13 Best APIs for Payouts & Disbursements in Nigeria
We've analyzed and compared the top 13 API providers supporting Payouts & Disbursements for Nigerian developers and businesses. Find the right infrastructure fit for your startup below.
Moderated by Ifeoluwa Ajetomobi
Last updated: October 2026
Grey (Grey.co) API
Issue virtual USD, GBP & EUR bank accounts with instant NGN currency conversion & payouts
Verto (VertoFX) API
Enterprise B2B cross-border payments, multi-currency accounts & wholesale FX liquidity across 50+ currencies
Veend (VeendHQ) API
Embedded credit rails connecting digital platforms to capital providers with automated payroll deductions
Cellulant (Tingg) API
Pan-African digital payment gateway, merchant checkout & USSD collections connecting 100+ banks
pawaPay API
Unified Pan-African mobile money gateway aggregating 20+ operators across 10+ African nations
Zainpay (Betastack) API
Automated dedicated virtual accounts, bank transfer verification & split payment settlement APIs
Vesicash API
Digital escrow & milestone payment infrastructure APIs for marketplaces and high-value trade
Leatherback API
Global commercial accounts (USD, GBP, EUR, NGN, CAD) & SWIFT/SEPA cross-border payout APIs
RavenBank (Atlas BaaS) API
Atlas Banking-as-a-Service (virtual accounts, NIP bank transfers, debit card issuing & ledger APIs)
Lenco API
Programmatic business banking, bulk transfers, webhook alerts & multi-signatory account APIs
Prospa API
Business sub-accounts, automatic tax withholding & invoice reconciliation APIs for SMEs
PaidHR API
Automated payroll calculation, employee tax remittances & salary payout APIs for African employers
Waza API
B2B global trade payments, wholesale FX conversion & settlement rails for African businesses