43 Best APIs for Payments in Nigeria

We've analyzed and compared the top 43 API providers supporting Payments 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 Payments

5 of 43 selected

GIG Logistics API

Pricing
Per-shipment pricing based on weight, size, and destination. Enterprise API pricing available. Contact GIG Logistics for commercial API terms.
Parcel Booking API
Available
Waybill Generation
Available
Real-time Tracking
Available
All 36 States Coverage
Available
International Shipping
Available
Cash on Delivery
Available
Enterprise SLA
Available
Batch Shipment Processing
Available
Refrigerated/Cold Chain
Not available
Same-day Lagos Delivery
Available
Nationwide Nigeria Coverage (36 states)
Not available
Same-day Delivery Lagos
Not available
Next-day Delivery Nationwide
Not available
Waybill/Tracking Number
Not available
Package Weight/Size-Based Pricing
Not available
Door-to-Door Delivery
Not available
API Integration
Not available
Real-time GPS Tracking
Not available
Card Payments (Verve/Visa/Mastercard)
Not available
Bank Transfer Checkout
Not available
USSD Payments
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
Crypto Payments
Not available
BNPL (Buy Now Pay Later)
Not available
Virtual Account Creation
Not available
Deposit Accounts
Not available
Instant NIP Bank Transfers
Not available
Physical Card Issuance
Not available
Virtual Card Issuance
Not available
Individual KYC Verification
Not available
Business KYB Verification
Not available
Savings & Investment Products
Not available
Loan / Credit Management
Not available
Bill Payments (Airtime, Data, Cable, Electricity)
Not available
Webhook Events
Not available
Sub-ledger / Sub-accounts
Not available
International SWIFT Transfers
Not available
Multi-currency Accounts
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
Webhooks
Not available
Sandbox with Test Cards
Not available
Recurring Billing
Not available
Mobile Money
Not available
Direct Debit
Not available
Cash Collections
Not available
International Cards
Not available
Multi-Country African Acquiring
Not available
Government Collections (IPPIS/GIFMIS)
Not available
Multi-Bank Collections via RRR
Not available
Agency Banking
Not available
Bulk Disbursements
Not available
Airtime/Data/Electricity Vending
Not available
Direct Debit Mandates
Not available
School Fees Collections
Not available
Tax / Levy Collections
Not available
International Cross-Border Payouts
Not available
Bulk Payments (500+ recipients)
Not available
Local Card Payments
Not available
FX / Multi-Currency Payments
Not available
Expense Management
Not available
Auto Reconciliation
Not available
NRS E-Invoicing
Not available
South Africa (Ozow EFT)
Not available
Card Issuance
Not available
Node Access
Not available
Payments
Not available
Africa Focus
Not available
Fintech
Not available
Remittances
Not available
Growing Platform
Not available
Easy Integration
Not available
Support
Not available
Emerging
Not available
Future-ready
Not available
Card Payment Acceptance
Not available
Bank Transfer Acceptance
Not available
Payment Link Generation
Not available
Invoicing Tools
Not available
Same-day Settlement
Not available
Web Checkout Integration
Not available
Mobile Payment Support
Not available
In-person / POS Payments
Not available
International Card Acceptance
Not available
Developer API Access
Not available
Webhook Notifications
Not available
Recurring / Subscription Billing
Not available
Bulk Payouts API
Not available
Airtime Vending
Not available
3,000+ Biller Payments
Not available
Instant Bank Transfers (NIP)
Not available
QR Code Payments
Not available
Hosted Fields (PCI-DSS card capture)
Not available
Mobile SDKs
Not available
Freight Truck Booking API
Not available
Long-haul Route Coverage
Not available
Real-time GPS Cargo Tracking
Not available
Multiple Truck Sizes
Not available
Cross-border West Africa
Not available
Digital Proof of Delivery
Not available
Driver Vetting
Not available
Last-mile Parcel Delivery
Not available
International Air Freight
Not available
Sea Freight
Not available
Flight booking
Not available
Hotel search
Not available
Train tickets
Not available
Package deals
Not available
Airport transfers
Not available
Activity search
Not available
Tour booking
Not available
Availability check
Not available
Review data
Not available
Affiliate tracking
Not available
Property search
Not available
Booking creation
Not available
Property details
Not available
Transit routing
Not available
Walking directions
Not available
Bike routing
Not available
Real-time data
Not available
Multi-modal
Not available
Verified listings
Not available
Online booking
Not available
Virtual tours
Not available
Multi-Bank Virtual Accounts
Not available
Payouts to Bank Accounts
Not available
Bank Transfer Collections
Not available
e-Commerce Plugin
Not available
International Cross-Border
Not available
Checkout / Payment Links
Not available
Outbound Transfers (Payouts)
Not available
Tokenized Card Flows
Not available
POS Terminal Integration
Not available
Cross-Border Payouts
Not available
Same-day Delivery
Not available
On-demand Rider Dispatch
Not available
Food/Restaurant Delivery
Not available
Pharmacy Delivery
Not available
Bulk Order Dispatch
Not available
Lagos Coverage
Not available
Nationwide (all 36 states)
Not available
Crypto Payment Acceptance
Not available
NGN Settlement
Not available
BTC/ETH/USDT Support
Not available
Sandbox Environment
Not available
Nigerian Naira Integration
Not available
Invoice Generation
Not available
Transaction History
Not available
Event creation
Not available
Ticket sales
Not available
Attendee management
Not available
Event search
Not available
Bank Transfer Payments
Not available
Mobile Wallet Payments
Not available
Virtual USD Cards
Not available
Virtual Naira Accounts
Not available
Dynamic Accounts
Not available
Credit Scoring
Not available
Cryptocurrency Payments
Not available
International Payouts
Not available
Embedded Wallets
Not available
Smart Contract Deployment
Not available
NFT Minting Contracts
Not available
Marketplace Contracts
Not available
Account Abstraction
Not available
Backend Engine (Server Wallets)
Not available
Token (ERC-20) Deployment
Not available
Multi-chain Support
Not available
React & React Native SDKs
Not available
Unity/Unreal SDK (Gaming)
Not available
Bus Tickets
Not available
Flight Booking
Not available
Train Tickets
Not available
Inter-city
Not available
African Coverage
Not available
Real-time Availability
Not available
Instant Booking
Not available
Multi-currency
Not available
Local Payments
Not available
Integration
Not available
Flight APIs
Not available
Hotel APIs
Not available
Package APIs
Not available
Wholesale Rates
Not available
B2B Integration
Not available
White-label
Not available
Real-time Search
Not available
Booking
Not available
Commission
Not available
Car APIs
Not available
Packages
Not available
Open APIs
Not available
Customizable
Not available
Nigeria
Not available
Easy Setup
Not available
Global Inventory
Not available
Africa Presence
Not available
Flexible APIs
Not available
Scalable
Not available
Smart Wallet (Social Login)
Not available
Embedded Marketplace
Not available
NFT Minting API
Not available
Fiat On-Ramp
Not available
Multi-chain Indexer
Not available
Gasless Transactions
Not available
Unity SDK
Not available
Unreal SDK
Not available
Web/React SDK
Not available
In-person POS
Not available
Invoicing
Not available
Inventory Management
Not available
Subscriptions
Not available
Loyalty Programs
Not available
Employee Management
Not available
NGN Support
Not available
Card Payments (3DS & Non-3DS)
Not available
OPay Wallet QR Payment
Not available
Bank Account Direct Debit
Not available
Hosted Express Checkout
Not available
Refund API
Not available
WooCommerce Plugin
Not available
Card Payments (3DS + 2FA)
Not available
Internet Banking Transfers
Not available
Subscription Billing
Not available
Bill Payments API (SwitchIT)
Not available
Virtual Account Service
Not available
Instant Transfer
Not available
Wallet-as-a-Service (WaaS)
Not available
e-Invoicing API
Not available
Loan Mandate & Repayment (AntPeer)
Not available
IMTO Cross-Border Remittance
Not available
ePAPSS Pan-African Payments
Not available
Consumer Checkout Widget
Not available
Free Tier
Not available
Wallet Balance & Transactions
Not available
Virtual Account Generation
Not available
Merchant Onboarding API
Not available
Payment Links & Checkout
Not available
POS Terminal Support
Not available
International Transfers
Not available
Card Payments (Local)
Not available
BVN / NIN Verification
Not available
Cash Collection
Not available
Subscription / Recurring Billing
Not available
Refunds API
Not available
International Payments
Not available
Virtual Accounts (Multi-Currency)
Not available
Direct Debit / Recurring
Not available
M-Pesa / Mobile Money
Not available
PayAttitude
Not available
Cross-Border Payments
Not available
Payment Pages (No-code)
Not available
Dispute Management API
Not available
BNPL
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
Single Bank Transfers (NIP)
Not available
Bulk Bank Transfers
Not available
Dynamic Virtual Accounts
Not available
Single-use Account Numbers
Not available
Instant Settlement
Not available
Account Balance Check
Not available
Account Verification
Not available
Airtime Purchase API
Not available
Data Bundle Purchase API
Not available
Electricity / Cable TV Bill Payment
Not available
Webhook Event Notifications
Not available
USSD Payment Integration
Not available
Subscriptions / Recurring Billing
Not available
Marketplace / Connect (Split Payments)
Not available
Billing / Invoicing
Not available
Radar Fraud Detection
Not available
Nigerian Merchant Account
Not available
Nigerian Bank Transfer
Not available
Multi-Currency Collections
Not available
Local Nigerian Payouts
Not available
Payouts
Not available
Recurring billing
Not available
Open banking data access
Not available
View Details

