Sofapay
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Payment Infrastructure for Africa

Payments infrastructure built for Africa.

Accept payments, move money, and reconcile every transaction through one powerful platform. Built for businesses of all sizes, from solo sellers to global enterprises.

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  • Secure & Compliant

    PCI-ready

  • 99.9% Uptime

    Reliable infrastructure

  • Pan-African

    Nigeria + Africa

A customer smiling at her phone after paying with Sofapay

Payment Successful!

NGN 25,000.00

  • Card
  • Bank Transfer
  • USSD
  • Virtual Account
  • QR Code

Payment rails

Accept payments your customers already use.

One integration. Multiple payment methods. Maximum reach.

Card

Visa, Mastercard, Verve

3D Secure

Bank Transfer

Direct bank payments

NIP (Nigeria)

USSD

Dial *737#

Instant & secure

Virtual Accounts

Dedicated NUBAN accounts

Auto reconciliation

QR Code

Scan to pay

Fast & convenient

For developers

One API.
Every payment rail.

Build once and accept payments across Nigeria and beyond. Our clean, well-documented APIs and SDKs make integration fast and simple.

View documentationExplore SDKs
  • JSJavaScript
  • phpPHP
  • PyPython
1curl -X POST \2  https://sofapay.vercel.app/api/v1/transactions/initialize \3  -H "Authorization: Bearer sk_test_••••" \4  -H "Content-Type: application/json" \5  -d '{6    "amount": 500000,7    "currency": "NGN",8    "email": "customer@example.com",9    "reference": "SPY_123456"10  }'

  • Clean API design

    REST & JSON

  • Comprehensive docs

    Step-by-step guides

  • Sandbox environment

    Test before you go live

  • Developer support

    Fast & reliable

Why Sofapay

Built for money movement.

We combine the best of modern technology with robust financial infrastructure to give you reliability, transparency and control.

Learn more

Ledger integrity

Double-entry, always balanced

Real-time settlement

Full visibility, T+0 / T+1

Bank-grade security

PCI compliant, encrypted

99.9%+ uptime

Always on, always reliable

Expanding across Africa

Start in Nigeria.
Build for Africa.

Today in Nigeria. Tomorrow across the continent. We're building a payment infrastructure that works for every African business.

See roadmap
Map of Africa with Nigeria highlighted
  • NigeriaNGNLive
  • GhanaGHSComing soon
  • KenyaKESComing soon
  • South AfricaZARComing soon
  • Francophone WAXOFComing soon

Trusted by innovative businesses

What our customers say

LagoonCart

E-commerce Store

“Sofapay has made it incredibly easy for us to accept payments. The dashboard is clean, settlement is fast, and the support team is always responsive.”
TA

Tunde Adebayo

Founder, LagoonCart

SwiftLearn

SaaS Platform

“The developer experience is top-notch. Integration took less than a day and the documentation is excellent. Highly recommend for any serious business.”
CO

Chinwe Okafor

CTO, SwiftLearn

NaijaMarket

Marketplace

“Managing payouts to dozens of vendors used to be a nightmare. With Sofapay's payouts and clear settlement reports, reconciling every naira is finally simple.”
EJ

Emeka Johnson

CEO, NaijaMarket

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Ready to build with Sofapay?

Start accepting payments across Nigeria and beyond. Test mode is ready the moment you sign up.

Get started nowTalk to sales