One API.
Every African
payment provider.
Stop rewriting payment logic for every gateway. Integrate Paystack, Flutterwave, Nomba and more from a single endpoint — switch providers without touching your code.
How Paye works in action.
Explore our live interactive terminal below to test how Paye routes checkouts, prevents downtime, and unifies operations.
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One Integration Contract
Connect your store or app to Paye with a single standard API request, or operate in Managed mode with zero provider setups.
Intelligent Routing & Failover
Transactions route to your primary payment rail. If network timeouts or 500 errors occur, Paye silently reroutes to backup.
Unified Webhooks & Ledger
Receive standardized webhook notifications while gross volume, fees, and settlements reconcile automatically in your ledger.
Everything you need to scale.
Paye is more than just a switch. We provide a complete orchestration layer for your payment operations, abstracting away provider complexity.
Automated Gateway Failover
If your primary gateway experiences downtime, network timeouts, or 500 errors, Paye instantly routes checkouts through backup rails to prevent dropped transactions.
Managed & BYOK Operating Modes
Choose how your project operates: use Paye Managed mode with zero provider setup, or connect your own gateway credentials in BYOK mode. Switch seamlessly anytime in Project Settings.
Double-Entry Internal Ledger
Every transaction, fee deduction, and payout is immutably recorded in a double-entry ledger with penny-accurate reconciliation across all providers.
Single Unified Checkout API
Integrate one unified endpoint. Initialize payments, generate checkout sessions, and normalize responses across any supported African gateway.
Unified Customer Directory
Track customer records, emails, transaction frequency, and total spend in a central directory regardless of which provider processed the charge.
Hardware-Grade Key Vault
Provider API keys and credentials are encrypted at rest with AES-256-GCM. Raw keys are never logged and never touch the client browser.
Recurring Billing Plans
Build daily, weekly, monthly, and yearly recurring plans with tokenized cards. Manage subscriber cycles without per-gateway re-implementation.
Instant Ledger-Backed Refunds
Trigger full or partial refunds through upstream processor APIs directly from your Paye dashboard with complete audit trails and status tracking.
Everything in one place.
Manage providers, watch transactions flow in real time, inspect webhook logs — all from a single clean dashboard.
Overview
June 2026
Total Volume
₦2,481,500
+12.4% this week
Transactions
1,249
124 today
Success Rate
98.2%
↑ 0.4% vs last week
Active Provider
Nomba
Virtual accounts · Checkout · Webhooks
Recent Transactions
Built for teams.
Stop sharing credentials. With Team Workspaces, you can invite developers, finance teams, and support staff to your Paye dashboard with granular role-based access control.
Granular Permissions
Assign Admin, Developer, or Viewer roles to restrict who can initiate refunds or view sensitive API keys.
Audit Trails
Track who made which changes. Every configuration change and refund is tied to a specific team member.
Secure Invitations
Invite members via secure email links that expire automatically for maximum security.
Works with the providers
you already use.
Paystack and Flutterwave are currently supported in test mode. Swap or route between them with zero code changes.
Paystack
Nigeria's leading payment gateway. Test card payments, bank transfers, USSD, and instant webhooks in sandbox mode.
- Card payments (Sandbox)
- Bank transfers (Sandbox)
- Subscriptions
- Refunds
Flutterwave
Pan-African payment infrastructure across 30+ currencies. Test checkout flows, simulation endpoints, and automated failover.
- Multi-currency (Sandbox)
- Card payments (Sandbox)
- Mobile money
- Transfers
Upcoming provider integrations
Additional payment gateways and bank rails rolling out soon.
Nomba
Virtual accounts, POS, and real-time reconciliation.
OPay
Agent banking network, checkout, and USSD.
Monnify
Bank-backed collections and accounts by Moniepoint.
Kuda
Digital bank API collections and transfers.
Interswitch
Switching infrastructure, cards, and Quickteller rail.
Remita
Government and enterprise payment collections.
BudPay
Modern African fintech payment gateway.
Built for builders.
Paye is the official infrastructure partner for Africa's largest hackathons. We love supporting the next generation of builders.
OPay National Innovation Challenge
2026 · Nigeria
Part of OPay's ₦1.2 billion scholars programme in partnership with Google and Nigeria's 3MTT initiative. Paye was submitted to tackle real fintech infrastructure problems — unified payment routing as a solution for Nigerian developers.
Nomba Developer Challenge
2026 · Nigeria
Paye is entered in Nomba's developer innovation challenge, demonstrating deep integration of Nomba's virtual account and checkout APIs. Our unified abstraction layer gives Nigerian developers a frictionless migration path to Nomba — without rewriting their payment logic.
Everything your payment
infrastructure needs.
The core building blocks that power reliable, zero-drop payment processing for modern African platforms.
Unified API Gateway
One standard /api/v1/transactions/initialize endpoint handles checkout across providers. Route dynamically without touching your app code.
Automatic Failover Engine
Monitors provider health in real time. If a gateway returns 500s or network timeouts, checkouts reroute instantly to a healthy backup rail.
AES-256-GCM Key Vault
Gateway API keys and merchant secrets are encrypted at rest with hardware-grade ciphers. Decrypted only in memory at proxy execution.
