN Verification
Available
CAC Business Verification
Available
Exchange Rate API
Available
Sandbox with Test Cards
Available
Recurring Billing
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
Card Payment Acceptance (1,000+ methods)
Not available
Multi-currency Processing (150+ currencies)
Not available
Nigeria Local Payment Methods
Not available
Recurring / Subscription Billing
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
Webhook Notifications
Not available
Self-serve Merchant Onboarding
Not available
Published Flat-rate Pricing
Not available
Mass Payouts (200+ countries)
Not available
White-Label Payee Registration
Not available
Multi-Currency Support
Not available
NGN Bank Withdrawal (Nigeria)
Not available
OAuth 2.0 Authentication
Not available
Marketplace Payment Integration
Not available
Direct Nigerian Payment Collection
Not available
NGN Local Checkout
Not available
Bank Account Payouts (140 countries)
Not available
Mobile Wallet Payouts
Not available
Stablecoin (USDT) Payouts
Not available
Nigeria Bank Payout
Not available
Real-Time 24/7 Processing
Not available
Transparent FX Pricing
Not available
Gig Worker Instant Payout
Not available
Collection / Pay-In
Not available
Nigerian NGN Collection
Not available
Local Payment Method Collections
Not available
Global Payouts
Not available
Multi-Currency Wallets
Not available
FX Conversion
Not available
Card Issuing
Not available
Sandbox
Not available
NGN Direct Local Checkout
Not available
Shipment booking
Not available
Parcel tracking
Not available
Import/export freight
Not available
Multi-carrier integration
Not available
Multi-carrier rate shopping
Not available
Landed cost calculator
Not available
Customs documentation automation
Not available
Label generation
Not available
Unified tracking
Not available
Cross-Border Payouts (190+ countries)
Not available
Multi-Currency Collections (35+ markets)
Not available
Virtual Card Issuance (30+ countries)
Not available
Real-Time FX Rates
Not available
Sandbox Testing
Not available
Mass/Bulk Payout
Not available
NGN Direct Collection
Not available
Consumer-Facing Checkout
Not available
Payment Processing
Not available
Bank Transfer
Not available
Mobile Money
Not available
Cross-border Transfers
Not available
Multi-currency
Not available
Virtual Cards
Not available
Wallet Services
Not available
Instant Settlement
Not available
Sandbox Environment
Not available
SDK Support
Not available
Transaction History
Not available
Real-time Reporting
Not available
Fraud Detection
Not available
KYC Integration
Not available
Bulk Processing
Not available
API Documentation
Not available
Crypto-to-NGN Auto Settlement
Not available
Stablecoin Acceptance (USDT/USDC)
Not available
Bitcoin & Ethereum Acceptance
Not available
Unique Deposit Address Per Customer
Not available
Wallet Balance Management
Not available
Ghana (GHS) Settlement
Not available
Developer Markup (Revenue Share)
Not available
NGN On-Ramp (Buy Crypto)
Not available
International Bank Wire
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
NGN Collection (Virtual Account)
Not available
Stablecoin Collection (USDT/USDC)
Not available
UK Faster Payments Disbursement
Not available
EU SEPA Disbursement
Not available
Canada Interac Disbursement
Not available
DRC Mobile Money Disbursement
Not available
FX Rate Locking Before Transfer
Not available
Webhooks / Transaction Status
Not available
USA Disbursement
Not available
Ghana/Kenya/South Africa Corridors
Not available
Bank Account Payouts
Not available
Mobile Wallet Transfers
Not available
Cash Pickup Payouts
Not available
Multi-Currency FX
Not available
NGN Currency Support
Not available
Bulk Payment Processing
Not available
Account Validation
Not available
Business KYC Onboarding
Not available
Multi-currency Account (USD, GBP, EUR, 20+)
Not available
International Bank Transfers
Not available
NGN Payout to Nigerian Banks
Not available
FX Conversion API
Not available
Card Payment Collection
Not available
Bank Transfer Collection
Not available
Webhook Events
Not available
Bulk Payouts
Not available
NGN Local Collection (Accept NGN from Nigerian customers)
Not available
Individual/Freelancer Accounts (no CAC)
Not available
Multi-Currency Collections
Not available
International Payouts
Not available
Local Nigerian Payouts
Not available
Currency exchange
Not available
Money transfers
Not available
Cross-border payments
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
Card Payments (Verve/Visa/Mastercard)
Not available
Bank Transfer Checkout
Not available
Mobile Money (M-Pesa, MTN)
Not available
International Card Payments
Not available
Recurring Billing / Subscriptions
Not available
Split Payments
Not available
Virtual Accounts
Not available
Bulk Transfers
Not available
Payment Links
Not available
Multi-Currency Settlement
Not available
BNPL (Buy Now Pay Later)
Not available
Payouts
Not available
Collections
Not available
Payment links
Not available
Multi-corridor coverage
Not available
Card Payments
Not available
Mobile Money Payments
Not available
Payouts / Transfers
Not available
BVN Verification
Not available
NIN Verification
Not available
CAC Business Verification
Not available
Exchange Rate API
Not available
Sandbox with Test Cards
Not available
Recurring Billing
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
Card Payment Acceptance (1,000+ methods)
Not available
Multi-currency Processing (150+ currencies)
Not available
Nigeria Local Payment Methods
Not available
Recurring / Subscription Billing
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
Webhook Notifications
Not available
Self-serve Merchant Onboarding
Not available
Published Flat-rate Pricing
Not available
Mass Payouts (200+ countries)
Not available
White-Label Payee Registration
Not available
Multi-Currency Support
Not available
NGN Bank Withdrawal (Nigeria)
Not available
OAuth 2.0 Authentication
Not available
Marketplace Payment Integration
Not available
Direct Nigerian Payment Collection
Not available
NGN Local Checkout
Not available
Bank Account Payouts (140 countries)
Not available
Mobile Wallet Payouts
Not available
Stablecoin (USDT) Payouts
Not available
Nigeria Bank Payout
Not available
Real-Time 24/7 Processing
Not available
Transparent FX Pricing
Not available
Gig Worker Instant Payout
Not available
Collection / Pay-In
Not available
Nigerian NGN Collection
Not available
Local Payment Method Collections
Not available
Global Payouts
Not available
Multi-Currency Wallets
Not available
FX Conversion
Not available
Card Issuing
Not available
Sandbox
Not available
NGN Direct Local Checkout
Not available
Shipment booking
Not available
Parcel tracking
Not available
Import/export freight
Not available
Multi-carrier integration
Not available
Multi-carrier rate shopping
Not available
Landed cost calculator
Not available
Customs documentation automation
Not available
Label generation
Not available
Unified tracking
Not available
Cross-Border Payouts (190+ countries)
Not available
Multi-Currency Collections (35+ markets)
Not available
Virtual Card Issuance (30+ countries)
Not available
Real-Time FX Rates
Not available
Sandbox Testing
Not available
Mass/Bulk Payout
Not available
NGN Direct Collection
Not available
Consumer-Facing Checkout
Not available
Payment Processing
Not available
Bank Transfer
Not available
Mobile Money
Not available
Cross-border Transfers
Not available
Multi-currency
Not available
Virtual Cards
Not available
Wallet Services
Not available
Instant Settlement
Not available
Sandbox Environment
Not available
SDK Support
Not available
Transaction History
Not available
Real-time Reporting
Not available
Fraud Detection
Not available
KYC Integration
Not available
Bulk Processing
Not available
API Documentation
Not available
Crypto-to-NGN Auto Settlement
Not available
Stablecoin Acceptance (USDT/USDC)
Not available
Bitcoin & Ethereum Acceptance
Not available
Unique Deposit Address Per Customer
Not available
Wallet Balance Management
Not available
Ghana (GHS) Settlement
Not available
Developer Markup (Revenue Share)
Not available
NGN On-Ramp (Buy Crypto)
Not available
International Bank Wire
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
NGN Collection (Virtual Account)
Not available
Stablecoin Collection (USDT/USDC)
Not available
UK Faster Payments Disbursement
Not available
EU SEPA Disbursement
Not available
Canada Interac Disbursement
Not available
DRC Mobile Money Disbursement
Not available
FX Rate Locking Before Transfer
Not available
Webhooks / Transaction Status
Not available
USA Disbursement
Not available
Ghana/Kenya/South Africa Corridors
Not available
Bank Account Payouts
Not available
Mobile Wallet Transfers
Not available
Cash Pickup Payouts
Not available
Multi-Currency FX
Not available
NGN Currency Support
Not available
Bulk Payment Processing
Not available
Account Validation
Not available
Business KYC Onboarding
Not available
Multi-currency Account (USD, GBP, EUR, 20+)
Not available
International Bank Transfers
Not available
NGN Payout to Nigerian Banks
Not available
FX Conversion API
Not available
Card Payment Collection
Not available
Bank Transfer Collection
Not available
Webhook Events
Not available
Bulk Payouts
Not available
NGN Local Collection (Accept NGN from Nigerian customers)
Not available
Individual/Freelancer Accounts (no CAC)
Not available
Multi-Currency Collections
Not available
International Payouts
Not available
Local Nigerian Payouts
Not available
Currency exchange
Not available
Money transfers
Not available
Cross-border payments
Not available
View Details

