UltraPay PayPayment GatewayPOST /v3/payments
Authorization: Bearer UPSECK_TEST-…
{
"tx_ref": "order-1001",
"amount": 25000,
"currency": "NGN",
"customer": { "email": "ada@shop.ng" }
}→ 200 { "status": "success", "data": { "link": "…/pay/…" } }
Payment received
₦25,000.00
Settled to UltraPay MFB · just now
Everything you need
Built for how Nigeria pays
Hosted checkout
A secure UltraPay page. Customers pay from their UltraPay account with a code sent to their phone.
Flutterwave-style API
POST /v3/payments, verify by ID or tx_ref, webhooks with verif-hash. Switch in an afternoon.
Payment links
Create a link in the dashboard and share it on WhatsApp or Instagram. No code needed.
Test & live keys
Build against a full sandbox, then go live after a quick review by the bank.
Instant settlement
Live payments land straight in your UltraPay MFB account. No waiting for payouts.
Multi-business
One login, many businesses, each with its own keys, webhooks and reports.
Create an account
Sign up and add your business. You get sandbox keys straight away.
Integrate
Call POST /v3/payments, or drop in inline.js. Test with account 0000000000.
Go live
Add your UltraPay settlement account, get approved, and start collecting.
Start collecting payments today
Free to start. Sandbox keys in under a minute. 1.4% per live transaction, capped at ₦2,000.