Payment Gateway
Get paid by card, bank transfer and USSD. Money settles straight into your own bank account.
- Hosted checkout, nothing to build
- Automatic settlement to your account
- Verify any payment with one call
POST /payments/checkouts18 business APIs built for Nigeria: payments, SMS, KYC, shipping, inventory and more. Priced in naira, billed through Paystack, and free to test today.
POST /api/v1/notifications/otp
Authorization: Bearer inv_live_••••
{ "channel": "sms",
"to": "08031234567",
"appName": "MyShop" }
→ 201 Created
{ "otpId": "6a1f…",
"expiresAt": "2026-10-15T12:10:00Z",
"delivery": "sent" }Take payments, ship orders and keep stock in sync with Jumia, Konga and Instagram.
Verify NIN, BVN and bank accounts before you disburse, and score every transaction for fraud.
Send fee reminders, receipts and alerts by SMS and email, and collect payments online.
Compare courier rates, book pickups and track parcels across Nigeria from one call.
Build client apps faster: one key, one bill and one set of docs instead of six vendors.
Start with one, add the rest whenever you need them. Same key, same bill.
Get paid by card, bank transfer and USSD. Money settles straight into your own bank account.
POST /payments/checkoutsLogin codes, order updates and reminders that reach Nigerian numbers, including DND lines.
POST /notifications/otpKnow who you're dealing with before you lend, sell or onboard. Match scores, not guesswork.
POST /identity/ninReal-time stock, barcodes, demand forecasts and marketplace feeds, connected to your Inventra data.
GET /forecasting/reorderLive rates from GIG, DHL, Kwik and more, then book and track.
Profit & loss, double-entry journal and trial balance from your sales and expenses.
Contacts, activity timeline, lifetime value and at-risk customers.
Track product events and funnels, and pull sales analytics.
Store and serve files in private buckets with signed URLs.
VAT and withholding tax for Nigeria and 10+ African countries.
Risk-score every transaction in milliseconds: approve, review or decline.
A support assistant that answers from your FAQs and live product prices and stock.
Points, tiers and redemptions for your customers.
Frequently bought together, similar items and trending products.
Store, version, tag and generate PDFs (invoices and receipts).
Sign up, open Developers and create a sandbox key. No card needed.
Call any API in sandbox. Nothing is charged or sent while you test.
Pick a plan, top up your wallet if you need SMS or KYC, and switch to a live key.
A monthly plan covers calls to every API. SMS, identity checks and shipping are pay-as-you-go from a prepaid wallet.
Payment Gateway: 0.5% per successful payment (max ₦1,000) plus Paystack's standard fee. Full per-use prices are in the API reference.
Your developer (or agency) connects the API to your website or app once. After that everything runs automatically, and you manage keys, usage and billing from the Developers area in Inventra. If you don't have a developer, our support team can point you to one.
In naira, through Paystack. Choose a monthly plan for your API calls, and top up a prepaid wallet for pay-per-use services like SMS and identity checks. No dollar card needed.
Yes. Sandbox keys are free forever with 10,000 test calls a month. In sandbox nothing is charged, no SMS is sent and your real stock is never touched.
Straight to your own bank account. You register your account once, and Paystack settles every payment to it automatically. We only take our small fee per successful payment.
We return verification results to you but only store whether a check matched, with the ID number masked. We never keep names, dates of birth or photos from identity lookups.
Calls pause with a clear message until the next month or until you upgrade, so you're never surprised by a bill. You can see your usage live in the Developers area.
Create an account in a minute, grab a sandbox key and make your first call before you spend a kobo.