← Swipe to compare all 5 APIs →

++++
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.

++++
Flutterwave API

Flutterwave API

Flutterwave is one of Africa's most widely used payment infrastructure companies, providing a comprehensive API that enables businesses to accept payments locally across Africa and internationally in 150+ countries. Founded in 2016 and headquartered in San Francisco with major operations in Lagos, Flutterwave powers payments for over 1.3 million businesses across Africa. The platform is CBN-licensed, PCI DSS Level 1 certified, and handles billions of dollars in transactions annually. What the API Does The Flutterwave API provides a unified payment layer covering: card payments (Verve, Visa, Mastercard, AMEX, Discover); bank transfer checkout (USSD and direct NIP); mobile money (M-Pesa, MTN MoMo, Airtel Money, and more); virtual accounts for NGN collections; recurring billing and subscription management; split payments for marketplace revenue sharing; bulk transfers for mass payouts; multi-currency settlement in NGN, USD, GBP, EUR, and more; and payment links for no-code collections. How Developers Use It Developers sign up at flutterwave.com, obtain API keys from the Developer section of the dashboard, and integrate using the documentation at developer.flutterwave.com. Authentication uses Bearer token — secret key placed as "Authorization: Bearer sk_test_..." in request headers. Test mode keys only work in the test environment. SDKs are available for JavaScript, React, React Native, Flutter, Python, PHP, Node.js, and more. Inline checkout and redirect checkout are both supported. Webhooks deliver real-time transaction events to developer endpoints. Pricing Local transactions (cards, bank transfer, USSD, POS, Visa QR): 2% per transaction, broken down as 1.4% transaction fee + 0.6% platform fee. International cards (Visa, Mastercard, AMEX, Discover): 4.8% per transaction. Transfer fees: ₦10 for transfers up to ₦5,000; ₦25 for ₦5,001 to ₦50,000; ₦50 for transfers above ₦50,000. All fees are subject to 7.5% VAT. No monthly fee — only pay when you transact. By default, customers bear transaction charges but this can be adjusted in the dashboard. Authentication Bearer token using the secret key from your Flutterwave dashboard. Format: "Authorization: Bearer sk_test_{KEY}" for test, "Authorization: Bearer sk_live_{KEY}" for live. Never expose secret keys client-side. Rate Limits Flutterwave enforces rate limits and returns HTTP 429 (Too Many Requests) when exceeded. Specific thresholds are documented at developer.flutterwave.com/v3.0/docs/rate-limit. Compliance CBN-licensed, PCI DSS Level 1 certified. Flutterwave is registered with multiple African central banks and financial regulatory authorities. NDPR-compliant for Nigerian data protection. Challenges and Gotchas (1) The 0.6% platform fee on top of the 1.4% transaction fee makes the effective local rate 2% — ensure pricing models account for both components. (2) 7.5% VAT applies to all fees, not just the base rate. (3) International card chargeback risk requires careful implementation of refund and dispute handling. (4) Flutterwave has faced some regulatory challenges historically — stay current on their operational status. (5) Webhook endpoint verification (signature check) is mandatory in production. Company Background Flutterwave was founded by Olugbenga Agboola (GB) and co-founders in 2016. The company has raised over $500M in funding and is valued at over $3 billion, making it one of Africa's most valuable fintech companies. It operates in 34+ African countries and has processed over $26 billion in transactions. FAQs Q: What is the fee for local card payments in Nigeria? A: 2% per transaction (1.4% + 0.6% platform fee), subject to 7.5% VAT. No cap publicly published — verify on the pricing page. Q: Does Flutterwave support USSD payments? A: Yes. USSD is supported at the same 2% local rate. Q: Does Flutterwave support M-Pesa in Kenya? A: Yes. M-Pesa is supported for Kenya and other East African markets. Q: Is there a sandbox? A: Yes. Use test mode API keys (sk_test_...) for sandbox testing. Q: What is the transfer fee? A: ₦10 for transfers ≤₦5,000; ₦25 for ₦5,001–₦50,000; ₦50 for transfers above ₦50,000. All subject to VAT.

++++
Afriex API

Afriex API

Cross-border payment and remittance API for African businesses. Afriex enables payouts, collections, payment links, and customer management across multiple African corridors including Nigeria. Provides single unified API for international transfers to and from Africa with competitive rates and fast settlement.