Konga Logistics API

Pricing
Per-shipment pricing based on weight, dimensions, and delivery zone. Contact Konga Logistics (Kxpress) for API access and commercial pricing.
Parcel Booking API
Not available
Waybill Generation
Not available
Real-time Tracking
Not available
All 36 States Coverage
Not available
International Shipping
Not available
Cash on Delivery
Available
Enterprise SLA
Not available
Batch Shipment Processing
Not available
Refrigerated/Cold Chain
Not available
Same-day Lagos Delivery
Not available
Nationwide Nigeria Coverage (36 states)
Available
Same-day Delivery Lagos
Available
Next-day Delivery Nationwide
Available
Waybill/Tracking Number
Available
Package Weight/Size-Based Pricing
Available
Door-to-Door Delivery
Available
API Integration
Available
Real-time GPS Tracking
Not available
Card Payments (Verve/Visa/Mastercard)
Not available
Bank Transfer Checkout
Not available
USSD Payments
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
Crypto Payments
Not available
BNPL (Buy Now Pay Later)
Not available
Virtual Account Creation
Not available
Deposit Accounts
Not available
Instant NIP Bank Transfers
Not available
Physical Card Issuance
Not available
Virtual Card Issuance
Not available
Individual KYC Verification
Not available
Business KYB Verification
Not available
Savings & Investment Products
Not available
Loan / Credit Management
Not available
Bill Payments (Airtime, Data, Cable, Electricity)
Not available
Webhook Events
Not available
Sub-ledger / Sub-accounts
Not available
International SWIFT Transfers
Not available
Multi-currency Accounts
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
Webhooks
Not available
Sandbox with Test Cards
Not available
Recurring Billing
Not available
Mobile Money
Not available
Direct Debit
Not available
Cash Collections
Not available
International Cards
Not available
Multi-Country African Acquiring
Not available
Government Collections (IPPIS/GIFMIS)
Not available
Multi-Bank Collections via RRR
Not available
Agency Banking
Not available
Bulk Disbursements
Not available
Airtime/Data/Electricity Vending
Not available
Direct Debit Mandates
Not available
School Fees Collections
Not available
Tax / Levy Collections
Not available
International Cross-Border Payouts
Not available
Bulk Payments (500+ recipients)
Not available
Local Card Payments
Not available
FX / Multi-Currency Payments
Not available
Expense Management
Not available
Auto Reconciliation
Not available
NRS E-Invoicing
Not available
South Africa (Ozow EFT)
Not available
Card Issuance
Not available
Node Access
Not available
Payments
Not available
Africa Focus
Not available
Fintech
Not available
Remittances
Not available
Growing Platform
Not available
Easy Integration
Not available
Support
Not available
Emerging
Not available
Future-ready
Not available
Card Payment Acceptance
Not available
Bank Transfer Acceptance
Not available
Payment Link Generation
Not available
Invoicing Tools
Not available
Same-day Settlement
Not available
Web Checkout Integration
Not available
Mobile Payment Support
Not available
In-person / POS Payments
Not available
International Card Acceptance
Not available
Developer API Access
Not available
Webhook Notifications
Not available
Recurring / Subscription Billing
Not available
Bulk Payouts API
Not available
Airtime Vending
Not available
3,000+ Biller Payments
Not available
Instant Bank Transfers (NIP)
Not available
QR Code Payments
Not available
Hosted Fields (PCI-DSS card capture)
Not available
Mobile SDKs
Not available
Freight Truck Booking API
Not available
Long-haul Route Coverage
Not available
Real-time GPS Cargo Tracking
Not available
Multiple Truck Sizes
Not available
Cross-border West Africa
Not available
Digital Proof of Delivery
Not available
Driver Vetting
Not available
Last-mile Parcel Delivery
Not available
International Air Freight
Not available
Sea Freight
Not available
Flight booking
Not available
Hotel search
Not available
Train tickets
Not available
Package deals
Not available
Airport transfers
Not available
Activity search
Not available
Tour booking
Not available
Availability check
Not available
Review data
Not available
Affiliate tracking
Not available
Property search
Not available
Booking creation
Not available
Property details
Not available
Transit routing
Not available
Walking directions
Not available
Bike routing
Not available
Real-time data
Not available
Multi-modal
Not available
Verified listings
Not available
Online booking
Not available
Virtual tours
Not available
Multi-Bank Virtual Accounts
Not available
Payouts to Bank Accounts
Not available
Bank Transfer Collections
Not available
e-Commerce Plugin
Not available
International Cross-Border
Not available
Checkout / Payment Links
Not available
Outbound Transfers (Payouts)
Not available
Tokenized Card Flows
Not available
POS Terminal Integration
Not available
Cross-Border Payouts
Not available
Same-day Delivery
Not available
On-demand Rider Dispatch
Not available
Food/Restaurant Delivery
Not available
Pharmacy Delivery
Not available
Bulk Order Dispatch
Not available
Lagos Coverage
Not available
Nationwide (all 36 states)
Not available
Crypto Payment Acceptance
Not available
NGN Settlement
Not available
BTC/ETH/USDT Support
Not available
Sandbox Environment
Not available
Nigerian Naira Integration
Not available
Invoice Generation
Not available
Transaction History
Not available
Event creation
Not available
Ticket sales
Not available
Attendee management
Not available
Event search
Not available
Bank Transfer Payments
Not available
Mobile Wallet Payments
Not available
Virtual USD Cards
Not available
Virtual Naira Accounts
Not available
Dynamic Accounts
Not available
Credit Scoring
Not available
Cryptocurrency Payments
Not available
International Payouts
Not available
Embedded Wallets
Not available
Smart Contract Deployment
Not available
NFT Minting Contracts
Not available
Marketplace Contracts
Not available
Account Abstraction
Not available
Backend Engine (Server Wallets)
Not available
Token (ERC-20) Deployment
Not available
Multi-chain Support
Not available
React & React Native SDKs
Not available
Unity/Unreal SDK (Gaming)
Not available
Bus Tickets
Not available
Flight Booking
Not available
Train Tickets
Not available
Inter-city
Not available
African Coverage
Not available
Real-time Availability
Not available
Instant Booking
Not available
Multi-currency
Not available
Local Payments
Not available
Integration
Not available
Flight APIs
Not available
Hotel APIs
Not available
Package APIs
Not available
Wholesale Rates
Not available
B2B Integration
Not available
White-label
Not available
Real-time Search
Not available
Booking
Not available
Commission
Not available
Car APIs
Not available
Packages
Not available
Open APIs
Not available
Customizable
Not available
Nigeria
Not available
Easy Setup
Not available
Global Inventory
Not available
Africa Presence
Not available
Flexible APIs
Not available
Scalable
Not available
Smart Wallet (Social Login)
Not available
Embedded Marketplace
Not available
NFT Minting API
Not available
Fiat On-Ramp
Not available
Multi-chain Indexer
Not available
Gasless Transactions
Not available
Unity SDK
Not available
Unreal SDK
Not available
Web/React SDK
Not available
In-person POS
Not available
Invoicing
Not available
Inventory Management
Not available
Subscriptions
Not available
Loyalty Programs
Not available
Employee Management
Not available
NGN Support
Not available
Card Payments (3DS & Non-3DS)
Not available
OPay Wallet QR Payment
Not available
Bank Account Direct Debit
Not available
Hosted Express Checkout
Not available
Refund API
Not available
WooCommerce Plugin
Not available
Card Payments (3DS + 2FA)
Not available
Internet Banking Transfers
Not available
Subscription Billing
Not available
Bill Payments API (SwitchIT)
Not available
Virtual Account Service
Not available
Instant Transfer
Not available
Wallet-as-a-Service (WaaS)
Not available
e-Invoicing API
Not available
Loan Mandate & Repayment (AntPeer)
Not available
IMTO Cross-Border Remittance
Not available
ePAPSS Pan-African Payments
Not available
Consumer Checkout Widget
Not available
Free Tier
Not available
Wallet Balance & Transactions
Not available
Virtual Account Generation
Not available
Merchant Onboarding API
Not available
Payment Links & Checkout
Not available
POS Terminal Support
Not available
International Transfers
Not available
Card Payments (Local)
Not available
BVN / NIN Verification
Not available
Cash Collection
Not available
Subscription / Recurring Billing
Not available
Refunds API
Not available
International Payments
Not available
Virtual Accounts (Multi-Currency)
Not available
Direct Debit / Recurring
Not available
M-Pesa / Mobile Money
Not available
PayAttitude
Not available
Cross-Border Payments
Not available
Payment Pages (No-code)
Not available
Dispute Management API
Not available
BNPL
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
Single Bank Transfers (NIP)
Not available
Bulk Bank Transfers
Not available
Dynamic Virtual Accounts
Not available
Single-use Account Numbers
Not available
Instant Settlement
Not available
Account Balance Check
Not available
Account Verification
Not available
Airtime Purchase API
Not available
Data Bundle Purchase API
Not available
Electricity / Cable TV Bill Payment
Not available
Webhook Event Notifications
Not available
USSD Payment Integration
Not available
Subscriptions / Recurring Billing
Not available
Marketplace / Connect (Split Payments)
Not available
Billing / Invoicing
Not available
Radar Fraud Detection
Not available
Nigerian Merchant Account
Not available
Nigerian Bank Transfer
Not available
Multi-Currency Collections
Not available
Local Nigerian Payouts
Not available
Payouts
Not available
Recurring billing
Not available
Open banking data access
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.
Parcel Booking API
Not available
Waybill Generation
Not available
Real-time Tracking
Not available
All 36 States Coverage
Not available
International Shipping
Not available
Cash on Delivery
Not available
Enterprise SLA
Not available
Batch Shipment Processing
Not available
Refrigerated/Cold Chain
Not available
Same-day Lagos Delivery
Not available
Nationwide Nigeria Coverage (36 states)
Not available
Same-day Delivery Lagos
Not available
Next-day Delivery Nationwide
Not available
Waybill/Tracking Number
Not available
Package Weight/Size-Based Pricing
Not available
Door-to-Door Delivery
Not available
API Integration
Not available
Real-time GPS Tracking
Not available
Card Payments (Verve/Visa/Mastercard)
Available
Bank Transfer Checkout
Available
USSD Payments
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
Crypto Payments
Not available
BNPL (Buy Now Pay Later)
Not available
Virtual Account Creation
Not available
Deposit Accounts
Not available
Instant NIP Bank Transfers
Not available
Physical Card Issuance
Not available
Virtual Card Issuance
Not available
Individual KYC Verification
Not available
Business KYB Verification
Not available
Savings & Investment Products
Not available
Loan / Credit Management
Not available
Bill Payments (Airtime, Data, Cable, Electricity)
Not available
Webhook Events
Not available
Sub-ledger / Sub-accounts
Not available
International SWIFT Transfers
Not available
Multi-currency Accounts
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
Webhooks
Not available
Sandbox with Test Cards
Not available
Recurring Billing
Not available
Mobile Money
Not available
Direct Debit
Not available
Cash Collections
Not available
International Cards
Not available
Multi-Country African Acquiring
Not available
Government Collections (IPPIS/GIFMIS)
Not available
Multi-Bank Collections via RRR
Not available
Agency Banking
Not available
Bulk Disbursements
Not available
Airtime/Data/Electricity Vending
Not available
Direct Debit Mandates
Not available
School Fees Collections
Not available
Tax / Levy Collections
Not available
International Cross-Border Payouts
Not available
Bulk Payments (500+ recipients)
Not available
Local Card Payments
Not available
FX / Multi-Currency Payments
Not available
Expense Management
Not available
Auto Reconciliation
Not available
NRS E-Invoicing
Not available
South Africa (Ozow EFT)
Not available
Card Issuance
Not available
Node Access
Not available
Payments
Not available
Africa Focus
Not available
Fintech
Not available
Remittances
Not available
Growing Platform
Not available
Easy Integration
Not available
Support
Not available
Emerging
Not available
Future-ready
Not available
Card Payment Acceptance
Not available
Bank Transfer Acceptance
Not available
Payment Link Generation
Not available
Invoicing Tools
Not available
Same-day Settlement
Not available
Web Checkout Integration
Not available
Mobile Payment Support
Not available
In-person / POS Payments
Not available
International Card Acceptance
Not available
Developer API Access
Not available
Webhook Notifications
Not available
Recurring / Subscription Billing
Not available
Bulk Payouts API
Not available
Airtime Vending
Not available
3,000+ Biller Payments
Not available
Instant Bank Transfers (NIP)
Not available
QR Code Payments
Not available
Hosted Fields (PCI-DSS card capture)
Not available
Mobile SDKs
Not available
Freight Truck Booking API
Not available
Long-haul Route Coverage
Not available
Real-time GPS Cargo Tracking
Not available
Multiple Truck Sizes
Not available
Cross-border West Africa
Not available
Digital Proof of Delivery
Not available
Driver Vetting
Not available
Last-mile Parcel Delivery
Not available
International Air Freight
Not available
Sea Freight
Not available
Flight booking
Not available
Hotel search
Not available
Train tickets
Not available
Package deals
Not available
Airport transfers
Not available
Activity search
Not available
Tour booking
Not available
Availability check
Not available
Review data
Not available
Affiliate tracking
Not available
Property search
Not available
Booking creation
Not available
Property details
Not available
Transit routing
Not available
Walking directions
Not available
Bike routing
Not available
Real-time data
Not available
Multi-modal
Not available
Verified listings
Not available
Online booking
Not available
Virtual tours
Not available
Multi-Bank Virtual Accounts
Not available
Payouts to Bank Accounts
Not available
Bank Transfer Collections
Not available
e-Commerce Plugin
Not available
International Cross-Border
Not available
Checkout / Payment Links
Not available
Outbound Transfers (Payouts)
Not available
Tokenized Card Flows
Not available
POS Terminal Integration
Not available
Cross-Border Payouts
Not available
Same-day Delivery
Not available
On-demand Rider Dispatch
Not available
Food/Restaurant Delivery
Not available
Pharmacy Delivery
Not available
Bulk Order Dispatch
Not available
Lagos Coverage
Not available
Nationwide (all 36 states)
Not available
Crypto Payment Acceptance
Not available
NGN Settlement
Not available
BTC/ETH/USDT Support
Not available
Sandbox Environment
Not available
Nigerian Naira Integration
Not available
Invoice Generation
Not available
Transaction History
Not available
Event creation
Not available
Ticket sales
Not available
Attendee management
Not available
Event search
Not available
Bank Transfer Payments
Not available
Mobile Wallet Payments
Not available
Virtual USD Cards
Not available
Virtual Naira Accounts
Not available
Dynamic Accounts
Not available
Credit Scoring
Not available
Cryptocurrency Payments
Not available
International Payouts
Not available
Embedded Wallets
Not available
Smart Contract Deployment
Not available
NFT Minting Contracts
Not available
Marketplace Contracts
Not available
Account Abstraction
Not available
Backend Engine (Server Wallets)
Not available
Token (ERC-20) Deployment
Not available
Multi-chain Support
Not available
React & React Native SDKs
Not available
Unity/Unreal SDK (Gaming)
Not available
Bus Tickets
Not available
Flight Booking
Not available
Train Tickets
Not available
Inter-city
Not available
African Coverage
Not available
Real-time Availability
Not available
Instant Booking
Not available
Multi-currency
Not available
Local Payments
Not available
Integration
Not available
Flight APIs
Not available
Hotel APIs
Not available
Package APIs
Not available
Wholesale Rates
Not available
B2B Integration
Not available
White-label
Not available
Real-time Search
Not available
Booking
Not available
Commission
Not available
Car APIs
Not available
Packages
Not available
Open APIs
Not available
Customizable
Not available
Nigeria
Not available
Easy Setup
Not available
Global Inventory
Not available
Africa Presence
Not available
Flexible APIs
Not available
Scalable
Not available
Smart Wallet (Social Login)
Not available
Embedded Marketplace
Not available
NFT Minting API
Not available
Fiat On-Ramp
Not available
Multi-chain Indexer
Not available
Gasless Transactions
Not available
Unity SDK
Not available
Unreal SDK
Not available
Web/React SDK
Not available
In-person POS
Not available
Invoicing
Not available
Inventory Management
Not available
Subscriptions
Not available
Loyalty Programs
Not available
Employee Management
Not available
NGN Support
Not available
Card Payments (3DS & Non-3DS)
Not available
OPay Wallet QR Payment
Not available
Bank Account Direct Debit
Not available
Hosted Express Checkout
Not available
Refund API
Not available
WooCommerce Plugin
Not available
Card Payments (3DS + 2FA)
Not available
Internet Banking Transfers
Not available
Subscription Billing
Not available
Bill Payments API (SwitchIT)
Not available
Virtual Account Service
Not available
Instant Transfer
Not available
Wallet-as-a-Service (WaaS)
Not available
e-Invoicing API
Not available
Loan Mandate & Repayment (AntPeer)
Not available
IMTO Cross-Border Remittance
Not available
ePAPSS Pan-African Payments
Not available
Consumer Checkout Widget
Not available
Free Tier
Not available
Wallet Balance & Transactions
Not available
Virtual Account Generation
Not available
Merchant Onboarding API
Not available
Payment Links & Checkout
Not available
POS Terminal Support
Not available
International Transfers
Not available
Card Payments (Local)
Not available
BVN / NIN Verification
Not available
Cash Collection
Not available
Subscription / Recurring Billing
Not available
Refunds API
Not available
International Payments
Not available
Virtual Accounts (Multi-Currency)
Not available
Direct Debit / Recurring
Not available
M-Pesa / Mobile Money
Not available
PayAttitude
Not available
Cross-Border Payments
Not available
Payment Pages (No-code)
Not available
Dispute Management API
Not available
BNPL
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
Single Bank Transfers (NIP)
Not available
Bulk Bank Transfers
Not available
Dynamic Virtual Accounts
Not available
Single-use Account Numbers
Not available
Instant Settlement
Not available
Account Balance Check
Not available
Account Verification
Not available
Airtime Purchase API
Not available
Data Bundle Purchase API
Not available
Electricity / Cable TV Bill Payment
Not available
Webhook Event Notifications
Not available
USSD Payment Integration
Not available
Subscriptions / Recurring Billing
Not available
Marketplace / Connect (Split Payments)
Not available
Billing / Invoicing
Not available
Radar Fraud Detection
Not available
Nigerian Merchant Account
Not available
Nigerian Bank Transfer
Not available
Multi-Currency Collections
Not available
Local Nigerian Payouts
Not available
Payouts
Not available
Recurring billing
Not available
Open banking data access
Not available
View Details

