Give every customer their own dedicated PalmPay or OPay account number. They transfer, your system gets credited — automatically, 24/7. No POS. No card fees. No manual confirmation.
Simple Integration
No complex bank integrations. No waiting weeks for approval. PaymentPoint gets your business collecting payments in minutes.
Create a free business account at paymentpoint.co. Provide your business name, email and basic details. Verification is fast.
From your dashboard, copy your Bearer Token, API Key and Business ID. These are the only credentials you need to integrate.
Call the API once per customer to generate their dedicated PalmPay or OPay account number. Store it in your database — it's permanent.
When a customer transfers, PaymentPoint fires a webhook to your server. Parse it, credit the customer, done. Zero manual work.
Why PaymentPoint
Purpose-built for Nigerian businesses who need reliable, automated payment collection without the headaches.
Each customer gets their own permanent PalmPay or OPay account number — no confusion, no mismatched payments, perfect reconciliation.
The moment a payment lands, PaymentPoint pings your server with full transaction details. Credit your customer in real time, automatically.
At approximately 0.5% per transaction, PaymentPoint is significantly cheaper than POS charges of 0.5%+₦100 or card fees of 1.5%. Keep more of every payment.
One endpoint to create accounts. One webhook to receive payments. If you can make an HTTP request, you can integrate PaymentPoint in hours, not weeks.
Every virtual account is uniquely tied to one customer. Payments can only be routed to their designated account — no mix-ups, no fraud risk.
Every payment, every webhook, every transaction ID is logged. Reconcile your books, handle disputes and generate reports with complete data.
Customers can pay at 2am on a Sunday. Your system receives and processes it automatically. No office hours, no manual approvals required.
Customers can transfer from GTBank, Access, Zenith, Kuda, Moniepoint, OPay or any other Nigerian bank — they all work seamlessly.
PHP, Node.js, Python, Laravel, Django — PaymentPoint is a standard REST API. If your platform can make HTTP calls, it can integrate PaymentPoint.
Industry Use Cases
From small VTU shops to large e-commerce platforms — PaymentPoint powers automated payment collection across every industry.
Assign each customer a dedicated account at checkout. When they transfer, their order is confirmed and fulfilled automatically — no payment proof needed.
Let agents fund their wallets instantly via bank transfer. No waiting for admin approval. Wallets credited in seconds — agents stay stocked, you stay profitable.
Assign each student a payment account for fees. Parents transfer from any bank, the system marks payment as received and sends a receipt automatically.
Collect delivery fees before dispatch. Each order gets a unique payment reference. Know exactly which payment belongs to which delivery — no confusion.
Power your app's wallet funding with PaymentPoint. Users get dedicated accounts, transfers are detected instantly and wallets are credited in real time.
Subscription services, event ticketing, rental platforms, professional services — if you collect money from customers, PaymentPoint automates the entire process.
Transparent Pricing
PaymentPoint's fee structure is among the most competitive in Nigeria. No monthly fees. No setup costs. You only pay when you receive money.
* Exact fees confirmed on your PaymentPoint dashboard. Visit paymentpoint.co for current rates.
Developer Friendly
PaymentPoint's API is clean, simple and well-documented. Here's all the code you need to create a virtual account for a customer.
That single API call above creates a real bank account number that your customer can transfer to from any Nigerian bank or app — forever.
When they pay, PaymentPoint sends a webhook to your server with the full transaction details. Parse it and credit your customer automatically — no human involvement needed.
No complex OAuth flows. No SDK to install. Just HTTP requests — the same technology powering Nigerian fintech at scale.
Got Questions?
Everything business owners ask before integrating PaymentPoint.
Join Nigerian businesses already using PaymentPoint to receive money from customers without lifting a finger. Sign up free — no setup cost.