Pricing
Prepaid, usage-based, priced for your account.
You pay for what you use, from a balance you top up in advance. Rates are agreed with you, based on your products and your volumes — so there is no public price list.
- Prepaid balance
- Pay per transaction
- Rates agreed per account
- No public price list
Our billing model
Simple, predictable, and the same for every product.
Step 1: Top up your balance
Your account holds a prepaid balance in naira. We do not extend credit, so you are never in debt to us.
Step 2: Use the APIs
Transact across the products enabled on your account, against that one balance.
Step 3: Each transaction draws it down
At the rates agreed for your account. Your balance is the sum of ledger postings, so every naira is traceable.
One balance, five products
Every product you enable draws on the same prepaid balance.
- Crypto RailsLet your users buy and sell crypto with naira, settled against your prepaid balance.
- Identity / KYCVerify a Nigerian identity — BVN checks, with name matching.
- Virtual AccountsIssue dedicated NUBANs to your customers and receive inbound transfers against them.
- PayoutsSend money to Nigerian bank accounts, with a name enquiry before the transfer leaves.
- Bills & VTUAirtime, data, electricity, cable TV and exam PINs, from one integration.
Frequently asked questions
How does billing work?
You keep a prepaid balance with us. Each transaction draws it down at the rates agreed for your account. We do not extend credit — what you have topped up is what you can spend.
How are charges calculated?
Each product has a rate set for your account. Every transaction records the rate that priced it, so a refund weeks later is computed at the price you actually paid — not at whatever the rate is by then.
Can I get rates based on my volume?
Yes — that is the only way we price. Rates are agreed per account, based on the products you use and the volumes you expect, and they are invisible to every other customer.
What happens when my balance runs low?
A transaction that would take your balance below the floor agreed for your account is refused before it is sent anywhere — so a call never half-happens, and nothing is left owing. You can read your balance and that floor from the API at any time.
Can I check my balance from my own systems?
Yes. GET /v1/partner/balance returns your spendable balance and your agreed floor, as integer strings in minor units — kobo, never a float.
Can my limits be raised?
Your request rate limit is set per account, alongside your rates. If your traffic needs more headroom, we agree it with you.
Get a quote for your platform
Tell us which products you need and the volumes you expect. We will come back with rates for your account.