i
Card payments
A checkout that feels local on every screen, with intelligent retries and network tokens behind it.
Payment infrastructure
Money that movesthe way Nigeria does.
Collections, virtual accounts, payouts, and cards — one connection, one naira ledger, and a settlement record you can reconcile line by line.
Statement
Live
Available balance
₦0.00m
18.4 per centthis month
Recent entriesAll
TX 4820
Akin & Co.
Card payment
+₦4,820,000
TX 4819
Northline
Bank transfer
+₦1,275,500
TX 4818
Studio West
Payout
−₦940,000
Settlement
Naira
Median response
184ms
API uptime
99.98%
Support
24 / 7
ICollect
One connection.Every way to be paid.
Launch new payment experiences without rebuilding your stack. Collections, cards, and payouts share one set of keys, one ledger, and one reporting surface.
ii
Virtual accounts
Dedicated account numbers issued in seconds, with every incoming transfer reconciled automatically.
iii
Instant payouts
Naira delivered to Nigerian banks and wallets from one balance, with full visibility on every transfer.
iv
Card issuing
Programmable naira cards with merchant locks, spend limits, and instant freeze controls.
One balance across every rail
IIIssue
Cards your team controls, down to the merchant.
Issue programmable naira cards in seconds. Set a spend limit, lock a card to a single merchant, and freeze or release it instantly from the dashboard or the API.
Spend limits
Per card, per day, per merchant.
Merchant locks
Restrict a card to one category.
Instant freeze
Stop a card in a single request.
IIIOrchestrate
Every transaction finds its best route.
Servapay weighs cost, risk, issuer behaviour, and availability in real time, then sends each payment where it has the best chance of succeeding.
Higher approval rates
Optimised by issuer and card type.
Built-in resilience
Automatic failover keeps checkout moving.
One clean ledger
Fees, refunds, and payouts stay in sync.
Routing engine
Live transaction path
New charge
₦248,000
Atlas Bank
88% success
Core Network
97% success
Nova Rail
84% success
IVSafeguard
Serious protection.Surprisingly quiet.
Layered controls watch every transaction while adaptive verification keeps good customers moving through checkout.
Adaptive verification
Challenge risk, not every customer.
Tokenised by default
Card data never rests in your systems.
Continuously monitored
Real-time signals on every transaction.
payments.ts201 Created
// Create a payment in naira
const payment = await servapay.payments.create({
amount: 248000,
currency: "NGN",
methods: ["card", "bank"]
});
// payment.status → "succeeded"VBuild
From first request to real revenue.
Clear APIs, signed webhooks, idempotent requests, and a sandbox that behaves like production — so your team spends its time on the experience, not the plumbing.
- REST
- Predictable, versioned endpoints
- Webhooks
- Signed, retried, replayable
- Idempotency
- Safe to retry every request
- Sandbox
- Declines, delays, and reversals
Settled in naira
One currency, understood deeply — not one entry in a long list.
Begin
Your next payment should feel effortless.
Open a sandbox account today, or speak with our team about a setup built around your business.