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Pan-African platform · global reach

Paddle. Financial infrastructure for Africa & the world.

Build, launch and scale financial products across Africa and connect to the world. Global accounts in 18 currencies, payouts to 150+ countries and local payment rails — from one API.

Start Building Now Build With Us Read the docs

Explore the sandbox · Build with test data · Complete KYB before launch

Paddle
Payouts
Cards
Global
Rails live
Unified infrastructureOne API. Every flow.
Virtual NUBANs
Global Accounts
Crypto Swap
Bills & VAS
Gift Cards
OTP Gateway
Smart Escrow
paddle.js Elements
Virtual NUBANs
Global Accounts
Crypto Swap
Bills & VAS
Gift Cards
OTP Gateway
Smart Escrow
paddle.js Elements
Instant NIP Payouts
Real-Time FX
Card Issuing
Betting Wallets
KYB & AML
Open Banking
Ledgers & Sweeps
Instant NIP Payouts
Real-Time FX
Card Issuing
Betting Wallets
KYB & AML
Open Banking
Ledgers & Sweeps

Open global accounts in 18 currencies and dedicated Nigerian NUBANs for local collections.

Accounts

Reach 150+ countries with global payouts, plus instant NIP transfers to 120+ Nigerian banks and wallets.

Payouts

Issue virtual & physical Visa and Mastercard cards with limits, MCC locks and 3DS 2.0.

Cards

Hold 18 currencies on local rails, convert at quoted rates and pay out to 150+ countries.

Global & FX

150+

payout countries

18

account currencies

15

live APIs

120+

Nigerian banks & wallets

1

integration

Pan-African ambition. Worldwide connections.

Built for Africa.
Connected to the world.

From a local launch to cross-border growth, bring collections, accounts, payouts and treasury together. Choose the products and payment routes that fit your business and destination.

Africa to the world

Connect your African business to customers, teams and suppliers through payouts to 150+ countries.

Get paid across borders

Dedicated global accounts in 18 currencies, with supported local clearing such as ACH, SEPA and Faster Payments.

Local expertise. Global reach.

Combine international accounts and FX with market-specific products — including Nigerian NUBANs, NIP transfers and local bill payments.

Explore 18-currency accounts Explore cross-border trade

Availability depends on the product, country, currency, partner coverage and business verification. Nigerian NUBAN and NIP services are domestic rails, not worldwide payment methods.

Trusted by teams building on Paddle APIs

HHilltoppay
PPaypod
RRentilly
New · Payment Gateway

Accept payments with one drop-in checkout.

Add paddle.js to your site and let customers pay orders and invoices by bank transfer, card, USSD or OPay — confirmed by signed webhooks.

  • Inline & drop-in checkout
  • Transfer, card, USSD, OPay
  • Your own order references
  • Success callbacks & webhooks
Explore the gateway Read the docs

One script. Every way your customers pay.

Settlement is initiated the moment a payment lands — cards settle T+1, while bank transfer, USSD and OPay settle instantly, in near-milliseconds.

<script src="https://pay.getpaddle.online/v1/paddle.js"></script>

Paddle.setup({
  key: "pk_test_...",
  email: "customer@example.com",
  amount: 5000,
  channels: ["transfer", "card", "ussd", "opay"],
  onSuccess: (res) => fulfil(res.reference),
});
New · WhatsApp Banking

Full banking on WhatsApp. No app required.

Bring financial services into the chat your customers already use — with Nigerian NUBANs, NIP transfers and airtime alongside escrow and payment links. Try the demo.

Explore WhatsApp Banking
P

Paddle Banking

online · demo

Hi
🏦 Welcome to Paddle WhatsApp Banking! 1. Balance 2. Account 3. Transfer 4. Airtime 5. Escrow
Tap a prompt below…

Simulated conversation with sample data.

For businesses across Africa and beyond.

Fintechs

Wallets & neobanks.

  • Accounts
  • Cards
  • KYC

Build branded financial products with accounts, cards and verification for your supported markets.

Start building

Marketplaces

Split & escrow.

  • Escrow
  • Payouts
  • Ledgers

Lock buyer funds, release on milestones and pay sellers instantly.

Start building

Global businesses

Borderless treasury.

  • Global accounts
  • FX
  • Sweeps

Receive through ACH, SEPA and Faster Payments, hold 18 currencies and manage cross-border treasury.

Start building

Cross-border trade

Pay the world.

  • FX
  • Crypto swap
  • Dom accounts

Lock an FX quote, manage trade escrow and pay suppliers in 150+ countries.

Start building

Made for developers, by developers.

Build for local customers and global opportunities with accounts, payments and treasury APIs — and a free sandbox.

View docs
create-account.sh
curl --request POST \
  --url https://api.getpaddle.online/v1/accounts \
  --header 'authorization: Bearer sk_test_••••' \
  --header 'content-type: application/json' \
  --data '{
    "type": "dedicated_nuban",
    "bank": "wema",
    "customer_id": "cus_8f2a1c"
  }'
The full platform

0 live APIs.
One integration.

Collections, payouts, global accounts, FX, crypto, cards, bills, KYB, OTP, open banking, escrow and ledgers — all from a single API key.

