Dedicated virtual accounts
Issue a permanent NUBAN to every customer. Transfers land in seconds and reconcile themselves — no more matching bank statements by hand.
Adaeze Okonkwo9021 445 118
Bello Traders Ltd9021 445 206
Auto-reconciled on receipt
DocsThe full API reference is live
Accept payments across Nigeria. Settle the same day.
Dedicated virtual accounts, cards, transfers, USSD and payouts to every Nigerian bank — behind a single REST API. 1.5% per transaction, capped at ₦2,000.
- No setup fee
- No monthly fee
- Same-day settlement
- Live in a day
dashboard.xendify.comLive
Collected today
₦2,847,500
Virtual account · Adaeze O.
Bank transfer
+₦125,000
Card payment · order #40118
Verve
+₦45,500
Payout · Vendor run
GTBank
−₦250,000
Powering payments for Nigerian businesses
The platform
One integration for money in and out
Collections, virtual accounts, payouts and settlement run on the same balance and the same API — so your ledger only ever has one source of truth.
Payouts to any Nigerian bank
Disburse from one balance to every bank in the country. Single transfers or bulk runs, with account name enquiry before the money moves.
GTBank₦480,000
Opay₦127,500
Moniepoint₦96,250
Bulk run · 3 of 3 queued
Real-time webhooks
Signed events for every payment, reversal and settlement, with automatic retries and a replay log so you never lose a notification.
Same-day settlement
T+0 settlement straight into your operating account. Your working capital stops sitting in someone else’s float.
Security by default
Encrypted in transit and at rest, PCI DSS aligned card handling, granular API keys, IP allow-listing and full audit trails.
Reporting that reconciles
Live dashboards, exportable ledgers and per-channel breakdowns your finance team can hand straight to an auditor.
Every channel your customers already use
Turn channels on from the dashboard. No extra integration work on your side.
- Bank transferDedicated NUBAN per customer
- CardsVerve, Mastercard & Visa
- USSDWorks on any handset
- Mobile moneyMajor Nigerian wallets
- PayoutsEvery bank in Nigeria
- Bulk disbursementPayroll & vendor runs
Trusted with real volume
- Processed
- ₦50B+ProcessedTotal payment volume moved through the platform
- Merchants
- 1,000+MerchantsNigerian businesses collecting with Xendify
- States covered
- 36States coveredNationwide collections and payouts
- Success rate
- 99.9%Success rateOn transactions routed through our rails
For developers
An API you can read in one sitting
Predictable REST endpoints, Bearer authentication and JSON in and out. Every endpoint in the reference is runnable, so you can try a request before you write a line of code.
- Test keys on signup
- Every account starts with a sandbox secret key so you can build the whole flow before going live.
- Signed webhooks
- Bearer-authenticated callbacks with a manual replay endpoint for anything your server missed.
- One REST surface
- Collections, virtual accounts, transfers, refunds and BVN checks share the same base URL and auth.
Xendify API reference
Every endpoint, parameter and response code — public, no account needed.
Issue a dedicated virtual account
curl https://api.xendify.com/api/v1/create_account \
-H "Authorization: Bearer $XENDIFY_SECRET_KEY" \
-H "Content-Type: application/json" \
-d '{
"firstname": "Adaeze",
"lastname": "Okonkwo",
"email": "adaeze@example.com",
"phone": "08168433222",
"provider": "vfd"
}'// Disburse from your Xendify balance
const response = await fetch(
"https://api.xendify.com/api/v1/bank_transfer",
{
method: "POST",
headers: {
Authorization: `Bearer ${process.env.XENDIFY_SECRET_KEY}`,
"Content-Type": "application/json",
},
body: JSON.stringify({
account_name: "Tolulope Oyeniyi",
account_number: "1019651961",
bank_code: "090110",
amount: "50000",
narration: "Vendor payout",
reference: "payout_10482",
}),
},
);
const { data } = await response.json();import os, requests
BASE = "https://api.xendify.com/api/v1"
auth = {"Authorization": f"Bearer {os.environ['XENDIFY_SECRET_KEY']}"}
# Confirm the transaction actually settled
transaction = requests.get(
f"{BASE}/transaction_verify/{reference}",
headers=auth,
).json()
print(transaction["data"]["status"])Getting started
From sign-up to first payment in three steps
No procurement process, no integration fee, no waiting on a sales call to see the product.
- 01
Create your account
Sign up in minutes and get instant access to test keys. No sales call required to start building.
- 02
Integrate the API
One REST API for collections, virtual accounts and payouts. Copy a request from the docs and you are live in test mode.
- 03
Go live and get settled
Complete verification, switch to live keys, and receive settlements directly in your bank account.
Pricing
One rate. A hard cap. Nothing else.
No setup fee, no monthly fee, no maintenance charge. You are only billed on successful transactions.
Pay as you go
1.5%
per successful transaction
Capped at ₦2,000
The cap applies from about ₦133,400 upward — so a ₦5,000,000 transaction costs the same ₦2,000 as a ₦500,000 one.
Estimate any amount with the calculator below.
Everything is included
There is no higher tier to upgrade to. Every account gets the full platform.
- Unlimited transaction volume
- Dedicated virtual accounts
- Payouts to every Nigerian bank
- Same-day settlement
- Full REST API & webhooks
- Live analytics dashboard
- Custom checkout branding
- Integration support included
Work out what a payment costs
Enter a transaction amount to see the exact fee and what reaches your balance.
On this transaction
- Your customer pays
- ₦50,000
- Xendify fee(1.50%)
- −₦750
- You receive
- ₦49,250
Charged at a flat 1.5%. The fee stops growing once a transaction passes ₦133,333.
Processing high volume or need a custom settlement cycle? Contact our sales team.
How much does Xendify cost?
Xendify charges 1.5% per successful transaction, capped at ₦2,000. There is no setup fee, no monthly fee and no maintenance charge — you only pay when you get paid.
How quickly do I receive my settlements?
Collections settle the same day (T+0) into the Nigerian bank account attached to your business, so your working capital is not held in float.
Which payment methods can I accept?
You can accept bank transfers to dedicated virtual accounts, card payments on Verve, Mastercard and Visa, USSD, and mobile money. You can also disburse to any bank in Nigeria from the same balance.
What is a dedicated virtual account?
A dedicated virtual account is a permanent NUBAN account number issued to one of your customers. Any transfer into it is credited to your Xendify balance instantly and matched to that customer automatically, which removes manual reconciliation.
How long does integration take?
Most teams are transacting in test mode the same day. Xendify exposes a single REST API for collections, virtual accounts and payouts, with signed webhooks and a full API reference you can run requests against directly.
Is there an API sandbox and documentation?
Yes. Test keys are available as soon as you sign up, and the complete API reference — with runnable example requests for every endpoint — is published publicly so you can evaluate the integration before creating an account.
Do you support bulk payouts and payroll?
Yes. You can disburse to a single account or upload a bulk run for payroll and vendor payments, with bank account name enquiry performed before funds are sent.
How is my data and money protected?
Traffic is encrypted in transit and at rest, card handling follows PCI DSS guidance, and every API key can be scoped and IP allow-listed. All activity is written to an immutable audit trail available in your dashboard.
Start collecting payments today
Create an account, grab your test keys and move your first naira through Xendify before the end of the day.
- No setup fee
- No monthly fee
- Cancel any time