50 Best APIs for Webhooks in Nigeria

We've analyzed and compared the top 50 API providers supporting Webhooks 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 Webhooks

5 of 50 selected

Ceviant Payments

Pricing
Enterprise pricing — not publicly listed. Ceviant targets enterprise clients with custom contracts. Contact Ceviant for pricing.
Domestic Payment Processing
Available
Multi-Channel Payments
Available
Bank API Connectivity
Available
Enterprise Payment Automation
Available
PCI-DSS Compliance
Available
Webhooks
Available
USSD Payments
Not available
Crypto Payments
Not available
Consumer Checkout Widget
Not available
Free Tier
Not available
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
Airtime Top-up
Not available
Data Bundle Purchase
Not available
Multi-Network Support
Not available
Electricity Bills
Not available
Cable TV Subscription
Not available
Internet Services
Not available
Betting Services
Not available
Education Services
Not available
Insurance Payments
Not available
Instant Settlement
Not available
Sandbox Environment
Not available
Bulk Processing
Not available
Transaction History
Not available
Real-time Balance
Not available
API Documentation
Not available
Developer Support
Not available
Status Notification
Not available
Multiple Payment Methods
Not available
Fraud Detection
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
Data Bundles
Not available
Bulk Top-up
Not available
Instant Delivery
Not available
Customer Support
Not available
Card Payments
Not available
Bank Transfer Checkout
Not available
Mobile Money Payments
Not available
Payouts / Transfers
Not available
BVN Verification
Not available
NIN Verification
Not available
CAC Business Verification
Not available
Exchange Rate API
Not available
Sandbox with Test Cards
Not available
Recurring Billing
Not available
Split Payments
Not available
Mobile Money
Not available
Direct Debit
Not available
Cash Collections
Not available
Virtual Accounts
Not available
International Cards
Not available
Multi-Country African Acquiring
Not available
Transactional email sending
Not available
Automatic SPF/DKIM/DMARC setup
Not available
Sandbox mode (full API parity)
Not available
Signed HMAC webhooks
Not available
Idempotent send requests
Not available
Open & click tracking (opt-in per project)
Not available
Templates (MJML/Handlebars)
Not available
Scheduled sends
Not available
Suppression lists (automatic hard-bounce handling)
Not available
Team roles & audit logs
Not available
Dedicated IPs (Growth tier+)
Not available
NDPR compliance tooling (DPA, retention, erasure)
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
International Card Payments
Not available
FX / Multi-Currency Payments
Not available
Expense Management
Not available
Auto Reconciliation
Not available
NRS E-Invoicing
Not available
South Africa (Ozow EFT)
Not available
Card Issuance
Not available
Crypto Payment Acceptance
Not available
Crypto-to-NGN Off-Ramp
Not available
NGN-to-Crypto On-Ramp
Not available
Multi-Currency Treasury
Not available
Stablecoin Holdings
Not available
Wallet API
Not available
Corporate Card Issuance
Not available
Pan-African Corridors
Not available
Card Payment Acceptance
Not available
NGN Bank Transfer In (Direct)
Not available
Virtual Account Issuance (Fixed)
Not available
Virtual Account Issuance (Collection)
Not available
Bank Transfers (NIP)
Not available
Bulk Transfers
Not available
Airtime/Data Bills Payment
Not available
Electricity Bills Payment
Not available
Cable TV Subscription Payment
Not available
Dashboard Management
Not available
International Transfers
Not available
FX Conversion
Not available
Card Payments (Verve/Visa/Mastercard)
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
Card Payments (Local)
Not available
Payment Links
Not available
Invoicing
Not available
Multi-Currency (8 currencies)
Not available
Buy Cryptocurrency
Not available
Sell Cryptocurrency
Not available
Bitcoin Exchange
Not available
Ethereum Support
Not available
USDT Support
Not available
Multiple Currencies
Not available
Bank Deposits
Not available
Fast Transactions
Not available
Real-time Rates
Not available
Secure Wallets
Not available
Account Management
Not available
API Access
Not available
KYC Verification
Not available
Security Features
Not available
24/7 Support
Not available
Mock Endpoint Creation
Not available
Custom Response Rules
Not available
Real-time Request Inspector
Not available
Webhook Testing
Not available
Request Body Capture
Not available
Conditional Logic
Not available
API Proxy Mode
Not available
No Registration (Basic)
Not available
Ethereum RPC
Not available
Bitcoin RPC
Not available
Solana RPC
Not available
BNB Smart Chain
Not available
50+ Chains
Not available
WebSocket
Not available
Mass Payouts (200+ countries)
Not available
White-Label Payee Registration
Not available
Multi-Currency Support
Not available
NGN Bank Withdrawal (Nigeria)
Not available
OAuth 2.0 Authentication
Not available
Marketplace Payment Integration
Not available
Direct Nigerian Payment Collection
Not available
NGN Local Checkout
Not available
Local Payment Method Collections
Not available
Global Payouts
Not available
Multi-Currency Wallets
Not available
Card Issuing
Not available
Sandbox
Not available
NGN Direct Local Checkout
Not available
File Upload
Not available
File Download
Not available
Folder Management
Not available
Shared Links
Not available
File Metadata
Not available
Chunked Upload
Not available
Dropbox Paper API
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
Repository CRUD
Not available
Issue Management
Not available
Pull Request Management
Not available
GitHub Actions
Not available
Code Search
Not available
OAuth 2.0
Not available
GraphQL API
Not available
Polygon, Arbitrum, Base, Optimism
Not available
BNB Smart Chain RPC
Not available
WebSocket Subscriptions
Not available
QuickAlerts Webhooks
Not available
NFT Add-on
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
DEX Token Prices (Solana)
Not available
OHLCV Price History
Not available
Wallet Portfolio Tracker
Not available
Token Security Score
Not available
Trending & New Tokens
Not available
Liquidity Pool Data
Not available
Trader Activity Analysis
Not available
Multi-chain Support
Not available
Token Metadata
Not available
Price Alerts (Webhooks)
Not available
Wallet Token Balances
Not available
NFT Portfolio by Wallet
Not available
DeFi Positions
Not available
Token Price Data
Not available
Real-time Streams (Webhooks)
Not available
EVM + Solana Support
Not available
ENS Resolution
Not available
Event creation
Not available
Ticket sales
Not available
Attendee management
Not available
Event search
Not available
SMS to Nigerian Networks
Not available
WhatsApp Business API
Not available
Voice Calls
Not available
Email
Not available
DND Bypass (Transactional)
Not available
OTP/Verification API
Not available
NGN Pricing
Not available
USSD
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
React & React Native SDKs
Not available
Unity/Unreal SDK (Gaming)
Not available
Cross-Border Payouts (190+ countries)
Not available
Multi-Currency Collections (35+ markets)
Not available
Virtual Card Issuance (30+ countries)
Not available
Real-Time FX Rates
Not available
Sandbox Testing
Not available
Mass/Bulk Payout
Not available
NGN Direct Collection
Not available
Consumer-Facing Checkout
Not available
Enhanced Transaction Parsing
Not available
DAS API (NFT Data)
Not available
Webhooks (Address Monitoring)
Not available
Priority Fee API
Not available
Archive Node
Not available
EVM Chains
Not available
Webhook sending/receiving
Not available
Automatic retries
Not available
Rate limiting
Not available
Static IPs
Not available
Ethereum RPC Node
Not available
Polygon RPC
Not available
NFT API
Not available
Token API
Not available
Transaction Webhooks
Not available
Debug and Trace APIs
Not available
Payment Processing
Not available
Bank Transfer
Not available
Cross-border Transfers
Not available
Multi-currency
Not available
Virtual Cards
Not available
Payouts
Not available
Wallet Services
Not available
SDK Support
Not available
Real-time Reporting
Not available
KYC Integration
Not available
Cryptocurrency Trading
Not available
Buy Bitcoin
Not available
Buy Ethereum
Not available
Buy Ripple
Not available
Sell Crypto
Not available
Multi-currency Wallets
Not available
Market Data
Not available
Price Information
Not available
Deposit/Withdraw
Not available
Bank Transfers
Not available
Order Management
Not available
Real-time Quotes
Not available
Authentication
Not available
Multi-wallet Connection (300+)
Not available
Embedded Wallets (Email/Social)
Not available
MFA Support
Not available
Token/NFT Gating
Not available
User Management Dashboard
Not available
Conversion Analytics
Not available
Allowlist & Blocklist
Not available
Custom UI Theming
Not available
Multi-chain Blockchain Data
Not available
HD Wallet Management
Not available
Address Monitoring & Webhooks
Not available
NFT Data
Not available
Token Balances & Info
Not available
Mempool Monitoring
Not available
Transaction Broadcasting
Not available
Smart Contract Events
Not available
Testnet Support
Not available
Multi-chain Wallet Generation
Not available
Transaction Signing & Broadcasting
Not available
Virtual Account System
Not available
NFT Minting & Management
Not available
ERC-20/BEP-20 Token Operations
Not available
DeFi Swap Integration
Not available
Webhook Notifications
Not available
Exchange Rate Data
Not available
100+ Chain Support
Not available
Bitcoin REST API
Not available
Litecoin/Dogecoin APIs
Not available
Ethereum API
Not available
Webhook Address Monitoring
Not available
Transaction Builder
Not available
Multisig Support
Not available
Unconfirmed TX Confidence Score
Not available
Address Forwarding
Not available
Private Test Blockchain
Not available
RPC Node Access
Not available
Staking API
Not available
MPC Wallet API
Not available
Blockchain Data Indexing
Not available
Event Streaming (Chain Watch)
Not available
Multi-Chain Support
Not available
USSD/Mobile Money
Not available
Fiat On/Off Ramp
Not available
Nigerian Naira Support
Not available
Crypto-to-NGN Auto Settlement
Not available
Stablecoin Acceptance (USDT/USDC)
Not available
Bitcoin & Ethereum Acceptance
Not available
Unique Deposit Address Per Customer
Not available
Wallet Balance Management
Not available
Ghana (GHS) Settlement
Not available
Developer Markup (Revenue Share)
Not available
NGN On-Ramp (Buy Crypto)
Not available
International Bank Wire
Not available
In-person POS
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
Recurring / Subscription Billing
Not available
Card Payments (3DS + 2FA)
Not available
Internet Banking Transfers
Not available
Subscription Billing
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
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
Virtual Account Issuance
Not available
Bank Payouts (NIP)
Not available
Transaction History & Verification
Not available
BVN Verification (CarbonIVS)
Not available
NIN Verification (CarbonIVS)
Not available
Passport Verification (CarbonIVS)
Not available
Voter ID Verification (CarbonIVS)
Not available
KYC Dashboard Reporting
Not available
Lending/Credit API
Not available
View Details