Anchor API

Pricing
Custom pricing tailored to business needs. Anchor offers flexible pricing models based on transaction volume and product usage. Contact sales for a quote. No publicly listed free tier.
Parcel Booking API
Not available
Waybill Generation
Not available
Real-time Tracking
Not available
All 36 States Coverage
Not available
International Shipping
Not available
Cash on Delivery
Not available
Enterprise SLA
Not available
Batch Shipment Processing
Not available
Refrigerated/Cold Chain
Not available
Same-day Lagos Delivery
Not available
Nationwide Nigeria Coverage (36 states)
Not available
Same-day Delivery Lagos
Not available
Next-day Delivery Nationwide
Not available
Waybill/Tracking Number
Not available
Package Weight/Size-Based Pricing
Not available
Door-to-Door Delivery
Not available
API Integration
Not available
Real-time GPS Tracking
Not available
Card Payments (Verve/Visa/Mastercard)
Not available
Bank Transfer Checkout
Not available
USSD Payments
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
Available
Payment Links
Not available
Multi-Currency Settlement
Not available
Crypto Payments
Not available
BNPL (Buy Now Pay Later)
Not available
Virtual Account Creation
Available
Deposit Accounts
Available
Instant NIP Bank Transfers
Available
Physical Card Issuance
Available
Virtual Card Issuance
Available
Individual KYC Verification
Available
Business KYB Verification
Available
Savings & Investment Products
Available
Loan / Credit Management
Available
Bill Payments (Airtime, Data, Cable, Electricity)
Available
Webhook Events
Available
Sub-ledger / Sub-accounts
Available
International SWIFT Transfers
Not available
Multi-currency Accounts
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
Webhooks
Not available
Sandbox with Test Cards
Not available
Recurring Billing
Not available
Mobile Money
Not available
Direct Debit
Not available
Cash Collections
Not available
International Cards
Not available
Multi-Country African Acquiring
Not available
Government Collections (IPPIS/GIFMIS)
Not available
Multi-Bank Collections via RRR
Not available
Agency Banking
Not available
Bulk Disbursements
Not available
Airtime/Data/Electricity Vending
Not available
Direct Debit Mandates
Not available
School Fees Collections
Not available
Tax / Levy Collections
Not available
International Cross-Border Payouts
Not available
Bulk Payments (500+ recipients)
Not available
Local Card Payments
Not available
FX / Multi-Currency Payments
Not available
Expense Management
Not available
Auto Reconciliation
Not available
NRS E-Invoicing
Not available
South Africa (Ozow EFT)
Not available
Card Issuance
Not available
Node Access
Not available
Payments
Not available
Africa Focus
Not available
Fintech
Not available
Remittances
Not available
Growing Platform
Not available
Easy Integration
Not available
Support
Not available
Emerging
Not available
Future-ready
Not available
Card Payment Acceptance
Not available
Bank Transfer Acceptance
Not available
Payment Link Generation
Not available
Invoicing Tools
Not available
Same-day Settlement
Not available
Web Checkout Integration
Not available
Mobile Payment Support
Not available
In-person / POS Payments
Not available
International Card Acceptance
Not available
Developer API Access
Not available
Webhook Notifications
Not available
Recurring / Subscription Billing
Not available
Bulk Payouts API
Not available
Airtime Vending
Not available
3,000+ Biller Payments
Not available
Instant Bank Transfers (NIP)
Not available
QR Code Payments
Not available
Hosted Fields (PCI-DSS card capture)
Not available
Mobile SDKs
Not available
Freight Truck Booking API
Not available
Long-haul Route Coverage
Not available
Real-time GPS Cargo Tracking
Not available
Multiple Truck Sizes
Not available
Cross-border West Africa
Not available
Digital Proof of Delivery
Not available
Driver Vetting
Not available
Last-mile Parcel Delivery
Not available
International Air Freight
Not available
Sea Freight
Not available
Flight booking
Not available
Hotel search
Not available
Train tickets
Not available
Package deals
Not available
Airport transfers
Not available
Activity search
Not available
Tour booking
Not available
Availability check
Not available
Review data
Not available
Affiliate tracking
Not available
Property search
Not available
Booking creation
Not available
Property details
Not available
Transit routing
Not available
Walking directions
Not available
Bike routing
Not available
Real-time data
Not available
Multi-modal
Not available
Verified listings
Not available
Online booking
Not available
Virtual tours
Not available
Multi-Bank Virtual Accounts
Not available
Payouts to Bank Accounts
Not available
Bank Transfer Collections
Not available
e-Commerce Plugin
Not available
International Cross-Border
Not available
Checkout / Payment Links
Not available
Outbound Transfers (Payouts)
Not available
Tokenized Card Flows
Not available
POS Terminal Integration
Not available
Cross-Border Payouts
Not available
Same-day Delivery
Not available
On-demand Rider Dispatch
Not available
Food/Restaurant Delivery
Not available
Pharmacy Delivery
Not available
Bulk Order Dispatch
Not available
Lagos Coverage
Not available
Nationwide (all 36 states)
Not available
Crypto Payment Acceptance
Not available
NGN Settlement
Not available
BTC/ETH/USDT Support
Not available
Sandbox Environment
Not available
Nigerian Naira Integration
Not available
Invoice Generation
Not available
Transaction History
Not available
Event creation
Not available
Ticket sales
Not available
Attendee management
Not available
Event search
Not available
Bank Transfer Payments
Not available
Mobile Wallet Payments
Not available
Virtual USD Cards
Not available
Virtual Naira Accounts
Not available
Dynamic Accounts
Not available
Credit Scoring
Not available
Cryptocurrency Payments
Not available
International Payouts
Not available
Embedded Wallets
Not available
Smart Contract Deployment
Not available
NFT Minting Contracts
Not available
Marketplace Contracts
Not available
Account Abstraction
Not available
Backend Engine (Server Wallets)
Not available
Token (ERC-20) Deployment
Not available
Multi-chain Support
Not available
React & React Native SDKs
Not available
Unity/Unreal SDK (Gaming)
Not available
Bus Tickets
Not available
Flight Booking
Not available
Train Tickets
Not available
Inter-city
Not available
African Coverage
Not available
Real-time Availability
Not available
Instant Booking
Not available
Multi-currency
Not available
Local Payments
Not available
Integration
Not available
Flight APIs
Not available
Hotel APIs
Not available
Package APIs
Not available
Wholesale Rates
Not available
B2B Integration
Not available
White-label
Not available
Real-time Search
Not available
Booking
Not available
Commission
Not available
Car APIs
Not available
Packages
Not available
Open APIs
Not available
Customizable
Not available
Nigeria
Not available
Easy Setup
Not available
Global Inventory
Not available
Africa Presence
Not available
Flexible APIs
Not available
Scalable
Not available
Smart Wallet (Social Login)
Not available
Embedded Marketplace
Not available
NFT Minting API
Not available
Fiat On-Ramp
Not available
Multi-chain Indexer
Not available
Gasless Transactions
Not available
Unity SDK
Not available
Unreal SDK
Not available
Web/React SDK
Not available
In-person POS
Not available
Invoicing
Not available
Inventory Management
Not available
Subscriptions
Not available
Loyalty Programs
Not available
Employee Management
Not available
NGN Support
Not available
Card Payments (3DS & Non-3DS)
Not available
OPay Wallet QR Payment
Not available
Bank Account Direct Debit
Not available
Hosted Express Checkout
Not available
Refund API
Not available
WooCommerce Plugin
Not available
Card Payments (3DS + 2FA)
Not available
Internet Banking Transfers
Not available
Subscription Billing
Not available
Bill Payments API (SwitchIT)
Not available
Virtual Account Service
Not available
Instant Transfer
Not available
Wallet-as-a-Service (WaaS)
Not available
e-Invoicing API
Not available
Loan Mandate & Repayment (AntPeer)
Not available
IMTO Cross-Border Remittance
Not available
ePAPSS Pan-African Payments
Not available
Consumer Checkout Widget
Not available
Free Tier
Not available
Wallet Balance & Transactions
Not available
Virtual Account Generation
Not available
Merchant Onboarding API
Not available
Payment Links & Checkout
Not available
POS Terminal Support
Not available
International Transfers
Not available
Card Payments (Local)
Not available
BVN / NIN Verification
Not available
Cash Collection
Not available
Subscription / Recurring Billing
Not available
Refunds API
Not available
International Payments
Not available
Virtual Accounts (Multi-Currency)
Not available
Direct Debit / Recurring
Not available
M-Pesa / Mobile Money
Not available
PayAttitude
Not available
Cross-Border Payments
Not available
Payment Pages (No-code)
Not available
Dispute Management API
Not available
BNPL
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
Single Bank Transfers (NIP)
Not available
Bulk Bank Transfers
Not available
Dynamic Virtual Accounts
Not available
Single-use Account Numbers
Not available
Instant Settlement
Not available
Account Balance Check
Not available
Account Verification
Not available
Airtime Purchase API
Not available
Data Bundle Purchase API
Not available
Electricity / Cable TV Bill Payment
Not available
Webhook Event Notifications
Not available
USSD Payment Integration
Not available
Subscriptions / Recurring Billing
Not available
Marketplace / Connect (Split Payments)
Not available
Billing / Invoicing
Not available
Radar Fraud Detection
Not available
Nigerian Merchant Account
Not available
Nigerian Bank Transfer
Not available
Multi-Currency Collections
Not available
Local Nigerian Payouts
Not available
Payouts
Not available
Recurring billing
Not available
Open banking data access
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.
Parcel Booking API
Not available
Waybill Generation
Not available
Real-time Tracking
Not available
All 36 States Coverage
Not available
International Shipping
Not available
Cash on Delivery
Not available
Enterprise SLA
Not available
Batch Shipment Processing
Not available
Refrigerated/Cold Chain
Not available
Same-day Lagos Delivery
Not available
Nationwide Nigeria Coverage (36 states)
Not available
Same-day Delivery Lagos
Not available
Next-day Delivery Nationwide
Not available
Waybill/Tracking Number
Not available
Package Weight/Size-Based Pricing
Not available
Door-to-Door Delivery
Not available
API Integration
Not available
Real-time GPS Tracking
Not available
Card Payments (Verve/Visa/Mastercard)
Not available
Bank Transfer Checkout
Available
USSD Payments
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
Crypto Payments
Not available
BNPL (Buy Now Pay Later)
Not available
Virtual Account Creation
Not available
Deposit Accounts
Not available
Instant NIP Bank Transfers
Not available
Physical Card Issuance
Not available
Virtual Card Issuance
Not available
Individual KYC Verification
Not available
Business KYB Verification
Not available
Savings & Investment Products
Not available
Loan / Credit Management
Not available
Bill Payments (Airtime, Data, Cable, Electricity)
Not available
Webhook Events
Not available
Sub-ledger / Sub-accounts
Not available
International SWIFT Transfers
Not available
Multi-currency Accounts
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
Webhooks
Available
Sandbox with Test Cards
Available
Recurring Billing
Not available
Mobile Money
Not available
Direct Debit
Not available
Cash Collections
Not available
International Cards
Not available
Multi-Country African Acquiring
Not available
Government Collections (IPPIS/GIFMIS)
Not available
Multi-Bank Collections via RRR
Not available
Agency Banking
Not available
Bulk Disbursements
Not available
Airtime/Data/Electricity Vending
Not available
Direct Debit Mandates
Not available
School Fees Collections
Not available
Tax / Levy Collections
Not available
International Cross-Border Payouts
Not available
Bulk Payments (500+ recipients)
Not available
Local Card Payments
Not available
FX / Multi-Currency Payments
Not available
Expense Management
Not available
Auto Reconciliation
Not available
NRS E-Invoicing
Not available
South Africa (Ozow EFT)
Not available
Card Issuance
Not available
Node Access
Not available
Payments
Not available
Africa Focus
Not available
Fintech
Not available
Remittances
Not available
Growing Platform
Not available
Easy Integration
Not available
Support
Not available
Emerging
Not available
Future-ready
Not available
Card Payment Acceptance
Not available
Bank Transfer Acceptance
Not available
Payment Link Generation
Not available
Invoicing Tools
Not available
Same-day Settlement
Not available
Web Checkout Integration
Not available
Mobile Payment Support
Not available
In-person / POS Payments
Not available
International Card Acceptance
Not available
Developer API Access
Not available
Webhook Notifications
Not available
Recurring / Subscription Billing
Not available
Bulk Payouts API
Not available
Airtime Vending
Not available
3,000+ Biller Payments
Not available
Instant Bank Transfers (NIP)
Not available
QR Code Payments
Not available
Hosted Fields (PCI-DSS card capture)
Not available
Mobile SDKs
Not available
Freight Truck Booking API
Not available
Long-haul Route Coverage
Not available
Real-time GPS Cargo Tracking
Not available
Multiple Truck Sizes
Not available
Cross-border West Africa
Not available
Digital Proof of Delivery
Not available
Driver Vetting
Not available
Last-mile Parcel Delivery
Not available
International Air Freight
Not available
Sea Freight
Not available
Flight booking
Not available
Hotel search
Not available
Train tickets
Not available
Package deals
Not available
Airport transfers
Not available
Activity search
Not available
Tour booking
Not available
Availability check
Not available
Review data
Not available
Affiliate tracking
Not available
Property search
Not available
Booking creation
Not available
Property details
Not available
Transit routing
Not available
Walking directions
Not available
Bike routing
Not available
Real-time data
Not available
Multi-modal
Not available
Verified listings
Not available
Online booking
Not available
Virtual tours
Not available
Multi-Bank Virtual Accounts
Not available
Payouts to Bank Accounts
Not available
Bank Transfer Collections
Not available
e-Commerce Plugin
Not available
International Cross-Border
Not available
Checkout / Payment Links
Not available
Outbound Transfers (Payouts)
Not available
Tokenized Card Flows
Not available
POS Terminal Integration
Not available
Cross-Border Payouts
Not available
Same-day Delivery
Not available
On-demand Rider Dispatch
Not available
Food/Restaurant Delivery
Not available
Pharmacy Delivery
Not available
Bulk Order Dispatch
Not available
Lagos Coverage
Not available
Nationwide (all 36 states)
Not available
Crypto Payment Acceptance
Not available
NGN Settlement
Not available
BTC/ETH/USDT Support
Not available
Sandbox Environment
Not available
Nigerian Naira Integration
Not available
Invoice Generation
Not available
Transaction History
Not available
Event creation
Not available
Ticket sales
Not available
Attendee management
Not available
Event search
Not available
Bank Transfer Payments
Not available
Mobile Wallet Payments
Not available
Virtual USD Cards
Not available
Virtual Naira Accounts
Not available
Dynamic Accounts
Not available
Credit Scoring
Not available
Cryptocurrency Payments
Not available
International Payouts
Not available
Embedded Wallets
Not available
Smart Contract Deployment
Not available
NFT Minting Contracts
Not available
Marketplace Contracts
Not available
Account Abstraction
Not available
Backend Engine (Server Wallets)
Not available
Token (ERC-20) Deployment
Not available
Multi-chain Support
Not available
React & React Native SDKs
Not available
Unity/Unreal SDK (Gaming)
Not available
Bus Tickets
Not available
Flight Booking
Not available
Train Tickets
Not available
Inter-city
Not available
African Coverage
Not available
Real-time Availability
Not available
Instant Booking
Not available
Multi-currency
Not available
Local Payments
Not available
Integration
Not available
Flight APIs
Not available
Hotel APIs
Not available
Package APIs
Not available
Wholesale Rates
Not available
B2B Integration
Not available
White-label
Not available
Real-time Search
Not available
Booking
Not available
Commission
Not available
Car APIs
Not available
Packages
Not available
Open APIs
Not available
Customizable
Not available
Nigeria
Not available
Easy Setup
Not available
Global Inventory
Not available
Africa Presence
Not available
Flexible APIs
Not available
Scalable
Not available
Smart Wallet (Social Login)
Not available
Embedded Marketplace
Not available
NFT Minting API
Not available
Fiat On-Ramp
Not available
Multi-chain Indexer
Not available
Gasless Transactions
Not available
Unity SDK
Not available
Unreal SDK
Not available
Web/React SDK
Not available
In-person POS
Not available
Invoicing
Not available
Inventory Management
Not available
Subscriptions
Not available
Loyalty Programs
Not available
Employee Management
Not available
NGN Support
Not available
Card Payments (3DS & Non-3DS)
Not available
OPay Wallet QR Payment
Not available
Bank Account Direct Debit
Not available
Hosted Express Checkout
Not available
Refund API
Not available
WooCommerce Plugin
Not available
Card Payments (3DS + 2FA)
Not available
Internet Banking Transfers
Not available
Subscription Billing
Not available
Bill Payments API (SwitchIT)
Not available
Virtual Account Service
Not available
Instant Transfer
Not available
Wallet-as-a-Service (WaaS)
Not available
e-Invoicing API
Not available
Loan Mandate & Repayment (AntPeer)
Not available
IMTO Cross-Border Remittance
Not available
ePAPSS Pan-African Payments
Not available
Consumer Checkout Widget
Not available
Free Tier
Not available
Wallet Balance & Transactions
Not available
Virtual Account Generation
Not available
Merchant Onboarding API
Not available
Payment Links & Checkout
Not available
POS Terminal Support
Not available
International Transfers
Not available
Card Payments (Local)
Not available
BVN / NIN Verification
Not available
Cash Collection
Not available
Subscription / Recurring Billing
Not available
Refunds API
Not available
International Payments
Not available
Virtual Accounts (Multi-Currency)
Not available
Direct Debit / Recurring
Not available
M-Pesa / Mobile Money
Not available
PayAttitude
Not available
Cross-Border Payments
Not available
Payment Pages (No-code)
Not available
Dispute Management API
Not available
BNPL
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
Single Bank Transfers (NIP)
Not available
Bulk Bank Transfers
Not available
Dynamic Virtual Accounts
Not available
Single-use Account Numbers
Not available
Instant Settlement
Not available
Account Balance Check
Not available
Account Verification
Not available
Airtime Purchase API
Not available
Data Bundle Purchase API
Not available
Electricity / Cable TV Bill Payment
Not available
Webhook Event Notifications
Not available
USSD Payment Integration
Not available
Subscriptions / Recurring Billing
Not available
Marketplace / Connect (Split Payments)
Not available
Billing / Invoicing
Not available
Radar Fraud Detection
Not available
Nigerian Merchant Account
Not available
Nigerian Bank Transfer
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Multi-Currency Collections
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Local Nigerian Payouts
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Payouts
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Recurring billing
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Open banking data access
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GIG Logistics API

GIG Logistics API

GIG Logistics (GIGL) is Nigeria's largest courier and parcel delivery company, operating a nationwide network of over 200 service centers across all 36 states and the Federal Capital Territory. Through its developer API, GIGL enables businesses to programmatically book shipments, generate waybills, track parcels in real time, and integrate Nigeria's most trusted courier brand directly into e-commerce platforms, enterprise applications, and logistics management systems. **What the GIG Logistics API Does** The GIGL API exposes the full operational capability of Nigeria's largest courier network: **1. Shipment Booking** Create a shipment booking programmatically by providing sender and recipient details, package dimensions and weight, collection method (drop-off at service center or home pickup), and delivery preference. The API returns a booking ID and waybill number. **2. Waybill Generation** Generate a printable waybill/tracking label for each shipment. The waybill includes barcode, sender/recipient details, tracking number, and service center routing information. **3. Real-time Tracking** Query any shipment's current status and location using its waybill number. Status updates include: collected, in transit, at hub, out for delivery, delivered, and exception states. Webhook integration available for real-time push notifications. **4. Rate Calculation** Before booking, query the rate calculation endpoint with package weight, dimensions, origin, and destination to receive the delivery cost. Supports all GIGL service types (regular, express, economy). **5. Service Center Lookup** Query the locations and contact details of any of GIGL's 200+ service centers by state or city. Useful for building drop-off location finders in your application. **6. Cash on Delivery** GIGL riders collect payment from recipients on behalf of shippers. The COD amount is specified at booking time and disbursed to the sender account periodically. This is one of GIGL's most valued features in Nigeria's cash-preference market. **Nigerian Market Position** GIG Logistics is in a class of its own in Nigerian logistics: - **Scale**: 200+ service centers vs competitors' typical 10-20 locations - **History**: Over a decade of operations; deeply trusted brand - **Institutional clients**: Nigerian banks, insurance companies, telcos, government agencies - **Coverage depth**: Reaches secondary and tertiary cities across all 36 states - **International**: Partnership with DHL for international shipments from Nigeria No other Nigerian courier company approaches GIGL's nationwide footprint, making it the default choice for businesses requiring reliable nationwide delivery at scale. **Enterprise Use Cases** GIGL is particularly well-positioned for high-volume enterprise logistics: 1. **Bank Document Delivery**: Nigerian commercial banks use GIGL to deliver ATM cards, checkbooks, loan documents, and other financial materials to customers nationwide. API integration allows the bank's core banking system to automatically dispatch GIGL shipments when cards or documents are processed. 2. **Telco SIM and Device Distribution**: Nigerian telecommunications companies (MTN, Airtel, Glo, 9mobile) use GIGL for distributing SIM cards, devices, and promotional materials to dealers and subscribers nationwide. 3. **E-Commerce Fulfillment**: Online retailers use GIGL's API to integrate national delivery into their order management systems — automated waybill generation on order confirmation, tracking updates pushed to customers, and COD settlement. 4. **Insurance Document Distribution**: Insurance companies ship policy documents, certificates, and renewal notices to policyholders in all states through GIGL's network. **How Developers Integrate** GIGL's API uses REST with JSON and Bearer token authentication: ``` POST https://api.giglogistics.com/api/Shipment Authorization: Bearer YOUR_TOKEN { "CustomerCode": "your_account_code", "ReceiverName": "John Doe", "ReceiverAddress": "25 Marina Street, Lagos Island", "ReceiverPhoneNumber": "08012345678", "Description": "Documents", "Weight": 0.5 } ``` Response includes waybill number, estimated delivery date, and cost. GIGL provides sandbox credentials for development testing. Their technical team supports enterprise API onboarding. **Pricing** Per-shipment pricing based on weight, package dimensions, origin-destination pair, and service type. No monthly API fee — you pay per shipment booked. Enterprise accounts receive negotiated rates based on volume commitments. Contact GIGL's enterprise team for volume pricing. **Authentication and Security** GIGL API uses Bearer token authentication. Tokens are obtained via the OAuth 2.0 flow after registering a business account. API credentials are account-specific and shipments booked via API are billed directly to the registered business account. **Webhook Notifications** For real-time status updates, GIGL offers webhook integration. Register a callback URL in your account settings, and GIGL will POST status update events when a shipment's state changes. This eliminates the need to poll the tracking endpoint and enables real-time customer notifications via SMS or WhatsApp. **International Shipping** GIGL's DHL partnership enables international shipping from Nigeria. Through the GIGL API, businesses can book international express shipments to 220+ countries using DHL's global network, with GIGL handling the Nigerian-side pickup and customs documentation. **Compliance and Documentation** Enterprise GIGL API access requires: - CAC business registration certificate - Tax Identification Number (TIN) - Signed API service agreement - Account verification by GIGL's enterprise team Typical enterprise onboarding takes 1-2 weeks from initial contact to API credentials. **Company Background** GIG Logistics is the logistics arm of the GIG Group (God Is Good Group), founded by Chidi Ajaere. Originally established as a bus transportation company (GIGM — God Is Good Motors), the group diversified into logistics and has grown GIGL into Nigeria's leading courier brand. The company is privately held, Nigerian-owned, and has demonstrated consistent growth through its service-center expansion model. GIGL is widely regarded as the most reliable option for nationwide delivery to secondary cities and rural areas where other couriers have limited or no coverage. GIG Logistics API is the enterprise-grade logistics integration for Nigerian businesses that need nationwide courier capability with the highest network coverage, institutional trust, and volume capacity available in the Nigerian market.

