The Modern Payment Gateway for African Businesses
Accept NIBSS bank transfers, cards, and mobile money. Automate multi-currency payouts across Nigeria, Ghana, Kenya, and Uganda with instant developer webhooks and CAC compliance.
DEMO CHECKOUT
event: "payment.success"
signature: "X-AfrixaPay-Signature hmac-sha256"
Banking Services & Deposit Custody Provided by Banking Partners • Licensed By CBN • Insured By NDIC
Licensed Banking Partners • NDIC Deposit Insurance
AFRIXAPAY operates under strict corporate compliance and risk management protocols. All merchant balances and customer checkout deposits are held in segregated trustee custody accounts provided by our Central Bank-licensed commercial banking partners and insured under the NDIC framework.
CBN-Licensed Partners
Banking Services & Deposit Custody provided by our Central Bank of Nigeria (CBN) licensed commercial and microfinance banking partners (Rubies MFB, Wema Bank, Paga).
Insured By NDIC
All merchant transaction deposits held in partner pooled custody accounts are protected and insured under the Nigeria Deposit Insurance Corporation (NDIC) framework.
SCUML Registered
AFRIXA BUSINESS LIMITED is registered with SCUML (Special Control Unit Against Money Laundering) under the EFCC, maintaining real-time PEP & sanction list screening.
NDPR Data Certified
Fully compliant with the Nigeria Data Protection Regulation (NDPR / NDPC), employing 256-bit AES database encryption and TLS 1.3 transport security.
Institutional Settlement & Anti-Fraud Security Engine
Merchant balances are strictly segregated from operational funds. Every transaction is backed 1:1 by liquid cash reserves held in licensed commercial banks, guaranteeing 100% instant payout liquidity.
To prevent account takeover and unauthorized withdrawals, outbound transfer payouts are strictly locked and restricted to Admin-Approved corporate settlement accounts matching your registered CAC identity.
Our real-time risk engine analyzes transaction velocity and flags unusual patterns. If suspicious activity occurs, Post No Debit (PND) controls protect inbound deposits while restricting unauthorized outbound transfers.
Everything Your Business Needs To Accept Payments
Built-in corporate compliance, whitelisted payout security, sandbox testing, and multi-currency liquidity.
CAC Corporate Compliance
Instant CAC RC/BN registration lookup, Director BVN/NIN verification, and Tier 3 compliance approval queue.
Settlement Account Whitelist
High-security payout whitelisting. Transfers are strictly restricted to Admin-Approved settlement accounts.
Live vs Sandbox Switcher
Toggle instantly between Live Mode and Sandbox Test Mode with simulated ₦1,000,000.00 wallet balance.
Pan-African Multi-Currency
Accept and manage balances in 4 regional currencies: Nigeria (NGN ₦), Ghana (GHS GH₵), Kenya (KES KSh), Uganda (UGX USh).
PIN-Protected Payouts
4-digit security PIN authorization for outbound NIBSS transfers with instant printable transaction receipts.
IP Whitelisting & API Audit
Whitelist server IP addresses for API key usage and audit real-time REST API requests, status codes, and latency.
Airtime, Data & Utility Bills
Instant automated vending for Airtime (MTN, Airtel, Glo, 9mobile), Data Bundles, Electricity Tokens (IKEDC, EKEDC, AEDC), and Cable TV (DSTV, GOtv, Startimes).
Built by Developers, for High-Scale Engineers
Integrate AfrixaPay into your application with clean REST endpoints, test API keypairs (`pk_test_...`, `sk_test_...`), sandbox mode, and Inline JavaScript popups.
# Initialize 20-minute Virtual Account via REST API
curl -X POST https://api.afrixapay.com/v1/checkout/virtual-account \
-H "Authorization: Bearer sk_live_938102938..." \
-H "Content-Type: application/json" \
-d '{
"amount": 15000.00,
"customer_name": "Sarah Jenkins",
"customer_email": "client@company.com"
}'
const response = await fetch('https://api.afrixapay.com/v1/checkout/virtual-account', {
method: 'POST',
headers: {
'Authorization': 'Bearer sk_live_938102938...',
'Content-Type': 'application/json'
},
body: JSON.stringify({ amount: 15000, customer_email: 'client@company.com' })
});
$response = Http::withToken('sk_live_938102938...')
->post('https://api.afrixapay.com/v1/checkout/virtual-account', [
'amount' => 15000.00,
'customer_email' => 'client@company.com'
]);
Simple, Predictable Pricing
No hidden maintenance fees, setup costs, or monthly recurring charges.
Standard Gateway
Ideal for growing merchants and SMEs
-
NIBSS Bank Transfers & Virtual Accounts -
₦10.00 Flat Fee for Outbound Payout Transfers -
Unlimited Hosted Payment Links & API Keys
Enterprise Custom
For high-volume platforms processing >₦50M monthly
-
Dedicated Technical Account Manager -
Custom Webhook SLAs & Priority Retries -
Pan-African Cross-Border Settlements (NGN, GHS, KES, UGX)