++++
Kora Payments API

Kora Payments API

Kora (formerly Korapay) is a CBN-licensed pan-African payment infrastructure company offering a unified API for payment acceptance, payouts, identity verification, and exchange rates across Nigeria, Ghana, Kenya, and South Africa. The company rebranded from Korapay to Kora to signal its evolution from a single-market payment gateway to a multi-country API platform. Kora serves Nigerian and pan-African fintechs, marketplaces, and enterprises with a developer-first API design. What the API Does The Kora API provides: card payment acceptance (local and international); bank transfer checkout; mobile money payments across Africa; payouts to Nigerian and other African bank accounts; identity verification (BVN, NIN, vNIN, CAC, and multi-country KYC); a real-time exchange rate API; and webhook notifications for all transaction events. The API base URL is api.korapay.com/merchant. How Developers Use It Developers sign up at korahq.com, complete business verification, and obtain API keys from their Kora dashboard. Authentication uses Bearer tokens — the secret key is passed as "Authorization: Bearer {SECRET_KEY}" in request headers. Test mode uses separate test keys; live mode requires dashboard activation. Sandbox testing is available with specific test cards and bank account numbers. The full API reference is at developers.korapay.com and docs.korapay.com (OpenAPI spec available at developers.korapay.com/llms.txt). Pricing Not publicly listed. Per-verification costs for identity services are deducted directly from the Kora account balance. Payment processing fees require contacting Kora directly. Sandbox/test mode is free. Rate Limits Not publicly documented — contact Kora support for limits before high-volume integrations. Compliance CBN-licensed in Nigeria. Multi-country presence with appropriate regulatory relationships in Ghana, Kenya, and South Africa. Encryption and security-grade protocols for all identity verification calls. Challenges and Gotchas (1) Identity service activation is separate from standard payment access — must be enabled in dashboard. (2) No public rate card — pricing requires direct engagement. (3) Rate limits not documented. (4) Two documentation sites exist (developers.korapay.com and docs.korapay.com) — both are maintained but can cause confusion. (5) Recurring billing not currently supported. Company Background Kora was founded in Nigeria and has grown into a multi-country payment infrastructure provider. The company raised a Series A round and is backed by African and global investors. The rebrand from Korapay to Kora reflected the platform's expansion beyond Nigeria to serve pan-African payment flows. FAQs Q: Is Kora the same as Korapay? A: Yes. Korapay rebranded to Kora to reflect its multi-country expansion. Q: Does Kora support mobile money across Africa? A: Yes. Mobile money payments are supported across multiple African markets. Q: Is there a sandbox? A: Yes. Use test keys and the provided test card/bank account numbers to simulate payments. Q: Does Kora have an exchange rate API? A: Yes. A real-time exchange rate API is included in the Kora API suite. Kora's identity verification capabilities — BVN validation, NIN verification, CAC business registration lookup, bank account name resolution — allow platforms to perform KYC checks within the same API integration used for payments. For Nigerian fintechs with regulatory KYC obligations, combining payment processing and identity verification in a single provider relationship reduces integration complexity and the vendor management overhead of maintaining separate payment and KYC provider relationships. Multi-country coverage from Kora extends payment collection and disbursement capabilities to Nigeria, Ghana, Kenya, and South Africa through a single API, with exchange rate data available for FX conversion between these markets. Nigerian platforms expanding to other African markets, or pan-African platforms that include Nigeria as a market, can use Kora to cover multiple African payment contexts without establishing separate provider relationships in each country. Kora's API documentation and developer experience orientation reflect the company's positioning for developer-led product discovery — Nigerian developers can sign up, explore the sandbox, and begin integration without enterprise sales engagement. The availability of test environment credentials, comprehensive API reference documentation, and code examples reduces the time from developer discovery to working integration, which is meaningful for Nigerian startups moving quickly to market.

++++
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.

++++
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.

++++
Payoneer Payout API

Payoneer Payout API

Payoneer is a global financial services company headquartered in New York that specializes in cross-border payments and mass payouts. Founded in 2005, Payoneer serves 5 million+ businesses and freelancers in 190+ countries, and is particularly popular in emerging markets including Nigeria, where it is widely used by freelancers, remote workers, and digital service providers to receive international payments from global clients on platforms like Upwork, Fiverr, and direct business clients. Payoneer is fully operational in Nigeria. Nigerian users can create Payoneer accounts, receive payments in USD, EUR, GBP, and other currencies, and withdraw directly to a Nigerian bank account in NGN. This makes Payoneer one of the most accessible international payment receipt platforms for Nigerian professionals. The Mass Payout API extends this capability to platforms — enabling businesses to disburse earnings to thousands of Payoneer account holders globally, including Nigeria, through a programmatic API. The Payoneer Mass Payout API v4 is RESTful with JSON payloads. Authentication uses OAuth 2.0 with Client ID and Client Secret, following the standard Client Credentials grant. API documentation is at developer.payoneer.com. The API enables platforms to: register new payees programmatically (white-label onboarding), check payee status and approval, initiate mass payouts to multiple payees in a single batch call, query payment status, and retrieve transaction history. The white-label registration flow is powerful for marketplace operators. Rather than requiring payees (freelancers, sellers, service providers) to manually create Payoneer accounts on Payoneer's website, the platform can embed a customized registration flow within their own UI — Payoneer handles the KYC verification in the background. This creates a seamless onboarding experience where users feel they're interacting with the platform's native payment system. Mass Payout batches allow platforms to submit hundreds or thousands of payment instructions simultaneously, specifying the Payoneer account ID and amount for each recipient. Payoneer processes these in batch and notifies the platform via webhooks on each payment's status (pending, processing, completed, failed). Pricing for Payoneer Mass Payout API is transaction-based. The fee structure depends on the payment type (Payoneer-to-Payoneer vs. Payoneer-to-bank), currency, and payout corridor. Payoneer-to-Payoneer transfers are typically free or very low cost. Bank withdrawals to Nigerian accounts incur conversion fees from the original currency (usually USD) to NGN. Exact rates are provided during the platform onboarding process and are negotiable for high-volume partners. From a compliance standpoint, Payoneer is registered with the US FinCEN as a Money Services Business and holds e-money licenses in the EU, UK, Japan, Australia, and other jurisdictions. For Nigeria, Payoneer operates under the CBN's guidelines for international remittance. The company went public on NASDAQ in 2021. Frequently Asked Questions: Can Nigerian individuals receive money on Payoneer? Yes — individual Nigerian professionals can create a free Payoneer account and receive USD, EUR, or GBP payments from international clients, then withdraw to a Nigerian bank. Can I build a platform that pays Nigerian sellers via Payoneer? Yes — use the Payoneer Mass Payout API with the white-label payee registration flow to onboard Nigerian sellers and disburse earnings to their Payoneer accounts (which they can then withdraw locally). Does Payoneer support NGN collections (receiving payments from Nigerian customers)? Primarily no — Payoneer is focused on paying OUT to recipients globally. For collecting NGN from Nigerian customers, use a local Nigerian gateway like Paystack or Monnify.

