Nigeria's Modern Payment Gateway

Accept Payments
with Confidence

Wittypay gives Nigerian businesses everything they need to collect payments online — fast settlement, secure transactions, and simple integration.

Start for Free View API Docs

✓ No setup fees ✓ KYC in 24 hours ✓ Instant payouts

Payment confirmed ✓

KYC approved

256-bit SSL

CBN Compliant

RSA-2048 Encrypted

99.9% Uptime

Instant Settlement

500+ Merchants

Why Choose Wittypay

Everything you need to get paid online

One platform to collect, manage, and settle payments — built for Nigerian businesses of all sizes.

Instant Payments

Process transactions in real time. Your customers pay and you're notified within seconds via webhook.

Virtual Accounts

Each customer gets a dedicated virtual account number. Payments are auto-matched and reconciled instantly.

Secure & Encrypted

RSA-2048 signing on every API call. All data transmitted over TLS 1.3. Fully CBN-compliant infrastructure.

Flexible Settlement

Choose daily, weekly, or instant settlement to your bank account. No minimum balance required.

Live Analytics

Real-time transaction dashboard, charts, and CSV exports. Always know your cash position at a glance.

Developer-Friendly API

REST API with comprehensive docs, webhooks, and an inline checkout SDK that drops into any website in minutes.

Simple Process

Up and running in 3 steps

No complicated paperwork, no waiting weeks. Start accepting payments in under 24 hours.

Create Your Account

Complete KYC

Upload your business documents. Our team reviews and approves most applications within 24 hours.

Start Accepting Payments

Copy your API keys, integrate our SDK or payment link, and start receiving payments immediately.

Create Free Account →

For Developers

Integrate in minutes, not days

Drop our inline checkout onto any page with a single script tag. Full REST API for custom flows.

Inline checkout popup — one script tag, no redirects

Webhooks — real-time payment notifications to your server

PHP, Node.js, Python — examples for all popular stacks

Test & Live keys — separate environments, same API

View Full API Docs Quick Start Guide

HTML

<!-- 1. Add the script -->
<script src="https://wittypay.online/js/checkout.js"></script>

<!-- 2. Trigger payment -->
<script>
  WittypayPop.open({
    key:     'pk_live_xxxxxxxxxxxx',
    amount:  5000,
    email:   'customer@example.com',
    name:    'John Doe',
    onSuccess: function(res) {
      console.log('Paid!', res.reference);
    }
  });
</script>

Our Team

The People Behind Wittypay

Built by Nigerians, for Nigerian businesses. We're passionate about making payments simple and reliable.

Ioryem Philip

Chief Executive Officer

Drives the strategic vision of Wittypay, committed to building Nigeria's most reliable and merchant-friendly payment infrastructure.

Amough Terhile

Founder

Conceived and built Wittypay from the ground up with a mission to make digital payments accessible for every Nigerian business, big or small.

Witty's Tech

Support Team

Our dedicated support team ensures every merchant gets fast responses and seamless assistance — available 24/7 via WhatsApp and email.

FAQ

Frequently Asked Questions

How do I get started with Wittypay?

Create a free account, complete your KYC verification (ID + business documents), and you'll receive your API keys and a virtual account within 24 hours — ready to accept payments.

What are the transaction fees?

Our fees are tiered by your daily volume: 1% (capped at ₦500) for Starter, 0.8% (capped at ₦200) for Growth, and 0.7% (capped at ₦100) for Enterprise merchants. No monthly fees, no setup fees, no hidden charges.

How quickly are settlements processed?

Choose instant, daily (T+1), or weekly settlement to your registered bank account. Settlements are processed on your selected schedule with no minimum balance.

Is Wittypay secure?

Yes. Every API call is signed with RSA-2048, data is transmitted over TLS 1.3, and we operate on CBN-compliant infrastructure. Your keys are never stored in plain text.

Can I integrate Wittypay into my website?

Absolutely. Use our inline checkout (one script tag), REST API, or payment links. Full documentation and code examples are in our API Docs.

What payment methods do customers use?

Customers pay via bank transfer to a dedicated virtual account, PalmPay wallet, or through our hosted checkout page. Payments are confirmed in real time.

Still have questions?

Our support team is available 24/7. Chat with us on WhatsApp or explore the full documentation.

Chat on WhatsApp Browse API Docs