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Konga Logistics API

Konga Logistics API

Konga Logistics (also known as Kxpress) is the logistics arm of Konga.com, one of Nigeria's oldest and most recognized e-commerce platforms. Konga Logistics provides API-integrated parcel delivery covering all 36 Nigerian states and the Federal Capital Territory, offering same-day delivery within Lagos and next-day delivery to other major cities. For Nigerian e-commerce platforms, marketplaces, and direct-to-consumer brands, the Konga Logistics API provides access to an established nationwide delivery infrastructure with the credibility of one of Nigeria's most trusted retail brands. **What Konga Logistics API Does** The Konga Logistics API covers the full e-commerce delivery workflow: **1. Shipment Creation** Create a delivery order with sender information, recipient details, package description, weight, and dimensions. The API returns a waybill number and estimated delivery timeline. **2. Rate Calculation** Request a delivery quote before booking by providing the package weight, dimensions, origin location, and destination state. Returns the delivery cost and expected transit time. **3. Waybill Generation** Generate a printable waybill label for each shipment. Includes barcode for scanning at Kxpress sorting centers, sender/recipient details, and routing information. **4. Real-time Tracking** Track any shipment using its waybill number. Returns current status and location through the delivery network — from pickup through hub processing to final delivery. **5. Cash on Delivery** Kxpress riders and agents collect payment from recipients on behalf of merchants. COD amount is specified at booking time. Collected funds are settled to merchant accounts after delivery confirmation. **6. Multi-state Coverage** Unlike last-mile-only services, Konga Logistics provides genuine end-to-end delivery to all 36 states. The extensive Konga retail and distribution experience gives Kxpress deep operational knowledge of logistics across Nigeria's diverse geographic and infrastructure landscape. **Why Konga Logistics for Nigerian E-Commerce** Konga has operated in Nigerian e-commerce since 2012, building operational knowledge of Nigeria's unique delivery challenges: inconsistent addressing, limited postal infrastructure, cash-preference buyers, and the complexity of serving both dense urban areas and dispersed rural markets. Kxpress was built from this experience. Key advantages for Nigerian e-commerce businesses: 1. **Brand trust**: Nigerian consumers recognize the Konga brand, which can increase acceptance of Kxpress deliveries 2. **Nationwide reach**: True all-36-state delivery, not just Lagos-centric 3. **Cash on delivery**: Essential for Nigerian e-commerce where 60-70% of buyers still prefer COD 4. **Integration support**: Technical team experienced with e-commerce platform integration 5. **Return management**: Reverse logistics supported for e-commerce returns **Integration with E-Commerce Platforms** Konga Logistics has existing plugins for popular Nigerian e-commerce setups and provides REST API for custom integrations. The API workflow for an e-commerce order is: 1. Customer places order on merchant platform 2. Merchant system calls Konga Logistics rate API → gets price 3. Price shown to customer at checkout 4. On order confirmation: call Konga Logistics booking API → receive waybill 5. Waybill sent to merchant for physical package labeling 6. Kxpress agent picks up package from merchant location 7. Merchant system polls tracking or receives webhooks for status updates 8. Delivery confirmed → COD settlement initiated (if applicable) **Service Levels** - **Same-day (Lagos)**: Orders confirmed before cutoff time delivered same day - **Next-day**: Major cities outside Lagos (Abuja, Port Harcourt, Kano, Ibadan) - **2-5 days**: Secondary cities and rural areas in all 36 states - **Express**: Premium tier for time-sensitive deliveries **Pricing** Konga Logistics charges per shipment based on weight, dimensions, and destination zone. No monthly API subscription fee. Volume discounts available for high-shipment merchants. Contact Konga Logistics for a commercial pricing agreement. **Compliance and Account Setup** API access requires a Konga Logistics merchant account. Business registration (CAC) and contact verification are required. API credentials are provided after account approval. Sandbox environment available for development and testing. **Company Background** Konga was founded in 2012 by Sim Shagaya and was one of the first major Nigerian e-commerce platforms. After several years of rapid growth and investor backing (from Kinnevik and Naspers/Prosus), Konga was acquired by Zinox Technologies in 2018. Under Zinox's ownership, Konga has continued to operate as a major Nigerian e-commerce platform, and Kxpress has expanded its logistics capabilities. The Zinox-Konga combination gives Konga Logistics the backing of Nigeria's largest technology conglomerate. Konga Logistics is a natural choice for Nigerian merchants who want a nationally trusted courier brand with nationwide coverage, cash on delivery support, and an API-integrated workflow for e-commerce operations.

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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.

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Anchor API

Anchor API

Anchor is a Banking-as-a-Service (BaaS) and embedded finance platform headquartered in Lagos, Nigeria, purpose-built for African businesses and developers who want to launch financial products without building core banking infrastructure from scratch. Founded and Y Combinator-backed, Anchor has become one of Nigeria's most important fintech infrastructure companies — serving clients including Wema Bank, Mono, Squad, and SeamlessHR across SaaS, digital health, e-commerce, and enterprise sectors. At its core, Anchor provides a suite of RESTful APIs covering five major product pillars: Accounts, Payments, Cards, Credit, and Savings & Investment. Each pillar is designed to be modular — developers can adopt one or all, depending on what their product needs. This modularity makes Anchor equally suitable for a single-purpose wallet app and a full-scale neobank. **Accounts API** The Accounts API allows developers to create and manage deposit accounts, savings accounts, and virtual accounts for both individual and business customers. These accounts operate on Nigerian banking rails, giving end users real Nigerian bank account numbers that can receive NIP transfers from any bank in Nigeria. Developers can manage balances, retrieve transaction histories, and generate account statements programmatically. Sub-ledger and sub-account functionality is also available for platforms that need to manage multiple customer accounts within a single ledger system. **Payments API** Anchor's Payments API handles instant NIP bank transfers — the Nigerian Inter-Bank Settlement System standard for real-time money movement between Nigerian banks. The API supports single transfers, account-to-account transfers within the Anchor ecosystem, and bulk transfer operations for payroll, disbursements, or vendor payments. The Bill Payments module extends this further, enabling developers to integrate airtime top-up, mobile data purchases, cable TV subscriptions (DSTV, GOtv), and electricity prepaid token purchases directly into their applications using a single set of API endpoints. **Cards API** The Cards API enables businesses to issue both physical and virtual debit cards under their own brand. Virtual cards can be issued instantly for digital spending, while physical cards can be dispatched to cardholders via courier. Card controls — freezing, unfreezing, setting spend limits — are all available via API, giving product teams full programmatic control over the card lifecycle. **Credit API** For companies building lending products, Anchor's Credit API handles the full loan lifecycle: origination, disbursement, repayment scheduling, and delinquency tracking. Combined with the KYC/KYB customer verification capabilities, this makes it possible to build a complete loan origination system in Nigeria without needing separate infrastructure for identity, disbursement, and collections. **Savings & Investment API** Anchor allows developers to build savings products with customizable interest rates, lock periods, and contribution schedules. This is ideal for savings-focused fintech apps, target savings groups (like ajo/esusu), or employer benefit platforms that want to offer automated saving features. **Authentication & API Security** Anchor uses API key-based authentication with Bearer token delivery. API keys are created through the Anchor Dashboard under the Developers section and must have explicit permissions assigned at creation time — Anchor follows a least-privilege model where keys only access the endpoints you explicitly authorize. Developers are strongly encouraged to use environment variables rather than hardcoding API keys and to rotate keys on a regular schedule. Two environments are available: the Sandbox environment (api.sandbox.getanchor.co) for testing and the Live environment (api.getanchor.co) for production transactions. **Sandbox Environment** Anchor's sandbox environment is a full-fidelity replica of the production system. Developers can test account creation, simulate incoming payments, test transfers, trigger webhook events, and validate KYC flows without touching real money or real customer data. This makes it significantly easier to build and QA financial products before going live. **Compliance & CBN Regulation** Anchor is not itself a bank — it is a technology infrastructure provider. Banking services delivered through the platform are provided by CBN-licensed Nigerian partner banks, which means end users benefit from regulated deposit-taking and payment services. This structure allows Anchor's business customers to offer banking products under a compliance umbrella without obtaining their own banking or PSSP license from the CBN. For customer-facing products, Anchor handles individual KYC verification (identity, BVN, liveness checks) and business KYB verification (CAC registration, director identity, beneficial ownership) through its API. **Pricing** Anchor uses a custom, volume-based pricing model negotiated based on the type of financial products deployed and the transaction volumes involved. No publicly listed free tier or flat-rate pricing exists — businesses are encouraged to contact the sales team for a tailored quote. This model is typical for BaaS platforms where the pricing reflects the regulatory overhead and compliance infrastructure being provided. **Rate Limits** Specific rate limits are not publicly documented. Developers should contact Anchor support or consult the enterprise agreement for rate limit policies. **Challenges & Considerations for Nigerian Developers** One common challenge is that Anchor's platform is designed for businesses launching financial products — not individual developers experimenting for personal use. Getting full production access typically requires completing KYB verification with a registered Nigerian company (CAC registration) and meeting Anchor's partner onboarding requirements. The platform is not self-serve in the same way smaller payment gateways are. Additionally, pricing is not transparent, which can make budgeting difficult at the early exploration stage. However, for serious fintech builders, the depth of capabilities — especially card issuance and credit — is unmatched in the Nigerian BaaS market. **Frequently Asked Questions** Q: Can I use Anchor without a CBN banking license? A: Yes. Anchor's banking services are provided by CBN-licensed partner banks, so you do not need your own banking license to offer deposit accounts, transfers, or card products to your users. Q: Does Anchor support both individual and business customers? A: Yes. The API handles individual customer KYC and business KYB as separate flows with distinct verification requirements. Q: Is there a sandbox environment for testing? A: Yes — the sandbox at api.sandbox.getanchor.co has full feature parity with production, allowing you to simulate all transaction types. Q: Does Anchor support international transfers or foreign currency accounts? A: Anchor is primarily focused on Nigerian Naira (NGN) banking rails. International SWIFT transfers and multi-currency accounts are not currently supported. Q: Who are Anchor's partner banks? A: Anchor works with CBN-licensed Nigerian partner banks but does not publicly disclose all partner names. Contact the Anchor team for details relevant to your use case.

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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.

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SeerBit

SeerBit

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

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Remita

Remita

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

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Duplo

Duplo

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

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Monica Blockchain APIs

Monica Blockchain APIs

Monica provides blockchain node access and payment infrastructure for African fintech companies. The platform is new in 2025/2026 bringing institutional-grade blockchain APIs to African developers. Monica is building the future of blockchain infrastructure for Africa. The service directly supports African blockchain adoption.

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VelvPay

VelvPay

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

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Interswitch

Interswitch

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

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Kobo360 API

Kobo360 API

Kobo360 is a Nigerian-founded technology-enabled freight logistics platform that connects cargo owners (shippers) with a verified network of truck operators across Nigeria and West Africa. Backed by Y Combinator (W18) and enterprise investors including the International Finance Corporation (IFC) and Goldman Sachs, Kobo360 addresses one of Nigeria's most critical economic bottlenecks: the inefficiency of road freight for moving goods between manufacturers, distributors, and retailers. Through its API, businesses can programmatically book trucks, track cargo in real time, and integrate freight logistics into supply chain and ERP systems. **What Kobo360 Does** Kobo360 operates in the freight/trucking segment — moving large quantities of goods over long distances. This is fundamentally different from last-mile parcel couriers like GIG Logistics or Sendbox: - **Courier (GIG, Sendbox, Kwik)**: Small parcels, door-to-door, typically under 100kg, urban focus - **Freight (Kobo360)**: Large cargo loads, factory-to-warehouse or port-to-distributor, metric tonnes, long-haul routes **API Capabilities** **1. Truck Booking** Book a truck of the appropriate type for the cargo and route: - **Mini-truck (1-3 tonnes)**: FMCG case goods, beverages, consumer electronics - **Medium truck (3-7 tonnes)**: Bulk food items, building materials, industrial goods - **Articulated truck (20-30 tonnes)**: Containers, petroleum products, heavy machinery **2. Real-time GPS Cargo Tracking** Every Kobo360 truck is fitted with a GPS tracker (the company distributes tracking devices to drivers). The API returns real-time truck location, estimated arrival time at destination, and any route deviations. For cargo owners, this replaces the frustrating practice of calling drivers by phone to get location updates. **3. Driver Verification** Kobo360 vets all drivers before onboarding: driver's license verification, vehicle inspection, guarantor verification, and criminal background screening. The API guarantees that booked trucks are operated by verified, trained drivers — a significant improvement over the informal truck market where shipper-driver relationships are ad-hoc. **4. Digital Proof of Delivery** Drivers capture delivery confirmation digitally — recipient name, signature, GPS location, and timestamp — through the Kobo360 driver app. This data is available via API and eliminates disputes about whether goods were delivered. **5. Route Coverage** Key Kobo360 routes in Nigeria: - Lagos → Kano - Lagos → Abuja - Lagos → Onitsha / Port Harcourt - Apapa Port → Kano (container evacuation) - Cross-border: Nigeria → Ghana, Nigeria → Cameroon **6. Insurance Integration** Kobo360 includes cargo insurance as part of every trip, providing protection against theft, damage, and accidents. Insurance documentation is available through the API for cargo owner records. **How Developers Integrate Kobo360** Kobo360 provides a REST API with OAuth 2.0 authentication. After registering as a cargo owner and completing account verification: ``` POST https://api.kobo360.com/v1/trips/request Authorization: Bearer YOUR_TOKEN { "origin": "Apapa Port, Lagos", "destination": "Dawanau Market, Kano", "cargo_type": "dry_goods", "weight": 25000, "truck_type": "articulated" } ``` Returns available trucks with estimated prices, ETAs, and driver profiles. Confirm to book and receive a trip ID for tracking. **Nigerian Supply Chain Context** Nigeria's $25 billion logistics sector is dominated by road freight — railways are underdeveloped and air freight is cost-prohibitive for most goods. Key supply chain challenges that Kobo360 solves: 1. **Truck availability uncertainty**: Shippers historically spend days finding available trucks through broker networks 2. **No price transparency**: Freight rates were negotiated ad-hoc, often with large variance 3. **Cash advance culture**: Truck operators demanded cash advances before starting trips 4. **Zero visibility**: No tracking meant cargo owners had no information between loading and delivery 5. **Driver reliability**: Unvetted drivers created risks of theft, abandonment, and accidents Kobo360's digital platform and API eliminate all five pain points simultaneously. **Enterprise Clients** Kobo360's enterprise API is used by multinational and large Nigerian companies: - **Unilever Nigeria**: Distribution of consumer goods from Lagos factory to depot network - **Honeywell Flour Mills**: Flour distribution from mills to distributors nationwide - **Nestlé Nigeria**: Ingredients inbound and finished goods distribution - **Various FMCG companies**: Repeat high-volume distribution routes **Pricing** Per-trip pricing based on truck type, cargo weight, and route distance. No monthly subscription for API access. Enterprise cargo owners negotiate volume rates directly with Kobo360's commercial team. Trip costs are typically 15-25% lower than informal truck market rates due to Kobo360's operational efficiencies. **Compliance and Onboarding** API access requires: - Business registration (CAC) - Tax compliance documentation - Cargo insurance information - Credit evaluation for post-payment terms Kobo360 also supports pre-payment (wallet-funded trips) for businesses that prefer not to undergo credit evaluation. **Company Background** Kobo360 was founded in 2017 by Obi Ozor and Ife Oyedele. The company went through Y Combinator's Winter 2018 batch and has raised over $20 million from investors including IFC (World Bank Group), Goldman Sachs, and Alitheia IDF. Operations span Nigeria, Ghana, Uganda, and Kenya. Kobo360 has processed tens of thousands of trips and established itself as the technology leader in African road freight. The company's mission is to eliminate inefficiency in African logistics through technology. Kobo360 is the premier API choice for any Nigerian business that moves significant quantities of goods by road — transforming a historically informal, opaque logistics sector into a digitally managed, trackable, and reliable supply chain.