GIG Logistics API

Pricing
Per-shipment pricing based on weight, size, and destination. Enterprise API pricing available. Contact GIG Logistics for commercial API terms.
Domestic Payment Processing
Not available
Multi-Channel Payments
Not available
Bank API Connectivity
Not available
Enterprise Payment Automation
Not available
PCI-DSS Compliance
Not available
Webhooks
Not available
USSD Payments
Not available
Crypto Payments
Not available
Consumer Checkout Widget
Not available
Free Tier
Not available
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
Airtime Top-up
Not available
Data Bundle Purchase
Not available
Multi-Network Support
Not available
Electricity Bills
Not available
Cable TV Subscription
Not available
Internet Services
Not available
Betting Services
Not available
Education Services
Not available
Insurance Payments
Not available
Instant Settlement
Not available
Sandbox Environment
Not available
Bulk Processing
Not available
Transaction History
Not available
Real-time Balance
Not available
API Documentation
Not available
Developer Support
Not available
Status Notification
Not available
Multiple Payment Methods
Not available
Fraud Detection
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
Data Bundles
Not available
Bulk Top-up
Not available
Instant Delivery
Not available
Customer Support
Not available
Card Payments
Not available
Bank Transfer Checkout
Not available
Mobile Money Payments
Not available
Payouts / Transfers
Not available
BVN Verification
Not available
NIN Verification
Not available
CAC Business Verification
Not available
Exchange Rate API
Not available
Sandbox with Test Cards
Not available
Recurring Billing
Not available
Split Payments
Not available
Mobile Money
Not available
Direct Debit
Not available
Cash Collections
Not available
Virtual Accounts
Not available
International Cards
Not available
Multi-Country African Acquiring
Not available
Transactional email sending
Not available
Automatic SPF/DKIM/DMARC setup
Not available
Sandbox mode (full API parity)
Not available
Signed HMAC webhooks
Not available
Idempotent send requests
Not available
Open & click tracking (opt-in per project)
Not available
Templates (MJML/Handlebars)
Not available
Scheduled sends
Not available
Suppression lists (automatic hard-bounce handling)
Not available
Team roles & audit logs
Not available
Dedicated IPs (Growth tier+)
Not available
NDPR compliance tooling (DPA, retention, erasure)
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
International Card Payments
Not available
FX / Multi-Currency Payments
Not available
Expense Management
Not available
Auto Reconciliation
Not available
NRS E-Invoicing
Not available
South Africa (Ozow EFT)
Not available
Card Issuance
Not available
Crypto Payment Acceptance
Not available
Crypto-to-NGN Off-Ramp
Not available
NGN-to-Crypto On-Ramp
Not available
Multi-Currency Treasury
Not available
Stablecoin Holdings
Not available
Wallet API
Not available
Corporate Card Issuance
Not available
Pan-African Corridors
Not available
Card Payment Acceptance
Not available
NGN Bank Transfer In (Direct)
Not available
Virtual Account Issuance (Fixed)
Not available
Virtual Account Issuance (Collection)
Not available
Bank Transfers (NIP)
Not available
Bulk Transfers
Not available
Airtime/Data Bills Payment
Not available
Electricity Bills Payment
Not available
Cable TV Subscription Payment
Not available
Dashboard Management
Not available
International Transfers
Not available
FX Conversion
Not available
Card Payments (Verve/Visa/Mastercard)
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
Card Payments (Local)
Not available
Payment Links
Not available
Invoicing
Not available
Multi-Currency (8 currencies)
Not available
Buy Cryptocurrency
Not available
Sell Cryptocurrency
Not available
Bitcoin Exchange
Not available
Ethereum Support
Not available
USDT Support
Not available
Multiple Currencies
Not available
Bank Deposits
Not available
Fast Transactions
Not available
Real-time Rates
Not available
Secure Wallets
Not available
Account Management
Not available
API Access
Not available
KYC Verification
Not available
Security Features
Not available
24/7 Support
Not available
Mock Endpoint Creation
Not available
Custom Response Rules
Not available
Real-time Request Inspector
Not available
Webhook Testing
Not available
Request Body Capture
Not available
Conditional Logic
Not available
API Proxy Mode
Not available
No Registration (Basic)
Not available
Ethereum RPC
Not available
Bitcoin RPC
Not available
Solana RPC
Not available
BNB Smart Chain
Not available
50+ Chains
Not available
WebSocket
Not available
Mass Payouts (200+ countries)
Not available
White-Label Payee Registration
Not available
Multi-Currency Support
Not available
NGN Bank Withdrawal (Nigeria)
Not available
OAuth 2.0 Authentication
Not available
Marketplace Payment Integration
Not available
Direct Nigerian Payment Collection
Not available
NGN Local Checkout
Not available
Local Payment Method Collections
Not available
Global Payouts
Not available
Multi-Currency Wallets
Not available
Card Issuing
Not available
Sandbox
Not available
NGN Direct Local Checkout
Not available
File Upload
Not available
File Download
Not available
Folder Management
Not available
Shared Links
Not available
File Metadata
Not available
Chunked Upload
Not available
Dropbox Paper API
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
Repository CRUD
Not available
Issue Management
Not available
Pull Request Management
Not available
GitHub Actions
Not available
Code Search
Not available
OAuth 2.0
Not available
GraphQL API
Not available
Polygon, Arbitrum, Base, Optimism
Not available
BNB Smart Chain RPC
Not available
WebSocket Subscriptions
Not available
QuickAlerts Webhooks
Not available
NFT Add-on
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
DEX Token Prices (Solana)
Not available
OHLCV Price History
Not available
Wallet Portfolio Tracker
Not available
Token Security Score
Not available
Trending & New Tokens
Not available
Liquidity Pool Data
Not available
Trader Activity Analysis
Not available
Multi-chain Support
Not available
Token Metadata
Not available
Price Alerts (Webhooks)
Not available
Wallet Token Balances
Not available
NFT Portfolio by Wallet
Not available
DeFi Positions
Not available
Token Price Data
Not available
Real-time Streams (Webhooks)
Not available
EVM + Solana Support
Not available
ENS Resolution
Not available
Event creation
Not available
Ticket sales
Not available
Attendee management
Not available
Event search
Not available
SMS to Nigerian Networks
Not available
WhatsApp Business API
Not available
Voice Calls
Not available
Email
Not available
DND Bypass (Transactional)
Not available
OTP/Verification API
Not available
NGN Pricing
Not available
USSD
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
React & React Native SDKs
Not available
Unity/Unreal SDK (Gaming)
Not available
Cross-Border Payouts (190+ countries)
Not available
Multi-Currency Collections (35+ markets)
Not available
Virtual Card Issuance (30+ countries)
Not available
Real-Time FX Rates
Not available
Sandbox Testing
Not available
Mass/Bulk Payout
Not available
NGN Direct Collection
Not available
Consumer-Facing Checkout
Not available
Enhanced Transaction Parsing
Not available
DAS API (NFT Data)
Not available
Webhooks (Address Monitoring)
Not available
Priority Fee API
Not available
Archive Node
Not available
EVM Chains
Not available
Webhook sending/receiving
Not available
Automatic retries
Not available
Rate limiting
Not available
Static IPs
Not available
Ethereum RPC Node
Not available
Polygon RPC
Not available
NFT API
Not available
Token API
Not available
Transaction Webhooks
Not available
Debug and Trace APIs
Not available
Payment Processing
Not available
Bank Transfer
Not available
Cross-border Transfers
Not available
Multi-currency
Not available
Virtual Cards
Not available
Payouts
Not available
Wallet Services
Not available
SDK Support
Not available
Real-time Reporting
Not available
KYC Integration
Not available
Cryptocurrency Trading
Not available
Buy Bitcoin
Not available
Buy Ethereum
Not available
Buy Ripple
Not available
Sell Crypto
Not available
Multi-currency Wallets
Not available
Market Data
Not available
Price Information
Not available
Deposit/Withdraw
Not available
Bank Transfers
Not available
Order Management
Not available
Real-time Quotes
Not available
Authentication
Not available
Multi-wallet Connection (300+)
Not available
Embedded Wallets (Email/Social)
Not available
MFA Support
Not available
Token/NFT Gating
Not available
User Management Dashboard
Not available
Conversion Analytics
Not available
Allowlist & Blocklist
Not available
Custom UI Theming
Not available
Multi-chain Blockchain Data
Not available
HD Wallet Management
Not available
Address Monitoring & Webhooks
Not available
NFT Data
Not available
Token Balances & Info
Not available
Mempool Monitoring
Not available
Transaction Broadcasting
Not available
Smart Contract Events
Not available
Testnet Support
Not available
Multi-chain Wallet Generation
Not available
Transaction Signing & Broadcasting
Not available
Virtual Account System
Not available
NFT Minting & Management
Not available
ERC-20/BEP-20 Token Operations
Not available
DeFi Swap Integration
Not available
Webhook Notifications
Not available
Exchange Rate Data
Not available
100+ Chain Support
Not available
Bitcoin REST API
Not available
Litecoin/Dogecoin APIs
Not available
Ethereum API
Not available
Webhook Address Monitoring
Not available
Transaction Builder
Not available
Multisig Support
Not available
Unconfirmed TX Confidence Score
Not available
Address Forwarding
Not available
Private Test Blockchain
Not available
RPC Node Access
Not available
Staking API
Not available
MPC Wallet API
Not available
Blockchain Data Indexing
Not available
Event Streaming (Chain Watch)
Not available
Multi-Chain Support
Not available
USSD/Mobile Money
Not available
Fiat On/Off Ramp
Not available
Nigerian Naira Support
Not available
Crypto-to-NGN Auto Settlement
Not available
Stablecoin Acceptance (USDT/USDC)
Not available
Bitcoin & Ethereum Acceptance
Not available
Unique Deposit Address Per Customer
Not available
Wallet Balance Management
Not available
Ghana (GHS) Settlement
Not available
Developer Markup (Revenue Share)
Not available
NGN On-Ramp (Buy Crypto)
Not available
International Bank Wire
Not available
In-person POS
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
Recurring / Subscription Billing
Not available
Card Payments (3DS + 2FA)
Not available
Internet Banking Transfers
Not available
Subscription Billing
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
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
Virtual Account Issuance
Not available
Bank Payouts (NIP)
Not available
Transaction History & Verification
Not available
BVN Verification (CarbonIVS)
Not available
NIN Verification (CarbonIVS)
Not available
Passport Verification (CarbonIVS)
Not available
Voter ID Verification (CarbonIVS)
Not available
KYC Dashboard Reporting
Not available
Lending/Credit API
Not available
View Details