++++
Thunes Payout API

Thunes Payout API

Thunes is a global B2B cross-border payments company headquartered in Singapore, operating a proprietary real-time payment network that connects over 12 billion bank accounts, mobile wallets, and stablecoin wallets across 140 countries — accessible through a single API integration. Unlike traditional correspondent banking, Thunes routes payments through direct partnerships with local payment providers, mobile network operators, and bank networks in each country, enabling real-time 24/7 fund disbursement without SWIFT delays. Thunes primarily serves enterprise clients: global marketplaces, gig economy platforms, remittance operators, global banks, and B2B payment networks. The company's API documentation is available at docs.thunes.com, and the platform is designed for high-volume institutional integrations rather than self-service individual developers. The Thunes API enables two core operations: payouts (sending money to recipients globally) and, more recently, collection (receiving payments). Payouts can be delivered to bank accounts, mobile wallets (MTN Mobile Money, M-Pesa, Orange Money, etc.), and stablecoin wallets (USDT, USDC) across 140 countries. Nigeria is accessible via bank account payouts and stablecoin disbursements. A significant 2026 product launch is Thunes' Instant Cross-Border Payout for Gig and Remote Workers — a direct-to-workforce solution that enables platforms to instantly pay remote workers and freelancers across 140 countries, 24/7, with funds delivered to bank accounts, mobile wallets, or stablecoin wallets in real time. For Nigerian gig workers receiving international payments, this means immediate access to earnings rather than 2–5 business day SWIFT settlement windows. Thunes differentiates on pricing transparency — the platform provides complete visibility on transfer fees, FX rates, and all associated costs before transaction authorization. This is in contrast to traditional remittance operators that often bundle fees into hidden FX spreads. For businesses sending high volumes of payments to Africa, the transparent fee model enables accurate cost forecasting. Authentication for the Thunes API uses an API Key provided after enterprise onboarding. All requests must be made over HTTPS. Webhooks are available for real-time transaction status updates. From a compliance standpoint, Thunes is regulated as a payment service provider in Singapore (MAS), the EU, and other jurisdictions. For Nigeria, Thunes routes payments through CBN-licensed local partners, ensuring regulatory compliance for inbound transfers. Thunes has strict AML/KYB requirements during onboarding — all partner businesses must complete full compliance verification before API access is granted. Frequently Asked Questions: Can I disburse to Nigerian bank accounts via Thunes? Yes — Nigeria is accessible via bank account payouts. The exact Nigerian bank coverage should be confirmed during Thunes enterprise onboarding. Does Thunes support USDT payouts to Nigeria? Yes — Thunes supports stablecoin payouts in USDT, which is particularly useful for serving Nigerian workers who prefer to hold USD-pegged stablecoins as a hedge against NGN devaluation. How does Thunes compare to Payoneer for Nigerian worker payouts? Payoneer requires workers to hold Payoneer accounts and withdraw manually. Thunes delivers directly to bank accounts or mobile wallets — no recipient account required on a Thunes platform. Thunes's stablecoin (USDT) payout rail to Nigeria represents an emerging payment corridor that bypasses traditional banking infrastructure for recipients who prefer or require cryptocurrency-based receipt. For Nigerian diaspora recipients, freelancers receiving international payments, and businesses with cryptocurrency treasury strategies, USDT payouts provide a settlement mechanism that is independent of CBN-regulated banking channels and traditional correspondent banking limitations. The 140+ country network coverage of Thunes means that Nigerian-focused platforms built on Thunes can serve Nigerian recipients specifically while the same integration handles payouts to recipients across Latin America, Southeast Asia, and other emerging market regions. For global platforms that include Nigeria among many operational markets, a single Thunes integration covers all markets simultaneously rather than requiring country-by-country payment provider relationships. Real-time payment tracking and delivery confirmation through the Thunes API allows platforms to verify that payouts have been received by recipient bank accounts or wallets, not just that the sending instruction was accepted. For platforms with customer service obligations around payment delivery — remittance services guaranteeing delivery within specific timeframes, gig platforms assuring workers that earnings are accessible — confirmed delivery status is operationally critical data.

++++
Rapyd Payout API

Rapyd Payout API

Rapyd is a global Fintech-as-a-Service (FaaS) platform that provides businesses with a single API to collect payments, disburse payouts, and manage financial operations across 100+ countries and 900+ local payment methods. Founded in 2016 and headquartered in Tel Aviv, Israel, Rapyd is backed by Stripe and other major investors, and has a community of 50,000+ developers. The Rapyd API covers the complete payment lifecycle: online checkout, virtual accounts, hosted payment pages, multi-currency wallets, card issuing, FX conversion, and bulk disbursements. The Rapyd API is RESTful with JSON payloads. Documentation is at docs.rapyd.net. Authentication uses HMAC SHA-256 signing — a security scheme where every API request is signed using the access key and secret key provided during onboarding. This is more complex than Bearer Token auth and requires developers to implement the signing algorithm correctly. The signature is computed from the HTTP method, endpoint path, salt, timestamp, access key, and request body, then base64-encoded and included in the request header. Rapyd provides code samples in multiple languages to simplify implementation. Rapyd's core product for global payments is the Collect API, which enables businesses to accept local payment methods in 100+ countries. Rather than integrating with dozens of country-specific payment processors, businesses integrate Rapyd once and get access to payment methods including bank transfers, cash payment networks, direct debit, mobile wallets, and card networks in each country. For Nigeria and Africa, Rapyd's local payment method coverage includes relevant African payment rails — exact Nigerian payment methods available can be queried via the Rapyd Payment Methods API (GET /v1/payment_methods/country?country=NG). The Payout API enables mass disbursements to bank accounts and e-wallets globally. Businesses can send payments to employees, contractors, vendors, and customers in 100+ countries. Rapyd automatically handles FX conversion when the payout currency differs from the source currency. Rapyd also offers multi-currency wallets — virtual accounts that can hold balances in multiple currencies. This is useful for platforms managing funds on behalf of multiple currencies and wanting to minimize FX conversion costs by holding funds in the appropriate currency. Card issuing is another major feature — businesses can use the Rapyd API to issue virtual and physical Visa/Mastercard cards to their users in supported markets. This powers expense management tools, corporate card programs, and employee benefit cards. The Rapyd sandbox environment is fully featured and allows testing of all payment methods, disbursements, and card operations using test credentials. The developer community at community.rapyd.net provides support and knowledge sharing. From a compliance standpoint, Rapyd is an authorized Electronic Money Institution in the UK (FCA), an authorized Payment Institution in the EU (Lituanian FSA), and holds licenses in other jurisdictions. For Africa and Nigeria specifically, Rapyd works with local regulated partners to ensure compliance with CBN requirements. Frequently Asked Questions: Does Rapyd support Nigeria directly? Nigeria is accessible through Rapyd's Africa local payment method network. Use the Payment Methods API with country=NG to see currently available Nigerian payment methods. Why does Rapyd use HMAC SHA-256 instead of Bearer tokens? HMAC signing provides additional security for high-value enterprise transactions — each request is individually signed, preventing replay attacks and request forgery. Can Nigerian businesses sign up for Rapyd directly? Businesses need to have a legal entity in a Rapyd-supported country. Nigerian companies should contact Rapyd to confirm current onboarding eligibility.