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Trip.com API

Trip.com API

Trip.com API is the developer access layer for Trip.com Group, one of the world's largest online travel companies operating global travel booking platforms across flights, hotels, trains, car rentals, and airport transfers. Founded in China as Ctrip, Trip.com Group has expanded into a global travel brand with particular strength across Asia-Pacific, the Middle East, and Europe, making its API especially valuable for Nigerian travel businesses serving the growing Nigerian outbound travel market to Asian and Middle Eastern destinations. Trip.com's flight booking capabilities cover routes from Nigerian airports to global destinations, with particularly comprehensive inventory for connections through Asian and Middle Eastern hub airports. For Nigerian business travelers routing through Dubai, Doha, Istanbul, or Addis Ababa to reach Asian destinations, Trip.com provides seamless multi-segment booking with competitive pricing from carriers that specialize in these routing patterns. Chinese carrier connections including Air China, China Eastern, and China Southern are particularly well-represented through Trip.com's direct airline relationships. Hotel inventory through Trip.com spans over 1.4 million hotels worldwide, with strong depth of coverage in Asian markets where Trip.com has operated for decades and has established preferred rate agreements with hotels from budget establishments to five-star resorts. Nigerian corporations with operations in China, Southeast Asia, or other Asian markets benefit from Trip.com's Asian hotel inventory which often provides rates unavailable through European or American OTA platforms. Train ticket booking is available for Chinese high-speed rail and other Asian rail networks, which is a distinctive capability compared to most international OTA platforms. For Nigerian business delegations and investors conducting business visits to China — a major trading partner for Nigeria — the ability to book domestic Chinese high-speed rail alongside international flights through a unified platform significantly simplifies complex China itineraries. Airport transfers at major destinations connect the air ticket with the last mile of travel, booking private cars, shared shuttles, or taxi services between airports and accommodation. This transfers capability enables Nigerian travel platforms to offer fully packaged trip logistics rather than leaving travelers to arrange their own ground transportation on arrival in unfamiliar international cities. Package deals combining flights and hotels at competitive bundled pricing leverage Trip.com's supplier relationships to offer pricing advantages over booking each component separately. For Nigerian leisure travelers booking international package holidays, particularly to Asian beach destinations like Bali, Phuket, and Maldives, Trip.com package pricing provides compelling value. The Trip.com partner API requires a formal partnership agreement. Nigerian travel technology companies that qualify can integrate Trip.com content as a complement to their existing travel APIs, particularly to strengthen the Asian and Middle Eastern destination coverage that may be weak in their current provider mix. The combination of flight, hotel, train, and transfer capabilities in a single platform integration significantly reduces development complexity for building comprehensive travel products. Trip.com Group's scale and global airline and hotel relationships position the platform as a strong content source for Nigerian travel platforms focused on Asian and Middle Eastern outbound markets. As Nigeria's trade and business relationships with China and Gulf states continue to grow, the demand for efficient travel products serving these routes will increase, making Trip.com API integration an increasingly strategic decision for Nigerian travel technology companies.

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GetYourGuide

GetYourGuide

GetYourGuide is the world leading platform for booking tours, activities, attractions, and experiences, connecting travelers with local operators offering everything from city walking tours and museum skip-the-line tickets to cooking classes, adventure sports, multi-day excursions, and unique cultural experiences. The GetYourGuide API gives approved affiliate partners programmatic access to this vast inventory of travel experiences, enabling travel applications and websites to monetize their audience through activity bookings alongside traditional flight and hotel offerings. The platform hosts over 100,000 activities and experiences across destinations worldwide, with particularly strong coverage in Europe, the Americas, Asia, and the Middle East. For Nigerian outbound travelers visiting international destinations, the GetYourGuide inventory provides access to curated local experiences that help transform a trip from simple destination arrival into genuine cultural immersion. Whether a Nigerian traveler visiting Rome wants to skip the queue at the Colosseum, a professional visiting London wants a Jack the Ripper evening walking tour, or a family in Dubai wants a desert safari, GetYourGuide covers the experience booking from discovery to confirmation. The activity search API allows querying for available experiences at any destination by date, category, language, and price range. Categories span art and culture, food and wine, outdoor activities, sports, transport and transfers, water sports, wellness, classes, and many other themes. For Nigerian travelers with diverse interests, the category filtering enables finding activities that align with personal preferences at any destination rather than defaulting to the most touristy generic options. Availability and pricing data is returned in real-time from operator systems, with activity options showing different tour times, group versus private tour options, and language availability. Many GetYourGuide activities offer both standard group tours at lower price points and private options for travelers willing to pay a premium for a dedicated guide and exclusive experience. Nigerian business travelers combining work trips with leisure activities often prefer private experiences that can be scheduled flexibly around meeting schedules. Booking management through the GetYourGuide affiliate API enables confirmed reservations for selected activities with immediate booking confirmation delivered to the traveler. The platform handles all operational logistics including directing travelers to the correct meeting point, providing vouchers for attraction entry, and managing communication with activity operators. This operational simplicity means Nigerian travelers do not need to navigate language barriers or local coordination when they arrive at the activity — the booking confirmation provides everything needed. The affiliate partnership model means Nigerian developers and travel businesses earn commission on every GetYourGuide booking generated through their platform. Commission rates vary by activity category and operator relationship but typically range from 8 to 10 percent of the booking value. For Nigerian travel blogs, destination guide apps, and OTA platforms with engaged audiences planning international travel, GetYourGuide affiliate integration adds a meaningful revenue stream alongside flight and hotel affiliate commissions. GetYourGuide provides dedicated partner support, affiliate dashboard tools for tracking conversions and commissions, and marketing creatives for promoting experiences. The partner program is relatively accessible compared to GDS and hotel bedbank partnerships, making it an approachable starting point for Nigerian travel businesses beginning their affiliate revenue journey.

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Vrbo (Vacation Rentals by Owner)

Vrbo (Vacation Rentals by Owner)

Vrbo (Vacation Rentals by Owner) is a leading vacation rental marketplace and booking platform owned by Expedia Group, connecting travelers with millions of privately owned properties worldwide for short-term holiday rentals. The Vrbo API provides travel developers and platforms with access to Vrbo's global property inventory, enabling applications to search for vacation rentals, check availability, and process bookings through the Expedia Group partner ecosystem. Unlike hotel booking platforms, Vrbo specializes in whole-property rentals — beach houses, mountain cabins, city apartments, and rural retreats where travelers can enjoy the privacy and space of a private home rather than a hotel room. This distinct accommodation type appeals to families, groups of friends, and extended stay travelers who need more space and kitchen facilities than a hotel provides. For Nigerian family travelers making international trips for vacations, reunions, or extended visits to diaspora communities, Vrbo's whole-property inventory provides accommodation options that hotels cannot match. The Vrbo property inventory spans vacation rental homes across North America, Europe, Australia, the Caribbean, Latin America, and increasingly other global destinations. Properties range from affordable apartments and townhouses to luxury villas with private pools, catering to the full spectrum of travel budgets and group sizes. For Nigerian travelers visiting destinations where the Nigerian diaspora is concentrated — the United Kingdom, the United States, Canada, and European cities — finding a comfortable private home through Vrbo can provide more authentic and comfortable accommodation than standard hotels. Property search through the Vrbo API supports filtering by destination, dates, number of bedrooms, number of bathrooms, maximum occupancy, amenities, and price range. The amenity filtering is particularly valuable for families with children who need specific features like a private pool, fenced yard, or crib, and for extended stays where having a full kitchen, laundry facilities, and living space is important for everyday comfort rather than just sleeping accommodation. Booking management through the API handles the full reservation flow from availability confirmation through payment processing and booking confirmation. Vrbo properties may require instant booking or may go through a host approval request process depending on the property owner's settings, and the API handles both workflows. Cancellation policies vary by property, ranging from flexible policies that offer full refunds up to a few days before check-in through strict non-refundable policies, and this information is included in property listings. For Nigerian travel agencies offering bespoke travel packages to international destinations, adding Vrbo vacation rental options alongside traditional hotel accommodation gives clients more choice and potentially better value for family or group travel. The API integration is available through the Expedia Group Partner Solutions program, which provides access to Vrbo inventory alongside other Expedia Group products through a unified partner relationship. Vrbo's whole-property model is increasingly appealing to Nigerian family and group travelers for whom a self-catering private home offers significant value advantages over booking multiple hotel rooms. For Nigerian extended families traveling together for milestone events like destination weddings and family reunions, a large vacation rental property provides shared communal space alongside private bedrooms, creating a fundamentally different and often more enjoyable group travel experience than dispersed hotel rooms.

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Citymapper

Citymapper

Citymapper is a globally popular urban navigation app and platform that provides detailed multi-modal transit routing for major cities worldwide, covering subway, metro, bus, tram, rail, cycling, walking, ride-hailing, and e-scooter transport options within a unified navigation interface. Citymapper's developer API gives approved partners access to the same routing intelligence that powers its acclaimed navigation app, enabling developers to integrate sophisticated city transit navigation into their own applications. The platform is particularly well-regarded for the depth of its transit data and the quality of its routing algorithms in complex urban environments. Citymapper integrates official GTFS (General Transit Feed Specification) data from transit authorities alongside real-time vehicle position data, service disruption alerts, and operator-reported delays to provide routing that reflects current conditions rather than theoretical schedules. For travelers navigating complex urban transit systems like the London Underground, New York City Subway, or Paris Metro, this real-time accuracy makes a material difference in journey reliability. Multi-modal routing is Citymapper's core technical strength. For any origin-destination pair within a supported city, the API can return routing options across all available transport modes, comparing journey times, transfer counts, and wait times. A traveler in London can see side-by-side options including the Tube, Overground, Elizabeth line, bus combinations, walking, cycling, or a mix of modes that minimizes journey time or effort. The API presents these alternatives in structured JSON format with full journey plan details including each step, boarding point, alighting point, and estimated timing. For Nigerian developers building applications that serve the substantial Nigerian diaspora population in London — the largest concentration of Nigerian diaspora globally — Citymapper API integration provides the transit navigation capability that Nigerian-built community, service, and lifestyle apps need to be genuinely useful to London-based Nigerian users. Similar diaspora communities in New York, Paris, and other major Citymapper-supported cities can be served with the same integration. Nigerian students heading to European universities for the first time face a steep learning curve with unfamiliar urban transit systems. Apps designed for Nigerian students studying abroad — covering accommodation, banking, and everyday life guidance — can integrate Citymapper to provide confident transit navigation from day one, removing one of the significant anxiety sources for students new to a major city. The cycling and e-mobility integration within Citymapper covers bike-share schemes, dock-based and dockless bikeshare, and e-scooter rental availability from operator APIs. For health-conscious and budget-conscious urban commuters including Nigerian diaspora members who want to integrate cycling into their daily commute, this alternative transport data provides options beyond standard public transit routing. While Citymapper currently focuses on major global cities and does not yet cover Lagos or other Nigerian cities, the platform's expansion history suggests that major African cities may come within scope as urban transport data availability improves across the continent. Nigerian municipal and state governments investing in digitizing Lagos's Bus Rapid Transit and other public transport systems would benefit from partnerships with mapping and navigation platforms like Citymapper to achieve maximum ridership and user adoption of formal transit services.

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Spotahome

Spotahome

Spotahome is a real estate platform specializing in verified mid-to-long term rental properties for individuals relocating internationally, particularly students and young professionals who need accommodation for stays ranging from one month to a year or more. The platform operates a unique model where professional home-checkers physically visit and document properties before they are listed, providing detailed photos, video tours, floor plans, and verified information that remote searchers can trust without visiting in person before committing. For the large and growing community of Nigerians studying abroad at European universities, Spotahome addresses one of the most stressful aspects of international study planning — securing verified, legitimate accommodation from thousands of miles away before arriving in an unfamiliar city. Traditional rental marketplaces require in-person viewings that are impossible from Nigeria, and many Nigerian students have experienced the fraud risk of paying deposits for properties that either do not exist or are significantly different from their online description. Spotahome's pre-verified listings with professional documentation reduce this risk significantly. The platform covers major European university cities including Madrid, Barcelona, London, Paris, Berlin, Lisbon, Rome, Milan, Amsterdam, and dozens of other cities where significant numbers of Nigerian students pursue undergraduate and postgraduate degrees. Coverage includes student halls, shared apartments, private studios, and entire flats, with filters for furnished versus unfurnished, bill-inclusive pricing, proximity to specific universities, and pet-friendly properties. Online booking functionality allows international tenants to reserve and pay the deposit for a Spotahome property without any in-person meeting, completing the entire accommodation search and commitment process digitally from Nigeria. The booking system handles digital signing of rental agreements, payment security, and communication with landlords on behalf of tenants. This fully digital workflow is what makes Spotahome particularly well-suited to the pre-departure planning that Nigerian students and relocating professionals need. Professional verification is the core trust mechanism. Spotahome staff visit each listed property before it goes live, capturing high-quality photos of every room, recording a video walkthrough, verifying the accuracy of the listing description, and confirming the amenities and facilities. This physical verification eliminates the misrepresentation that plagues unverified rental listings and gives Nigerian renters viewing properties from home confidence that what they see online accurately reflects what they will find on arrival. For Nigerian study abroad counselors, educational consultants, and university placement agencies, Spotahome API integration enables building accommodation search and booking features within study abroad service platforms. Rather than directing Nigerian students to navigate foreign language rental markets independently, these platforms can provide curated, verified accommodation options in the student's destination city as part of the complete study abroad preparation journey. Nigerian corporate mobility programs managing international assignments can use Spotahome for furnished mid-term accommodation for employees on three-to-twelve month placements, which is often more appropriate than hotels for extended stays. The furnished studio and one-bedroom options in major European business cities serve this use case well at prices significantly lower than extended hotel stays. The Spotahome API is available through a partner program for travel platforms, relocation services, and university accommodation portals that want to embed property search capabilities within their own applications. Integration documentation and partner onboarding support is available through the Spotahome partner portal.

