For developers

Send and receive money from your own app.

The OffPay Merchant API lets your website or app pay out to OffPay wallets and Nigerian bank accounts, and accept payments from anyone — card, bank transfer, USSD, or an OffPay wallet — with a webhook the moment money moves.

What you can build

• Payout automation — pay vendors, contractors, or customers straight to their OffPay wallet or bank account.
• Checkout links — request a payment for an exact amount and get a hosted page any payer can complete, no OffPay account required on their end.
• Real-time reconciliation — a signed webhook fires the moment a payment or charge succeeds or fails.

Quick start

1. Log in and go to Me → Merchant API to register your business (Tier 3 KYC required).
2. Once approved, generate a live or test secret key from the same page.
3. Call the API with Authorization: Bearer sk_live_....

curl https://offpay.4go.com.ng/api/v1/charges \
  -H "Authorization: Bearer sk_live_xxxxx" \
  -H "Content-Type: application/json" \
  -d '{
    "reference": "order-4471",
    "amount": 12000,
    "narration": "Order #4471"
  }'

Full reference

Authentication, every endpoint, request/response shapes, webhook events and signature verification, and rate limits are all covered in the full Merchant API documentation.