Collect payments through Dedicated Virtual Accounts and Pay With Transfer, with merchant callbacks and a dashboard for tracking your collections.
Reusable collection accounts
Payment-specific transfer accounts
Next eligible settlement day
Everything you need to accept payments
Built for developers, designed for businesses. Get started in minutes with our powerful API.
Use server-side API authentication and verify signed merchant callbacks before processing payments.
Use the HTTP API, integration guide and Postman collection to connect your backend.
Track payment status and merchant notification results through the existing integration endpoints.
Use a Dedicated Virtual Account or a payment-specific PWT account, according to your approved merchant access.
Monitor transactions, track revenue, and gain insights with our powerful dashboard and reporting tools.
Contact the ZenithPay team for help with your integration and merchant access.
Get started in 3 easy steps
Sign up for free and get instant access to your dashboard. No credit card required.
Use the documented HTTP endpoints and keep your merchant token on your backend.
After business approval and integration verification, accept supported collections for your business.
curl -X POST 'https://zenithpay.ng/api/transaction/initialize' \
-H 'Authorization: Bearer YOUR_MERCHANT_TOKEN' \
-H 'Idempotency-Key: YOUR_STABLE_PAYMENT_KEY' \
-H 'Accept: application/json' \
-H 'Content-Type: application/json' \
-d '{"amount":1000,"email":"customer@example.invalid","callback_url":"https://merchant.example.com/payment/callback"}'Payment confirmation and settlement are separate. Confirmed collections remain pending settlement under the existing D+1/T+1 rules. Settlement is scheduled for 06:00 Africa/Lagos on the next eligible day, including weekend and configured holiday deferrals.
Read the settlement policyCreate your account, complete business verification and connect the collection service approved for your business.