3 Best APIs for White-Label in Nigeria

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

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

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