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.
Live Demo
See Paye in action.
Experience how seamless our checkout flow is. Click below to try out the live interactive showcase.
Platform Capabilities
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.
Unified Identity
Create a customer once in Paye. We manage tracking their identity and virtual accounts across all upstream gateways securely.
Smart Payouts
Withdraw funds instantly. Paye routes your transfer through the cheapest, most reliable gateway that currently holds your liquidity.
Provider-Agnostic Subscriptions
Build recurring billing plans (daily, weekly, monthly) that work seamlessly regardless of which gateway actually processes the charge.
Smart Routing Arbitrage
Dynamically route transactions to the gateway with the lowest fee or highest success rate in real-time. Maximize your margins.
Static Virtual Accounts
Generate persistent bank accounts for your customers. When they deposit, Paye detects it, updates balances, and fires webhooks instantly.
Advanced Reconciliation
Automatically match internal ledger records against provider statements to detect anomalies, missing funds, or misdirected transfers.
Misdirected Payment Resolution
If a customer pays into a deactivated or suspended virtual account, Paye escrows the funds and lets you easily refund or credit them.
Auto VA Migration
Seamlessly migrate thousands of virtual accounts to a new provider with zero downtime. Customers can still pay into the old accounts temporarily.
Dashboard
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
Collaboration
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.
Providers
Works with the providers
you already use.
Swap or add providers any time — no code changes needed.
Paystack
Nigeria's most trusted payment gateway. Accept cards, bank transfers, USSD and more.
- Card payments
- Bank transfers
- Subscriptions
- Refunds
Flutterwave
Pan-African payment infrastructure. 30+ currencies, 150+ payment methods across Africa.
- Multi-currency
- Card payments
- Mobile money
- Transfers
Nomba
Nigeria's next-gen payment network. Virtual accounts, POS, and real-time settlements.
- Virtual accounts
- Checkout
- Webhooks
- Reconciliation
OPay
High-volume payment processing with deep penetration across Nigeria's agent banking network.
- Checkout
- USSD
- Agent banking
- Transfers
Coming soon
Monnify
Bank-backed collection infrast…
Interswitch
Africa's pioneer digital payme…
Remita
Government and enterprise paym…
BudPay
Modern fintech payment gateway…
Recognition
Built in the arena.
Paye has been submitted to and recognized at competitive fintech hackathons — putting unified payment infrastructure in front of Africa's top innovators and investors.
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.
Platform
Everything your payment
infrastructure needs.
Unified API router
One endpoint handles every provider. Swap gateways or route dynamically without touching your integration code.
AES-GCM encryption
Gateway credentials are encrypted at rest. Original keys never leave our proxy layer — your secrets stay secret.
Webhook proxies
Intercept, validate, and forward webhook events from any provider. One endpoint handles all provider callbacks.
Transaction audit logs
Every payment, every event — logged with payload details, webhook status, and provider response timelines.
For businesses
Built for revenue.
Not for downtime.
African payment gateways go down. Keys get suspended. Paye keeps your checkout running by routing intelligently across providers — without a single line of code change from your team.
What Paye delivers
99.9%
Uptime SLA
Multi-provider failover
4×
Providers
Live and routing
<2s
Switch time
Zero code change
100%
Audit log
Every transaction
Automatic failover routing
If Paystack times out or Nomba returns a 5xx, Paye instantly re-routes your transaction to the next available provider — in under 2 seconds, invisible to your user.
Lower effective processing fees
Route high-volume card transactions to Nomba, bank transfers to Paystack. Pick the cheapest processor per payment type without writing any conditional logic.
Multi-currency settlement
Accept NGN, GHS, KES and USD today. Paye normalises currency handling across gateways — your checkout code never changes when you expand to a new market.
Fraud and duplicate-charge protection
Webhook signatures are verified per-provider. Duplicate transaction references are rejected. Double payouts and phantom charges are blocked at the proxy layer.
For developers
Clean API.
Zero boilerplate.
One request initializes a payment across any provider. The response shape is always the same — no per-gateway parsing.
Switch from Paystack to Nomba by changing one field. Your server code stays exactly the same.
Read the docs →POST /api/v1/transactions/initialize
X-API-Key: paye_live_••••a52 { "amount": 12500, "email": "user@email.com", "provider": "nomba", "currency": "NGN" } ← 200 OK { "status": "success", "checkout_url": "https://...", "reference": "paye_ref_92x98" }
Start routing payments
in minutes.
Free to start. No credit card required.