++++
Topship API

Topship API

Shipping and logistics API for African merchants enabling international and local shipments. Topship provides APIs for booking shipments, tracking parcels, managing import/export freight, and integrating multiple carrier options. Simplifies cross-border commerce for African e-commerce businesses.

++++
Easyship

Easyship

Easyship is a global multi-carrier shipping platform and API aimed at cross-border e-commerce, aggregating rates across dozens of international couriers and postal services to help merchants find the cheapest or fastest option for shipping a given package to a given country, including automatic duty and tax calculation shown to the buyer at checkout (avoiding the surprise import-fee-at-the-door problem that causes abandoned cross-border deliveries). The API covers rate shopping across connected carriers, label generation, automated customs documentation for international shipments, and a "landed cost" calculator that estimates total cost (shipping + duties + taxes) for a buyer in a specific destination country before they complete checkout — a feature specifically aimed at reducing cart abandonment on international orders. Tracking updates are aggregated into a single format across all supported carriers. For Nigerian e-commerce merchants selling internationally — exporting Nigerian-made goods, fashion, or crafts to diaspora customers or international buyers — Easyship's landed-cost-at-checkout and customs automation address two of the biggest friction points in cross-border e-commerce from Nigeria: unpredictable delivery costs for the buyer and manual customs paperwork for the seller. For purely domestic Nigerian delivery, Easyship is not the right tool; it's specifically oriented toward international shipment flows.

++++
Nium Payout API

Nium Payout API

Nium is a Singapore-headquartered global payments infrastructure company that provides businesses with a unified API to send payments to 190+ countries, collect payments in 35+ markets, and issue physical and virtual cards in 30+ countries. Nium is a licensed financial institution in multiple jurisdictions including the US, UK, EU, Singapore, and Australia, and serves financial institutions, fintech companies, banks, and enterprises that need to build or scale cross-border payment capabilities. The Nium API is RESTful with JSON payloads. Documentation is at docs.nium.com. Authentication uses API Key credentials passed in request headers (client-id and x-api-key). Nium operates a payout platform (mpdocs.nium.com) that provides the most detailed technical integration guidance for developers building payment products. For payouts, Nium supports 190+ destination countries with 65 of those available in real-time. The supported corridors span the Americas, Europe, Middle East, Africa, Oceania, and Asia-Pacific. Nigeria falls within Nium's Africa coverage — however, the exact payment methods, corridors, and processing times for Nigeria should be confirmed via the Nium Playbook at playbook.nium.com before integration. Payout fees are calculated in real-time at transaction execution and are corridor-specific. For collections, Nium supports receiving payments in 35+ markets using local payment methods. This covers bank transfers, card payments, and local e-wallets depending on the market. Nigeria-specific collection support should be confirmed separately. Nium also offers card issuance APIs in 30+ countries — enabling fintechs and banks to issue virtual and physical Visa/Mastercard cards to their customers. Cards can be issued in multiple currencies and managed programmatically (freeze, unfreeze, set spending limits, retrieve transactions). Webhooks are available for all major events: payout processing, payout completion, payout failure, and card transaction alerts. Developers can configure webhook endpoints during Nium account setup. The sandbox environment provides full testing capability for all Nium products. Moving to live requires completing Nium's enterprise onboarding, including business verification and compliance review by a Nium account manager. From a compliance standpoint, Nium is regulated in multiple jurisdictions globally. The company holds money transmitter licenses in all US states, FCA authorization in the UK, Payments Institution license in the EU, and MAS Major Payment Institution license in Singapore. For transactions to/from Nigeria, Nium routes through local correspondent partners that are CBN-licensed. Nium raised $200 million at a $2.1 billion valuation in 2022, making it one of the most well-capitalized global payment infrastructure companies. Clients include large banks, digital banks, travel companies, and enterprise platforms globally. Frequently Asked Questions: Is Nigeria a supported payout destination on Nium? Nium covers 190+ countries including African markets. Nigeria is likely included, but specific corridor availability and payment methods should be confirmed via the Nium Playbook at playbook.nium.com or by contacting your Nium account manager. Does Nium support NGN as a settlement currency? This should be confirmed during Nium onboarding. Nium typically settles in the destination country's local currency. Is Nium self-service or enterprise? Nium is primarily enterprise — access requires working with a Nium account manager. It is not a self-service sign-up API like Paystack or Stripe. Nium's card issuance capability in 30+ countries allows platforms to issue Visa or Mastercard branded cards to their customers in multiple markets from a single API integration. For Nigerian fintechs building pan-African or global financial products, Nium's card issuance infrastructure provides the card product layer alongside payout and collection capabilities, enabling a more complete financial product stack without multiple card program relationships. Nium's treasury management features allow platforms to hold multi-currency balances, execute FX conversions between 35+ currencies at competitive rates, and manage currency exposure across the markets they operate in. For Nigerian platforms managing collections in multiple currencies and disbursements in NGN or other African currencies, centralized multi-currency treasury management through Nium reduces FX conversion costs and the operational complexity of managing multiple currency accounts across different banking relationships.

++++
Klasha API

Klasha API

Klasha is a fintech platform providing global checkout solutions for African merchants enabling cross-border e-commerce payments. The Klasha API enables merchants to accept international payments, manage currency conversion, and simplify cross-border transactions. Nigerian e-commerce businesses and merchants use Klasha to expand internationally and accept payments from global customers.

