Wallets, accounts and payouts, behind one API.

ZebaPay gives you a closed-loop wallet ledger, dedicated virtual accounts and bank transfers — with KYC, webhooks and a full sandbox included.

POST /api/public/v1/transfers

{
  "recipient_id": "rcp_…",
  "amount": 2500000,
  "narration": "Vendor payout"
}
→ 201 { "status": "successful", "fee": 2500 }

Every movement is a balanced double-entry posting. Balances update atomically — never half-written.

Issue a 10-digit NUBAN account per customer, on ZebaPay's own bank rails.

If the primary rail degrades, new accounts and payouts route to the backup without code changes.

Personal, Business Starter and CAC-registered tiers. Only the last 4 digits of BVN/NIN are kept.

Balances, transfers, recipients and signed HMAC-SHA256 webhooks with retries.

Verification queue, provider controls, write-only secrets vault, system ledger and audit trail.