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Woven Finance

Woven Finance

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

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Nomba API

Nomba API

Nomba is a Nigerian payment infrastructure company and CBN-licensed Payment Service Provider. Formerly known as Kudi, Nomba pivoted from a consumer-facing payment agent app to a comprehensive B2B payments infrastructure platform serving Nigerian businesses with APIs for checkout, virtual accounts, transfers, and POS terminal management. Nomba is backed by Stripe and significant venture capital, and powers millions of transactions daily across Nigeria's merchant and agent banking ecosystem. The Nomba API is RESTful with JSON payloads and uses OAuth2 for authentication. Developers can authenticate via two methods: the Client Credentials grant (server-to-server, for backend integrations) or the PKCE (Proof Key for Code Exchange) grant (for mobile and single-page app integrations where the secret cannot be safely stored). In both cases, an access_token is generated and passed in every API request as an Authorization: Bearer <token> header. API keys are retrieved from the Nomba business dashboard under Settings > API Keys. The Checkout API is the core product for accepting payments. Developers initialize a checkout session server-side by sending a POST request with the amount, currency (NGN), and a unique transaction reference. Nomba returns a hosted checkout URL that the developer redirects the customer to. The checkout supports card payments (Verve, Visa, Mastercard), USSD, and bank transfers. Nomba handles the entire payment experience on its hosted page — merchants do not need to build a custom checkout interface. For fund collection from specific customers, Nomba supports Virtual Accounts — unique bank account numbers assigned to individual customers or transactions. When a customer transfers any amount to their virtual account number, Nomba fires a webhook confirming the payment. This is ideal for Nigerian wallet top-ups, marketplace deposits, and savings apps where customers fund their balance via bank transfer. The Transfers API enables instant outbound bank transfers to any Nigerian bank account. Developers can send disbursements by specifying the destination bank code, account number, amount, and a unique transfer reference. Nomba executes the transfer via the Nigerian banking system. This is commonly used for payroll, agent commissions, loan disbursements, and refunds. Nomba also supports tokenized card flows — when a customer first pays with a card, Nomba can return a card authorization token that the merchant stores and uses for future charges without requiring the customer to re-enter card details. This enables installment plans, subscription-like products, and one-click repeat payments. For merchants with physical locations, Nomba provides a Terminals API that enables developers to build custom POS applications. Integrators can send payment requests to Nomba POS terminals, receive confirmation webhooks, and build merchant dashboards that pull transaction data from the terminal network. This is a unique capability that distinguishes Nomba from pure online payment gateways like Paystack or Flutterwave. Webhooks are available for all major events: payment success, payment failure, transfer completion, and virtual account credit. Developers must validate the webhook signature before processing events to ensure authenticity. The Nomba sandbox environment is available for all API products. Developers can test checkout, virtual accounts, and transfers without processing real money. Moving to live requires completing Nomba's business onboarding and CBN KYC verification. From a compliance standpoint, Nomba holds a CBN Payment Service Bank license and is licensed as a Payment Service Provider. All transactions are processed within the CBN regulatory framework. The platform is used by hundreds of thousands of Nigerian merchants, particularly small businesses, market traders, and logistics companies that use Nomba POS terminals. Frequently Asked Questions: How is Nomba different from Paystack? Paystack is primarily an online payment gateway. Nomba additionally offers POS terminal integration, agent banking infrastructure, and the Global Payout API for cross-border disbursements — making it more comprehensive for merchants with physical and digital presence. Is Nomba pricing public? Nomba does not publish exact API pricing. Contact the Nomba team for transaction fee schedules based on your volume and use case. Can I use Nomba for cross-border payments? The main Nomba API is for domestic Nigerian payments. For cross-border disbursements, use the separate Nomba Global Payout API which was launched in March 2026.

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Kwik Delivery

Kwik Delivery

Kwik Delivery is a Nigerian logistics startup that offers on-demand same-day and next-day delivery services in major Nigerian cities, primarily Lagos, with expanding operations in Abuja and Port Harcourt. Through its API, Kwik enables restaurants, pharmacies, grocery stores, e-commerce merchants, and service businesses to dispatch delivery riders programmatically — eliminating the need for businesses to manage their own fleet while providing fast, reliable delivery within urban areas. **What Kwik Delivery Does** Kwik focuses on intra-city delivery — the "last mile" from business to customer within a metropolitan area. This positions it differently from courier companies like GIG Logistics (which handles nationwide parcel delivery) or Kobo360 (freight): - **Speed**: Same-day, and often within 1-2 hours for nearby deliveries - **Flexibility**: On-demand dispatch (request a rider when you need one) - **Urban focus**: Optimized for Lagos's dense urban environment - **Category agnostic**: Food, pharmacy, groceries, e-commerce, documents, and other items **API Features** **1. Delivery Quote** Before creating an order, query the quote API with pickup and dropoff coordinates to receive a delivery estimate including price and estimated transit time. Shows the customer the cost before committing. **2. Order Dispatch** Create a delivery order with: - Pickup location (business address with GPS coordinates) - Recipient details (name, phone, address) - Package description and estimated weight - Cash on delivery amount (optional) Kwik automatically assigns the nearest available rider and returns a tracking reference. **3. Real-time Rider Tracking** Get live GPS coordinates of the assigned rider as they move from pickup to delivery. Display on a map in your customer-facing tracking UI to provide a delivery experience similar to Uber Eats or Bolt Food. **4. Order Status Webhooks** Register a webhook URL to receive push notifications at each stage: - Rider assigned - Rider at pickup location - Package picked up - En route to recipient - Delivered - Failed (recipient unavailable) **5. Cash on Delivery** Kwik riders collect payment from recipients on behalf of businesses. COD is reconciled and disbursed to the merchant's Kwik wallet periodically. **Lagos Delivery Context** Lagos is Africa's most congested megacity, with a population of 15+ million people across a metropolitan area where traffic can make a 5km journey take 45 minutes at peak hours. Kwik's rider fleet uses motorbikes — the most time-efficient transport for Lagos's traffic conditions. For food (restaurants need 30-60 minute delivery times to maintain quality) and pharmacy (urgent medication needs same-hour delivery), motorbike dispatch is the only viable last-mile option. Kwik Delivery competes in the same space as GoKada (motorcycle ride-sharing pivot), MAX Delivery, and Gokada's delivery service — all addressing the same Lagos last-mile gap with motorbike rider networks. **Use Cases by Business Type** **Restaurants and Food Businesses** Kwik is well-suited for restaurant delivery integration. When a customer places an order via a restaurant's app or website, the backend calls Kwik's API to dispatch a rider. The restaurant prepares the food while the rider is en route for pickup, minimizing wait time. Real-time tracking keeps the customer informed. This is used by Nigerian restaurants that want delivery capability without partnering exclusively with a food aggregator (Bolt Food, Chowdeck, Glovo). **Pharmacies** Nigerian pharmacies offering delivery for chronic medication refills, urgent prescriptions, or OTC drugs can use Kwik to dispatch same-hour delivery across Lagos. The API integration allows pharmacy management software to trigger delivery dispatch automatically when orders are confirmed. **E-Commerce Merchants** Lagos-based merchants selling fashion, electronics, beauty products, or household items who promise same-day delivery to Lagos customers can use Kwik to fulfill these promises. Same-day delivery converts at significantly higher rates than next-day for impulse or urgent purchases. **Document Courier** Law firms, banks, and corporate offices needing same-day internal document dispatch within Lagos (contracts, notarized documents, legal papers) can use Kwik as a professional, tracked alternative to informal dispatch riders. **Pricing** Kwik charges per delivery based on distance. No monthly subscription. Businesses pay for actual deliveries executed. Volume discounts for high-frequency users. Contact Kwik's enterprise team for custom pricing on high-volume dispatch. **Authentication** API key authentication with token provided after business account registration. Sandbox environment available for development. **Company Background** Kwik Delivery was founded in Lagos and has focused on building a reliable same-day delivery network in Nigeria's most demanding urban logistics market. The company has expanded its rider network and technology platform in response to growing e-commerce demand for fast delivery in Lagos. Kwik operates in the broader ecosystem of Nigerian urban logistics startups addressing the last-mile delivery gap that traditional courier companies (designed for nationwide parcel movement) are not optimized to fill. Kwik Delivery is the right API for Nigerian businesses that need fast, same-day urban delivery in Lagos — particularly for food, pharmacy, grocery, and time-sensitive e-commerce categories where delivery speed is a core product differentiator.

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Busha Commerce API

Busha Commerce API

Busha Commerce API is the developer platform for Busha, Nigeria's leading regulated cryptocurrency exchange founded in 2019. While global exchanges like Binance and Coinbase face regulatory friction and account restrictions in Nigeria, Busha operates as a Nigerian-registered entity, holds all required local licences, and is fully compliant with Nigerian financial regulations. This makes Busha the most trusted and legally reliable option for Nigerian businesses that want to accept cryptocurrency payments, provide crypto trading services, or build crypto-powered products for Nigerian users. The Busha Commerce API specifically targets Nigerian merchants and developers who need crypto payment acceptance with Nigerian Naira settlement. Nigeria's digital economy is growing rapidly, but Nigerian businesses face persistent challenges with conventional payment infrastructure: card declines on international transactions, Forex restrictions limiting dollar-denominated purchases, and high remittance fees. Cryptocurrency — particularly USDT (a stablecoin pegged to the US dollar) — has emerged as a practical alternative for Nigerians making and receiving international payments. Busha Commerce bridges the gap between crypto payments and the Nigerian Naira banking system, enabling merchants to accept crypto from customers anywhere in the world and receive NGN in their bank accounts. The payment workflow is straightforward. A Nigerian merchant creates a payment request via the API, specifying the amount in NGN or a crypto asset. Busha returns a payment address (or QR code) and a unique payment ID. The merchant displays this to the customer. When the customer sends crypto to that address, Busha detects the blockchain transaction, converts it to NGN at the current exchange rate (if NGN settlement is selected), and delivers a webhook notification to the merchant's server confirming the payment. The merchant can then fulfill the order knowing the NGN equivalent has been credited to their Busha balance. Exchange rate endpoints provide real-time NGN/BTC, NGN/ETH, and NGN/USDT rates based on Busha's live market rates. These rates reflect the actual rates at which Busha will settle payments — not third-party price data — ensuring Nigerian merchants display accurate expected payment amounts to their customers. The rates include Busha's exchange margin, so what the merchant sees is what they will receive. Webhook notifications are the backbone of the payment detection system. When a payment is received and confirmed on-chain, Busha sends an HTTP POST to the merchant's configured webhook URL with full payment details: amount paid, asset type, exchange rate applied, NGN value, and transaction status. The webhook payload is signed with a secret key so merchants can verify it genuinely came from Busha. This event-driven architecture means Nigerian merchant backends respond immediately to payments without polling. For Nigerian freelancers and service providers, Busha Commerce enables a particularly useful workflow: generate a shareable payment link for a specific invoice amount, send it to an international client, receive USDT payment from anywhere in the world, and settle to NGN via Busha's banking integration. This circumvents the delays and fees of international wire transfers and the restrictions that Nigerian bank accounts sometimes face on receiving foreign currency. The sandbox environment allows Nigerian developers to test the complete payment flow — creating test payment requests, simulating test payments, and receiving test webhook events — without using real cryptocurrency. This makes integration development safe and fast. Busha requires business KYC verification including CAC (Corporate Affairs Commission) registration documents for merchant accounts — consistent with Nigerian financial compliance requirements. API keys are generated after verification in the Busha developer dashboard.

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Eventbrite

Eventbrite

Eventbrite is a global event management and ticketing platform that provides developers with a comprehensive API for creating, managing, and selling tickets to events of all types. From concerts and conferences to workshops, sporting events, and community gatherings, Eventbrite handles the full ticketing lifecycle including event creation, attendee registration, payment processing, check-in management, and post-event analytics. The API enables developers to build full-featured event management applications that leverage Eventbrite infrastructure without building payment processing, ticket distribution, or attendee management systems from scratch. Nigerian event organizers, venue operators, and entertainment companies can use the API to integrate professional ticketing capabilities into their websites and mobile applications with minimal development overhead. Event creation through the API supports configuring all event parameters — title, description, date and time, venue location, event category, ticket types with separate pricing, availability limits, and registration questions. Multiple ticket tiers can be created for a single event including free registration tiers, early bird pricing, VIP packages, and group rates. This flexibility accommodates the complex ticketing structures used by Nigerian concerts, tech conferences like DevFest and PyCon Nigeria, and corporate events. For Nigerian concert promoters and entertainment companies, Eventbrite API integration allows publishing events directly from their own websites while using Eventbrite for payment processing and ticket delivery. Attendees purchase through the familiar Eventbrite interface and receive digital tickets that can be scanned at the venue door, eliminating the logistical challenges of managing physical ticket distribution. This ticketing-as-a-service model is particularly valuable for Nigerian promoters who lack in-house payment processing infrastructure. Event search and discovery endpoints allow applications to query Eventbrite for public events by location, category, date range, and keyword. Building an event discovery feature for a Nigerian city guide app or community platform is feasible using these search endpoints to surface upcoming public events near the user. This data is particularly rich for major Nigerian cities including Lagos, Abuja, Port Harcourt, and Kano where the Eventbrite event catalog contains substantial listings. Attendee management features enable event organizers to access registration lists, check in attendees, and track attendance rates. For Nigerian corporate event managers running training programs, company meetups, or client events, the attendee management API provides the data needed to track RSVPs, send pre-event communications, and manage on-site check-in through mobile scanning applications. Order and payment data access allows organizers to retrieve ticket sales reports, monitor real-time ticket sales velocity, and analyze registration trends leading up to the event. This sales intelligence helps Nigerian event organizers make informed decisions about marketing spend, venue capacity, and whether to open additional ticket tiers. Webhook support enables real-time notifications when new attendees register, payments are confirmed, or orders are modified. Nigerian event management applications can use webhooks to trigger automated confirmation emails, update CRM systems with attendee data, or adjust dynamic pricing based on remaining ticket inventory. The Eventbrite API is accessible with a developer account and supports OAuth 2.0 for user-authorized operations. The freemium model means the API is free to use, with Eventbrite collecting a service fee per ticket sold on paid events. For free events, the platform is completely free for organizers. This pricing model aligns well with the Nigerian event market where many community and tech events are free while paid entertainment events generate Eventbrite revenue that justifies the platform infrastructure investment.

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PayVessel Payments & Virtual Cards API

PayVessel Payments & Virtual Cards API

PayVessel Payments and Virtual Cards API is a Nigerian fintech infrastructure platform that provides a unified API covering payment collection, bank transfers, virtual accounts, virtual card issuance, identity verification, and credit scoring for Nigerian digital businesses. PayVessel consolidates multiple fintech building blocks into a single integration, enabling Nigerian startups and platforms to launch with comprehensive payment and financial infrastructure without stitching together multiple separate providers. Payment collection through PayVessel supports the primary Nigerian payment methods: card payments (Visa, Mastercard, Verve), bank transfers via virtual accounts, and mobile wallet payments. Merchants and platforms integrated with PayVessel can accept payments from Nigerian customers through any of these channels from a single API integration, ensuring that customers can pay using whichever method is most convenient or available to them without the merchant maintaining multiple payment gateway integrations. Dynamic virtual accounts are a core feature of PayVessel's collection infrastructure. A dynamic virtual account is a unique bank account number generated on demand for a specific payment transaction. When a customer is shown a dynamic virtual account number at checkout, any transfer made to that account number within a defined time window is matched to the specific transaction and triggers payment confirmation. Dynamic accounts solve the reconciliation problem of bank transfers — traditionally, matching a transfer received from an unknown sender to a specific order required manual matching; dynamic accounts automate this matching completely. Virtual USD cards issued through PayVessel enable Nigerian platform users to make USD-denominated online purchases, pay for international subscriptions, and receive USD payments through a virtual card with a US Mastercard number. For Nigerian users who need to access global digital services — cloud computing platforms, international software subscriptions, overseas supplier payments — a virtual USD card provides access without requiring a traditional domiciliary account or the foreign exchange procurement challenges associated with it. BVN (Bank Verification Number) verification through PayVessel enables platforms to verify that a customer's provided name and BVN match the records in the NIBSS database, confirming identity and banking status. NIN (National Identification Number) verification similarly validates identity against the NIMC database. For Nigerian lending platforms, savings apps, and investment platforms with regulatory Know Your Customer (KYC) requirements, BVN and NIN verification through PayVessel provides the identity confirmation layer needed for onboarding compliance. Credit scoring capabilities within PayVessel derive risk signals from customer transaction patterns, bank verification data, and behavioral indicators to produce credit scores that lending platforms can use for automated underwriting decisions. For Nigerian platforms offering buy-now-pay-later, micro-loans, or salary advances, an embedded credit scoring signal reduces the reliance on subjective human judgment in loan decisions and enables faster, more consistent approval workflows. Bulk transfer capabilities allow platforms to initiate large numbers of individual bank transfers in a single API request, enabling mass disbursement of funds — salary payments, affiliate commissions, vendor settlements, refund processing — without making individual API calls for each recipient. Nigerian HR platforms, marketplace operators, and financial services businesses that disburse to thousands of recipients regularly use bulk transfer APIs to complete disbursement cycles in minutes rather than hours of individual transaction processing. PayVessel provides a sandbox test environment where developers can simulate all API operations with test credentials before going live. The test environment produces realistic responses for successful and failed transaction scenarios, enabling thorough integration testing that validates edge case handling without affecting real bank accounts or processing real money during development.

