Payment methods
Meet customers where they already pay.
Nigerians reach for more than a card. Offer the rails your customers trust, all settling to the same balance.
Cards
Visa, Mastercard and Verve, with 3D Secure. Card details are entered on the Sofapay checkout, never on your servers.
Bank transfer
Customers pay from any Nigerian bank app. The checkout listens for the transfer and confirms automatically.
USSD
Pay by dialling a short code, no internet or smartphone needed. Ideal for customers on feature phones.
Virtual accounts
A dedicated account number per payment, so every transfer reconciles to the right order automatically.
QR code
Scan-to-pay for in-person sales and printed invoices. (Coming soon.)
More countries next
Ghana, Kenya, South Africa and francophone West Africa are on the roadmap, through the same API.
Three ways to get paid
Integrate as much or as little as you like.
Hosted checkout
Send customers to a fast, mobile-first Sofapay checkout. It collects the details you ask for, handles every payment method and sends them back to your site.
Payment links
No website needed. Create a link in the dashboard and share it on WhatsApp, Instagram or an invoice. Every payment lands in your dashboard.
API
Initialize a transaction from your server, redirect to checkout, and confirm with a verify call or a signed webhook. Same request shape for every payment method.
How it works
From first request to money in your account.
- 1
Create a payment
Call the API, use a payment link, or create one from the dashboard. - 2
Customer pays
They choose card, transfer, USSD or virtual account on the hosted checkout. - 3
You're notified
A signed webhook and a dashboard notification the moment it succeeds. - 4
Funds settle
Your balance settles to your bank account overnight, T+1.
Know where every naira is
A payment isn't done until the ledger says so.
Each successful payment posts balanced ledger entries: the gross amount, our fee, and your net. You can open any transaction and see exactly how it moved.
- Transaction timeline from created to successful, with the channel the customer used
- Fee, net amount and any refunds on every payment
- Full and partial refunds from the dashboard or the API
- Risk checks on every payment, whichever way it was created
Payment Successful!
NGN 25,000.00
- Card
- Bank Transfer
- USSD
- Virtual Account
- QR Code