01
Accept
Card payments
Give customers a checkout that feels local everywhere, with intelligent retries and network token support.
Learn moreNaira-native payment infrastructure
Payment infrastructurebuilt for Nigeria.
Accept card and transfer payments, create virtual accounts, send payouts, and reconcile every naira from one dependable platform.
Naira-native ledger Test keys in minutes Developer support
Overview
Live account
All systems live
Available balance
₦84.29m
MONTUEWEDTHUFRISATSUN
Serva Black
•••• •••• •••• 4082
Cardholder
AMARA K.
Recent activity
View allAK
Akin & Co.
Card payment
+₦4,820,000
NL
Northline
Bank transfer
+₦1,275,500
SW
Studio West
Payout
-₦940,000
NGN ledger
Naira native
Smart routing
Resilient flows
API first
Clear integration
Risk controls
Real-time signals
Built to move money
One connection.Every way to pay.
Launch new payment experiences without rebuilding your stack. Servapay brings collections, cards, and payouts into one dependable API.
02
Collect
Virtual accounts
Create dedicated account numbers in seconds and reconcile every bank transfer automatically.
Learn more03
Move
Instant payouts
Send naira to Nigerian bank accounts and wallets with one integration, one balance, and full delivery visibility.
Learn more04
Issue
Virtual cards
Create programmable naira cards with merchant locks, real-time limits, and instant control.
Learn more Revenue recovery
Failed payment?
Smart retries learn from every attempt and recover more revenue without adding friction for your customer.
Attempt 1
Route optimized
Attempt 2
Payment recovered
Attempt 3
Route optimized
₦
Naira, one clear balance
Collect, settle, and reconcile every payment in Nigerian naira.
Payment orchestration
Every transaction finds its best route.
Servapay evaluates cost, risk, issuer performance, and availability in real time—then sends each payment where it has the best chance of success.
Higher approval rates
Optimize by issuer, country, and card type.
Built-in resilience
Automatic failover keeps checkout moving.
One clean ledger
Payments, fees, refunds, and payouts stay in sync.
Routing engine
Live transaction path
New charge
₦248,000
Serva
Atlas Bank
88% success
Core Network
97% success
Nova Rail
84% success
payments.ts
// Create a payment in seconds
const payment = await servapay.payments.create({
amount: 248000,
currency: "NGN",
customer: "cus_84KQ2",
methods: ["card", "bank"]
});
// payment.status → "succeeded"201 Created184ms
Built for developers
From first request to real revenue.
Clean APIs, predictable webhooks, and a sandbox that behaves like production. Spend your time building the experience your customers came for.
RESTful APIs
Signed webhooks
Idempotent requests
Human documentation
Security at the core
Serious protection. Surprisingly simple.
Layered fraud controls protect every transaction while smart verification keeps good customers moving.
Adaptive verification
Challenge risk, not every customer.
Tokenized by default
Sensitive card data stays protected.
Always monitored
Real-time signals on every payment.
Access control
Granular roles and secure API keys.
Protected
Risk engine monitoring
Start moving money better
Your next payment should feel effortless.
Open a sandbox account today, or talk with our team about a payment setup built around your business.