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Thirdweb

Thirdweb

Thirdweb is a comprehensive Web3 development platform that provides the tools, infrastructure, and SDKs needed to build blockchain-powered applications — from wallet creation and smart contract deployment to NFT marketplaces, token launches, and backend transaction management. Unlike platforms that focus on a single aspect of Web3 development, Thirdweb covers the entire application stack: frontend wallet connection, smart contract deployment and interaction, backend wallet management, and payments. For Nigerian developers looking to build Web3 applications without needing years of blockchain expertise, Thirdweb dramatically lowers the barrier to entry. Nigeria's Web3 developer community is among the most active in Africa, with thousands of developers building NFT projects, DeFi tools, blockchain games, and tokenized platforms. The biggest challenge for Nigerian Web3 developers is not understanding the concepts — it is the steep learning curve of smart contract development, the complexity of wallet management, and the infrastructure required to support production dApps. Thirdweb abstracts all of this complexity into well-documented SDKs and APIs that work with familiar frameworks like React and Node.js. Embedded Wallets are Thirdweb's flagship feature for consumer applications. Instead of requiring users to have MetaMask or another browser wallet, Embedded Wallets create a Web3 wallet for any user who logs in with email, Google, Apple, or social accounts. The private key is secured in a distributed key management system and is recoverable via the same authentication method. For Nigerian consumer apps — e-commerce platforms with NFT loyalty rewards, games with on-chain items, content platforms with creator tokens — Embedded Wallets make Web3 accessible to users with no prior crypto experience. Smart contract deployment through Thirdweb's dashboard or SDK covers the most common contract types: ERC-20 tokens, ERC-721 NFT collections, ERC-1155 multi-edition tokens, Marketplace contracts (buy/sell/auction NFTs), Staking contracts, and more. These are audited, pre-built contracts that can be deployed in minutes from the dashboard — no Solidity knowledge required. For Nigerian project teams that want to launch an NFT collection or issue a utility token quickly, this eliminates weeks of smart contract development and security auditing. Account Abstraction (ERC-4337) support allows Nigerian developers to build gasless transaction flows where the application sponsors gas fees on behalf of users. This is transformative for user onboarding: a Nigerian user can interact with a blockchain application without ever buying cryptocurrency for gas fees. The application developer sponsors the gas, and users experience smooth, familiar web interactions rather than confusing wallet popups. Thirdweb Engine is a self-hosted or managed backend server that manages wallets and transactions at scale. For Nigerian applications that need to send thousands of transactions per day — airdropping tokens to users, minting NFTs on purchase, updating on-chain scores — Engine provides a reliable, queued transaction system with nonce management, retry logic, and webhook notifications. It eliminates the complex backend infrastructure that would otherwise be required for high-volume on-chain operations. The platform supports over 1,000 EVM chains, including Ethereum, BNB Chain, Polygon, Arbitrum, Base, and many others. Nigerian developers can build once and deploy to any chain without changing their application code. SDKs are available for TypeScript/JavaScript (React, React Native, Node.js), Python, Go, and Unity/Unreal for game development. The free tier is generous: 1,000 monthly active wallets and full access to smart contract tools, making it suitable for Nigerian projects in early stages and hackathons without any upfront cost.

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Travu Africa

Travu Africa

Travu Africa is a Nigerian-focused travel booking API and platform that provides flight and bus booking capabilities specifically tailored for the African travel market. As a homegrown travel technology solution, Travu Africa understands the unique requirements of Nigerian travelers and travel businesses — local carrier relationships, Nigeria-specific payment methods, domestic route coverage, and the affordability-focused pricing that characterizes Nigerian travel demand. The platform was built to address a gap in the Nigerian travel technology market: while global GDS systems provide excellent international content, local carriers and bus companies have historically been difficult to integrate through standard travel API channels. Travu Africa fills this gap by building direct connections with Nigerian airlines and intercity bus operators, providing a unified API that covers both air and ground transportation within Nigeria. Domestic flight coverage is a core strength of Travu Africa. The API provides real-time availability and pricing for Nigerian carrier flights operated by Air Peace, Ibom Air, United Nigeria Airlines, Overland Airways, and other domestic operators. Routes between Lagos, Abuja, Kano, Port Harcourt, Enugu, Benin City, Calabar, Akure, Jos, Asaba, and other domestic airports are covered. For Nigerian travel agencies and booking platforms serving the large domestic travel market, direct airline connectivity through Travu Africa provides more reliable data than attempting to access local carrier inventory through global GDS channels where Nigerian domestic content is often incomplete. Bus booking integration sets Travu Africa apart from pure flight booking APIs. Nigeria's intercity bus market is enormous, with millions of Nigerians traveling between cities by road on services provided by companies like ABC Transport, God is Good Motors, Cross Country, Peace Mass Transit, and many others. Integrating bus booking alongside flight booking in a single API enables Nigerian travel platforms to serve travelers who prefer or need ground transportation options alongside air travel, particularly for routes where price-sensitive passengers find bus travel more economical. The booking workflow handles the full reservation process — search, pricing, passenger data entry, payment processing, and confirmation — with booking references usable for travel validation at departure points. The system supports common payment methods preferred by Nigerian users including card payments and where applicable, bank transfer options integrated with Nigerian payment gateways. Real-time seat availability prevents overbooking and ensures that confirmed reservations are honored by carriers. The system connects to live carrier inventory rather than cached data, ensuring that search results and confirmed bookings reflect actual available capacity. This real-time connectivity is essential for maintaining customer trust in the booking platform. For Nigerian travel startups building OTA products, the Travu Africa API provides a faster path to market for Nigerian domestic travel compared to integrating global GDS systems that may require lengthy commercial negotiations. The freemium model and Nigerian-market focus enable local developers to build and launch travel booking products serving the domestic Nigerian market efficiently, with expansion to international content possible as the platform grows. For Nigerian entrepreneurs considering entry into the travel technology space, Travu Africa represents a locally-built solution that understands the specific challenges of Nigerian travel technology — from unreliable connectivity requiring robust error handling and offline capability to Nigerian payment preferences and the importance of WhatsApp-based customer service that Nigerian travelers expect. This local context understanding makes Travu Africa a meaningful alternative to global travel technology platforms that were not designed with the African market in mind.

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Provab

Provab

Provab Technosoft is an India-based travel technology company that provides B2B travel portal solutions and APIs to travel agencies and OTAs worldwide, with a significant presence in African markets including Nigeria. Provab offers a full-stack travel technology platform covering flight, hotel, car rental, and tour booking with both white-label portal products and raw API access that can be integrated into custom travel applications. The Provab B2B travel portal platform enables Nigerian travel agencies to offer online booking capabilities to their corporate and individual clients through branded web portals. The platform connects to GDS systems for flight content, hotel bedbanks for accommodation inventory, and tour operator systems for package holiday products. Travel agents can manage bookings, generate quotations, process payments, and access reporting through the back-office management interface, significantly reducing the administrative overhead of running a travel agency compared to manual processes. Flight booking through Provab connects to Amadeus, Sabre, and Travelport GDS systems, providing access to international airline content for routes from Nigerian gateways. The flight module handles search, pricing, booking, ticketing, and post-booking management for both domestic Nigerian routes and international itineraries. Multiple fare classes, fare rules, and ancillary service options are presented to agents making bookings on behalf of clients. Hotel content through Provab covers global accommodation inventory from both GDS hotel content and specialized hotel bedbank suppliers. Nigerian travel agencies arranging international trips for corporate clients benefit from competitive hotel rates available through Provab's wholesale supplier agreements. The hotel module supports pre-bookable rooms with and without meals, instant confirmation, and cancellation handling. Package holiday creation tools allow Nigerian tour operators to combine flights, hotels, transfers, and activities into custom holiday packages with bundled pricing. The package quotation system generates professional proposals for clients, supporting the consultative selling approach used by Nigerian full-service travel agencies for high-value leisure and MICE (Meetings, Incentives, Conferences, and Exhibitions) travel. The API integration path enables Nigerian technology companies and travel aggregators to access Provab's travel content and booking capabilities within their own custom applications. The API documentation covers search, pricing, booking, and management operations, with integration support available from Provab's technical team. This flexibility supports a range of integration scenarios from simple flight search widgets embedded in Nigerian business websites to fully custom travel booking applications. Provab has worked with African travel businesses across multiple countries and has adapted its platform to address African-specific requirements including multi-currency pricing with relevant African currency support, payment gateway integrations compatible with African payment methods, and user experience considerations for African markets. This regional experience makes Provab a relevant technology partner for Nigerian travel businesses evaluating B2B travel technology solutions that understand the African market context. The platform has evolved to serve not just travel agencies but also corporate travel managers, MICE (Meetings, Incentives, Conferences, and Exhibitions) operators, and travel technology companies building custom tools for the Nigerian market. With Nigeria's corporate travel sector growing as more multinationals establish Nigerian operations and Nigerian companies expand internationally, platforms like Provab that understand both global inventory requirements and African market nuances are well-positioned to serve the expanding professional travel technology market.

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FlightsLogic

FlightsLogic

FlightsLogic is a travel technology company that provides flight booking APIs and white-label travel portal solutions specifically designed for travel agencies and OTAs looking to build custom flight booking products. Positioned as a technology enabler for businesses that want to own their customer booking experience rather than redirecting to third-party booking sites, FlightsLogic offers direct API access to GDS flight content with the flexibility to build fully branded booking interfaces. The FlightsLogic platform connects to major GDS systems to provide real-time flight availability and pricing across hundreds of airlines on global routes. This GDS connectivity gives developers access to the full breadth of international airline content including all major carriers serving Nigerian routes — Emirates, British Airways, Turkish Airlines, Air France, Lufthansa, Qatar Airways, and others operating from Lagos and Abuja to European, Middle Eastern, North American, and Asian destinations. Flight search capabilities support both simple round-trip and one-way searches and complex multi-city itineraries required for international business travel routing. The pricing engine returns fares with complete breakdown including base fare, all applicable taxes, and airport and carrier surcharges — the total cost transparency that Nigerian corporate travel managers require when booking trips for employees. Fare rules covering refundability, change fees, and advance purchase requirements are included in the pricing response. Nigerian domestic routes are covered through connections to Nigerian carrier systems, providing flight data for Air Peace, Ibom Air, United Nigeria Airlines, and other operators serving routes between Lagos, Abuja, Kano, Port Harcourt, Enugu, Benin, Calabar, and other Nigerian cities. For travel agencies serving both domestic and international travel needs, a single FlightsLogic integration provides content for the full range of flight products their customers need. Booking workflow support includes seat selection, special service request submission for dietary preferences and wheelchair assistance, baggage allowance information, and check-in deadline details. Post-booking management covers cancellation processing within applicable fare rules, rebooking on alternative dates, and modification of passenger details where permitted. The complete booking lifecycle in a single API integration reduces the need for manual agent intervention in routine booking workflows. The white-label portal option addresses the needs of Nigerian travel businesses that want to launch an online booking capability quickly without building a custom front-end application. FlightsLogic provides configurable portal templates that can be branded with the travel agency's identity, integrated with a payment gateway, and deployed to serve online customers. The portal includes back-office booking management tools, report generation, and customer management features. FlightsLogic provides technical support during integration and ongoing operational support for production deployments. The company has worked with travel businesses in Africa and understands the specific requirements of the Nigerian market. The freemium pricing model allows Nigerian travel agencies to explore the platform capabilities before entering into a commercial agreement for production deployment. Nigerian corporate travel managers using FlightsLogic-powered systems benefit from policy controls that restrict bookings to pre-approved fare classes, carrier preferences, and price caps, ensuring employee travel stays within company travel policy. The reporting capabilities enable monthly travel expenditure analysis, identifying cost optimization opportunities and providing the data needed for vendor negotiation. FlightsLogic's combination of global GDS content, Nigerian domestic carrier coverage, and business management tools makes it a comprehensive choice for Nigerian travel businesses at various scales.

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Trawex

Trawex

Trawex is a travel technology solutions company that provides a comprehensive travel portal development platform and API suite designed for travel agencies, OTAs, and tour operators looking to build fully functional travel booking systems. Unlike pure API providers, Trawex offers both white-label travel portal solutions and raw API access to flight, hotel, car rental, and tour booking capabilities, making it a flexible choice for Nigerian travel businesses at different stages of technical maturity. The Trawex platform aggregates travel content from multiple GDS systems including Amadeus, Sabre, and Travelport alongside low-cost carrier direct connections, hotel bedbanks, and activity providers. This multi-source aggregation means Nigerian travel agencies accessing Trawex benefit from consolidated inventory without managing separate API relationships with each content provider. The platform normalizes content from these disparate sources into a consistent interface that simplifies the booking workflow for both developers and travel agents. Flight booking capabilities cover domestic Nigerian routes from carriers including Air Peace, Ibom Air, and United Nigeria Airlines alongside international connections from Lagos and Abuja to global destinations. The system handles complex international itineraries with multiple segments, connection time validation, and fare combination rules. PNR creation, ticketing, and post-booking management including cancellation and rebooking are handled through the API booking workflow. Hotel booking through Trawex provides access to a large global hotel inventory spanning major international chains and independent properties, with competitive B2B rates through Trawex's supplier agreements. Nigerian travel agencies can offer their clients hotel options at international destinations with rates that compete with consumer booking platforms, maintaining their relevance as professional travel service providers. The white-label travel portal product allows Nigerian travel businesses with limited development resources to launch complete booking websites using Trawex technology without custom development. The portal comes preconfigured with flight, hotel, and package booking modules, payment gateway integration, back-office booking management, and customer-facing website templates. This rapid deployment option is particularly valuable for smaller Nigerian travel agencies looking to establish an online booking presence quickly. Car rental and tour package modules extend the platform beyond flights and hotels to complete travel product coverage. Tour operators building package holidays to popular African and international destinations can use Trawex to create, price, and sell custom tour packages through the API or white-label portal. This is relevant for Nigerian tour operators running packages to destinations like South Africa, Kenya, Zanzibar, Egypt, and Dubai that are popular among Nigerian leisure travelers. Trawex provides API documentation, integration support, and dedicated account management for travel technology partners. The company has experience working with African travel businesses and understands the specific requirements of the Nigerian travel market including payment method preferences, popular destination routes, and pricing considerations for price-sensitive Nigerian travelers. The freemium model allows Nigerian businesses to explore and test the platform before committing to commercial terms. For Nigerian travel businesses making technology decisions, Trawex offers a practical combination of white-label portal speed-to-market with API flexibility for custom development. The ability to start with the white-label portal to validate the market opportunity and then progressively customize through the API as the business grows provides a risk-managed approach to travel technology investment that suits Nigerian travel entrepreneurs operating with limited initial capital.

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Sequence

Sequence

Sequence is a comprehensive Web3 infrastructure platform specifically designed for games and consumer applications, providing smart wallet technology, NFT tools, marketplace infrastructure, fiat on-ramps, and a multi-chain indexer under one unified platform. Where general-purpose Web3 tools like Thirdweb focus broadly on developer experience, Sequence goes deep on the gaming and consumer use case — with Unity and Unreal Engine SDKs, in-game marketplace contracts, and player-friendly onboarding flows that hide crypto complexity entirely from end users. For Nigerian game developers and NFT platforms, Sequence solves the most critical problem in Web3 consumer adoption: friction. The Nigerian gaming market is large and mobile-first, with millions of players who have smartphones but no crypto wallets, no understanding of gas fees, and no interest in learning blockchain concepts just to play a game. Sequence's embedded smart wallet eliminates every barrier: players sign in with email or Google, receive a wallet automatically, and play the game. The crypto infrastructure is entirely invisible until the player chooses to withdraw or trade their earned assets. The Sequence Smart Wallet is a smart contract wallet (built on ERC-4337 account abstraction) that is created for every new user automatically. Unlike externally owned accounts (EOAs) like MetaMask, smart contract wallets support gasless transactions (the game developer sponsors gas), social recovery (the user can recover their wallet via email if they lose access), and batched transactions (multiple operations in one transaction). For Nigerian game studios, sponsoring gas fees for players is a business decision similar to offering free shipping — it removes a barrier that would otherwise prevent most users from engaging. The Embedded Marketplace allows Nigerian NFT platforms and games to deploy their own branded marketplace — for buying, selling, and auctioning NFTs — without building marketplace smart contracts from scratch. The marketplace supports fixed-price listings, Dutch auctions, and offer-based trading across any NFT collection. It is deeply integrated with the Sequence wallet, so a player who earns an NFT in-game can immediately list it for sale in the game's marketplace without leaving the application. The NFT Minting API allows Nigerian developers to mint NFTs programmatically via API calls — no smart contract interaction required from the application layer. When a player achieves a milestone or makes a purchase, the game server calls the Sequence Minting API with the player's wallet address and the token metadata, and the NFT is minted on-chain. This server-side minting model is far simpler than requiring the player to initiate a blockchain transaction. The Fiat On-Ramp integration enables players to purchase cryptocurrency or in-game tokens directly with a debit/credit card through the Sequence interface. For Nigerian players who want to buy in-game items without managing a separate crypto exchange account, this is the most convenient entry point. Card payment support for Nigerian Verve and Visa cards (subject to issuer restrictions) broadens the addressable market for Nigerian Web3 games. The Multi-Chain Indexer is a high-performance API for querying token balances, NFT ownership, and transaction history across Ethereum, Polygon, BNB Chain, Arbitrum, and other chains. It indexes data much faster than querying blockchain nodes directly and provides a consistent API structure regardless of chain. Nigerian game backends can use the indexer to check a player's on-chain inventory, verify NFT ownership before granting in-game benefits, and display portfolio values. The free tier and affordable Growth plan ($149/month) make Sequence viable for Nigerian indie game studios and startups in early stages, with clear upgrade paths as player counts grow.