18 currencies
03

Global Accounts & Multi-Currency

  • USD — US domestic ACH and Fedwire routing numbers.
  • GBP — UK Faster Payments & BACS with sort codes.
  • EUR — SEPA and SEPA Instant IBANs.
  • CAD — Canadian Interac network.
  • GHS / UGX — Ghana GHIPSS and Uganda EFT rails.
  • Global payouts — Send money to bank accounts in over 150 countries.
  • Domiciliary accounts — Dedicated USD, EUR & GBP dom accounts for Nigerian businesses.
GlobalDocs →
Live quotes
04

Real-Time FX Conversion

  • Guaranteed rates — Institutional interbank quotes locked for conversion.
  • Instant swaps — NGN ⇄ USD, GBP, EUR with atomic ledger balancing.
GlobalDocs →
Nigeria · NUBAN
01

Dedicated & Dynamic Virtual NUBANs

  • Instant virtual accounts — Dedicated NUBANs on Wema, Providus & Moniepoint in under 800ms.
  • Dynamic single-use accounts — Auto-expiring numbers for one-off checkouts and invoice matching.
  • Permanent customer accounts — Bank accounts tied to each customer wallet for ongoing funding.
  • Inbound webhooks — Real-time credit alerts with sub-second latency.
  • T+0 settlement — Funds available immediately, zero holding period.
CollectDocs →
Nigeria · 120+ banks
02

Instant Payouts & Transfers (NIP Express)

  • Single transfers — Pay out to 120+ Nigerian commercial banks, MFBs and mobile wallets.
  • Account name resolution — Validate account number and bank code before money moves.
  • Bulk & batch payroll — Upload a CSV to pay hundreds of salaries or vendors in parallel.
  • Automated failover & retry — Multi-rail routing retries alternate rails during downtime.
MoveDocs →
Visa · Mastercard
06

Virtual & Physical Card Issuing

  • Instant cards — Issue virtual USD & NGN Visa and Mastercard cards in seconds.
  • Spend controls — Daily/monthly limits, per-transaction ceilings, freeze on demand.
  • MCC locking — Restrict to SaaS, Facebook/Google ads, travel or e-commerce.
  • 3D-Secure 2.0 — OTP authorization and real-time fraud checks on international charges.
SpendDocs →
KYB · AML
10

Identity, KYB & AML

  • Nigeria-specific identity checks — CAC, BVN and NIN verification apply to Nigerian businesses and customers.
  • CAC corporate verification — RC/BN status, standing, address, directors and share capital.
  • BVN verification — Instant resolution with biometric and DOB match.
  • NIN & vNIN — Real-time validation via NIMC rails.
  • Telco phone KYC — Carrier, SIM owner identity and fraud risk score.
  • AML & PEP screening — Interpol, UN, OFAC and PEP watchlists.
TrustDocs →

Ship new and compliant products faster.

Complete solution

15 live APIs covering collections, payouts, cards, FX, KYB and ledgers in one place.

Fully customisable

A modern RESTful API plus drop-in paddle.js Elements for your own UI.

Own your customer

Your brand, your app, your customer relationship — we stay in the background.

Built-in compliance

Business verification and AML/PEP screening, with market-specific identity checks such as BVN and NIN in Nigeria.

Launch faster

Sandbox access, interactive docs and webhooks help your team integrate efficiently.

Scalable & secure

Double-entry ledgers, signed webhooks and multi-rail failover.

Download our apps

Paddle in your pocket. Install today.

Our Google Play and App Store listings are in review — install directly on Android or use the web app on any device right now.

Direct APK · Instant install iPhone web app · Available nowStore approval in progress
Merchant SoftPOS & banking hub

Paddle Business

Business owners, merchants, supermarkets, enterprise cashiers and distributors.

  • SoftPOS tap-to-pay
  • Soundbox payment alerts
  • Dedicated NUBAN collections
  • Treasury auto-sweeps
  • Multi-cashier staff mode
  • Instant payroll disbursements
Download Android APK

Official direct release · Google Play & App Store rollout pending

Open web console
Google Play In review
Smart terminal & cashier fleet

Paddle POS

Counter cashiers, delivery riders, fuel attendants and hospitality staff.

  • Fast dynamic QR checkout
  • Live settlement tracking
  • Shift X/Z reconciliation reports
  • Bluetooth thermal receipt printing
Android APK coming soonLaunch web terminal
Google Play In review
Contactless wallet & smart cards

Paddle Consumer

Everyday shoppers, students and freelancers.

  • Contactless NFC tap-to-pay
  • Instant bank transfers
  • Virtual USD/NGN cards
  • Bill payments
  • Biometric payment security
Download Android APK

Official direct release · Google Play & App Store rollout pending

Open web wallet
Google Play In review

Paddle Build Studio

Want us to build it with you?

Build for Africa and the world. Our team can deliver your fintech, web or mobile product in 2–3 weeks — or integrate Paddle APIs and build it yourself.

Build With Us Talk to the team

Questions, answered.

Need something else? Talk to our team.

Explore all questions