Bill payment API pricing for Nigeria
Understand your purchase costs and resale margins before going live. Start with simulated purchases in the free sandbox; fund your partner account for production.
Your cost, selling price and margin
Your customers pay you through your own application. Production API purchases debit your funded partner account. Reconcile the final transaction debit and fees against the retail total you collected.
Set your retail price
The catalogue gives you your product cost. You decide the retail price in your own app and collect your markup through your own checkout.
Free sandbox to build in
Build and verify your whole integration on a sandbox key, with simulated purchases. Sandbox balances and purchases never move real money.
One integration, four categories
Airtime, data, electricity and cable TV run through one API. Build once, then sell across every category you enable, priced from the live catalogue.
Volume terms, product by product
Tell us your product mix and expected purchase volume and we will work out terms that fit. Terms are set per product, never one blanket rate.
Is my resale margin an API commission?
Your resale markup stays in your own checkout. It is not automatically credited to your RizPay wallet. Any separate incentive follows your agreed terms; there is no universal commission rate to assume.
A markup is not net profit. Account for the final purchase debit, customer payment costs, refunds and other direct costs before evaluating your contribution. Use your authenticated catalogue and transaction records, not a price embedded in a product name.
Comparing products? Browse the public product catalogue. For your API account costs, use the authenticated catalogue and agreed terms. Running high volume? Talk to us about terms.
Start Building Today
Create an account and follow the business-access steps in API settings. Then create a sandbox key and test the full purchase flow.
Sandbox purchases are simulated. They do not deliver real services.