VTpass API

Pricing
Free for testing in sandbox. Production: commission-based per transaction (varies by service: airtime 2-5%, data 3-7%, electricity 2-4%, cable 2-3%).
Domestic Payment Processing
Not available
Multi-Channel Payments
Not available
Bank API Connectivity
Not available
Enterprise Payment Automation
Not available
PCI-DSS Compliance
Not available
Webhooks
Available
USSD Payments
Not available
Crypto Payments
Not available
Consumer Checkout Widget
Not available
Free Tier
Not available
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
Airtime Top-up
Available
Data Bundle Purchase
Available
Multi-Network Support
Available
Electricity Bills
Available
Cable TV Subscription
Available
Internet Services
Available
Betting Services
Available
Education Services
Available
Insurance Payments
Available
Instant Settlement
Available
Sandbox Environment
Available
Bulk Processing
Available
Transaction History
Available
Real-time Balance
Available
API Documentation
Available
Developer Support
Available
Status Notification
Available
Multiple Payment Methods
Available
Fraud Detection
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
Data Bundles
Not available
Bulk Top-up
Not available
Instant Delivery
Not available
Customer Support
Not available
Card Payments
Not available
Bank Transfer Checkout
Not available
Mobile Money Payments
Not available
Payouts / Transfers
Not available
BVN Verification
Not available
NIN Verification
Not available
CAC Business Verification
Not available
Exchange Rate API
Not available
Sandbox with Test Cards
Not available
Recurring Billing
Not available
Split Payments
Not available
Mobile Money
Not available
Direct Debit
Not available
Cash Collections
Not available
Virtual Accounts
Not available
International Cards
Not available
Multi-Country African Acquiring
Not available
Transactional email sending
Not available
Automatic SPF/DKIM/DMARC setup
Not available
Sandbox mode (full API parity)
Not available
Signed HMAC webhooks
Not available
Idempotent send requests
Not available
Open & click tracking (opt-in per project)
Not available
Templates (MJML/Handlebars)
Not available
Scheduled sends
Not available
Suppression lists (automatic hard-bounce handling)
Not available
Team roles & audit logs
Not available
Dedicated IPs (Growth tier+)
Not available
NDPR compliance tooling (DPA, retention, erasure)
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
International Card Payments
Not available
FX / Multi-Currency Payments
Not available
Expense Management
Not available
Auto Reconciliation
Not available
NRS E-Invoicing
Not available
South Africa (Ozow EFT)
Not available
Card Issuance
Not available
Crypto Payment Acceptance
Not available
Crypto-to-NGN Off-Ramp
Not available
NGN-to-Crypto On-Ramp
Not available
Multi-Currency Treasury
Not available
Stablecoin Holdings
Not available
Wallet API
Not available
Corporate Card Issuance
Not available
Pan-African Corridors
Not available
Card Payment Acceptance
Not available
NGN Bank Transfer In (Direct)
Not available
Virtual Account Issuance (Fixed)
Not available
Virtual Account Issuance (Collection)
Not available
Bank Transfers (NIP)
Not available
Bulk Transfers
Not available
Airtime/Data Bills Payment
Not available
Electricity Bills Payment
Not available
Cable TV Subscription Payment
Not available
Dashboard Management
Not available
International Transfers
Not available
FX Conversion
Not available
Card Payments (Verve/Visa/Mastercard)
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
Card Payments (Local)
Not available
Payment Links
Not available
Invoicing
Not available
Multi-Currency (8 currencies)
Not available
Buy Cryptocurrency
Not available
Sell Cryptocurrency
Not available
Bitcoin Exchange
Not available
Ethereum Support
Not available
USDT Support
Not available
Multiple Currencies
Not available
Bank Deposits
Not available
Fast Transactions
Not available
Real-time Rates
Not available
Secure Wallets
Not available
Account Management
Not available
API Access
Not available
KYC Verification
Not available
Security Features
Not available
24/7 Support
Not available
Mock Endpoint Creation
Not available
Custom Response Rules
Not available
Real-time Request Inspector
Not available
Webhook Testing
Not available
Request Body Capture
Not available
Conditional Logic
Not available
API Proxy Mode
Not available
No Registration (Basic)
Not available
Ethereum RPC
Not available
Bitcoin RPC
Not available
Solana RPC
Not available
BNB Smart Chain
Not available
50+ Chains
Not available
WebSocket
Not available
Mass Payouts (200+ countries)
Not available
White-Label Payee Registration
Not available
Multi-Currency Support
Not available
NGN Bank Withdrawal (Nigeria)
Not available
OAuth 2.0 Authentication
Not available
Marketplace Payment Integration
Not available
Direct Nigerian Payment Collection
Not available
NGN Local Checkout
Not available
Local Payment Method Collections
Not available
Global Payouts
Not available
Multi-Currency Wallets
Not available
Card Issuing
Not available
Sandbox
Not available
NGN Direct Local Checkout
Not available
File Upload
Not available
File Download
Not available
Folder Management
Not available
Shared Links
Not available
File Metadata
Not available
Chunked Upload
Not available
Dropbox Paper API
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
Repository CRUD
Not available
Issue Management
Not available
Pull Request Management
Not available
GitHub Actions
Not available
Code Search
Not available
OAuth 2.0
Not available
GraphQL API
Not available
Polygon, Arbitrum, Base, Optimism
Not available
BNB Smart Chain RPC
Not available
WebSocket Subscriptions
Not available
QuickAlerts Webhooks
Not available
NFT Add-on
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
DEX Token Prices (Solana)
Not available
OHLCV Price History
Not available
Wallet Portfolio Tracker
Not available
Token Security Score
Not available
Trending & New Tokens
Not available
Liquidity Pool Data
Not available
Trader Activity Analysis
Not available
Multi-chain Support
Not available
Token Metadata
Not available
Price Alerts (Webhooks)
Not available
Wallet Token Balances
Not available
NFT Portfolio by Wallet
Not available
DeFi Positions
Not available
Token Price Data
Not available
Real-time Streams (Webhooks)
Not available
EVM + Solana Support
Not available
ENS Resolution
Not available
Event creation
Not available
Ticket sales
Not available
Attendee management
Not available
Event search
Not available
SMS to Nigerian Networks
Not available
WhatsApp Business API
Not available
Voice Calls
Not available
Email
Not available
DND Bypass (Transactional)
Not available
OTP/Verification API
Not available
NGN Pricing
Not available
USSD
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
React & React Native SDKs
Not available
Unity/Unreal SDK (Gaming)
Not available
Cross-Border Payouts (190+ countries)
Not available
Multi-Currency Collections (35+ markets)
Not available
Virtual Card Issuance (30+ countries)
Not available
Real-Time FX Rates
Not available
Sandbox Testing
Not available
Mass/Bulk Payout
Not available
NGN Direct Collection
Not available
Consumer-Facing Checkout
Not available
Enhanced Transaction Parsing
Not available
DAS API (NFT Data)
Not available
Webhooks (Address Monitoring)
Not available
Priority Fee API
Not available
Archive Node
Not available
EVM Chains
Not available
Webhook sending/receiving
Not available
Automatic retries
Not available
Rate limiting
Not available
Static IPs
Not available
Ethereum RPC Node
Not available
Polygon RPC
Not available
NFT API
Not available
Token API
Not available
Transaction Webhooks
Not available
Debug and Trace APIs
Not available
Payment Processing
Not available
Bank Transfer
Not available
Cross-border Transfers
Not available
Multi-currency
Not available
Virtual Cards
Not available
Payouts
Not available
Wallet Services
Not available
SDK Support
Not available
Real-time Reporting
Not available
KYC Integration
Not available
Cryptocurrency Trading
Not available
Buy Bitcoin
Not available
Buy Ethereum
Not available
Buy Ripple
Not available
Sell Crypto
Not available
Multi-currency Wallets
Not available
Market Data
Not available
Price Information
Not available
Deposit/Withdraw
Not available
Bank Transfers
Not available
Order Management
Not available
Real-time Quotes
Not available
Authentication
Not available
Multi-wallet Connection (300+)
Not available
Embedded Wallets (Email/Social)
Not available
MFA Support
Not available
Token/NFT Gating
Not available
User Management Dashboard
Not available
Conversion Analytics
Not available
Allowlist & Blocklist
Not available
Custom UI Theming
Not available
Multi-chain Blockchain Data
Not available
HD Wallet Management
Not available
Address Monitoring & Webhooks
Not available
NFT Data
Not available
Token Balances & Info
Not available
Mempool Monitoring
Not available
Transaction Broadcasting
Not available
Smart Contract Events
Not available
Testnet Support
Not available
Multi-chain Wallet Generation
Not available
Transaction Signing & Broadcasting
Not available
Virtual Account System
Not available
NFT Minting & Management
Not available
ERC-20/BEP-20 Token Operations
Not available
DeFi Swap Integration
Not available
Webhook Notifications
Not available
Exchange Rate Data
Not available
100+ Chain Support
Not available
Bitcoin REST API
Not available
Litecoin/Dogecoin APIs
Not available
Ethereum API
Not available
Webhook Address Monitoring
Not available
Transaction Builder
Not available
Multisig Support
Not available
Unconfirmed TX Confidence Score
Not available
Address Forwarding
Not available
Private Test Blockchain
Not available
RPC Node Access
Not available
Staking API
Not available
MPC Wallet API
Not available
Blockchain Data Indexing
Not available
Event Streaming (Chain Watch)
Not available
Multi-Chain Support
Not available
USSD/Mobile Money
Not available
Fiat On/Off Ramp
Not available
Nigerian Naira Support
Not available
Crypto-to-NGN Auto Settlement
Not available
Stablecoin Acceptance (USDT/USDC)
Not available
Bitcoin & Ethereum Acceptance
Not available
Unique Deposit Address Per Customer
Not available
Wallet Balance Management
Not available
Ghana (GHS) Settlement
Not available
Developer Markup (Revenue Share)
Not available
NGN On-Ramp (Buy Crypto)
Not available
International Bank Wire
Not available
In-person POS
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
Recurring / Subscription Billing
Not available
Card Payments (3DS + 2FA)
Not available
Internet Banking Transfers
Not available
Subscription Billing
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
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
Virtual Account Issuance
Not available
Bank Payouts (NIP)
Not available
Transaction History & Verification
Not available
BVN Verification (CarbonIVS)
Not available
NIN Verification (CarbonIVS)
Not available
Passport Verification (CarbonIVS)
Not available
Voter ID Verification (CarbonIVS)
Not available
KYC Dashboard Reporting
Not available
Lending/Credit API
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.
Domestic Payment Processing
Not available
Multi-Channel Payments
Not available
Bank API Connectivity
Not available
Enterprise Payment Automation
Not available
PCI-DSS Compliance
Not available
Webhooks
Not available
USSD Payments
Not available
Crypto Payments
Not available
Consumer Checkout Widget
Not available
Free Tier
Not available
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
Airtime Top-up
Not available
Data Bundle Purchase
Not available
Multi-Network Support
Not available
Electricity Bills
Not available
Cable TV Subscription
Not available
Internet Services
Not available
Betting Services
Not available
Education Services
Not available
Insurance Payments
Not available
Instant Settlement
Not available
Sandbox Environment
Not available
Bulk Processing
Not available
Transaction History
Not available
Real-time Balance
Not available
API Documentation
Not available
Developer Support
Not available
Status Notification
Not available
Multiple Payment Methods
Not available
Fraud Detection
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
Data Bundles
Not available
Bulk Top-up
Not available
Instant Delivery
Not available
Customer Support
Not available
Card Payments
Not available
Bank Transfer Checkout
Not available
Mobile Money Payments
Not available
Payouts / Transfers
Not available
BVN Verification
Not available
NIN Verification
Not available
CAC Business Verification
Not available
Exchange Rate API
Not available
Sandbox with Test Cards
Not available
Recurring Billing
Not available
Split Payments
Not available
Mobile Money
Not available
Direct Debit
Not available
Cash Collections
Not available
Virtual Accounts
Not available
International Cards
Not available
Multi-Country African Acquiring
Not available
Transactional email sending
Not available
Automatic SPF/DKIM/DMARC setup
Not available
Sandbox mode (full API parity)
Not available
Signed HMAC webhooks
Not available
Idempotent send requests
Not available
Open & click tracking (opt-in per project)
Not available
Templates (MJML/Handlebars)
Not available
Scheduled sends
Not available
Suppression lists (automatic hard-bounce handling)
Not available
Team roles & audit logs
Not available
Dedicated IPs (Growth tier+)
Not available
NDPR compliance tooling (DPA, retention, erasure)
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
International Card Payments
Not available
FX / Multi-Currency Payments
Not available
Expense Management
Not available
Auto Reconciliation
Not available
NRS E-Invoicing
Not available
South Africa (Ozow EFT)
Not available
Card Issuance
Not available
Crypto Payment Acceptance
Not available
Crypto-to-NGN Off-Ramp
Not available
NGN-to-Crypto On-Ramp
Not available
Multi-Currency Treasury
Not available
Stablecoin Holdings
Not available
Wallet API
Not available
Corporate Card Issuance
Not available
Pan-African Corridors
Not available
Card Payment Acceptance
Not available
NGN Bank Transfer In (Direct)
Not available
Virtual Account Issuance (Fixed)
Not available
Virtual Account Issuance (Collection)
Not available
Bank Transfers (NIP)
Not available
Bulk Transfers
Not available
Airtime/Data Bills Payment
Not available
Electricity Bills Payment
Not available
Cable TV Subscription Payment
Not available
Dashboard Management
Not available
International Transfers
Not available
FX Conversion
Not available
Card Payments (Verve/Visa/Mastercard)
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
Card Payments (Local)
Not available
Payment Links
Not available
Invoicing
Not available
Multi-Currency (8 currencies)
Not available
Buy Cryptocurrency
Not available
Sell Cryptocurrency
Not available
Bitcoin Exchange
Not available
Ethereum Support
Not available
USDT Support
Not available
Multiple Currencies
Not available
Bank Deposits
Not available
Fast Transactions
Not available
Real-time Rates
Not available
Secure Wallets
Not available
Account Management
Not available
API Access
Not available
KYC Verification
Not available
Security Features
Not available
24/7 Support
Not available
Mock Endpoint Creation
Not available
Custom Response Rules
Not available
Real-time Request Inspector
Not available
Webhook Testing
Not available
Request Body Capture
Not available
Conditional Logic
Not available
API Proxy Mode
Not available
No Registration (Basic)
Not available
Ethereum RPC
Not available
Bitcoin RPC
Not available
Solana RPC
Not available
BNB Smart Chain
Not available
50+ Chains
Not available
WebSocket
Not available
Mass Payouts (200+ countries)
Not available
White-Label Payee Registration
Not available
Multi-Currency Support
Not available
NGN Bank Withdrawal (Nigeria)
Not available
OAuth 2.0 Authentication
Not available
Marketplace Payment Integration
Not available
Direct Nigerian Payment Collection
Not available
NGN Local Checkout
Not available
Local Payment Method Collections
Not available
Global Payouts
Not available
Multi-Currency Wallets
Not available
Card Issuing
Not available
Sandbox
Not available
NGN Direct Local Checkout
Not available
File Upload
Not available
File Download
Not available
Folder Management
Not available
Shared Links
Not available
File Metadata
Not available
Chunked Upload
Not available
Dropbox Paper API
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
Repository CRUD
Not available
Issue Management
Not available
Pull Request Management
Not available
GitHub Actions
Not available
Code Search
Not available
OAuth 2.0
Not available
GraphQL API
Not available
Polygon, Arbitrum, Base, Optimism
Not available
BNB Smart Chain RPC
Not available
WebSocket Subscriptions
Not available
QuickAlerts Webhooks
Not available
NFT Add-on
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
DEX Token Prices (Solana)
Not available
OHLCV Price History
Not available
Wallet Portfolio Tracker
Not available
Token Security Score
Not available
Trending & New Tokens
Not available
Liquidity Pool Data
Not available
Trader Activity Analysis
Not available
Multi-chain Support
Not available
Token Metadata
Not available
Price Alerts (Webhooks)
Not available
Wallet Token Balances
Not available
NFT Portfolio by Wallet
Not available
DeFi Positions
Not available
Token Price Data
Not available
Real-time Streams (Webhooks)
Not available
EVM + Solana Support
Not available
ENS Resolution
Not available
Event creation
Not available
Ticket sales
Not available
Attendee management
Not available
Event search
Not available
SMS to Nigerian Networks
Not available
WhatsApp Business API
Not available
Voice Calls
Not available
Email
Not available
DND Bypass (Transactional)
Not available
OTP/Verification API
Not available
NGN Pricing
Not available
USSD
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
React & React Native SDKs
Not available
Unity/Unreal SDK (Gaming)
Not available
Cross-Border Payouts (190+ countries)
Not available
Multi-Currency Collections (35+ markets)
Not available
Virtual Card Issuance (30+ countries)
Not available
Real-Time FX Rates
Not available
Sandbox Testing
Not available
Mass/Bulk Payout
Not available
NGN Direct Collection
Not available
Consumer-Facing Checkout
Not available
Enhanced Transaction Parsing
Not available
DAS API (NFT Data)
Not available
Webhooks (Address Monitoring)
Not available
Priority Fee API
Not available
Archive Node
Not available
EVM Chains
Not available
Webhook sending/receiving
Not available
Automatic retries
Not available
Rate limiting
Not available
Static IPs
Not available
Ethereum RPC Node
Not available
Polygon RPC
Not available
NFT API
Not available
Token API
Not available
Transaction Webhooks
Not available
Debug and Trace APIs
Not available
Payment Processing
Not available
Bank Transfer
Not available
Cross-border Transfers
Not available
Multi-currency
Not available
Virtual Cards
Not available
Payouts
Not available
Wallet Services
Not available
SDK Support
Not available
Real-time Reporting
Not available
KYC Integration
Not available
Cryptocurrency Trading
Not available
Buy Bitcoin
Not available
Buy Ethereum
Not available
Buy Ripple
Not available
Sell Crypto
Not available
Multi-currency Wallets
Not available
Market Data
Not available
Price Information
Not available
Deposit/Withdraw
Not available
Bank Transfers
Not available
Order Management
Not available
Real-time Quotes
Not available
Authentication
Not available
Multi-wallet Connection (300+)
Not available
Embedded Wallets (Email/Social)
Not available
MFA Support
Not available
Token/NFT Gating
Not available
User Management Dashboard
Not available
Conversion Analytics
Not available
Allowlist & Blocklist
Not available
Custom UI Theming
Not available
Multi-chain Blockchain Data
Not available
HD Wallet Management
Not available
Address Monitoring & Webhooks
Not available
NFT Data
Not available
Token Balances & Info
Not available
Mempool Monitoring
Not available
Transaction Broadcasting
Not available
Smart Contract Events
Not available
Testnet Support
Not available
Multi-chain Wallet Generation
Not available
Transaction Signing & Broadcasting
Not available
Virtual Account System
Not available
NFT Minting & Management
Not available
ERC-20/BEP-20 Token Operations
Not available
DeFi Swap Integration
Not available
Webhook Notifications
Not available
Exchange Rate Data
Not available
100+ Chain Support
Not available
Bitcoin REST API
Not available
Litecoin/Dogecoin APIs
Not available
Ethereum API
Not available
Webhook Address Monitoring
Not available
Transaction Builder
Not available
Multisig Support
Not available
Unconfirmed TX Confidence Score
Not available
Address Forwarding
Not available
Private Test Blockchain
Not available
RPC Node Access
Not available
Staking API
Not available
MPC Wallet API
Not available
Blockchain Data Indexing
Not available
Event Streaming (Chain Watch)
Not available
Multi-Chain Support
Not available
USSD/Mobile Money
Not available
Fiat On/Off Ramp
Not available
Nigerian Naira Support
Not available
Crypto-to-NGN Auto Settlement
Not available
Stablecoin Acceptance (USDT/USDC)
Not available
Bitcoin & Ethereum Acceptance
Not available
Unique Deposit Address Per Customer
Not available
Wallet Balance Management
Not available
Ghana (GHS) Settlement
Not available
Developer Markup (Revenue Share)
Not available
NGN On-Ramp (Buy Crypto)
Not available
International Bank Wire
Not available
In-person POS
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
Recurring / Subscription Billing
Not available
Card Payments (3DS + 2FA)
Not available
Internet Banking Transfers
Not available
Subscription Billing
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
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
Virtual Account Issuance
Not available
Bank Payouts (NIP)
Not available
Transaction History & Verification
Not available
BVN Verification (CarbonIVS)
Not available
NIN Verification (CarbonIVS)
Not available
Passport Verification (CarbonIVS)
Not available
Voter ID Verification (CarbonIVS)
Not available
KYC Dashboard Reporting
Not available
Lending/Credit API
Not available
View Details

