Quickstart
Create your first virtual account and receive a test payment in under 5 minutes.
Authentication
How your API key, secret, and (optional) IP allowlist work together.
What you can build
Virtual Accounts
Give each customer a dedicated NUBAN account number. Money sent to it lands in your wallet and fires a webhook.
Collect Payments
Generate a branded, one-time payment link for a specific amount — no dedicated account required.
Payouts
Send money out to any Nigerian bank account via API.
VTU
Sell airtime, data, cable TV subscriptions, electricity tokens, and exam pins.
Virtual Cards
Issue Visa/Mastercard virtual cards for your customers, fund them, and track spend.
Webhooks
Get notified the instant a payment lands, signed and replay-protected.
How the API is organized
1
Authenticate
Every request carries your
X-Api-Key and X-Api-Secret headers. See Authentication.2
Call an endpoint
Pick a feature area above. Most endpoints accept a
reference — a unique ID you choose — so you can always find a transaction again without storing our internal IDs.3
Get notified
For anything asynchronous (a customer paying into a virtual account, a VTU purchase confirming), we call your webhook URL instead of making you poll.
Some feature areas (Payouts, VTU, Collect Payments, Virtual Cards) are enabled per-merchant. If you get a
SERVICE_NOT_ENABLED error, contact support to request access — your API key and secret alone aren’t enough to unlock them.Need help?
Email support
Errors reference
Every error code you might get back, and what to do about it.