Products
Every banking building block, one API.
Global accounts in 18 currencies, payouts to 150+ countries, payments, cards, treasury and local African financial products — connected through one API.
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.
Real-Time FX Conversion
- Guaranteed rates — Institutional interbank quotes locked for conversion.
- Instant swaps — NGN ⇄ USD, GBP, EUR with atomic ledger balancing.
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.
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.
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.
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.
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.
Availability depends on the product, country, currency, partner coverage and business verification. Nigerian NUBAN and NIP services are domestic rails, not worldwide payment methods.
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Live APIs
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Nigerian banks & wallets
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Integration
Getting started
From sandbox to live in four steps
Create a sandbox account
Access test credentials and integration tools.
Build with test data
Simulate deposits, payouts and webhooks.
Complete KYB
Submit your business documents for review.
Go live
Switch to live keys and start moving money.
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.
Trusted by teams building on Paddle APIs