rafiqPay Developer Documentation
Build payment experiences on Nigerian payment infrastructure. Accept cards, bank transfers, and rafiqPay wallet payments, bill with invoices and subscriptions, and pay out to bank accounts, all on a double-entry ledger.
Product Suite & Pillars
Everything you need to accept payments, manage recurring billing, and disburse payouts in Nigeria.
Payments & Hosted Checkout
Hosted checkout sessions with one-time bank transfer accounts and a countdown, card payments (with USSD on the provider’s page), and “Pay with rafiqPay” from a customer’s wallet.
Billing & Smart Invoices
Subscriptions with courtesy reminders (no late fees or interest), and invoices that accept part payments without late penalties. Usage-based billing is not built yet.
Wallets & Direct Debit Mandates
Give customers permanent bank accounts that pay you, save their cards with consent, and debit GTBank accounts under direct-debit mandates they approve.
Money Out
Single and batch payouts to Nigerian bank accounts, made by your team, with a second approver for large amounts.
Connect & Marketplace Splits
KYB verification tiers for your business. Connected sub-merchant accounts and split payments are not live yet: today they are records only.
Cards & Card Issuing
Not live yet: no card processor is connected. Card records, spending limits and blocked merchant category (MCC) rules exist so they can be tried in test mode.
Foundational Architecture
Read these essential concepts before writing your first production integration.