APIs

Paystack

CBN-licensed payment gateway and the market leader, with the best docs and widest adoption. Owned by Stripe. SDKs in Python, JS, PHP and .NET, plus an OpenAPI spec and official Postman collection.

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Budpay

Consumer-first payment provider that also supports crypto payments. Growing fast; JS SDK only.

DPO Group (DPO Pay)

Direct Pay Online (now DPO Pay by Network) is a pan-African payment service provider in 20+ countries, with a REST DPO Pay API v6, email payment links, and plugins for WooCommerce, Shopify, Magento and Odoo. Sandbox credentials and Postman collections provided.

Fincra

Nigerian payments infrastructure for collections (checkout, payment links, NGN/GHS/KES/TZS virtual accounts, direct debit), cross-border payouts, conversions and identity/BVN resolution. Official server libraries span Java, PHP, Python, Ruby and C#, plus a community Node SDK.

Hubtel

Hubtel is a Ghanaian fintech founded in 2005 as SMSGH offering REST APIs for mobile money collections, card payments, SMS, USSD and ID verification, with official SDKs for C#, Java, Android, iOS, Flutter and Web. Its public docs pages render as overviews while deeper reference sits behind a portal.

Kora

Borderless-Africa-focused payment provider with strong API design. Bundles payments with KYC; minimal GitHub presence, Node SDK only.

Monnify

CBN-licensed PSSP by TeamApt with a bank-first model and NUBAN integration. SDKs in 5 languages including Java and .NET; no official Go or TypeScript SDK.

Nomba

Payments provider combining POS, virtual accounts and a payments API for physical and digital commerce. Node SDK.

Onafriq

Formerly MFS Africa, Onafriq is a pan-African cross-border digital payments network connecting businesses to ~1 billion mobile wallets across 40+ African markets, offering collections, disbursements, card issuing/processing and agent banking. Developer portal is the former Beyonic API docs.

Opay

Large-scale Nigerian payments provider supporting USSD, QR and web payments. Limited SDK coverage.

Paga

CBN-licensed Nigerian payments company whose Paga (Pagaengine) APIs cover the Collect API, Business API, Paga Connect and Merchant Services for collecting payments, disbursements/transfers and airtime/data/bills. SDKs for Java, PHP, Python and Node.js, with sandbox, IP whitelisting and hashing-based auth.

Pesapal

East African payment gateway (Kenya, Uganda, Tanzania and beyond) offering API 3.0, a REST/JSON API for online payments, with sample code repositories, plugins and a developer forum; the older XML-based API 2.0 is deprecated. PCI/DSS compliant with sandbox test credentials.

Seerbit

Multi-channel payment provider supporting web, USSD and bank payments, with regional expansion. SDKs in JS, PHP, Python and Java.

Squad (GTBank)

Bank-backed (GTBank) payment gateway with strong NUBAN support. SDKs in JS and PHP.

Tingg by Cellulant

Cellulant's Tingg is a single-API payments platform for collections and payouts across 24+ African markets, supporting mobile money, cards and bank transfers, plus engagement APIs for transactional SMS/OTP. Developers register on the Tingg developer portal for sandbox and production access.

Yoco