Vtunaija API

Pricing
Free API access; commission-based transaction fees
Domestic Payment Processing
Not available
Multi-Channel Payments
Not available
Bank API Connectivity
Not available
Enterprise Payment Automation
Not available
PCI-DSS Compliance
Not available
Webhooks
Available
USSD Payments
Not available
Crypto Payments
Not available
Consumer Checkout Widget
Not available
Free Tier
Not available
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
Airtime Top-up
Available
Data Bundle Purchase
Not available
Multi-Network Support
Not available
Electricity Bills
Available
Cable TV Subscription
Available
Internet Services
Not available
Betting Services
Not available
Education Services
Not available
Insurance Payments
Not available
Instant Settlement
Not available
Sandbox Environment
Not available
Bulk Processing
Not available
Transaction History
Available
Real-time Balance
Not available
API Documentation
Available
Developer Support
Not available
Status Notification
Not available
Multiple Payment Methods
Not available
Fraud Detection
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
Data Bundles
Available
Bulk Top-up
Available
Instant Delivery
Available
Customer Support
Available
Card Payments
Not available
Bank Transfer Checkout
Not available
Mobile Money Payments
Not available
Payouts / Transfers
Not available
BVN Verification
Not available
NIN Verification
Not available
CAC Business Verification
Not available
Exchange Rate API
Not available
Sandbox with Test Cards
Not available
Recurring Billing
Not available
Split Payments
Not available
Mobile Money
Not available
Direct Debit
Not available
Cash Collections
Not available
Virtual Accounts
Not available
International Cards
Not available
Multi-Country African Acquiring
Not available
Transactional email sending
Not available
Automatic SPF/DKIM/DMARC setup
Not available
Sandbox mode (full API parity)
Not available
Signed HMAC webhooks
Not available
Idempotent send requests
Not available
Open & click tracking (opt-in per project)
Not available
Templates (MJML/Handlebars)
Not available
Scheduled sends
Not available
Suppression lists (automatic hard-bounce handling)
Not available
Team roles & audit logs
Not available
Dedicated IPs (Growth tier+)
Not available
NDPR compliance tooling (DPA, retention, erasure)
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
International Card Payments
Not available
FX / Multi-Currency Payments
Not available
Expense Management
Not available
Auto Reconciliation
Not available
NRS E-Invoicing
Not available
South Africa (Ozow EFT)
Not available
Card Issuance
Not available
Crypto Payment Acceptance
Not available
Crypto-to-NGN Off-Ramp
Not available
NGN-to-Crypto On-Ramp
Not available
Multi-Currency Treasury
Not available
Stablecoin Holdings
Not available
Wallet API
Not available
Corporate Card Issuance
Not available
Pan-African Corridors
Not available
Card Payment Acceptance
Not available
NGN Bank Transfer In (Direct)
Not available
Virtual Account Issuance (Fixed)
Not available
Virtual Account Issuance (Collection)
Not available
Bank Transfers (NIP)
Not available
Bulk Transfers
Not available
Airtime/Data Bills Payment
Not available
Electricity Bills Payment
Not available
Cable TV Subscription Payment
Not available
Dashboard Management
Not available
International Transfers
Not available
FX Conversion
Not available
Card Payments (Verve/Visa/Mastercard)
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
Card Payments (Local)
Not available
Payment Links
Not available
Invoicing
Not available
Multi-Currency (8 currencies)
Not available
Buy Cryptocurrency
Not available
Sell Cryptocurrency
Not available
Bitcoin Exchange
Not available
Ethereum Support
Not available
USDT Support
Not available
Multiple Currencies
Not available
Bank Deposits
Not available
Fast Transactions
Not available
Real-time Rates
Not available
Secure Wallets
Not available
Account Management
Not available
API Access
Not available
KYC Verification
Not available
Security Features
Not available
24/7 Support
Not available
Mock Endpoint Creation
Not available
Custom Response Rules
Not available
Real-time Request Inspector
Not available
Webhook Testing
Not available
Request Body Capture
Not available
Conditional Logic
Not available
API Proxy Mode
Not available
No Registration (Basic)
Not available
Ethereum RPC
Not available
Bitcoin RPC
Not available
Solana RPC
Not available
BNB Smart Chain
Not available
50+ Chains
Not available
WebSocket
Not available
Mass Payouts (200+ countries)
Not available
White-Label Payee Registration
Not available
Multi-Currency Support
Not available
NGN Bank Withdrawal (Nigeria)
Not available
OAuth 2.0 Authentication
Not available
Marketplace Payment Integration
Not available
Direct Nigerian Payment Collection
Not available
NGN Local Checkout
Not available
Local Payment Method Collections
Not available
Global Payouts
Not available
Multi-Currency Wallets
Not available
Card Issuing
Not available
Sandbox
Not available
NGN Direct Local Checkout
Not available
File Upload
Not available
File Download
Not available
Folder Management
Not available
Shared Links
Not available
File Metadata
Not available
Chunked Upload
Not available
Dropbox Paper API
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
Repository CRUD
Not available
Issue Management
Not available
Pull Request Management
Not available
GitHub Actions
Not available
Code Search
Not available
OAuth 2.0
Not available
GraphQL API
Not available
Polygon, Arbitrum, Base, Optimism
Not available
BNB Smart Chain RPC
Not available
WebSocket Subscriptions
Not available
QuickAlerts Webhooks
Not available
NFT Add-on
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
DEX Token Prices (Solana)
Not available
OHLCV Price History
Not available
Wallet Portfolio Tracker
Not available
Token Security Score
Not available
Trending & New Tokens
Not available
Liquidity Pool Data
Not available
Trader Activity Analysis
Not available
Multi-chain Support
Not available
Token Metadata
Not available
Price Alerts (Webhooks)
Not available
Wallet Token Balances
Not available
NFT Portfolio by Wallet
Not available
DeFi Positions
Not available
Token Price Data
Not available
Real-time Streams (Webhooks)
Not available
EVM + Solana Support
Not available
ENS Resolution
Not available
Event creation
Not available
Ticket sales
Not available
Attendee management
Not available
Event search
Not available
SMS to Nigerian Networks
Not available
WhatsApp Business API
Not available
Voice Calls
Not available
Email
Not available
DND Bypass (Transactional)
Not available
OTP/Verification API
Not available
NGN Pricing
Not available
USSD
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
React & React Native SDKs
Not available
Unity/Unreal SDK (Gaming)
Not available
Cross-Border Payouts (190+ countries)
Not available
Multi-Currency Collections (35+ markets)
Not available
Virtual Card Issuance (30+ countries)
Not available
Real-Time FX Rates
Not available
Sandbox Testing
Not available
Mass/Bulk Payout
Not available
NGN Direct Collection
Not available
Consumer-Facing Checkout
Not available
Enhanced Transaction Parsing
Not available
DAS API (NFT Data)
Not available
Webhooks (Address Monitoring)
Not available
Priority Fee API
Not available
Archive Node
Not available
EVM Chains
Not available
Webhook sending/receiving
Not available
Automatic retries
Not available
Rate limiting
Not available
Static IPs
Not available
Ethereum RPC Node
Not available
Polygon RPC
Not available
NFT API
Not available
Token API
Not available
Transaction Webhooks
Not available
Debug and Trace APIs
Not available
Payment Processing
Not available
Bank Transfer
Not available
Cross-border Transfers
Not available
Multi-currency
Not available
Virtual Cards
Not available
Payouts
Not available
Wallet Services
Not available
SDK Support
Not available
Real-time Reporting
Not available
KYC Integration
Not available
Cryptocurrency Trading
Not available
Buy Bitcoin
Not available
Buy Ethereum
Not available
Buy Ripple
Not available
Sell Crypto
Not available
Multi-currency Wallets
Not available
Market Data
Not available
Price Information
Not available
Deposit/Withdraw
Not available
Bank Transfers
Not available
Order Management
Not available
Real-time Quotes
Not available
Authentication
Not available
Multi-wallet Connection (300+)
Not available
Embedded Wallets (Email/Social)
Not available
MFA Support
Not available
Token/NFT Gating
Not available
User Management Dashboard
Not available
Conversion Analytics
Not available
Allowlist & Blocklist
Not available
Custom UI Theming
Not available
Multi-chain Blockchain Data
Not available
HD Wallet Management
Not available
Address Monitoring & Webhooks
Not available
NFT Data
Not available
Token Balances & Info
Not available
Mempool Monitoring
Not available
Transaction Broadcasting
Not available
Smart Contract Events
Not available
Testnet Support
Not available
Multi-chain Wallet Generation
Not available
Transaction Signing & Broadcasting
Not available
Virtual Account System
Not available
NFT Minting & Management
Not available
ERC-20/BEP-20 Token Operations
Not available
DeFi Swap Integration
Not available
Webhook Notifications
Not available
Exchange Rate Data
Not available
100+ Chain Support
Not available
Bitcoin REST API
Not available
Litecoin/Dogecoin APIs
Not available
Ethereum API
Not available
Webhook Address Monitoring
Not available
Transaction Builder
Not available
Multisig Support
Not available
Unconfirmed TX Confidence Score
Not available
Address Forwarding
Not available
Private Test Blockchain
Not available
RPC Node Access
Not available
Staking API
Not available
MPC Wallet API
Not available
Blockchain Data Indexing
Not available
Event Streaming (Chain Watch)
Not available
Multi-Chain Support
Not available
USSD/Mobile Money
Not available
Fiat On/Off Ramp
Not available
Nigerian Naira Support
Not available
Crypto-to-NGN Auto Settlement
Not available
Stablecoin Acceptance (USDT/USDC)
Not available
Bitcoin & Ethereum Acceptance
Not available
Unique Deposit Address Per Customer
Not available
Wallet Balance Management
Not available
Ghana (GHS) Settlement
Not available
Developer Markup (Revenue Share)
Not available
NGN On-Ramp (Buy Crypto)
Not available
International Bank Wire
Not available
In-person POS
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
Recurring / Subscription Billing
Not available
Card Payments (3DS + 2FA)
Not available
Internet Banking Transfers
Not available
Subscription Billing
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
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
Virtual Account Issuance
Not available
Bank Payouts (NIP)
Not available
Transaction History & Verification
Not available
BVN Verification (CarbonIVS)
Not available
NIN Verification (CarbonIVS)
Not available
Passport Verification (CarbonIVS)
Not available
Voter ID Verification (CarbonIVS)
Not available
KYC Dashboard Reporting
Not available
Lending/Credit API
Not available
View Details

← Swipe to compare all 5 APIs →

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Ceviant Payments

Ceviant Payments

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

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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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VTpass API

VTpass API

VTpass is a dedicated Value Added Services (VAS) platform providing a unified API for developers to natively integrate utility bill payments and digital services directly into their applications. The VTpass API enables automated airtime vending (MTN, Airtel, Glo, 9mobile), data subscription bundles, electricity bill payments across Nigerian DisCos, cable TV subscription renewals (DStv, GOtv, Startimes), and other utility services. Nigerian fintech apps, mobile money platforms, and business solutions use VTpass to offer comprehensive utility payment services without building separate integrations for each provider.