++++
Breet API

Breet API

Breet is a Nigerian crypto and stablecoin infrastructure company that enables businesses to accept cryptocurrency payments and automatically settle the proceeds in local fiat currency. The platform serves 400,000+ verified users and has executed over 500 million trades. Breet is regulated under the Nigeria Data Protection Act 2023 and certified by the Nigeria Data Protection Commission (NDPC) — making it one of Nigeria's most compliance-ready crypto payment providers. What the API Does The Breet API enables developers to: generate unique crypto deposit addresses per customer or transaction; accept payments in 13+ cryptocurrencies including Bitcoin, Ethereum, USDT, USDC, Solana, Tron, BNB, Avalanche, XRP, TON, Litecoin, Bitcoin Cash, and Dogecoin; auto-convert received crypto to Nigerian Naira (NGN) or Ghanaian Cedi (GHS); settle converted fiat directly to a business bank account; and receive real-time webhook notifications for all transaction events. The entire flow — from crypto deposit to NGN bank settlement — can happen without manual intervention. How Developers Use It Developers sign up at breet.io, complete KYB verification (typically within 24 hours), and receive an App ID and App Secret for authentication. The API is REST-based with JSON responses. A live sandbox environment is available for testing the full integration before going live. The typical integration flow: generate a deposit address for a user or invoice, monitor webhooks for deposit events, and configure auto-settlement rules to push NGN to your bank account. Most integrations go live within days with dedicated integration support from Breet. Pricing Breet charges as low as 0.5% per transaction with no setup fees, no monthly subscription fees, and no hidden FX spreads. Developers can optionally add a 0 to 10% markup on top of the Breet base fee — creating an additional revenue stream from crypto payment processing. Volume-based rates are available for high-throughput businesses on request. Authentication All API calls require an App ID and App Secret issued from the Breet merchant dashboard. These credentials are passed with each request for authentication. Settlement and Geographic Support Breet supports NGN (Nigerian Naira) and GHS (Ghanaian Cedi) as settlement currencies. Crypto deposits can be received from anywhere on-chain globally. Bank settlements are currently limited to Nigerian and Ghanaian accounts. Compliance Breet operates under the Nigeria Data Protection Act 2023 and holds NDPC certification. Business customers must complete KYB before accessing the live API. Breet is a fintech company and not a licensed bank — crypto assets are noted as volatile and Breet does not provide investment advice. Challenges and Gotchas (1) KYB is required before going live — businesses must prepare CAC documents and director IDs. (2) No card payment or USSD support — Breet is crypto-in, fiat-out only. (3) Rate limits are not publicly documented — ask Breet for limits before high-volume integrations. (4) Settlement is to NGN bank accounts only — no USD or international wire settlement currently. (5) Crypto volatility risk exists between deposit and settlement unless using stablecoins (USDT/USDC). Company Background Breet was founded in Nigeria and is headquartered in Lagos. The company started as a consumer crypto trading platform and expanded into B2B crypto payment infrastructure. It is backed by Nigerian and African venture capital and focuses exclusively on the African market, with Nigeria and Ghana as primary supported countries. FAQs Q: Can I accept USDT and settle in NGN automatically? A: Yes. Breet auto-converts USDT (and any supported crypto) to NGN and pushes settlement to your Nigerian bank account. Q: Do I need a crypto licence to use Breet API? A: No. Breet holds the necessary regulatory certifications. You only need to complete KYB as a business customer. Q: Is there a sandbox for testing? A: Yes. Breet offers a live sandbox environment for full integration testing before production. Q: What is the settlement time? A: Typically within minutes for stablecoins. Volatile assets like BTC may have slight delays depending on network confirmations. Q: Can I add my own fee on top of Breet pricing? A: Yes. Breet allows you to apply a 0 to 10% markup on top of their 0.5% base fee, creating a revenue stream from your integration.

++++
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.

++++
Nomba Global Payout API

Nomba Global Payout API

The Nomba Global Payout API is a cross-border payment disbursement product launched by Nomba in March 2026, designed specifically for Nigerian payment operators, remittance platforms, and fintechs that need to collect Naira or stablecoin funds from Nigerian users and disburse to recipients in international markets. It eliminates the need for operators to manually source foreign exchange or maintain multi-currency liquidity pools across different countries. Nomba is a CBN-licensed Nigerian Payment Service Provider. The Global Payout API represents a significant expansion of Nomba's capabilities beyond domestic Nigerian payments into the cross-border remittance corridor, addressing one of the most operationally complex challenges facing Nigerian fintech operators: access to affordable, reliable FX and settlement infrastructure for international disbursements. The API enables operators to collect funds in two ways: via NGN virtual accounts (where Nigerian senders transfer Naira) or via stablecoin deposits (USDT or USDC). Once funds are received, Nomba automatically converts them to the target currency and routes the disbursement through the appropriate local payment rail in the destination country. This auto-conversion capability is a critical differentiator — operators do not need to hold USD, GBP, EUR, or CAD reserves; Nomba handles the full FX lifecycle. Supported corridors at launch include: United Kingdom via Faster Payments (transfers up to £1,000,000, settled in 1–3 hours), European Union via SEPA transfer (up to €100,000, settled in under 1 hour), Canada via Interac (instant) and standard bank transfer, and the Democratic Republic of Congo via Mobile Money (instant) and bank transfer. Additional corridors are expected to expand over time. The developer integration flow involves four main steps. First, call the exchange rates endpoint to get the current NGN-to-destination-currency rate. Optionally use the Convert Money endpoint to lock this rate before initiating the transfer. Then call the payment methods endpoint for the destination country to retrieve available rails and required recipient details (bank account type, purpose of payment, etc.). Finally, authorize the transfer with the recipient's bank details and monitor the transaction status via the returned transaction ID. Authentication uses OAuth2 Bearer Tokens, consistent with Nomba's main API. Developers use either Client Credentials (for server-to-server) or PKCE flow (for mobile apps). Webhooks deliver real-time status updates for each disbursement, enabling operators to update their internal systems when a transfer succeeds or fails. Pricing for the Global Payout API is not publicly published. Nomba charges transaction-based fees for each corridor; operators are advised to contact Nomba's team for enterprise pricing based on expected monthly volumes. Given that the product targets high-volume remittance operators and fintechs, volume discounts are likely available. The Global Payout API is particularly significant for the Nigerian diaspora remittance market. Nigeria receives over $20 billion per year in remittances and is Africa's largest remittance destination. By enabling Nigerian-licensed platforms to send money OUT of Nigeria via a single API, Nomba addresses the reverse corridor — outbound from Nigeria — which is critical for freelancer payments, business vendor payments, and capital repatriation. From a compliance standpoint, all cross-border disbursements via Nomba are processed within the CBN's regulatory framework. Nomba holds the necessary licenses for international money transfer operations. For high-volume corridors, operators may be required to provide AML documentation and demonstrate the nature of their disbursement use case. Frequently Asked Questions: Which countries can I disburse to? At launch in March 2026: UK, EU, Canada, and DRC. Additional corridors are planned. Contact Nomba for the latest corridor list. Can I collect from Nigerian users in NGN? Yes — Nomba provides NGN virtual accounts for collection. The collected Naira is automatically converted to the destination currency at the prevailing rate. Can I lock the FX rate before initiating a transfer? Yes — use the Convert Money endpoint to lock the exchange rate before authorizing the disbursement. This protects against rate fluctuations between quoting and execution. Is this separate from Nomba's domestic API? Yes — the Global Payout API is a distinct product with its own documentation at developer.nomba.com/docs/products/global-payout/introduction. Domestic Nigerian payments use the main Nomba Checkout and Transfer APIs.