Normalized Webhook Proxy
Validates signatures and translates provider-specific payloads into standard Paye events. One single webhook destination to maintain.
Double-Entry Financial Ledger
Tracks gross volumes, merchant processing fees, net settlements, and provider balances with immutable, penny-accurate accounting.
Role-Based Team Workspaces
Invite developers, finance personnel, and support agents with granular permissions (Admin, Developer, Viewer) to prevent unauthorized changes.
Built for African businesses.
Payment failures in Africa cost digital businesses up to 20% of their revenue every month. Paye shields your cash flow with automated multi-rail routing, eliminating downtime and fragmented reconciliation.
Zero Lost Sales to Gateway Downtime
When an upstream bank processor suffers network timeouts, Paye silently reroutes the checkout to your backup gateway in under 2 seconds. Your customer never sees a dropped payment screen.
Instant Onboarding with Managed Mode
Stop waiting weeks for corporate merchant account approvals from multiple banks. Start testing and accepting customer payments immediately in Paye Managed mode.
Single Ledger for Multi-Rail Reconciliation
Consolidate card payments, bank transfers, and payouts in one central double-entry dashboard. No more cross-checking conflicting spreadsheets from different gateways.
Complete Independence & No Provider Lock-In
Never worry about sudden processor suspensions, arbitrary fee hikes, or bank outages. Your customer profiles, checkout links, and subscriptions remain entirely yours.
Clean API.
Zero boilerplate.
Built for developers.
One request initializes a payment across any provider. The response shape is always the same — no per-gateway parsing or bespoke integrations.
Switch between Paystack and Flutterwave by changing one parameter, or let Paye automatically route and failover when network issues occur.
X-API-Key: paye_test_••••a52 { "amount": 15000, "email": "customer@company.com", "provider": "paystack", // auto-fails over to flutterwave "currency": "NGN" } ← 200 OK { "status": "success", "checkout_url": "https://checkout.paye.africa/session/92x98", "reference": "paye_ref_92x98", "active_provider": "paystack" }
Volume-based plans.
Zero gateway markups.
Provider fees pass through at cost — you pay exactly what Paystack or Flutterwave charges. Pick the plan that fits your monthly processing scale.
Starter Free
For new projects, prototypes, and early validation.
- paye.js & Payment Links
- Automatic multi-rail failover
- One unified balance & payouts
- Full test sandbox simulator
Starter
For growing indie businesses and creators.
- Everything in Starter Free
- 4x higher transaction volume
- Settlement bank auto-sync
- Email & webhook delivery alerts
Growth
For registered companies scaling sales.
- Everything in Starter
- Custom checkout branding & logos
- Team seats & role management
- Priority failover routing
Business
For high-volume commerce & platforms.
- Everything in Growth
- Unlimited transaction volume
- 99.9% uptime routing SLA
- Dedicated technical integration
Pass-through gateway fees
Merchants pay standard processor rates directly (Paystack 1.5% capped at ₦2,000, Flutterwave 1.4% capped at ₦2,000). Paye never takes hidden transactional fees on top.
Unrestricted test sandbox
Test mode is 100% free with zero KYC required. Switch freely across all four plans in your project settings to test checkout behavior, failovers, and volume caps safely.
What we're building next.
We are expanding Paye with no-code store integrations, dedicated bank virtual accounts, and pan-African payment rails.
WordPress & WooCommerce Plugin
1-click install plugin for WooCommerce, Shopify, and WHMCS stores to accept multi-gateway payments with built-in automated failover.
Dedicated & Dynamic Virtual Accounts
Automated Nigerian bank account generation across Providus, Wema, Titan, and Moniepoint with built-in misdirected payment protection.
Shareable Payment Links & Invoices
Generate branded payment links, QR codes, and downloadable PDF invoices directly from your dashboard without writing a single line of code.
Cross-Border FX & Pan-African Corridors
Multi-currency settlement corridors across Ghana (GHS), Kenya (KES), South Africa (ZAR), and USD with real-time treasury conversion.
Mobile SDKs (Flutter & React Native)
Lightweight, pre-built mobile checkout sheets for iOS, Android, Flutter, and React Native applications with native biometric authentication.
Smart Routing Fee Arbitrage
Algorithmic routing rules that automatically send transactions to the provider with the lowest processing fee or highest bank success rate in real time.
Automated Virtual Account Migration
Seamlessly transition thousands of active customer virtual accounts to alternative bank providers with zero interruption to deposits.
Automated Bank Statement Matching
Automated reconciliation engine matching upstream bank settlement logs against internal ledger entries to highlight anomalies instantly.
Smart Liquidity Payouts
Automated bulk disbursements dynamically routed through the provider with the highest liquidity balance and lowest network fees.
Meet the Team
The masterminds behind Paye. We are constantly pushing the boundaries of African fintech.
Nomba Hackathon Winners
We proudly secured 3rd place out of 1000 competing teams in the Nomba hackathon, winning $1000 for our innovative approach to payments.
OPay Innovation Hackathon
Out of over 2000 teams across Nigeria, Paye was selected among the top 10 teams in the prestigious OPay Innovation Hackathon.
Oretan Thompson Bolaji
Paye Team
Ready to simplify your payments?
Join hundreds of developers building the future of African commerce with Paye.