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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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Vtunaija API

Vtunaija API

Nigerian VTU platform with comprehensive service coverage including airtime, data, bill payments, and exam pins. Vtunaija provides good customer support and developer-friendly APIs. Serves multiple needs beyond standard VTU including exam registration pin sales for JAMB, WAEC, and other educational institutions.

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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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SendByte

SendByte

SendByte is a transactional email API built specifically for African developers and businesses, distinguished from global providers like SendGrid, Mailgun, and Resend by fixed Naira-denominated pricing that doesn't move when the exchange rate does — SendByte absorbs the FX risk itself rather than passing dollar-price volatility on to Nigerian customers. The platform is positioned explicitly as "a Naira-priced Resend for Africa," targeting the gap between expensive dollar-billed global email APIs and local options that are mostly no-code dashboards or narrow OTP-token add-ons rather than full transactional email infrastructure. Infrastructure is hosted in Africa rather than a US region, with API ingestion at the Nigerian edge via Cloudflare (~50ms) rather than routing through Virginia or Europe. This matters for Nigerian fintechs and SaaS platforms with NDPR (Nigeria Data Protection Regulation) obligations, since data residency is built into the core product rather than requiring a separate compliance workaround. The platform advertises AES-256 encryption at rest, TLS 1.2+ in transit, and audit logs on every dashboard action. Domain authentication (SPF, DKIM, and DMARC) is generated and verified automatically rather than left to the developer to configure by hand — SendByte provides the DNS records to add, checks them automatically, and manages per-domain sender reputation with a branded Return-Path. New sending domains go through a warm-up period, with real-time status visible in the dashboard rather than being a black box. Deliverability is measured, not just promised: SendByte runs seed inboxes at the major providers Nigerian users actually use (Gmail, Outlook, Yahoo, iCloud Mail, Zoho Mail) and reports where mail actually lands as a dashboard metric, rather than relying on a generic industry-wide deliverability claim. Every email's full lifecycle — queued, sent, delivered (with the actual SMTP response from the receiving server), opened, clicked, bounced, or complained — is visible as a timeline, with open and click tracking available per project (off by default, so OTP and receipt sends can stay untracked for privacy). The API surface is deliberately small: one POST request to send an email, with sub-100ms API response time since delivery itself happens asynchronously. Every lifecycle event (queued, sent, delivered, opened, clicked, bounced, complained) is delivered as an HMAC-signed, replayable webhook, and every API error follows one consistent shape with a link to its own documentation page. Idempotency keys on the send endpoint mean a request can be safely retried without risk of double-sending. A full-parity sandbox mode (using sk_test_ keys) simulates the entire pipeline — including visible logs — without requiring a verified domain or sending real email, letting a developer send their first test email within minutes of signing up. Official typed SDKs are available for Node.js, Python, PHP, and Go, with a Ruby SDK on the public roadmap; a plain REST API (api.sendbyte.africa/v1) covers every language not directly supported. Documentation is hosted on Mintlify with a full API reference, SDK guides, and step-by-step guides for domain verification, webhooks, and idempotency. Billing is Naira-denominated across every tier and paid via Paystack or Flutterwave on a normal Nigerian card, activating within about a second with no invoices to chase. The free tier (3,000 emails/month, no card required) is enough to fully evaluate the product; paid tiers scale from ₦2,000/month up to ₦200,000/month for 1 million emails/month with a 99.9% uptime SLA, and a pay-as-you-go option (₦300 per 1,000 emails, ₦1,000 minimum top-up, balance never expires) suits low-volume production apps that don't want a monthly commitment. Add-ons (dedicated IPs, extra log retention, a custom tracking domain, an NDPR Data Processing Agreement, and managed IP warm-up) are priced the same fixed-Naira way rather than bundled into opaque enterprise tiers.

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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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Busha

Busha

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

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Bloc

Bloc

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

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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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ErcasPay

ErcasPay

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

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Yellow Card API

Yellow Card API

African cryptocurrency on/off-ramp platform with strong peer-to-peer (P2P) focus and merchant payment APIs. Yellow Card specializes in fiat-to-crypto and crypto-to-fiat conversions across Africa with excellent user experience. Provides merchant and API integrations for businesses wanting to accept and process cryptocurrencies across African markets.

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Beeceptor

Beeceptor

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

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GetBlock

GetBlock

GetBlock is a blockchain node provider offering shared and dedicated RPC node access for over 50 cryptocurrencies and blockchains with straightforward pricing and a clean developer experience. Founded in 2019, GetBlock has built a reputation as an accessible, budget-friendly node provider that covers the most commonly needed blockchains — Ethereum, Bitcoin, BNB Smart Chain, Solana, Polygon, Tron, and others — at prices significantly lower than premium providers like Alchemy or QuickNode for equivalent throughput. For Nigerian blockchain developers who are cost-conscious and need reliable multi-chain RPC without the premium pricing of top-tier providers, GetBlock offers a practical middle ground. The free plan (60,000 requests per day across all chains) is sufficient for active development and low-traffic production. Paid plans starting at $9/month provide substantially higher daily limits at prices that fit startup budgets. The API key authentication model is simple — a single API key provides access to all supported chains. Endpoint URLs follow the format: chain.getblock.io/API_KEY/mainnet/ (or testnet/ for test environments). This consistency simplifies multi-chain application configuration. WebSocket endpoints are available alongside HTTP for real-time subscription support. GetBlock covers the full standard JSON-RPC interface for each supported blockchain, meaning any code written for standard Ethereum RPC, Solana RPC, or Bitcoin Core RPC is compatible with GetBlock endpoints without modification. The drop-in compatibility allows Nigerian developers to switch to GetBlock from another provider or start fresh with well-documented standard methods. Shared node plans use pooled infrastructure where multiple users share node capacity, while dedicated node plans provide isolated infrastructure for production applications requiring guaranteed throughput. For Nigerian startups in early stages, shared nodes are cost-effective; for production applications with predictable high volume, dedicated nodes provide the reliability needed. GetBlock is a practical starting choice for Nigerian developers who want multi-chain access at minimal cost. GetBlock's multi-chain support spans over 40 blockchains including Ethereum, Bitcoin, BNB Smart Chain, Polygon, Solana, Avalanche, Tron, and many others — making it one of the broadest chain catalogs among node providers. This breadth is valuable for Nigerian Web3 developers building cross-chain applications or exploring multiple ecosystems without committing to separate providers for each chain. The free tier provides 40,000 requests per day at no cost, sufficient for development and light production use on a single project. Paid plans scale the daily request limit and add dedicated node access for applications requiring guaranteed performance without shared infrastructure limits. GetBlock's API follows the standard JSON-RPC protocol for each blockchain, meaning existing code written against other node providers works without modification when switching to GetBlock. For Nigerian developers migrating from other providers or using code examples from blockchain documentation, this compatibility reduces integration friction. Archive node access is available for chains that support it, enabling queries against historical blockchain state at any block height. This is essential for analytics applications, portfolio trackers, and compliance tools that need to reconstruct historical balances and transaction histories — common requirements for Nigerian fintech and investment platforms building blockchain data features.

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Payoneer Payout API

Payoneer Payout API

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

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Rapyd Payout API

Rapyd Payout API

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

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Dropbox

Dropbox

The Dropbox API provides developers with programmatic access to Dropbox cloud storage, enabling applications to upload, download, search, move, and share files and folders stored in users' Dropbox accounts. With hundreds of millions of users worldwide and strong adoption among professionals and teams across Nigeria who use Dropbox for file backup, cross-device synchronization, and team collaboration, the Dropbox API opens up a rich ecosystem of integrations with one of the world's most recognized cloud storage platforms. Dropbox API v2 is organized around several core namespaces reflecting different aspects of the Dropbox platform: Files for core file and folder operations, Sharing for link and collaboration management, Users for account information, Paper for Dropbox Paper documents (collaborative notes), and Team for Dropbox Business team management. This organized API surface makes it easy for developers to identify and work with the specific parts of Dropbox they need for a particular integration. File operations through the Dropbox API cover the complete lifecycle of file management: uploading files (with session-based chunked upload for large files), downloading file content, listing folder contents, creating folders, moving and copying files and folders, deleting items, restoring deleted files from the trash, and retrieving file metadata including content hash, size, modification date, and revision history. The chunked upload mechanism for large files supports reliable uploads in poor network conditions by splitting large files into smaller chunks that can be independently retried. Search functionality in the Dropbox API allows applications to query file and folder names within a user's Dropbox, with filtering by file extension and folder path. For Nigerian productivity applications, document management tools, and workflow automation platforms that integrate with Dropbox, the ability to programmatically search for specific files without loading entire folder trees is a practical capability. Shared links are a core Dropbox sharing mechanism, and the API provides full management of shared links: creating links with configurable expiration dates and passwords, retrieving metadata about existing links, revoking links, and listing all shared links in an account. For Nigerian businesses sharing documents with clients, partners, or external collaborators via Dropbox links, programmatic link management allows application-layer automation of content distribution workflows. File requests allow Dropbox users to collect files from others without those others needing their own Dropbox accounts. Through the API, applications can create file request links that direct recipients to a specific upload destination in the creator's Dropbox. This is useful for Nigerian businesses collecting submissions, applications, portfolios, or deliverables from clients and vendors who may not use Dropbox themselves. Dropbox supports webhooks for real-time change notifications. Applications can register a webhook endpoint to receive notifications when files in a linked Dropbox account or folder change, allowing reactive workflows that process or sync content as it updates rather than polling for changes on a schedule. For Nigerian automation tools, content pipelines, and sync applications, webhook-based change detection enables efficient event-driven architectures. The Dropbox SDK is available for Python, JavaScript, Java, Swift, Objective-C, and .NET, covering the major platforms Nigerian developers work on. OAuth 2.0 powers authentication with support for both authorization code flow (for user-facing apps) and the app permission model for team and personal app access. Dropbox also supports offline access through long-lived access tokens for trusted applications, reducing the friction of token refresh in background processing scenarios. For Nigerian developers and businesses, Dropbox integration is particularly relevant when building tools for teams that already use Dropbox as their primary file sharing and backup platform. Document collaboration workflows, automated file organization tools, content approval pipelines, and backup management dashboards all benefit from Dropbox API integration as a way to programmatically interact with files the team already manages in Dropbox.

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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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GitHub

GitHub

The GitHub REST API provides programmatic access to virtually every aspect of GitHub — repositories, issues, pull requests, branches, commits, GitHub Actions workflows, organizations, teams, users, and the GitHub Marketplace. As the world's largest code hosting platform with over 100 million developers, GitHub's API is foundational infrastructure for developer tools, CI/CD systems, and engineering automation. Repository management through the API covers creating, updating, and deleting repositories, managing branches and tags, uploading and downloading file contents, listing commit history, searching code, and managing repository settings. This enables automation of common repository operations that would otherwise require manual GitHub web interface interaction. Issues and pull request management provide the full lifecycle: creating issues, updating issue state, assigning reviewers, adding labels, leaving comments, merging pull requests, and querying open issues by filters. These capabilities are the foundation for developer productivity tools — bots that triage incoming issues, automation that assigns reviewers based on file ownership, dashboards that aggregate PR status across multiple repositories. GitHub Actions integration through the API allows triggering workflow runs programmatically, monitoring workflow run status, downloading build artifacts, and managing repository secrets used by workflows. CI/CD systems can trigger GitHub Actions workflows from external events and monitor their completion. The Webhook system provides real-time event notifications when repository events occur — push, pull request, issue created, deployment, release, and dozens of others. This enables external systems to react immediately to GitHub events without polling. For Nigerian development teams, the GitHub API unlocks powerful automation that reduces manual overhead. Automatically assigning pull request reviewers based on changed files, posting deployment notifications to team messaging apps when releases are tagged, generating changelog documents from merged PR titles, and monitoring team productivity metrics from commit and PR data — all possible through the API. Nigerian developer education platforms and bootcamps can use the GitHub API to build student portfolio features — automatically pulling repository metadata, commit activity, and project descriptions from students' GitHub profiles to populate portfolio pages without manual data entry. Authentication uses Personal Access Tokens for simple scripts and server-to-server automation, or OAuth 2.0 for applications that act on behalf of users. The rate limit of 5,000 requests per hour per authenticated user is sufficient for most integration scenarios. The GitHub GraphQL API (available alongside the REST API) provides more flexible data fetching than REST — allowing developers to request exactly the fields they need in a single query, avoiding both over-fetching (receiving unnecessary data) and under-fetching (requiring multiple requests to assemble needed data). For Nigerian developer tools with performance constraints, GraphQL's efficiency advantage over REST can meaningfully reduce response times and bandwidth usage. GitHub Copilot and the GitHub Marketplace API provide extension points for building developer tools that integrate with GitHub's AI and third-party ecosystem. Nigerian ISVs building developer productivity tools can publish to the GitHub Marketplace, giving their tools distribution through the GitHub platform to millions of developers globally. The Repository Traffic API provides metrics on repository visitors, clones, and popular content — useful for Nigerian open source maintainers and developer relations teams monitoring the reach and adoption of their public repositories. Understanding where visitors come from and which content drives the most engagement informs documentation and community investment decisions.