++++
AZA Finance API

AZA Finance API

AZA Finance is a pan-African payments and foreign exchange infrastructure company that enables businesses and fintechs to send, receive, and convert money across Africa and globally through a single API. Originally founded as BitPesa in Nairobi in 2013, AZA Finance has evolved into one of Africa's most established cross-border payment platforms, holding regulatory licenses from the Central Bank of Nigeria (CBN), the UK Financial Conduct Authority (FCA), and the Bank of Uganda — a rare multi-jurisdictional licensing achievement in African fintech. What the API Does The AZA Finance API, documented at docs.azafinance.com and accessed via the developer portal at developers.transferzero.com, enables developers to programmatically initiate and manage cross-border payments across 30+ currencies and 115+ markets. Core capabilities include: sending payouts to bank accounts, mobile money wallets (M-Pesa, MTN Mobile Money, Airtel), and cash pickup points; real-time FX conversion between African and major global currencies; bulk payment processing for high-volume disbursements; account validation before sending; and webhook callbacks for real-time transaction status updates. How Developers Use It Developers integrate by creating an account at developers.transferzero.com. Authentication is via API Key and Secret issued from the portal. AZA Finance provides official SDKs for .NET, Java, JavaScript, PHP, and Ruby, significantly reducing integration time. The typical flow involves: creating a sender (KYC-verified entity), creating recipients (beneficiaries with bank or wallet details), initiating a transaction specifying corridors and currencies, and listening for webhook callbacks for status updates (pending, processing, paid, cancelled). The API supports test transactions in sandbox mode before going live. Supported Currencies and Countries AZA Finance supports 30+ currencies including NGN (Nigeria), GHS (Ghana), KES (Kenya), UGX (Uganda), TZS (Tanzania), ZAR (South Africa), XOF/XAF (CFA franc zones), MZN (Mozambique), USD, EUR, GBP, AED, CNY, and more. Nigeria is fully supported with CBN licensing in place. Pricing AZA Finance does not publish a public fee schedule. Pricing is determined by enterprise contract and depends on volume, corridor, and currency pair. The FX spread is embedded in the exchange rate offered. There is no self-serve free tier — you must contact their sales team to negotiate a contract. A sandbox environment is available for technical integration and testing at no cost. Authentication API authentication uses a Key + Secret pair obtained from the developer portal at developers.transferzero.com. Requests are signed with the secret to create an authorization header. The portal also supports role-based access controls for team members. Rate Limits AZA Finance operates on enterprise SLAs. Specific rate limit figures are not published publicly — they are determined by agreement. The platform maintains a 99.5% uptime guarantee. Compliance and Regulations AZA Finance is licensed by the Central Bank of Nigeria, making it one of the few Africa-focused payment APIs with direct CBN authorization. It also holds FCA authorization in the UK and Bank of Uganda licensing. The platform is PCI-DSS compliant and certified to ISO27001:2022 for information security management. All transactions undergo AML screening and compliance monitoring 24/7. Challenges and Gotchas Key limitations for Nigerian developers: (1) AZA Finance is B2B only — it is not designed for consumer checkout flows. (2) Pricing is opaque — you cannot estimate costs without contacting sales. (3) KYC onboarding can be lengthy for enterprise clients. (4) The developer portal still uses "TransferZero" branding from the previous product name — this can confuse developers unfamiliar with the company history. (5) No USSD or card payment support — AZA Finance is purely for push-payment corridors. Company Background AZA Finance was founded in 2013 as BitPesa, a Bitcoin-based remittance platform for Kenya. It later pivoted away from crypto, rebranded as TransferZero, and finally as AZA Finance in 2020. The company is headquartered in Nairobi with offices in Lagos, London, Madrid, Luxembourg, and Dakar. It has processed over $3 billion in transactions and serves major clients including global remittance firms and banks. FAQs Q: Can a Nigerian startup use AZA Finance without CBN licensing? A: Yes. AZA Finance holds the CBN license on your behalf — you access their infrastructure without needing your own license. However, you must sign a partner agreement and pass their KYC checks. Q: Is there a sandbox for testing? A: Yes. Developers can test at developers.transferzero.com in sandbox mode before production. Q: Does AZA Finance support NGN? A: Yes. Nigerian Naira (NGN) is a core supported currency with payouts to all major Nigerian banks. Q: Is AZA Finance suitable for consumer apps? A: No. AZA Finance is built for B2B use — enterprises, fintechs, and money transfer operators. It does not offer a consumer-facing checkout widget or SDK.

