Your users. Your app. Nigeria's bill payments.
You know your users. You decide how they fund their account. You use our API to offer them airtime, data, electricity, and cable TV. You earn a margin on every transaction, credited to your RizPay wallet automatically.
Nigeria's bill payment infrastructure as a service: all networks, all distribution companies, one API.
By integrating you agree to the Partner Agreement.
How the RizPay API works
You bring the users. We bring the infrastructure. You keep the margin.
You own the user relationship
Your users authenticate with your app. You control their experience. We are invisible infrastructure: no RizPay branding, no redirects, no separate login.
You control funding
Your users fund their account however you decide: bank transfer, card, USSD. We provision a dedicated virtual account per user and handle the reconciliation.
Earn on every transaction
Set your own margins. Every time a user completes a purchase through your app, your earnings are credited to your RizPay wallet automatically.
Four product categories, one API
Airtime (MTN, Airtel, Glo, 9mobile), data plans, electricity (all DisCos), and cable TV (DStv, GOtv, Startimes). One integration covers everything.
Webhooks for real-time events
Get notified on purchase success, failure, and reversal. Every webhook is signed with HMAC-SHA256 so you can verify it came from us.
Full sandbox environment
Test every product category without moving real money. Sandbox API keys are separate from production, so you can build and verify before going live.
Why choose RizPay?
Everything you need to build and grow a bill payment business on top of our platform.
Competitive rates
Earn a margin on every transaction. Volume bonuses available for high-transaction partners.
Fast integration
Single API for all bill payment categories. Clear documentation, code examples, and a full sandbox so you can go from zero to live quickly.
Secure infrastructure
Bank-grade security with end-to-end encryption. Secure, compliant infrastructure managed by RizPay.
Real-time transaction events
Webhooks for every transaction event - success, failure, and reversal, with automatic retries on failed deliveries.
Built for developers
Clear docs, working code examples, and a sandbox that mirrors production. No surprises when you go live.
Dedicated support
Priority support for API partners. We are here to help you ship and succeed.
Simple Integration
Buy airtime with just a few lines of code
const response = await fetch(
'https://my.rizpay.app/api/partners/v1/purchases',
{
method: 'POST',
headers: {
'Authorization': 'Bearer sk_live_your_secret_key',
'Content-Type': 'application/json'
},
body: JSON.stringify({
product_id: 'prd_mtn_airtime',
amount: '1000.00',
phone_number: '08012345678',
external_reference: '1736234400A1B2C3'
})
}
);
const data = await response.json();
console.log(data.data.status); // 'successful'Official SDKs in four languages
Fully typed clients for TypeScript, Python, PHP and Ruby. Real methods, real models, autocomplete in your editor: skip the hand-rolled HTTP layer and ship your first purchase call today.
Docs your AI agent can actually read
Point your AI coding agent at our documentation and it writes a correct integration, because the docs are machine-readable by design, not just human-readable.
Connect your coding agent
Claude, Cursor, and any other MCP client can search and read our documentation while it writes your integration, so it works from the real contract instead of guessing.
Built for LLM context
The whole documentation set is published as clean plain text an assistant can read in a single pass, so it starts with complete, current context instead of scraped fragments.
Markdown, not scraped HTML
Every documentation page is available as clean markdown, so your tooling reads exactly what you read. No parsers, no scrapers, no drift.
One click to your assistant
Every page has a menu to copy it as markdown or open it straight in Claude or ChatGPT, so you can ask questions about the exact page you are reading.
Products Supported
One API for all Nigerian bill payments. Expand your service offering instantly.
Airtime
MTN, Airtel, Glo, 9mobile
- Instant delivery
- All networks
- Any amount
Data Plans
Daily, weekly, monthly bundles
- All networks
- Best rates
- Instant activation
Electricity
All distribution companies
- Prepaid & postpaid
- Instant token
- Nationwide coverage
Cable TV
DStv, GOtv, Startimes
- All packages
- Instant activation
- Renewal & new
Simple, Transparent Pricing
No subscription, no hidden fees. You earn a margin on every transaction, not the other way around.
No monthly fee, ever
API access costs nothing to start. You set your own margin, and every purchase your users complete through your app credits your earnings to your RizPay wallet automatically.
Free sandbox to build in
Sandbox API keys are separate from production, so you can build and verify your entire integration before you go live, at no cost.
One integration, four categories
Airtime, data, electricity, and cable TV all run through a single API. Build once, sell across every category.
Volume terms for scale
Running high transaction volume? Get in touch and we will work out terms suited to your scale.
Looking for consumer product rates? See airtime, data, electricity & cable TV pricing. Running high volume? Talk to us about terms.
Rather We Built It?
Not every partner wants to write the integration themselves. Our team can build it into your existing product, or build the whole thing from scratch.
Integrate into what you already have
Running a product with real users already? Our team integrates the Developer API directly into your existing app or platform, so bill payments become one more thing it already does.
Build your app from scratch
Starting from zero? We design and build a complete customer-facing app, mobile and web, on top of the same rails you would otherwise integrate yourself.
Ship it under your brand
The API is invisible infrastructure: no RizPay branding, no redirects. Whatever we build for you carries your brand from the first screen to the last.
Start Building Today
Create an account, pull your sandbox keys, and make your first purchase call in minutes. No sales call required.
No credit card required. Free tier available.