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QuickNode

QuickNode

QuickNode is a managed blockchain infrastructure platform providing fast, reliable RPC node access for over 35 blockchains through a single developer account and unified management dashboard. Founded in 2017 and headquartered in Miami, QuickNode serves thousands of developers and enterprises globally, powering Web3 applications across DeFi, NFTs, gaming, payments, and infrastructure. For Nigerian blockchain developers, QuickNode is a strong alternative to Alchemy, particularly valued for its breadth of chain support, the add-on marketplace that extends functionality beyond basic RPC, and competitive pricing on paid plans. The 35+ blockchain coverage is one of QuickNode's key differentiators. Beyond the major EVM chains (Ethereum, Polygon, Arbitrum, Optimism, Base, BNB Smart Chain), QuickNode supports non-EVM chains including Solana, Avalanche, Near, Fantom, Tron, XRPL, Stellar, Celo, Harmony, and Bitcoin (full node and Electrum). For Nigerian developers building multi-chain applications or exploring newer blockchain ecosystems, having access to all these chains from a single provider simplifies infrastructure management significantly. The add-on marketplace is a distinctive QuickNode feature that extends basic RPC functionality with specialized data services. Add-ons can be enabled per endpoint from the dashboard, including: NFT Fetch for NFT metadata and ownership data, Token and Address Analytics for wallet portfolio tracking, DeFi price feeds, Solana priority fee recommendations, transaction simulation, and more. These add-ons are billed as extensions to the base node plan, allowing Nigerian developers to enable exactly the functionality they need without paying for unused features. QuickAlerts is QuickNode's webhook notification system for blockchain events. Developers configure alerts based on transaction patterns — address activity, smart contract event emissions, NFT transfers, token transfers — and QuickNode delivers webhooks when matching activity occurs on-chain. For Nigerian crypto applications tracking user deposits, DeFi protocol event monitoring, or blockchain payment confirmation, QuickAlerts eliminates polling and enables real-time application responses to blockchain events. WebSocket endpoints allow maintaining persistent connections for real-time blockchain data subscriptions — new block headers, pending transactions in the mempool, event log subscriptions, and account state changes. WebSocket subscriptions are essential for Nigerian applications that display live blockchain data (current gas prices, live transaction feeds, real-time price updates from on-chain oracles) to users. The dashboard analytics provide visibility into endpoint usage — request volume, methods called, error rates, latency histograms — helping Nigerian developers monitor their application's blockchain infrastructure consumption and optimize usage to stay within plan limits. Low-latency global endpoints with geographically distributed node infrastructure ensure that Nigerian developers and their users get responsive blockchain data. QuickNode's edge network routes requests to the nearest available nodes, reducing round-trip latency for blockchain queries originating from Nigerian applications. Pricing starts with a free plan (one endpoint per chain, rate-limited) and scales through paid plans starting at $9/month for higher request throughput and multiple endpoints. Nigerian developers building production applications with significant user volume typically require paid plans to ensure adequate request capacity. Enterprise plans with dedicated infrastructure are available for high-volume deployments. QuickNode is particularly well-suited for Nigerian Web3 developers who need access to multiple chains simultaneously, value the add-on marketplace for data enrichment, or are building non-EVM chain applications (particularly Solana) where QuickNode has strong node infrastructure and tooling.

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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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Birdeye

Birdeye

Birdeye is the most comprehensive DeFi data aggregator for Solana and multi-chain decentralized exchanges, providing real-time and historical price data, wallet portfolio analytics, token security assessments, liquidity pool information, and trader activity analysis. As Solana has grown into a major DeFi ecosystem — with billions of dollars in trading volume across Raydium, Orca, Jupiter, and other DEXes — the need for reliable aggregated price data has grown with it. Birdeye fills this need by indexing every token pair on every major Solana DEX and providing that data through a clean, well-documented REST API. For Nigerian developers building Solana trading tools, DeFi dashboards, and crypto analytics platforms, Birdeye is the essential data layer. Nigeria's crypto community has a significant Solana presence, driven by Solana's low transaction fees (fractions of a cent), fast confirmation times (sub-second), and vibrant meme coin and DeFi ecosystem. Nigerian traders who participate in Solana DeFi — trading tokens on Jupiter aggregator, providing liquidity on Raydium, or hunting for new token launches — need data tools that cover the Solana ecosystem comprehensively. Birdeye is the API that powers most of the Solana trading terminals and analytics tools these traders use. Token price data through Birdeye covers every token with liquidity on Solana's DEXes — not just the top 100 listed on centralized exchanges, but every long-tail SPL token that trades on-chain. For any token address, Birdeye returns the current price in USD and SOL, 24-hour price change, 24-hour trading volume, and market cap (where calculable). This broad coverage is essential for Nigerian developers building tools for traders who venture into small-cap and newly launched Solana tokens. OHLCV (open, high, low, close, volume) price history is available for any Solana token, with multiple time resolutions: 1 minute, 5 minutes, 15 minutes, 1 hour, 4 hours, 1 day, and 1 week. This data is the foundation for rendering candlestick charts in trading terminals and analytics dashboards. For Nigerian fintech developers building charting tools, Birdeye's OHLCV endpoint with Solana tokens fills the gap that traditional crypto data APIs (CoinGecko, CMC) leave unfilled — those platforms only track tokens listed on major exchanges, missing most Solana DeFi tokens. Wallet portfolio endpoints return all token holdings for a given Solana wallet address with current USD values. Nigerian portfolio tracker applications can display a user's entire Solana DeFi portfolio — including LP tokens, staking positions, and long-tail tokens — in a single API call. Birdeye also provides wallet trade history, showing every buy and sell executed from a wallet address with entry prices, exit prices, and P&L calculations. Token Security scoring assesses each token for risk indicators: is the contract renounced or upgradeable? Are there mint authority risks? Is liquidity locked? What is the concentration of top holders? For Nigerian retail investors exploring new token launches on Solana — which can range from legitimate projects to outright scams — this security score is a critical guardrail. Applications surfacing new tokens to Nigerian users should always display the Birdeye security score alongside price data. Trending and new token endpoints surface recently launched tokens and tokens with rapidly increasing trading volume — the data layer for discovery features in trading apps. Liquidity pool data provides TVL, volume, and fee information for any liquidity pool across Solana DEXes. Multi-chain support extends Birdeye's coverage beyond Solana to Ethereum, BNB Chain, Arbitrum, Base, and other EVM chains, providing the same token-level price and analytics data for DeFi tokens across ecosystems. The free tier at 100 requests per minute is suitable for development and low-traffic applications, with Starter ($50/month) and Business ($199/month) plans for production-scale Nigerian applications.

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Moralis

Moralis

Moralis is a Web3 data API platform that provides pre-indexed blockchain data through simple REST API calls, eliminating the need for developers to build and maintain custom blockchain data indexing infrastructure. Instead of running a full node and writing custom scripts to parse and store blockchain events, Nigerian Web3 developers can call Moralis endpoints to retrieve pre-processed, structured data — wallet token balances, NFT portfolios, transaction histories, DeFi positions, and token prices — across multiple blockchains with millisecond response times. The fundamental challenge that Moralis solves is blockchain data access. Raw blockchain nodes provide event logs and state data in a low-level format that requires significant parsing and indexing work to transform into useful application data. Fetching all ERC-20 tokens held by a wallet address requires calling balanceOf on every token contract — impractical at scale. Fetching all NFTs owned by a wallet requires indexing every Transfer event across every NFT contract. Building this infrastructure from scratch takes weeks or months. Moralis has already built this indexing layer and exposes it through clean REST endpoints. Wallet API is the foundation — a single API call retrieves all native tokens (ETH, MATIC, BNB), all ERC-20 tokens with balances and USD values, and metadata for any wallet address across multiple chains simultaneously. This is the core of any portfolio tracking application. For Nigerian crypto users tracking their multi-chain holdings, Moralis provides the data layer that makes this possible without custom indexing. NFT API retrieves all NFTs owned by a wallet address, with metadata (name, description, image URL, attributes), collection information, current floor price, and transfer history. Building a Nigerian NFT gallery or NFT-gated application requires knowing which NFTs a user holds — Moralis provides this in one API call that would otherwise require custom event log indexing across thousands of NFT contract addresses. Transaction History API provides complete transaction history for any wallet — native transfers, ERC-20 token transfers, NFT transfers, internal transactions, and decoded smart contract interactions. For Nigerian blockchain applications showing users their transaction history, this eliminates the need to build custom transaction indexing and provides clean, decoded data rather than raw event logs. DeFi Positions API shows a wallet's current positions across major DeFi protocols — Uniswap, Aave, Compound, Curve, and others — including supplied assets, borrowed amounts, liquidity pool shares, and yield farming positions. For Nigerian DeFi users managing complex positions across protocols, a unified dashboard showing all DeFi exposure in one view requires exactly this cross-protocol position aggregation. Token Price API provides real-time and historical token prices sourced from on-chain liquidity (DEX pricing) for any ERC-20 token, including long-tail tokens not listed on major price aggregators. This is valuable for Nigerian DeFi applications displaying portfolio values and PnL calculations. Moralis Streams API provides real-time webhook notifications for blockchain events — address activity, token transfers, NFT mints, smart contract events — across all supported chains. Nigerian applications that need to react in real-time to on-chain events (payment receipt confirmation, NFT transfer, DeFi event) use Streams instead of polling. Chain support covers Ethereum, Polygon, BNB Smart Chain, Avalanche, Fantom, Cronos, Arbitrum, Optimism, and Solana. The breadth of coverage reflects the multi-chain reality of the current NFT and DeFi ecosystems where Nigerian users operate. The free tier (40,000 API calls per month) is sufficient for small production applications. For Nigerian developers building portfolio trackers, NFT marketplaces, DeFi dashboards, or any application requiring aggregated wallet data, Moralis dramatically reduces development time compared to building custom indexing from scratch.

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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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Sendchamp

Sendchamp

Sendchamp is a Nigerian-founded multi-channel customer messaging platform providing a unified API for SMS, WhatsApp Business, voice OTP, and email — built specifically for Nigerian and African market conditions, with NGN pricing, Nigerian carrier-optimized SMS delivery, DND bypass for transactional messages, and WhatsApp Business API access in a single developer-friendly platform. Sendchamp is one of the few platforms that natively combines all the messaging channels Nigerian businesses actually use — SMS for broad reach, WhatsApp for engagement, voice OTP for reliability — in one product built by a team that understands Nigerian telecommunications deeply. The SMS API delivers messages to all four Nigerian mobile networks (MTN, Airtel, Glo, 9mobile) with competitive NGN pricing, making it economically attractive for Nigerian businesses that previously found dollar-denominated global SMS platforms expensive at scale. Transactional messages use DND-bypass routes compliant with NCC regulations, ensuring OTPs, bank notifications, and health alerts reach all recipients. Promotional messages respect DND opt-outs. The same API key handles both routing scenarios, with the message type parameter determining which route is used. WhatsApp Business API through Sendchamp gives Nigerian businesses access to the Meta WhatsApp Business Platform with Sendchamp managing the business verification and API onboarding process. This is Sendchamp's most differentiated feature for the Nigerian market: WhatsApp has extraordinary penetration in Nigeria with almost universal usage among smartphone users, making WhatsApp the highest-engagement channel for customer communication. Sendchamp's WhatsApp API supports template messages (one-way notifications sent outside of conversation windows), session messages (customer service replies within 24-hour conversation windows), and interactive messages with buttons and list menus that drive user actions within WhatsApp. Voice OTP provides phone call verification as an alternative or fallback to SMS OTP. Sendchamp's voice OTP calls the recipient's number and reads the code using text-to-speech — a critical fallback for reaching Nigerian users on DND, users in areas with poor SMS delivery, or users who prefer call verification. Sendchamp's automatic OTP retry logic can fall back from SMS to voice after a configurable timeout, ensuring maximum verification success rates for Nigerian apps handling user authentication. Email delivery through Sendchamp provides transactional email delivery for Nigerian applications — account verification emails, password resets, order confirmations, and receipt delivery. Sendchamp manages email sending infrastructure including SPF/DKIM setup, IP reputation management, and bounce handling, so Nigerian developers focus on email content rather than email deliverability engineering. The Sendchamp dashboard provides a unified view of all channel analytics — SMS delivery rates, WhatsApp message read rates, email open rates, voice call success rates — giving Nigerian marketing and product teams a consolidated view of customer communication performance across all channels. Sendchamp pricing uses a freemium model with a free tier providing limited monthly messages to allow Nigerian startups to build and test without upfront costs. Paid plans are priced in NGN with pricing tiers based on monthly message volume, scaling affordably from startup to enterprise. The combination of Nigerian-native understanding, multi-channel API in one platform, and NGN pricing makes Sendchamp one of the top choices for Nigerian businesses building customer communication infrastructure.

