Virtual Account
Dedicated transfer collections
Receive supported bank transfers through a dedicated virtual account assigned for your customer.
Get Started- Dedicated virtual account numbers
- Merchant API authentication
- Payment confirmation; D+1/T+1 settlement
- Real-time transaction tracking
Pay With Transfer (PWT)
Payment-specific transfer accounts
Create a payment-specific account and checkout link for supported PWT collections.
View PWT integration- Use the bank/account details returned for the payment
- Payment status and callback notifications
- Stable initialization keys for retries
- Payment-specific transfer account
USSD
No internet needed
Accept payments via USSD from any mobile phone, no internet required.
- No internet required
- Works on all mobile networks
- Instant notifications
- Simple dial code access
Volume discounts
Lower rates for businesses with high transaction volumes
| Monthly Volume | Card Rate | Bank Transfer | USSD |
|---|---|---|---|
| ₦0 - ₦1,000,000 | 1.5% | 1.5% | 1.5% |
| ₦1,000,001 - ₦5,000,000 | 1.4% | 1.4% | 1.4% |
| ₦5,000,001 - ₦20,000,000 | 1.3% | 1.3% | 1.3% |
| ₦20,000,001+ | Custom Pricing | Custom Pricing | Custom Pricing |
Enterprise customers: Contact our sales team for custom pricing tailored to your business needs.
Additional Services
Payout Charges
₦10
per withdrawal
Disputes & Chargebacks
Free
We handle it
Settlement Fees
Free
Next eligible settlement day
Frequently Asked Questions
Everything you need to know about pricing
Are there any setup fees?
No, there are no setup fees, monthly charges, or hidden costs. You only pay when you receive successful payments.
How do I get paid?
Confirmed collections enter pending settlement. The existing D+1/T+1 settlement schedule is 06:00 Africa/Lagos on the next eligible day, with weekend and configured holiday deferrals. Withdrawals depend on available funds and your account access.
Do you support recurring payments?
Not yet, but we're working on it! Recurring billing and subscriptions will be available soon.
Which transfer options can I integrate?
Dedicated Virtual Accounts and PWT are available through the existing collection APIs for eligible merchants. USSD is not enabled by this page; contact support about product access.
Ready to get started?
Create your account, complete business verification and confirm the collection service available for your business.