Bank transfer and card, in one checkout
Get paid by transfer and card. Know the moment it lands.
DelwaPay lets businesses and apps collect money, send invoices and payment links, split payments and pay out, with a dashboard your whole team can read and an API your developers will like.
- Free to sign up
- Test mode from day one
- No setup or monthly fees
Your customers pay the way they already do
- Bank transfer
- Visa · Mastercard · Verve
- Dedicated accounts
- Payment links
Collect
Every way to take money, in one account.
Start with a payment link today and add the API when you need it. Every payment lands in the same dashboard, the same balance and the same settlement.
Checkout that works on any phone
Hosted or inline on your site. Customers pay by bank transfer or card and see a clear receipt.
Payment links
Share a link on WhatsApp, email or a flyer. Fixed or open amounts, no code needed.
Invoices with reminders
Send an invoice, let DelwaPay remind the customer, and see it marked paid on its own.
Subscriptions and plans
Charge the same customers every week, month or term, with retries and a record of every cycle.
Dedicated accounts
Give each customer their own account number. Every transfer into it is matched to them.
Split payments
Share each payment between subaccounts by percentage or amount, and settle every share to its own bank.
Move money
Your money, on its way to the bank.
See what is pending, what is settling and when it will arrive. Every settlement comes with its lines, so your accountant can match it to the kobo.
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Next-day settlements
Paid to your bank the next working day, or weekly, or on demand.
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Transfers and bulk payouts
Pay suppliers and staff from your balance, one at a time or a hundred at once.
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Refunds from the dashboard
Full or partial, recorded against the original payment.
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Exports and statements
Download transactions and settlements for your books.
The dashboard
A dashboard your whole team can read.
Find any payment by reference, email or amount in a second. See who paid, how and when, and what happens to the money next.
- Search everything from one box, with ⌘K
- Test and live data kept completely apart
- Customers, invoices, links and settlements in one place
- Light and dark appearance, on desktop and phone
For developers
An API you can learn in an afternoon.
A clean REST API that follows the conventions of the major Nigerian gateways, so moving over is quick. Start a payment, send your customer to the checkout, verify, deliver.
- Test and live keys
- Signed webhooks with retries
- Idempotent requests
- Dated API versions
- OpenAPI spec
- Request logs in the dashboard
- PHP and Node libraries
- Key rotation with overlap
# Your server starts the payment (amounts are in kobo)
curl https://api.delwapay.com/transaction/initialize \
-H "Authorization: Bearer pri_test_…" \
-H "Content-Type: application/json" \
-d '{ "email": "ada@example.com", "amount": 1850000 }'
# → send the customer to authorization_url
{
"status": true,
"data": {
"authorization_url": "https://checkout.delwapay.com/…",
"reference": "DP-8F2K1XQ4ZT0A"
}
}# Confirm before you deliver
curl https://api.delwapay.com/transaction/verify/DP-8F2K1XQ4ZT0A \
-H "Authorization: Bearer pri_test_…"
{
"status": true,
"data": {
"status": "success",
"amount": 1850000,
"channel": "bank_transfer",
"domain": "test"
}
}# DelwaPay tells your server the moment it lands
POST /webhooks/delwapay
x-delwapay-signature: 5f1c…
{
"event": "charge.success",
"data": {
"reference": "DP-8F2K1XQ4ZT0A",
"amount": 1850000,
"paid_at": "2026-09-29T10:42:11+01:00"
}
}Stay in control
Built to account for every kobo.
A double-entry ledger
Every payment, fee, refund and payout is recorded twice, so balances always add up.
Risk checks on every payment
Unusual payments are held for review before their money settles.
Your team, with roles
Invite owners, finance, developers and support, each seeing only what they need.
Disputes with evidence
Answer a dispute from the dashboard with documents, and see its outcome.
Getting started
From sign-up to live payments.
Pricing: 1.5% per successful payment, capped at ₦2,000. No setup or monthly fees. See pricing
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1
Create your account
Sign up free in minutes. You get test keys straight away and your own dashboard.
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2
Build and test
Take test payments, try payment links and invoices, and connect your app with the API.
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3
Get verified
Tell us about your business and upload your documents from the dashboard. We review them quickly.
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4
Go live
Live payments open for verified businesses as our licensed banking partner comes online.
What does early access mean?
You can create an account, get your keys and build your whole integration in test mode today, for free. Live payments open to verified businesses as our licensed banking partner comes online. Nothing about your integration changes when you switch from test to live keys.
Who can use DelwaPay?
Businesses, organisations and sole traders that operate lawfully in Nigeria and collect payments in naira: shops, schools, service businesses, platforms and marketplaces.
How do customers pay?
By bank transfer or by card (Visa, Mastercard and Verve), on a checkout built for phones. You can also give customers a dedicated account number to pay into.
When do I get my money?
Collections settle to your bank account on the next working day by default. You can choose a weekly schedule or pay out on demand from your balance.
Do I need a developer?
No. Payment links and invoices work straight from the dashboard. When you are ready to build, the API, webhooks and PHP and Node libraries are there.
How much does it cost?
There is no setup or monthly fee. You pay a small fee on each successful payment, and you can choose to pass it on to your customers. See the pricing page for the details.
Start building today. Go live when you're ready.
Create a free account and you get test keys, the full dashboard and every feature in test mode. Real money never moves in test mode.