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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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Nium Payout API

Nium Payout API

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

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Helius

Helius

Helius is the leading developer platform for Solana, providing enhanced RPC node access, purpose-built Solana APIs, webhooks for real-time event monitoring, and developer tooling specifically designed for the Solana blockchain ecosystem. Founded in 2022 and rapidly adopted by many of the top Solana protocols and applications, Helius fills the same role in the Solana ecosystem that Alchemy or Moralis fills in the Ethereum ecosystem — transforming raw RPC access into developer-friendly, high-level APIs that reduce the complexity of building on Solana. Solana is one of the fastest and cheapest smart contract blockchains, with transaction fees typically below $0.001 and confirmation times under 1 second. These characteristics make Solana particularly attractive for Nigerian users and developers who need high-frequency, cost-efficient transactions. DeFi applications, NFT marketplaces, payments, and gaming on Solana are accessible to Nigerian users at a fraction of the cost of Ethereum mainnet interactions. Helius provides the infrastructure foundation for building these applications. The enhanced transaction parsing API is Helius's most immediately valuable feature for application developers. Raw Solana transactions contain instruction data that is difficult to interpret without knowing the specific program being called. Helius parses these raw instructions into human-readable transaction descriptions — identifying token swaps on DEXes, NFT purchases and sales, liquidity provision events, token transfers, and other activity types with clear labels and amounts. Nigerian applications showing users their transaction history can display meaningful descriptions rather than cryptic instruction data. The DAS (Digital Asset Standard) API provides standardized access to Solana NFT and compressed NFT data. Solana's compressed NFTs (cNFTs) are a technical innovation that reduces NFT minting and storage costs by orders of magnitude, enabling mass-scale NFT use cases. DAS API provides uniform access to both regular NFTs and compressed NFTs through a consistent interface, abstracting the underlying complexity. Nigerian NFT projects building on Solana benefit from this standardized data access for portfolio displays, marketplace listings, and NFT verification features. Webhooks via Helius allow real-time monitoring of Solana addresses and program interactions. When a specified wallet receives tokens, an NFT transfer occurs, or a smart contract event matches defined criteria, Helius delivers a webhook event to the application. This eliminates the need for Nigerian applications to poll the blockchain continuously, reducing both latency and API usage costs. The Priority Fee API provides real-time recommendations for Solana transaction priority fees — the additional micro-lamport payments that help transactions land faster during network congestion. For Nigerian applications where transaction confirmation speed matters to user experience, this API ensures fees are set appropriately without overpaying during normal conditions. Archive node access through Helius allows querying historical Solana state and transaction data at any past slot number — important for analytics applications, historical price data, and audit tools that need to reference the blockchain's past state. Standard Solana RPC nodes only retain recent state; archive queries require specialized infrastructure. The free tier (1 million credits per month) covers development and low-to-medium traffic production. Credits are consumed at different rates by different API endpoints — basic RPC calls consume fewer credits than enhanced parsing calls. Paid plans from $49/month scale to the throughput needs of larger applications. For Nigerian developers entering the Solana ecosystem, Helius is the recommended starting point — superior to Ankr or QuickNode for Solana-specific development due to the purpose-built enhanced APIs, active development by a Solana-native team, and deep integration with the Solana developer community.

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Convoy API

Convoy API

Open source webhooks gateway for reliable webhook delivery infrastructure. Convoy provides APIs for sending, receiving, and managing webhooks with automatic retries, rate limiting, static IPs, and webhook monitoring. Essential infrastructure for event-driven architectures and system integrations.

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Alchemy

Alchemy

Alchemy is a blockchain developer platform providing managed node infrastructure, enhanced blockchain APIs, and developer tools for building Web3 applications on Ethereum and other major blockchains. Founded in 2017 and backed by leading Silicon Valley investors, Alchemy powers some of the most prominent DeFi protocols, NFT marketplaces, and Web3 applications globally. For Nigerian blockchain developers, Alchemy is a top-tier choice for node infrastructure with a generous free tier, comprehensive multi-chain support, and developer tools that significantly reduce the complexity of building production-grade blockchain applications. The core of Alchemy is managed blockchain node access. Rather than running and maintaining their own Ethereum or Polygon nodes (which requires significant server infrastructure, ongoing maintenance, and expertise in blockchain node operation), developers connect to Alchemy's distributed node network via API endpoints. Alchemy's infrastructure handles node synchronization, client diversity, load balancing, and uptime — providing Nigerian developers with institutional-grade blockchain connectivity from day one without infrastructure investment. Multi-chain support covers Ethereum mainnet and testnets (Sepolia, Goerli), Polygon (MATIC), Arbitrum, Optimism, Base, Solana, and other chains. This breadth is essential for Nigerian Web3 developers building cross-chain applications or choosing low-fee chains like Polygon for users sensitive to Ethereum gas costs. Nigerian users are particularly gas-cost-conscious, making L2 chains like Polygon and Arbitrum critical for applications targeting Nigerian Web3 users, and Alchemy supports all of these through the same developer account. Enhanced APIs are what differentiate Alchemy from simple node providers. The NFT API provides pre-indexed NFT data — fetching all NFTs owned by an address, NFT metadata, collection floor prices, and transfer history — without requiring developers to build custom indexing infrastructure. The Token API returns ERC-20 token balances, metadata, and price data for any wallet address. The Transfers API provides historical transaction history for an address across all asset types. These enhanced endpoints replace weeks of custom indexing work with simple API calls, dramatically reducing development time for Nigerian blockchain developers. Alchemy Notify provides webhook-based real-time notifications for blockchain events — address activity alerts, dropped transactions, mined transaction confirmations, and gas price alerts. Instead of polling the blockchain every block to check for activity, Nigerian applications subscribe to Alchemy Notify webhooks and receive POST requests when specified events occur. This is critical for fintech and payment applications that need to react immediately when transactions confirm. The Alchemy SDK (JavaScript/TypeScript and Python) wraps the standard JSON-RPC interface with a typed, developer-friendly API and automatically handles retry logic, rate limiting, and authentication. Nigerian developers can call the same ethers.js or web3.js methods they already know, with Alchemy SDK as a drop-in enhancement that adds reliability and the enhanced API endpoints. Free tier provides 300 million compute units per month — a generous allowance that covers typical development workloads and low-to-medium traffic production applications. There are no hard rate limits on the free tier (unlike many competitors that throttle requests per second), which makes Alchemy suitable for Nigerian developers building applications that may have bursty traffic patterns. Paid plans at $49/month and above provide higher compute unit allowances and enhanced support. For Nigerian Web3 developers, Alchemy is the standard starting point for Ethereum and EVM chain development. The combination of reliable node infrastructure, enhanced data APIs, real-time webhooks, and a generous free tier makes it the most developer-friendly and feature-complete option in the managed node provider space.

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Klasha API

Klasha API

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

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Luno API

Luno API

Popular global cryptocurrency exchange with strong presence across Africa including Nigeria. Luno provides trading APIs, market data endpoints, and wallet integrations for developers. Good for applications needing crypto trading capabilities and market data integration. Supports both beginner and advanced traders.

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Dynamic

Dynamic

Dynamic is a Web3 authentication and wallet management platform built for product teams that want a polished, enterprise-grade user experience for wallet connection, embedded wallet creation, and Web3 user management. While other wallet connection libraries like RainbowKit and ConnectKit focus on the technical mechanics of wallet connection, Dynamic adds a full user management layer on top: analytics on user behavior, conversion tracking from visitor to connected wallet, allowlists, token gating, MFA, and a dashboard for managing your dApp's user base. For Nigerian Web3 startups and product teams that think seriously about user experience and product metrics, Dynamic offers capabilities far beyond basic wallet connection. Nigeria's Web3 user base is diverse — some users have MetaMask and hardware wallets, others are mobile-first users of Trust Wallet or Coinbase Wallet, and many are completely new to crypto and need embedded wallet creation via email or social login. Dynamic handles all of these users with one SDK. The wallet connection modal supports over 300 wallets and automatically detects which wallets are installed in the user's browser, presenting only relevant options and reducing confusion. Embedded Wallets in Dynamic create a self-custodial wallet secured by the user's email, Google, Apple, or other social authentication. The private key is managed through a distributed key system (similar to multi-party computation) that means no single server holds the complete key. Users can export their wallet's private key at any time, preserving true self-custody. For Nigerian consumer applications — e-commerce platforms, gaming, content monetization — embedded wallets convert any user into a Web3 participant without requiring any blockchain knowledge. Multi-Factor Authentication (MFA) is a security feature that Dynamic adds to Web3 wallets — something most wallet solutions omit. Nigerian businesses operating in regulated industries or handling high-value assets can require users to complete email or TOTP (Google Authenticator) 2FA before authorizing transactions. This adds a layer of security appropriate for Nigerian fintech and enterprise Web3 applications. Token and NFT gating allows Nigerian applications to restrict access to certain features, pages, or content based on on-chain ownership. A Nigerian DAO can gate its governance dashboard to holders of its governance token. A Nigerian creator can gate premium content to holders of their NFT collection. A Nigerian DeFi protocol can provide enhanced features to users holding more than a threshold of its native token. Dynamic's gating rules are configured in the dashboard without additional code. The User Management Dashboard gives Nigerian product teams visibility into their Web3 user base: how many wallets connected today, which wallet types are most popular, conversion rates through the onboarding funnel, and individual user activity. These analytics are typically absent from wallet connection libraries but are essential for product teams optimizing onboarding flows and retention. Webhooks allow Nigerian backends to receive real-time notifications when users connect wallets, complete authentication, or perform other events — enabling backend workflows like creating a database record for new users, triggering a welcome email, or updating a loyalty point balance when a wallet connects. The free tier supports up to 1,000 monthly active wallets — sufficient for Nigerian startups in early growth and hackathon projects. The Scale plan at $299/month supports up to 10,000 MAW with advanced analytics and priority support. Enterprise plans with custom pricing serve larger Nigerian Web3 platforms with compliance, SLA, and white-glove onboarding requirements.

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Crypto APIs

Crypto APIs

Crypto APIs is a comprehensive blockchain infrastructure platform providing REST API access to over 20 blockchain networks through a single integration, with a unified endpoint structure that covers blockchain data, wallet management, address monitoring, NFT data, token information, mempool monitoring, and market data. For Nigerian developers who need coverage of multiple chains — Bitcoin for savings, Ethereum for DeFi, Tron for cheap USDT transfers, BNB Chain for trading — Crypto APIs provides a one-stop solution that reduces integration complexity and development time significantly. Nigeria's crypto ecosystem is multi-chain by nature. Nigerian users route different activities through different chains based on transaction costs and speed: Bitcoin for large value transfers and savings, Tron TRC-20 for USDT because the fees are fractions of a cent, Ethereum for DeFi protocols, and BNB Chain for trading at lower gas costs than Ethereum. A Nigerian wallet or payment application serving real users must support this diversity. Without Crypto APIs, building multi-chain support means separate integrations, separate node providers, and separate documentation for every chain. Crypto APIs unifies everything. The Blockchain Data module provides address information, transaction details, and block data for all supported chains. For Bitcoin (and other UTXO chains), this includes UTXO sets, inputs, outputs, and confirmation counts. For Ethereum and EVM chains, this includes internal transactions, event logs, and contract data. The endpoint structure is consistent — the chain name appears in the URL path, but the request/response format is the same — making multi-chain development straightforward. HD (Hierarchical Deterministic) Wallet management covers the full lifecycle: create an HD wallet with a master key, generate receiving addresses, sync the wallet to discover used addresses and balances, and build transactions. Crypto APIs handles all the chain-specific derivation path details, ensuring compatibility with standard wallet specifications. For Nigerian fintech companies building custodial or semi-custodial wallets, this provides a managed wallet infrastructure without the complexity of implementing BIP32/BIP44 from scratch. Address monitoring and webhooks allow subscribing to blockchain events on specific addresses. When a monitored address receives a transaction — whether in the mempool (unconfirmed) or in a confirmed block — Crypto APIs delivers an HTTP webhook notification to the configured endpoint. For Nigerian payment processors and exchanges, this event-driven architecture replaces inefficient polling loops and provides near-real-time payment detection. Webhook events include new incoming transactions, confirmed transactions, and double-spend alerts. NFT data endpoints return metadata, ownership history, and transfer events for ERC-721 and ERC-1155 tokens on Ethereum and other EVM chains. Nigerian NFT platforms can query NFT ownership without building their own indexing infrastructure. Token information endpoints return ERC-20 and BEP-20 token details including name, symbol, decimals, total supply, and holder counts. Mempool monitoring provides visibility into unconfirmed transactions — useful for Nigerian applications that need to detect incoming payments before block confirmation, estimate fee rates for outgoing transactions, or monitor for double-spend attempts on high-value incoming payments. Market data endpoints return current and historical prices for thousands of cryptocurrencies against fiat currencies including USD and, for select providers, NGN. Exchange rates between crypto pairs are available for fee calculation and display purposes. The free tier provides 10,000 credits per month — sufficient for prototyping and low-traffic applications. The Startup plan at $49/month (100,000 credits) serves small Nigerian startups, while the Business plan at $149/month handles production traffic. Enterprise plans with custom SLAs are available for established Nigerian exchanges and financial institutions.

