Appiawave
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Nigerian payment infrastructure

Nigeria pays by transfer. Get paid that way.

Appia Gateway gives every order its own account number. Your customer transfers from any Nigerian bank app — no reference to type, nothing to paste. You get a signed webhook the second it lands, and your beneficiaries get paid by 9am tomorrow.

Book a demo Read the docs

Looking for the personal app? Get AppiaPay →

  • 1.5% capped at ₦1,500
  • Settlement 9am next day
  • HMAC-SHA512 signed webhooks
  • No card, no OTP

01 — The argument

Card checkout was never built for this market.

Card checkout has four places to lose the sale.

  1. Card entry

    Enter 16 digits.

  2. One-time password

    Wait for an OTPthat may not arrive.

  3. 3-D Secure redirect

    Get redirected to abank page that maybe down.

  4. Return

    Come back.Hope.

Each step is a place to lose the sale.

Meanwhile the same customer will send you a transfer in nine seconds without being asked twice. That habit is the most reliable payment rail in the country. We built a gateway on it.

No card processing

1.5%, min ₦200, cap ₦1,500

There are no cards here, so there are no card rates.

No card-scheme chargebacks

A transfer the customer pushed

isn’t subject to the card chargeback process. So there is no dispute fee to pass on.

Nothing to fail

No OTP. No redirect.

No 3-D Secure step and no hosted page to theme. You render your own checkout.

02 — Pay With Transfer

Four steps. That’s the product.

  1. 1

    You open a charge

    One API call with the amount and your own order reference. You get back a dedicated account number, valid for 30 minutes.

  2. 2

    Your customer transfers

    They send the amount from any bank app, internet banking or USSD. No narration, no code, no reference to remember.

  3. 3

    We match it and tell you

    Automatic attribution, then a signed collection.successful webhook carrying expected vs received amount, fee, net and the payer’s details.

  4. 4

    We split and settle it

    Money lands in your Appia naira wallet. If you’ve set a split, every beneficiary is paid into their bank account at 09:00 WAT the next morning.

A charge stays open for 30 minutes. Expiry is a label, not a locked door — a late payment still settles and still credits you.

03 — What you get

Six decisions we already made so you don’t have to.

01

A fresh account number per order

Not per customer. That pairing of number and expected amount is what makes hands-off attribution possible.

02

Wrong amounts don’t break you

Overpayment settles and credits in full. Underpayment is returned to the sender automatically and reported as its own webhook event.

03

Your reference is the idempotency key

No extra header to learn. Replay the same reference, get the same account back — never a duplicate charge.

04

Splits that mirror your business

Many independent arrangements, percentage or fixed. Every beneficiary account is name-verified against the bank before it can receive a naira.

05

Settlement you can dry-run to the naira

Preview a payout per beneficiary — fees, totals, whether your balance covers it — with zero side effects, before you trigger it.

06

Webhooks you can actually verify

HMAC-SHA512 over the raw body, a published test vector, and verifiers in Node, Python, PHP and Laravel.

04 — Integration

One key. Four endpoints. Ship this week.

Gateway is API-only. You render your own checkout, so it looks like your product and nothing redirects. Everything is queryable by your reference — you never store an Appia ID.

Integration guide Read the docs →

Request

curl -X POST https://api.appiawave.com/merchant/initialize \
  -H "Authorization: Bearer sk_live_..." \
  -H "Content-Type: application/json" \
  -d '{ "amount": 25000, "reference": "order_8812", "account_name": "Ada Obi" }'

Response 201

{
  "account_number": "9901234567",
  "bank_name": "Providus Bank",
  "amount": 25000,
  "fee": 375,
  "fee_bearer": "merchant",
  "expires_at": "2026-07-26T14:32:00Z",
  "reference": "order_8812"
}

100 requests / 60s · standard X-RateLimit-* headers · key is sk_live_ + 64 hex

05 — Pricing

1.5%. Capped at ₦1,500.

Minimum ₦200 per collection. No card rates, because there are no cards. No monthly fee. No setup fee. You choose whether you absorb the fee or add it to what the customer pays.

Worked collection fee examples
Collection Fee Why
₦2,000₦200floor
₦10,000₦200floor
₦50,000₦7501.5%
₦100,000₦1,500cap
₦1,000,000₦1,500cap

A ₦1,000,000 collection costs the same as a ₦100,000 one.

Payouts are ₦55 per bank beneficiary transfer and ₦0 to an Appia wallet. No chargeback fees, because there’s no card network dispute to process.

Book a demo to confirm your rate

06 — Rails

Built on Nigerian bank rails with Providus Bank and Globus Bank.

Appiawave operates in partnership with licensed financial institutions. Card funding is handled by licensed processors. Delivery in the fulfilment pilot is handled by Picckr.

07 — For people

The same rails, in your pocket.

AppiaPay is the personal side of Appiawave: one naira wallet, your own dedicated account number, free transfers to any Appia username, and every bill in one place with no service fee.

Open AppiaPay App Store Google Play
Appia → Appia
₦0
Transfer fee, max
₦55
Bill service fee
₦0
Free daily transfers
First 3

Your customers already know how to pay you.

Book a demo Read the docs