Settles T+1
Cards
Verve, Mastercard, Visa and AfriGo with 3-D Secure, saved cards for repeat payments and automatic network retries.
99.2%Card success rate, last 30 days
T+0Same-day settlement to your merchants
6 railsCards, NIP, USSD, NQR, debit and payouts
1.2 sMedian NIP transfer, end to end
Payment methods
Take money the way your
customers already pay.
Turn on any method from the dashboard. One checkout, one webhook format and one settlement report, whichever rail the money came in on.
Settles T+0
Transfers & virtual accounts
A dedicated NUBAN per customer or per order. Payments reconcile themselves, with no reference for anyone to type.
Settles T+0
USSD
Pay with a bank short code from any phone on any network. No data, no app, no card needed.
Settles T+0
NQR
NIBSS QR for counters and screens, accepted by every bank app that scans NQR. Funds land in seconds.
Settles T+1
Direct debit
e-Mandates for subscriptions, loan repayments and savings plans, on retry schedules you control.
Instant
Payouts & remittance
Single or bulk payouts to any Nigerian account, plus inbound IMTO corridors from the UK, US and EU.
Risk & compliance
Every payment screened
before it settles.
Sanctions screening, velocity limits and SAR drafting run inline on every transaction, so your compliance team reviews exceptions, not spreadsheets.
PayeeKudi Market Ltd 38 ms
OFAC SDNClear
UN Security CouncilClear
UK HMT & EUClear
Nigeria Sanctions ListClear
Real-time sanctions screening
Every payer, payee and beneficiary is checked against OFAC, UN, UK, EU and Nigerian sanctions lists before the money moves, with fuzzy name matching.
RulesVelocity limitsLive
Card •••• 4081 · attempts per 10 min4 / 5
BVN 2231••••90 · value per 24 h₦1.8M / ₦5M
Device 7c1e · new accounts per day3 / 3
2 bursts blocked in the last hour
Velocity throttling
Set limits per card, BVN, device or merchant. Bursts and card-testing attacks are slowed or blocked automatically, and every decision is explained.
SAR-2026-0418Draft ready
SubjectKudi Market Ltd
PatternStructuring: 14 transfers just under ₦5M in 48 hours
Value₦62,400,000
Timeline and evidence attachedExport for goAML
Automated SAR preparation
When activity crosses your thresholds, Betta Pay drafts the Suspicious Activity Report with the case timeline and evidence attached, ready to file with the NFIU.
Developer Hub
Integrate in an
afternoon.
A clean REST API described by a complete OpenAPI 3.1 spec, official SDKs, webhooks that always arrive and a sandbox that behaves like production.
import Betta from "@betta/pay";
const betta = new Betta(process.env.BETTA_SECRET_KEY);
const checkout = await betta.checkouts.create({
amount: 4850000, // kobo
currency: "NGN",
method: "transfer",
customer: { email: "ada@kudi.ng" },
settlement: { split: "kudi-market", schedule: "T+0" },
}, { idempotencyKey: "order_20931" });
// checkout.virtual_account.number → "9920441782"
POST /webhooks/bettacheckout.completed200 OK · signed
Inside the Developer Hubbettafinance.tech/developers
OpenAPI 3.1REST · JSON
POST/v1/checkouts
POST/v1/virtual_accounts
GET/v1/customers/{id}
POST/v1/refunds
POST/v1/payouts
openapi.yamlRESTful APIs
A complete OpenAPI 3.1 specification for checkouts, virtual accounts, customers, refunds and payouts.
TSTypeScript / Node.js
npm install @betta/payGOGo
go get bettafinance.tech/goPYPython
pip install betta-payPHPPHP
composer require betta/payDrop-in SDKs
Official libraries for TypeScript and Node.js, Go, Python and PHP, typed and versioned with the API.
checkout.completedDelivered
Attempt 1+0 s503
Attempt 2+30 stimeout
Attempt 3+2 min503
Attempt 4+8 min200 OK
X-Betta-Signaturet=1793608230,v1=5f2b9c0e… HMAC-SHA256 verified
Guaranteed webhooks
Exponential backoff retries, replay protection and HMAC-SHA256 signatures in the X-Betta-Signature header.
Test modesk_test_…4f2a
Mock NIP credit
→ 9920441782₦25,000.00
Inject credit4084 0840 8408 4081Success
4000 0000 0000 0002Declined
Interactive sandbox
A full simulated payment environment with mock NIP credit injection and test card datasets.
NIP · primary
99.4%Healthy
Card switch A
98.1%Healthy
Card switch B
91.7%Degraded
USSD aggregator
72.3%Bypassed
312 payments rerouted in the last hour. Zero failed at checkout.
Smart routing
When a switch goes down,
your checkout doesn't.
Betta Pay scores every switch, processor and bank in real time and sends each payment down the rail most likely to succeed, failing over in milliseconds.
- Health scored per rail, per issuer bank, per BIN
- Automatic failover with no change to your code
- Your own routing rules for cost or speed
Built for
Rails for the businesses
that move money.
Whether you serve merchants, lend, or bring money home from abroad, Betta Pay gives you licensed rails and the tooling around them.
PSSPs
White-label checkout, sub-merchant onboarding with KYB, and settlement splits for every merchant you serve.
Fintechs & lenders
Collections, virtual accounts and e-mandates for repayments, with instant disbursement the moment a loan is approved.
IMTOs
Receive inbound remittances and pay out to any Nigerian account or wallet in seconds, with CBN reporting handled.
Merchants & platforms
Marketplaces, schools and billers take payment on web, app, POS and USSD through a single checkout.
Pricing
Simple pricing. No setup fees.
Pay only for successful payments. Failed and reversed transactions are always free.
MethodFeeCap
Local cards1.4%NGN 2,000
Transfers & virtual accounts1.0%NGN 300
USSD1.4%NGN 2,000
NQR0.5%NGN 1,000
PayoutsNGN 25 flat—
PSSPs · IMTOs · High volume
Talk to salesCustom pricing
Processing over NGN 500M a month, or running your own merchants? Get interchange-plus pricing and a dedicated settlement account.
- Interchange-plus or blended rates
- 99.95% uptime SLA with service credits
- Named solutions engineer and 24/7 escalation
Start accepting payments today.
Sandbox keys in minutes. Go live as soon as your KYB clears, usually within 48 hours.