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Tatum

Tatum

Tatum is a blockchain-as-a-service platform providing a unified REST API that enables developers to interact with over 100 blockchain networks — including Bitcoin, Ethereum, BNB Chain, Tron, Solana, Polygon, Cardano, XRP, Dogecoin, and dozens more — through a single consistent API structure. Rather than learning the specific RPC interfaces, SDK libraries, and node management requirements for each blockchain, Nigerian developers using Tatum interact with every chain through the same endpoint patterns. This dramatically reduces the time required to build multi-chain cryptocurrency wallets, exchanges, and payment systems. Nigeria's position as Africa's largest crypto market means Nigerian developers frequently need to support multiple blockchains simultaneously. Nigerian users hold Bitcoin as a store of value, USDT on Tron for cheap transfers, Ethereum for DeFi access, and BNB Chain for affordable trading. A wallet application serving Nigerian users must support all of these chains. Without Tatum, building multi-chain support means separate integrations for each blockchain — different RPC formats, different transaction structures, different fee models, different SDK libraries. With Tatum, one API key and one consistent REST interface handles everything. Wallet generation through Tatum creates HD (hierarchical deterministic) wallets with master private keys and extended public keys for any supported blockchain. From a single mnemonic, developers can derive unlimited individual receiving addresses — the standard architecture for exchange and custodial wallet systems that need unique deposit addresses per user. Tatum handles the cryptographic complexity of key derivation for every chain, while the developer retains and stores the private key material securely. The Virtual Account system is Tatum's most powerful feature for exchange and wallet builders. Virtual accounts are an off-chain ledger system where user balances are tracked in Tatum's database rather than on the blockchain for every small transaction. Users can transfer balances between each other instantly and for free off-chain, while actual blockchain settlements happen in batches or when users withdraw. This is the architecture behind centralized exchanges — and Tatum makes it available to Nigerian exchange operators without building custom ledger infrastructure. Transaction broadcasting covers the full lifecycle: constructing a signed transaction (Tatum generates the raw transaction with correct nonce, gas, and fee parameters), signing it with the wallet's private key, and broadcasting it to the blockchain network. For Bitcoin, this means handling UTXO selection and change address management. For Ethereum, this means nonce management and gas estimation. Tatum abstracts all chain-specific mechanics. NFT operations include minting, transferring, burning, and querying NFTs across EVM chains and Solana. Nigerian NFT platforms can mint collections programmatically by calling Tatum's NFT API rather than deploying and managing smart contracts directly. Token operations support creating ERC-20 / BEP-20 tokens, transferring them, and checking balances — all through REST API calls. Webhook notifications alert Nigerian backend servers when specific blockchain events occur: incoming transactions to monitored addresses, transaction confirmations, NFT transfers, and smart contract events. This enables Nigerian exchanges and payment processors to detect deposits automatically without polling the blockchain. The free tier with 1 million credits per month and 5 requests per second is sufficient for Nigerian projects in early stages. Paid plans scale from $79/month to $599/month with higher throughput, and enterprise plans provide dedicated infrastructure with SLA guarantees for production Nigerian exchanges and fintech platforms.

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BlockCypher

BlockCypher

BlockCypher is a cloud-based blockchain API platform that provides REST API access to Bitcoin, Litecoin, Dogecoin, Dash, and Ethereum without requiring developers to run their own blockchain nodes. Running a full Bitcoin node requires significant hardware resources, continuous uptime, and weeks of initial blockchain synchronization. BlockCypher eliminates all of that — a Nigerian developer can query Bitcoin addresses, build and broadcast transactions, and monitor for payments within minutes of obtaining a free API token. For Nigerian fintech companies, payment processors, and wallet developers working with Bitcoin and other UTXO-based cryptocurrencies, BlockCypher is one of the most mature and reliable API options available. Nigeria is one of the top countries globally for peer-to-peer Bitcoin trading, driven by use cases including cross-border remittances (sending value internationally at low cost), savings in a stable digital asset (hedging against naira depreciation), and merchant payments. Nigerian developers building Bitcoin-related applications — wallets, payment gateways, OTC desks, remittance services — all need reliable API access to the Bitcoin network. BlockCypher's 99.99% uptime SLA and globally distributed infrastructure make it suitable for production Nigerian fintech applications. Address and transaction querying covers the fundamentals: get the balance and transaction history for any Bitcoin address, get details of any transaction by hash, and get block information by height or hash. The /addrs/{address}/balance endpoint returns confirmed and unconfirmed balances along with transaction counts — the data needed to display a wallet balance. The /txs/{hash} endpoint returns full transaction details including inputs, outputs, amounts, confirmations, and block information. BlockCypher's Confidence Factor is a unique feature for unconfirmed Bitcoin transactions. When a user sends Bitcoin but the transaction has not yet been included in a block (0 confirmations), BlockCypher analyzes the network's mempool, the transaction fee, and propagation patterns to estimate the probability that the transaction will be confirmed. A confidence of 99%+ on a zero-confirmation transaction is generally safe to act on for small amounts — useful for Nigerian merchants who want to provide faster payment confirmation experiences. Webhook notifications allow Nigerian applications to subscribe to address activity events: receive an HTTP POST notification when any transaction involving a monitored address is detected in the mempool or confirmed in a block. This is the foundation of any payment detection system — instead of polling the blockchain, the application registers a webhook and gets called when payment arrives. BlockCypher supports webhooks for new transactions, confirmations, double-spend attempts, and other events. The Transaction Builder API handles the complexity of UTXO transaction construction: selecting which unspent outputs to use as inputs, calculating change, and handling fee estimation. Nigerian developers can pass a list of sending addresses, destination addresses, and amounts, and BlockCypher returns a partially constructed transaction ready for signing. After signing with the private key locally, the transaction is submitted to BlockCypher for broadcasting. Multisig (multi-signature) transaction support allows building 2-of-3 or other threshold signature schemes — critical for Nigerian crypto custody solutions and escrow services that need multiple key holders to authorize fund movements. BlockCypher handles the technical complexity of multisig address creation and PSBT (partially signed Bitcoin transaction) workflows. The private BlockCypher Test Chain (bcy/test) is a custom test blockchain that produces blocks instantly and where test tokens can be obtained from a faucet for free. This allows Nigerian developers to test complete Bitcoin payment flows — including multiple confirmations and webhook delivery — without waiting for real Bitcoin testnet blocks. The free tier with an API token provides 200 requests per hour, sufficient for development and low-traffic production use. Paid plans scale to 30 requests per second (Micro at $20/month) and beyond for high-volume Nigerian applications.

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Blockdaemon

Blockdaemon

Blockdaemon is an enterprise blockchain infrastructure provider that offers the APIs, nodes, and custody tools powering the digital asset economy for regulated institutions and developers. Founded in 2017, Blockdaemon serves banks, asset managers, exchanges, fintechs, and Web3 developers who need production-grade blockchain infrastructure without the overhead of running their own nodes or managing validator keys. The company is ISO 27001, SOC 1 Type I, and SOC 2 Type II certified — making it one of the most compliance-ready blockchain infrastructure providers available. What the API Does The Blockdaemon API Suite comprises several products: (1) RPC API — low-latency JSON-RPC endpoints for reading and writing to supported blockchains including Ethereum, Solana, Cardano, NEAR, Sui, and TON among 12+ protocols; (2) Staking API — programmatically stake assets, manage validators, and retrieve staking rewards with compliance-ready reporting; (3) Wallet Transact (MPC Wallet API) — create and manage MPC (Multi-Party Computation) wallets for institutional key custody; (4) Chain Watch — real-time event streaming and blockchain data indexing for on-chain monitoring; (5) NFT API — metadata retrieval, ownership queries, and transfer history for NFTs across chains. How Developers Use It Developers sign up at app.blockdaemon.com, receive API keys immediately (no KYC for the free tier), and start making RPC calls to supported chains within minutes. The API is REST and JSON-RPC based. Authentication uses a Bearer Token (API key) in the Authorization header. Blockdaemon uses a Compute Unit (CU) model — different API operations cost different numbers of CUs depending on complexity. Simple balance queries cost fewer CUs than complex trace calls. Pricing Tiers Free: 3 million CU/month, 5 requests per second, 1 test key — suitable for development and prototyping. Starter: 15–65 million CU/month, 100 RPS, 10 live keys. Growth: 115–365 million CU/month, 200 RPS, overage at $0.000020/CU. Enterprise: 400M+ CU/month, custom RPS, 24/7 support, dedicated team, custom SLAs. Rate Limits Free tier: 5 RPS. Starter: 100 RPS. Growth: 200 RPS. Enterprise: custom. Limits apply per API key. Authentication API Key issued from app.blockdaemon.com passed as a Bearer Token in the Authorization header of each request. Multiple keys can be issued per account depending on tier. Compliance and Certifications Blockdaemon is ISO 27001 certified for information security management, SOC 1 Type I for financial controls, and SOC 2 Type II for security, availability, and confidentiality. This makes it suitable for regulated institutions such as banks and licensed fintechs in Nigeria that require auditable third-party infrastructure. Supported Protocols Ethereum, Solana, Cardano, NEAR Protocol, Sui, TON, Avalanche, Polygon, Bitcoin, Cosmos, Polkadot, and more — 12+ chains total. Nigeria Eligibility No geographic restrictions found in Blockdaemon documentation or terms. Nigerian developers can sign up with a standard email and begin using the free tier immediately. There is no requirement for a US bank account or restricted payment method for the free tier. Challenges and Gotchas (1) The Compute Unit model can be confusing — heavy workloads (trace calls, batch requests) consume CUs faster than expected. (2) Staking and MPC wallet products target institutional clients and may require enterprise contracts. (3) No fiat or NGN support — this is a pure crypto/blockchain infrastructure tool. (4) USSD and mobile money are not applicable to Blockdaemon. Company Background Blockdaemon was founded in 2017 and is headquartered in the United States. The company has raised over $300M in funding and counts major financial institutions among its clients. It manages hundreds of thousands of blockchain nodes globally. The company is a key infrastructure provider for institutional crypto adoption. FAQs Q: Can I use Blockdaemon for free in Nigeria? A: Yes. The free tier requires only an email signup and provides 3M compute units per month with no credit card needed. Q: Does Blockdaemon support Ethereum and Solana? A: Yes. Both are core supported chains with full RPC, staking, and indexing support. Q: Is Blockdaemon suitable for a consumer app? A: The RPC and NFT APIs are suitable for consumer apps. The MPC wallet and staking products are designed for institutional use. Q: What is a Compute Unit? A: A Compute Unit (CU) is a measure of API request complexity. Simple calls use fewer CUs; complex analytical queries use more. Blockdaemon publishes a CU cost table in their docs.

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Breet API

Breet API

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

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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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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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CarbonIVS

CarbonIVS

Carbon (OneFi Limited) is a Nigerian digital financial services company operating as Carbon Microfinance Bank, licensed and regulated by the Central Bank of Nigeria (CBN). Carbon offers two developer-facing API products: the Carbon Business API — a BaaS layer for virtual accounts, payouts, and transaction management — and CarbonIVS, an identity verification system that connects directly to Nigeria government identity databases including BVN, NIN, International Passport, Driver's Licence, and Voter Registration. What the APIs Do The Carbon Business API enables fintechs and businesses to issue virtual bank account numbers to customers (static or dynamic), initiate and monitor payouts to any Nigerian bank, retrieve transaction history, and receive webhook events for real-time transaction notifications. It is designed as a BaaS layer for building financial products on top of CBN-licensed infrastructure. CarbonIVS is a separate identity verification product that lets developers automate KYC flows by verifying users against all major Nigerian identity databases in real time. All verification results are reported on a dashboard in real time. CarbonIVS requests require AES encryption using your API key for additional security. How Developers Use It Developers access the API at docs.getcarbon.co. Authentication uses an API key passed via the x-carbon-key header. The sandbox base URL is carbonapistagingsecure.getcarbon.co/baas/api. Responses are JSON. To go live, businesses must complete Carbon onboarding and provide required compliance documents. Rate limits are not publicly documented — developers should contact Carbon support for current thresholds. Pricing Carbon does not publish pricing publicly. Both the Business API and CarbonIVS are enterprise products that require direct engagement with the Carbon sales team. A sandbox environment is available for testing at no cost. Authentication All API requests use an x-carbon-key header with your API key. CarbonIVS requests additionally require AES encryption of the payload using the API key for enhanced security during identity data transmission. Compliance Carbon operates as Carbon Microfinance Bank (RC 1642222), regulated by the Central Bank of Nigeria. This makes it one of the most credible BaaS providers in Nigeria for businesses requiring a licensed banking infrastructure partner. CBN mandates KYC compliance — Carbon handles this through CarbonIVS for its partners. Challenges and Gotchas (1) Pricing is not public — requires a sales call before you can estimate integration costs. (2) Business API and CarbonIVS are separate products with separate onboarding. (3) Rate limits undisclosed — must be requested directly. (4) AES encryption requirement for CarbonIVS adds implementation complexity. (5) Carbon is Nigeria-only — no cross-border or international payment support. Company Background Carbon was founded in Nigeria by Chijioke Dozie and is headquartered in Lagos at Plot 642C Akin Adesola Street. The company employs over 90 people and has served millions of Nigerian consumers through its personal finance app. The business API suite is a newer B2B offering targeting fintechs and enterprises needing CBN-backed infrastructure. FAQs Q: Is Carbon a bank? A: Yes. Carbon operates as Carbon Microfinance Bank, CBN-licensed and regulated. Q: Can I use Carbon API without being a Nigerian business? A: No. Carbon BaaS and CarbonIVS are designed for Nigeria-registered businesses operating in Nigeria. Q: Is there a sandbox? A: Yes. Sandbox access is available at carbonapistagingsecure.getcarbon.co. Q: What identity documents can CarbonIVS verify? A: BVN, NIN, International Passport, Driver's Licence, and Voter Registration card — all major Nigerian government IDs. Q: Do I need to encrypt requests for the Business API? A: AES encryption is specifically required for CarbonIVS identity verification calls. Standard Business API calls use the x-carbon-key header without additional encryption.