Follow one payment
It's Friday evening in Lagos. Adedapo wants the Adire set his sister loves.
Here's what happens to his ₦50,000 — from his phone to Amaka's shop, to her tailors' pockets, and on to the government's books.
Chapter 1 · 7:42 PM
He pays his way.
Card, bank transfer or a USSD code on a basic phone — Adedapo picks whatever works. Amaka never has to say “abeg, send it again.”
- Visa
- Mastercard
- Verve
- Transfer
- USSD
Pay Amaka's Fabrics
₦50,000.00
CardTransferUSSD
Pay ₦50,000.00Chapter 2 · 7:42 PM, same minute
Amaka's phone buzzes.
She's still at her stall in Balogun when the alert lands. One ID — BPY01JCB7R… — follows the payment everywhere, so there's never a “which one?” moment.
Payment received · Visa ···· 4081
+ NGN 50,000.00
Today so far
NGN 412,300.00
Chapter 3 · Saturday
Wrong size? No wahala.
His sister needs a bigger one. Amaka refunds ₦20,000 in two taps — a partial refund — and both of them can see exactly where the money is until it lands back.
PendingProcessingProcessed
Confirm Refund
Transaction amountNGN 50,000.00
Amount to refundNGN 20,000.00
Arrives in3 – 12 working days
ConfirmChapter 4 · Monday morning
The money comes home.
Her week's sales settle into her own bank account, with every fee and every naira itemised. Amaka checks it over her first cup of tea, not her third.
Settlement paid · GTBank ···· 4421
NGN 1,107,300.00
Gross1,124,900.00
Fees + VAT− 17,600.00
Chapter 5 · Payday
Her tailors get paid. Together.
One CSV pays all eight tailors at once. Her manager Chiamaka prepares it, Amaka approves it — and nobody can do both, so mistakes and mischief get caught early.
Payroll · 8 transfers
Prepared by ChiamakaDone
Approved by AmakaDone
TotalNGN 1,045,000.00
Chapter 6 · End of month
And the state gets its share.
Amaka pays her market levy with a Government Revenue Number. At the ministry, Hauwa watches revenue arrive by item and sends treasury its report — no chasing bank tellers, no missing receipts.
GRN-0215-261130-005102
Market stall levy · Lagos Island
NGN 12,000.00Paid
Treasury report · November
Ready to download
Built for how Nigeria actually pays.
- Cards
- Bank transfer
- USSD
- GRN at the bank
- Payment links
- Bulk payouts
For the people who build it
Your developer will thank you.
Test mode from day one, clear test and live keys, signed webhooks with a log you can replay, and one ID per payment from checkout to settlement.
- 2-step sign-in for every user
- Secret keys shown once
- Card data never touches your dashboard
- Licensed by the Central Bank of Nigeria
# Charge Adedapo ₦50,000 (amounts are in kobo)
curl https://api.bluepay.ng/v1/payments \
-H "Authorization: Bearer $BLUEPAY_SECRET_KEY" \
-d amount=5000000 -d currency=NGN \
-d reference=AMAKA-ORD-1903072
# → { "id": "BPY01JCB7R2Z5K8M3QF6T9WXYNDHX", "status": "pending" }Pay when you get paid.
No setup fee, no monthly bill. A small fee per successful payment, and a flat fee per payout. Government pricing is agreed with each MDA.
Collecting payments
TBC
Paying out
TBC
per transfer, single or bulkYour story starts with one payment.
Open a free account in a few minutes. Test everything. Go live when you're ready.