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Square API

Square API

Square API is a comprehensive payment and commerce platform API from Square, Inc. (now Block, Inc.) that enables developers to build custom point-of-sale applications, online payment flows, inventory management systems, subscription billing, and retail commerce solutions. Square provides a deeply integrated suite of commerce APIs covering payments, orders, inventory, customer management, loyalty programs, and employee management that work together to provide a complete retail and services business management platform. IMPORTANT NOTE FOR NIGERIAN DEVELOPERS: Square does not currently operate in Nigeria and does not support Nigerian merchants registering for Square accounts, processing NGN transactions, or receiving settlements to Nigerian bank accounts. Square operates in the United States, Canada, United Kingdom, Australia, Japan, France, Spain, and Ireland only. Nigerian businesses looking for equivalent payment processing capabilities should use Nigerian-licensed alternatives such as Paystack, Flutterwave, Monnify, or Kora. Despite not supporting Nigeria directly, Square API is documented here for several relevant reasons. First, Nigerian tech professionals working for international companies, remote contractors, and developers building products for non-Nigerian markets frequently work with Square. Second, Nigerian developers building applications for clients in Square-supported markets need API documentation to understand the integration requirements. Third, the architectural patterns used by Square — particularly their Payments API, Web Payments SDK, and order management system — are studied by Nigerian developers learning payment system design. The Square Payments API processes card-not-present payments through the Web Payments SDK (a JavaScript library that renders a PCI-compliant card entry form in web browsers) and the In-App Payments SDK (for iOS and Android native apps). These SDKs handle card data capture and tokenization in the browser or app, then pass a payment token to the backend which makes a charge call to the Square Payments API without sensitive card data ever touching the developer's servers. This architecture demonstrates PCI compliance best practices relevant to payment developers globally. Square Orders API provides comprehensive order lifecycle management: creating orders with line items, modifiers, and taxes, updating order status, applying discounts, processing partial fulfillments, and attaching payments to orders. This orders-centric model — where payments fulfill orders rather than existing independently — is architecturally different from many payment APIs and represents a more complete retail commerce model that connects inventory, pricing, and payment into a unified order record. Square Inventory API tracks product stock levels across multiple locations, providing real-time inventory counts, adjustment tracking, and low-stock alerting. For developers building multi-location retail management systems in Square-supported markets, the inventory API enables the stock synchronization between physical and online sales channels that prevents overselling and allows accurate availability display. Square Subscriptions API handles recurring billing, creating subscription plans with billing cadences, trial periods, and pricing tiers, and automatically charging customers on schedule. Subscription webhooks notify the integrating application of billing events, failed payments, and subscription status changes. This recurring billing infrastructure is used by subscription box services, membership businesses, and SaaS products operating in Square markets. Square Loyalty API builds customer loyalty programs directly into the payment flow, automatically awarding points on eligible purchases, tracking redemption history, and applying loyalty discounts at checkout. For businesses in Square-supported markets wanting to reward repeat customers without separate loyalty program infrastructure, the integrated loyalty system captures purchase data automatically through the normal payment flow. Nigerian developers can access Square's sandbox environment freely for learning and testing purposes, using test credentials to exercise all API endpoints without processing real payments.

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OPay

OPay

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

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RexPay (Global Accelerex)

RexPay (Global Accelerex)

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

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eTranzact

eTranzact

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

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CBI Monie

CBI Monie

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

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Monnify

Monnify

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

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Squad

Squad

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

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Fincra

Fincra

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

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Paystack API

Paystack API

Paystack is Nigeria's most widely adopted payment gateway API and is a subsidiary of Stripe, the global payments infrastructure company that acquired Paystack in 2020. Founded in 2015 by Shola Akinlade and Ezra Olubi, Paystack was part of Y Combinator's 2016 batch and quickly became the default payment choice for Nigerian developers and businesses. The company is CBN-licensed and PCI-DSS compliant, and currently serves thousands of businesses across Nigeria, Ghana, South Africa, and Kenya. The Paystack API is RESTful and uses Bearer Token authentication. Every request must include an Authorization header with the format: Authorization: Bearer sk_live_xxxx (for production) or Authorization: Bearer sk_test_xxxx (for sandbox). API keys are obtained from the Paystack dashboard at dashboard.paystack.com. Paystack provides both public keys (used in client-side code to initialize the checkout) and secret keys (used server-side for all API calls). Developers must never expose the secret key in client-side code. The standard Paystack integration flow involves three steps: initialize a transaction server-side using the /transaction/initialize endpoint (passing email, amount in kobo, and optional metadata), redirect the user to the returned authorization URL or embed the Paystack inline popup using the JavaScript SDK, then verify the transaction on your server using /transaction/verify/:reference after the customer is redirected back. This three-step flow ensures transactions are validated server-side before fulfilling orders, preventing fraud and order manipulation. Paystack supports the widest range of payment channels of any Nigerian gateway: Verve, Visa, and Mastercard debit cards; bank transfer (pay by transfer); USSD (for customers without smartphones); mobile money (in Ghana); and QR code payments. The Paystack Checkout modal intelligently displays only the channels available for the customer's device and location. In terms of pricing, local card transactions cost 1.5% plus ₦100, capped at ₦2,000 per transaction. The ₦100 flat fee is waived for transactions of ₦2,500 or less. This means very small transactions (micro-payments) are effectively charged at 1.5% only. International card transactions cost 3.9% plus ₦100, with no cap. Bank transfers (receiving payments via bank account) are charged flat: ₦10 for amounts up to ₦5,000; ₦25 for ₦5,001 to ₦50,000; and ₦50 for amounts above ₦50,000. Outgoing transfers (disbursements) are: ₦10 for ₦0–₦5,000; ₦25 for ₦5,001–₦50,000; ₦50 for above ₦50,000. There are no setup fees and no monthly platform fees. Businesses processing more than ₦10 million per month are eligible for volume-based discounts by contacting Paystack enterprise support. The Paystack sandbox environment mirrors production exactly — all features available in live mode are available in test mode. This is a critical advantage for Nigerian developers who need to test subscription billing, split payments, and bulk transfers without using real money. Test mode uses test card numbers provided in the Paystack documentation and simulates bank transfer payments via a confirmation prompt. Paystack also provides a Subscriptions API that allows developers to create subscription plans with daily, weekly, monthly, or annual billing cycles. When a customer first pays, a subscription authorization token is generated and stored securely by Paystack. Subsequent charges happen automatically without requiring the customer to re-enter card details. This is the foundation for building SaaS billing, membership platforms, and digital subscription products in Nigeria. The Split Payments (multi-split) feature allows marketplace operators to automatically split collected revenue between multiple subaccounts at the time of transaction — specifying percentages or flat amounts for each recipient. This is commonly used by Nigerian food delivery platforms, logistics aggregators, and gig economy apps. The Bulk Transfers API enables disbursement to hundreds of Nigerian bank accounts in a single API call by submitting a list of transfer recipients. This is used for payroll, agent commissions, loan disbursements, and customer refunds. From a compliance standpoint, Paystack is PCI-DSS Level 1 certified — the highest level of payment card security certification. All card data is encrypted and processed on Paystack's infrastructure. Merchants are not required to be PCI-DSS certified themselves. Paystack operates under CBN supervision and complies with the Nigerian Data Protection Regulation (NDPR). Webhook events from Paystack must be validated using the HMAC-SHA512 signature sent in the X-Paystack-Signature header. Developers should validate this signature before processing any webhook event. Paystack retries failed webhooks for up to 72 hours. Known challenges for Nigerian developers: (1) International card transactions have no cap on the 3.9% fee — high-value international payments can be expensive. (2) Bank transfer payments can take up to 30 minutes during bank downtime, so developers must handle pending states gracefully. (3) BVN and NIN verification are not built into Paystack directly — these require Dojah or Smile Identity as a separate integration. Frequently Asked Questions: Can I use Paystack without a registered business? Yes — individuals can create a starter account and start accepting payments. However, you will need to provide CAC documents to unlock higher transaction limits and settlements. Does Paystack support USD payments? Paystack processes international cards in USD, but settlements are in NGN after conversion. USD settlement is available only for Paystack International accounts. Can I process recurring payments automatically? Yes — use the Subscriptions API to save a customer authorization token and charge them on any schedule automatically. Is the test environment exactly like production? Yes — Paystack test mode has full feature parity with live mode, including subscriptions, splits, and bulk transfers.

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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.

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Kuda Open API

Kuda Open API

Kuda Open API is the developer platform of Kuda Bank — Nigeria's first fully mobile-only bank, licensed by the Central Bank of Nigeria (CBN). Launched to enable businesses to embed banking infrastructure directly into their products, the Kuda Open API provides access to real Nigerian bank account infrastructure, NIP-powered instant transfers, dynamic virtual accounts, bill payments, and instant settlement capabilities — all through a clean RESTful API backed by one of Nigeria's most trusted and innovative financial institutions. Kuda Bank was founded in 2019 by Babs Ogundeyi and Musty Mustapha, and quickly grew into one of Nigeria's most popular neobanks, with millions of individual users. In 2022–2023, Kuda expanded its infrastructure to businesses through the Open API program, enabling companies to build financial products on top of its licensed banking rails — without needing their own CBN banking license. **What the Kuda Open API Does** The API is designed for businesses that need to move money programmatically within Nigeria. Key capabilities include: - **Bank Transfers**: Send NGN to any Nigerian bank account through the NIP (Nigeria Interbank Payment) system. Available as single transfers or bulk transfer batches, making it ideal for payroll, vendor payments, and mass disbursements. - **Dynamic Virtual Accounts**: Create unique Nigerian bank account numbers (tied to your Kuda business account) that customers can pay to. Payments trigger instant webhook notifications, enabling real-time payment confirmation without manual reconciliation. - **Single-use Account Numbers**: Generate one-time account numbers for specific payment purposes, reducing fraud and simplifying payment attribution. - **Instant Settlement**: Funds received can be settled in near real-time at 0.3% of the transaction value, capped at ₦100 — providing faster cash flow compared to traditional payment cycles. - **Account Verification**: Verify that a bank account name matches the account number before initiating a transfer — a critical fraud-prevention step for Nigerian fintech applications. - **Transaction History & Balances**: Query account balances and full transaction histories programmatically — essential for reconciliation, reporting, and financial dashboards. - **Bill Payments**: Purchase airtime, mobile data, cable TV subscriptions (DSTV, GOtv, Startimes), and electricity prepaid tokens via API, with commission opportunities on each transaction. **Authentication** The Kuda Open API uses API key authentication. Developers register on the Kuda Developer Portal (developer.kuda.com), complete business verification, and receive an API key that is passed as a Bearer token in the Authorization header of all API requests. The sandbox environment is accessible immediately after registration, with production access unlocked after KYB (Know Your Business) verification. **Sandbox Environment** Kuda provides a full sandbox environment that replicates all production capabilities. Developers can test transfers, create virtual accounts, simulate incoming payments, trigger webhook events, and validate account verification flows without moving real money. This makes it safe to develop and test integrations before going live. **Pricing** Kuda's pricing model is flat-fee per transaction — not percentage-based — which is a significant advantage for high-value transactions: - Transfers of ₦0–₦10,000: ₦12 per transaction - Transfers of ₦10,001–₦100,000: ₦10 per transaction - Transfers of ₦100,001–₦400,000: ₦9 per transaction - Transfers above ₦400,001: ₦7 per transaction - Instant settlement: 0.3% of transaction value, capped at ₦100 - Virtual account fee: 0.1% of transaction value (approximately) - No hidden fees — the listed prices are the final prices paid. This flat-fee structure means that a ₦1,000,000 transfer costs exactly ₦7, compared to percentage-based gateways that might charge ₦15,000 for the same transaction. **Nigeria Access & Requirements** To access production APIs, businesses must complete KYB (Know Your Business) verification, which requires: a CAC Certificate of Incorporation or Business Name Registration, BVN and government-issued ID for directors, and an active Nigerian business bank account. Sandbox access requires only registration — no documents needed. **Compliance & Regulatory Standing** Kuda Bank holds a Microfinance Bank licence from the CBN. The Open API inherits this regulatory standing, meaning virtual accounts and transfers executed through the API are backed by a licensed Nigerian financial institution. This is a significant compliance advantage for fintech builders who need to demonstrate regulated banking infrastructure to enterprise clients or regulators. **Challenges & Considerations** While Kuda's pricing model is excellent for high-value transfers, the ₦12 flat fee per low-value transfer can be proportionally high for very small transactions (e.g., ₦12 fee on a ₦100 transfer = 12%). Card payment acceptance is not currently part of the Open API — businesses needing card-based collection still require an additional payment gateway like Paystack or Flutterwave. International transfers and multi-currency account support are also not available. **Frequently Asked Questions** Q: Do I need a CBN license to use the Kuda Open API? A: No. Kuda's CBN Microfinance Bank license covers the banking infrastructure, so your business can offer account and transfer products without obtaining a separate license. Q: Can I use the sandbox without submitting documents? A: Yes. Sandbox registration requires only an email and business details. Full KYB documents are only required before going live. Q: Does Kuda support card payments through the Open API? A: No. The Kuda Open API is focused on bank transfers and virtual accounts, not card acceptance. Q: How fast are NIP transfers? A: NIP transfers are typically instant (within seconds) during normal operating hours. Q: Is Kuda Open API available to businesses outside Nigeria? A: The API is primarily designed for Nigerian-registered businesses. International companies may face restrictions on KYB verification.

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Stripe

Stripe

Stripe is the world's leading developer-first payment infrastructure platform, offering a comprehensive suite of APIs for accepting payments, managing subscriptions, running marketplaces, issuing cards, and managing financial operations across 195+ countries. Stripe processes hundreds of billions of dollars annually for millions of businesses globally and is widely regarded as setting the gold standard for payment API design, documentation quality, and developer experience. CRITICAL NOTE FOR NIGERIAN BUSINESSES: Stripe does not currently support merchant account registration for Nigeria-incorporated businesses, NGN settlement to Nigerian bank accounts, or local Nigerian payment methods (bank transfers, USSD, Verve cards). Nigerian businesses cannot register a Stripe account as a Nigerian entity. Nigerian businesses needing local payment processing should use CBN-licensed alternatives: Paystack (Stripe subsidiary, Nigeria-optimized), Flutterwave, Monnify, Kora, or other Nigerian-licensed payment processors. However, Stripe remains highly relevant to the Nigerian tech ecosystem in several important capacities. Paystack — Nigeria's leading payment gateway and most developer-loved fintech API — was acquired by Stripe in 2020 and has adopted many of Stripe's API design conventions. Nigerian developers who learn Stripe's patterns (idempotency keys, webhook signature verification, payment intent lifecycle, connect architecture) will find this knowledge directly transferable when building on Paystack or other modern payment APIs. Diaspora and cross-border cases: Nigerian-founded companies incorporated in the United States, United Kingdom, or other Stripe-supported markets can register Stripe accounts under those foreign entities and use Stripe to charge international customers. This is a common path for Nigerian SaaS founders who incorporate in Delaware (for US market access or investor requirements) and use Stripe to charge global subscribers. The Nigerian individual may build and operate the product, but the contracting entity is foreign-incorporated. Stripe Connect is Stripe's marketplace and platform payment architecture, allowing a platform business to facilitate payments between buyers and sellers or service providers with automatic split payment, commission deduction, and payout management. For Nigerian developers building marketplace products intended for international markets — freelance platforms, services marketplaces, SaaS reseller programs — Stripe Connect provides the payment infrastructure to handle multi-party money flows between international participants. Stripe Billing handles subscription management, recurring payment scheduling, proration for mid-cycle plan changes, invoice generation, retry logic for failed payments, and metered billing for usage-based pricing. For SaaS products serving international markets, Stripe Billing reduces subscription payment infrastructure development from months to days while handling edge cases like payment method expiration, card declines, and dunning flows automatically. Stripe Radar is an AI-powered fraud detection system that scores every payment request in real time and can automatically block suspicious transactions based on customizable rules. For platforms handling international transactions that include potentially high-fraud regions or payment patterns, Radar provides machine learning-based fraud prevention without building custom fraud detection infrastructure. Stripe's documentation is widely considered the best in the payments industry — comprehensive, accurate, with full API reference, extensive guides for common integration patterns, and code examples in multiple languages. Nigerian developers studying payment API design use Stripe documentation as a reference model for understanding best practices in API design, error handling, webhook architecture, and payment security that apply across any payment provider.

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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.

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Parallex Bank API

Parallex Bank API

Parallex Bank is a commercial bank providing Open Banking and payment APIs for fintech integrations. The Parallex Bank API enables payments, payouts, recurring billing, and open banking account data access. Nigerian fintechs use Parallex Bank APIs for payment processing and embedded banking services.