15 Best APIs for USSD Payments in Nigeria

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.

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.

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.

Wireless Card Issuing and USSD API is an African fintech infrastructure platform that combines card issuance capabilities with USSD payment processing, providing two distinct but complementary payment channels through a single API integration. By offering both card-based payments for smartphone and internet users and USSD-based payments for feature phone and low-connectivity users, Wireless enables Nigerian and African platforms to maximize their payment acceptance coverage across the full spectrum of device and connectivity capability in the market. USSD (Unstructured Supplementary Service Data) is a GSM protocol that works on every mobile phone — from basic feature phones to modern smartphones — by dialing a short code that initiates a menu-driven session with a backend system. USSD requires no internet connection, no data plan, no smartphone, and no app installation. The payment session is conducted entirely through the familiar dial-pad interface that every mobile phone user already knows how to use. In a country like Nigeria where smartphone penetration reaches approximately 50 percent of mobile users, USSD-based payments provide critical market reach into the 50 percent of mobile users on feature phones and the substantial portion of smartphone owners who are on very limited data plans or in areas with poor internet connectivity. The Wireless USSD API provides a programmatic backend for USSD payment flows, connecting the carrier-delivered USSD session to the merchant's payment system. When a customer dials the merchant's USSD short code, the session is routed through Wireless's infrastructure to the merchant's API endpoint, which delivers menu prompts and processes customer inputs to complete the payment transaction. The merchant's API receives structured session data, can respond with text menus, and receives notification of successful payment completion. Card issuance through Wireless allows partner platforms to issue physical and virtual payment cards to their customers, extending the card infrastructure alongside the USSD capabilities. The combination serves different user segments: USSD for the feature phone and low-bandwidth segment, cards for internet-connected and smartphone users. A platform using Wireless can serve both groups from a single API relationship rather than integrating separate USSD and card infrastructure providers. Low-bandwidth optimization in Wireless's platform design reflects the reality that much of Nigeria's mobile internet infrastructure delivers variable data speeds. Payment flows and API responses are designed to function reliably even on 2G EDGE connections, which are still prevalent in rural areas and can appear in urban areas during network congestion. This optimization is not just a technical detail — it directly affects whether customers in rural Nigerian states and smaller towns can successfully complete transactions or are excluded from digital payment access. Spending controls on Wireless-issued cards allow partner platforms to configure transaction limits, merchant category restrictions, and per-day or per-period spending caps. For fintech platforms issuing expense cards or input finance cards with use restrictions, these controls ensure that issued cards are used within the intended scope. A cooperative issuing cards for agricultural input purchases can restrict card spending to approved input supplier merchant categories, preventing misuse of financed funds. Real-time authorization events from card transactions are delivered via webhooks to the partner platform, enabling immediate transaction visibility, fraud monitoring, and customer notification. For platforms operating at scale, real-time transaction events are essential for maintaining accurate account balances, detecting suspicious patterns, and delivering the instant transaction notifications that customers expect from modern fintech products. The dual-channel payment architecture of Wireless — covering both USSD for basic connectivity and cards for internet connectivity — reflects a practical response to Nigeria's heterogeneous digital infrastructure reality. Platforms that deploy only card or only online payment channels systematically exclude the portions of their potential market that don't have internet access or smartphone capability. Wireless's combined infrastructure removes this trade-off, enabling payment acceptance across the full user base a Nigerian platform serves.

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

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.

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.

Alat by Wema is Wema Bank's comprehensive digital banking and payments platform providing APIs for payment processing, account management, and embedded finance solutions. The platform enables businesses and fintech partners to accept payments through multiple channels (card payments, bank transfers, bank details/static accounts, USSD), manage accounts, and integrate banking services. Alat by Wema powers AlatPay, Wema's battle-tested payment gateway, and offers partner banking APIs for approved fintech partners. Key capabilities include: Instant payment processing with transparent pricing and no hidden charges, Multiple payment channels (Card, Bank Transfer, Bank Details, USSD, Static Account), Real-time merchant dashboard, Dedicated developer support, Unlimited transaction processing, Sandbox environment for testing, Partner banking APIs for embedded finance. Nigerian e-commerce platforms, service providers, USSD-based businesses, and fintech companies use Alat by Wema for reliable payment acceptance and banking integration. API Base URL: https://apibox.alatpay.ng. Support: alatpaysupport@wemabank.com. Powered by WEMA Bank.

MTN Nigeria Mobile Money API providing payment infrastructure for collections, disbursements, remittances, and request-to-pay services. MTN MoMo enables businesses and developers to integrate mobile money payments directly into their applications, leveraging MTN Nigeria's extensive network of subscribers (70+ million across Nigeria). Supports multiple payment channels including USSD, SMS, and account linking for seamless integration across all user segments.