ZebaPayPayment infrastructure · Built in Nigeria
Payment Infrastructure for Modern Businesses
ZebaPay provides the APIs and infrastructure that businesses, developers and digital platforms use to integrate payment-related services into their own products — virtual accounts, wallet balances, transaction tracking and event notifications.
A technology platform for payment integration. ZebaPay is not a bank.
Core capabilities
Everything you need to accept, record and settle payments inside your own platform.
Virtual Accounts
Issue dedicated account numbers so incoming customer payments can be identified and matched automatically.
Payment APIs
A single, consistent API surface for initiating, tracking and reconciling payment activity in your own product.
Wallet Infrastructure
Balances built on double-entry accounting, so every movement is recorded completely or not at all.
Transaction Webhooks
Signed event notifications with retries, so your systems learn about payment activity as it happens.
Developer Integrations
Sandbox keys, predictable responses and documentation to help you integrate and test before going live.
Business Payment Tools
A console for verification, transaction history, settlement details, API keys and team controls.
How it works
A payment moves through five clear stages, and each stage is recorded.
- 01
Customer
A customer or end user starts a payment.
- 02
Payment / API
The request reaches ZebaPay through an account number or API call.
- 03
Infrastructure
ZebaPay records the activity on its ledger.
- 04
Verification
The transaction is validated and processed.
- 05
Settlement
Funds are settled to the verified business account.
Built for developers and businesses
ZebaPay is designed as infrastructure, not a closed product. Businesses, software teams and digital platforms integrate our APIs directly into their own applications, websites and services — so payment collection, balances and notifications work inside the experience their customers already use.
- Software teams building payment features into client platforms
- Online businesses collecting customer payments at checkout
- Digital service and utility platforms handling recurring payments
- Marketplaces that need per-customer account numbers
{
"customer_ref": "cus_8241",
"name": "Amina Yusuf"
}
→ {
"account_number": "••••••3021",
"status": "active",
"currency": "NGN"
}Developer platform
Integrate in your own stack, with the tooling you expect from an API-first platform.
API-first architecture
Every capability is available programmatically — no manual steps required.
Webhooks
Signed, retried event delivery keeps your backend in sync.
Transaction tracking
Query status, history and references for reconciliation.
Integration-ready
Sandbox environment and clear errors for fast integration.
Documentation
Endpoint reference, payload examples and webhook signatures.
Key management
Create, rotate and revoke API keys from your console.
Security and reliability
ZebaPay is designed with security, transaction integrity and reliable processing in mind. Balances are kept on a double-entry ledger, sensitive credentials are stored as hashes, and access to business data is restricted to the account that owns it.
Transaction integrity
Every movement is a balanced ledger posting — no partial writes.
Credential protection
API keys, PINs and one-time codes are stored hashed, never in plain text.
Data minimisation
Identity details are kept to the minimum needed for verification.
ZebaPay is a technology platform and does not hold a banking licence. Descriptions above reflect how the platform is built and do not represent certifications or regulatory approvals.
Build with ZebaPay
Create an account, integrate in sandbox, and go live when you are ready.