++++
Airwallex API

Airwallex API

Airwallex is a global financial technology platform founded in Melbourne, Australia in 2015, now operating in 60+ countries including Nigeria. The platform provides businesses with multi-currency accounts, international payment infrastructure, FX conversion, and a full-featured API for automating cross-border financial operations. Airwallex is used by over 100,000 businesses globally, ranging from startups to large enterprises, and has raised over $900 million in funding from investors including Tencent, DST Global, and Salesforce Ventures. **What Airwallex Does for Nigerian Businesses** Airwallex entered the Nigerian market as part of its broader Africa expansion strategy. For Nigerian CAC-registered businesses, Airwallex solves one of the most persistent pain points in Nigerian commerce: the difficulty and cost of holding, receiving, and sending international currencies. Through the Airwallex platform and API, Nigerian businesses can open multi-currency accounts that hold USD, GBP, EUR, and 20+ other currencies simultaneously — receiving payments from international clients without forced immediate conversion to NGN. **Core API Products** The Airwallex API is RESTful and organized around four main product areas: 1. **Global Accounts (Multi-currency Wallets)** — Create and manage accounts in multiple currencies. Each currency account comes with local payment details (e.g., a USD account with US routing and account numbers, or a GBP account with UK sort code and account number) enabling international clients to make local transfers to your business. 2. **Payouts API** — Send money to beneficiaries in 150+ countries. For Nigeria specifically, Airwallex supports NGN payout to Nigerian bank accounts via bank transfer. The payout API handles beneficiary management, payment status tracking, and webhook notifications for payment lifecycle events. 3. **FX Conversion API** — Convert between currencies at rates 0.5–1.0% above the interbank mid-market rate — dramatically cheaper than traditional Nigerian commercial bank FX spreads (often 3–5%). The API allows businesses to convert on-demand or set conversion rules programmatically. 4. **Payment Acceptance API** — Accept card payments (Visa, Mastercard, Amex) and local bank transfers from customers in 40+ markets. Card payment fees follow either blended pricing (2.8% + $0.30 per transaction) or interchange++ for high-volume merchants seeking cost transparency. Payment links, hosted payment pages, and direct API integrations are all available. **Authentication** Airwallex uses API Key authentication for server-side API calls. API keys are created through the Airwallex Dashboard and passed as Bearer tokens in the Authorization header. OAuth 2.0 is used for connected account workflows where your platform needs to manage payments on behalf of sub-merchant accounts. All API communication is over HTTPS. **Sandbox Environment** Airwallex provides a full sandbox environment for testing all API features without moving real money. Developers can test FX conversions, simulate payouts, create test beneficiaries, and trigger webhook events. The sandbox environment mirrors production behavior, making it suitable for end-to-end integration testing before going live. **Rate Limits** Specific rate limits are not publicly documented in Airwallex's developer documentation. Rate limits vary by endpoint and plan tier. Contact Airwallex support or your account manager for production rate limit policies. **Pricing for Nigerian Users** - Account opening: Free - Monthly account fee: Free - FX conversion: 0.5–1.0% above mid-market rate - International transfers: $0–$3 per transaction depending on corridor - Card payment collection: 2.8% + $0.30 (blended) or interchange++ (high volume) - Bank transfer collection: Free - NGN payout: Conversion fees apply at standard FX rates **Nigeria-Specific Requirements** To open an Airwallex account as a Nigerian business, you need: a CAC-registered company (Certificate of Incorporation or Business Name Registration), director/owner government ID (international passport or NIN), proof of business address (utility bill or bank statement not older than 3 months), 3–6 months of company bank statements, and a business description. Individual freelancers without formal business registration typically cannot qualify for all platform features. Approval takes 1–3 business days after document submission. **Compliance & Regulation** Airwallex holds licenses in multiple jurisdictions including the UK (FCA), EU, Australia (ASIC), Hong Kong, Singapore, and the US. In Nigeria, Airwallex operates as an international payment service provider serving registered Nigerian businesses. It is not a CBN-licensed Nigerian institution but interfaces with Nigerian banking rails for NGN settlements. **Challenges for Nigerian Developers** The key limitation is that Airwallex does not currently support accepting NGN-denominated payments from local Nigerian customers — it is designed for outbound international payments and inbound foreign currency collection, not domestic Nigerian payment acceptance. For local NGN payment acceptance, Nigerian businesses still need Paystack, Flutterwave, or similar local gateways. Additionally, individual freelancers without a registered company face barriers to access, as Airwallex prioritizes formal business entities. **Frequently Asked Questions** Q: Can Nigerian individuals (non-business) use Airwallex? A: Airwallex primarily serves registered businesses. Individual freelancers without a CAC-registered company may not qualify for all features. Q: Can I accept NGN payments from Nigerian customers through Airwallex? A: No. Airwallex is designed for foreign currency collection and cross-border payouts. Use Paystack or Flutterwave for local NGN payment acceptance. Q: How long does it take to get approved? A: Typically 1–3 business days after submitting all required documents. Q: What currencies can I hold? A: USD, GBP, EUR, AUD, SGD, HKD, CAD, JPY, and 15+ additional currencies depending on your account configuration. Q: Is Airwallex safe for Nigerian businesses? A: Yes — Airwallex is a regulated fintech holding licenses in the UK, EU, Australia, and other jurisdictions, and is backed by major institutional investors.

++++
Payaza API

Payaza API

Payaza Africa Limited is a pan-African payment gateway and financial services platform headquartered in Lagos, Nigeria, with operating licenses in 16+ countries including Nigeria, Ghana, Kenya, Tanzania, Liberia, Zambia, Rwanda, Uganda, Benin Republic, Côte d'Ivoire, Zimbabwe, Namibia, the DRC, Bahrain, the United Kingdom, the United States, Canada, and the UAE. This extensive multi-country licensing makes Payaza one of the most geographically diverse African payment platforms available to developers — a single Payaza API integration can power both local Nigerian payments and international collections from the UK, Canada, and the UAE. Payaza's developer documentation is available at docs.payaza.africa, with integration support at payaza.africa/integration-support. The API is RESTful with JSON payloads. Authentication uses a Bearer Token (Secret Key from the Payaza merchant dashboard). The API design follows standard patterns familiar to developers who have used Paystack or Flutterwave. Payaza supports card payments (Visa, Mastercard, Verve), bank transfer checkout, and mobile money across its supported markets. In Nigeria specifically, the gateway supports local debit card transactions, bank transfer collections, and outbound payouts to Nigerian bank accounts. In West Africa, mobile money is supported via integration with MTN Mobile Money, Orange Money, and other providers. For UK and international merchants, Payaza's local acquiring licenses enable card acceptance in British pounds and other major currencies. Multi-currency support is a primary differentiator. Merchants can configure Payaza to accept payments in NGN, GBP, USD, CAD, EUR, KES, GHS, and other currencies depending on their licensed market. This is particularly valuable for Nigerian diaspora businesses, e-commerce platforms with international customers, and SaaS companies billing customers globally. Payaza offers fast local and international payouts. For Nigerian businesses, payouts to local bank accounts are processed within standard Nigerian interbank timelines. For international payouts, Payaza's licenses in the UK, US, and Canada enable direct disbursement to foreign bank accounts without the complexity of SWIFT correspondent banking. The platform is built with security and compliance at its core. Payaza holds investment-grade security certifications and is PCI-DSS compliant. The platform has been described as offering "the most enjoyable payment experience" by Nigerian SME users, reflecting a focus on clean UI, fast onboarding, and responsive merchant support. Payaza has a particular strength in the creator economy and SME segment. Nigerian freelancers, digital product sellers, and content creators use Payaza to collect international card payments from overseas clients and receive settlement in their Nigerian accounts. The payment link feature requires no coding — making it accessible to non-technical merchants. Exact pricing is not publicly published on the Payaza website. Transaction fees are approximately 1.4–1.5% for local Nigerian transactions plus applicable flat fees, with international rates higher. Merchants are advised to contact Payaza directly for current rates based on their expected transaction volume and geography. The Payaza sandbox environment is available for testing. Moving from sandbox to live requires completing KYC onboarding including CAC registration, director BVN and government ID, and a business bank account. For international markets, Payaza may request additional compliance documentation depending on the country. From a compliance standpoint, Payaza Africa Limited is licensed by the CBN in Nigeria and has equivalent regulatory approvals in each of its 16+ operating jurisdictions. The breadth of licenses is a significant competitive advantage that took years to accumulate and represents a high barrier to entry for competitors. Frequently Asked Questions: How many countries does Payaza support? Payaza is licensed in 16+ countries as of 2026, including Nigeria, Ghana, Kenya, UK, US, Canada, and UAE. Additional markets are being added. Does Payaza support USD and GBP collection? Yes — Payaza can collect USD and GBP directly using its US and UK licenses, eliminating the need for separate payment processors in those markets. What is the onboarding time for Payaza? Nigerian business onboarding typically takes 2–5 business days depending on KYC document completeness. Is Payaza publicly traded? No — Payaza Africa Limited is a private company.

++++
Multigate API

Multigate API

Foreign exchange and payment processing API for businesses. Multigate provides APIs for currency exchange, money transfers, and cross-border payments. Enables businesses to manage international transactions and FX exposure with competitive rates.