Payments built around your business.

Collect payments, receive bank transfers and manage your transactions from one place.

Create your account Talk to sales

Built for businesses in Nigeria.

Biyapoint Payment

Payment received

₦125,000.00

StatusSuccessful

CustomerAhmed Musa

ReferenceBP-839201

Payment methodBank Transfer

Date08 Oct 2026

Fatima Bello₦25,000

Ibrahim Yusuf₦80,000

Chidinma Okafor₦14,500

Payment Collection

Collect payments without the extra work.

Give customers a convenient way to pay — card, bank transfer, USSD or a dedicated account — and see every payment land in one dashboard, whichever way it came in.

Every payment carries a reference you can match to your own records.

Status moves from pending to successful as funds clear.

Each payment is tied to a customer and tracked toward your next settlement.

Create your account

Recent paymentsLast 24h

Customer	Amount	Method	Status
Ahmed Musa	₦125,000	Bank Transfer	Successful
Fatima Bello	₦25,000	Virtual Account	Successful
Ibrahim Yusuf	₦80,000	Bank Transfer	Pending
Chidinma Okafor	₦14,500	USSD	Successful

Virtual Accounts

Give every customer a way to pay you.

Issue a dedicated account number per customer. Transfers sent to it are matched to that customer automatically — no manual reconciliation.

Receive bank transfers from any Nigerian bank.

Identify which customer paid, automatically.

Track incoming payments as they arrive.

Reconcile transactions against your records.

See how it works →

BiyapointDedicated Account

Account Name

ABC Stores Ltd

Bank

Example Bank

Account Number

1234567890

Sample account for illustration. Real accounts are issued per customer from your dashboard.

Payment Links

Send a payment link. Get paid.

No website needed. Create a link for an order or invoice and send it directly to a customer — they pay from a simple checkout page.

Create your account

Payment Link

Website Development

₦250,000

biyapoint.com/pay/ws-2k9fq1

Checkout

ItemWebsite Development

Amount₦250,000

Pay withBank Transfer

Developers

Built for developers.

Use the API to accept payments, create payment references and receive transaction updates directly in your application.

REST API with JSON responses

Webhooks for real-time payment events

Secret-key authentication, scoped per key

Test-mode keys for sandbox integration

Read the API documentation →

POST /payments

# Create a payment
curl -X POST https://api.yoursite.com/v1/payments \
  -H "Authorization: Bearer sk_test_..." \
  -H "Content-Type: application/json" \
  -d '{
    "amount": 50000,
    "currency": "NGN",
    "customer": "customer@example.com"
  }'

# Response
{
  "status": "success",
  "reference": "BP_9F3KQLM2WXCP"
}

payment.js

// Create a payment
const res = await fetch('https://api.yoursite.com/v1/payments', {
  method: 'POST',
  headers: {
    'Authorization': `Bearer ${secretKey}`,
    'Content-Type': 'application/json',
  },
  body: JSON.stringify({
    amount: 50000,
    currency: 'NGN',
    customer: 'customer@example.com',
  }),
});

// Response
{ status: 'success', reference: 'BP_9F3KQLM2WXCP' }

payment.php

<?php
// Create a payment
$ch = curl_init('https://api.yoursite.com/v1/payments');
curl_setopt_array($ch, [
  CURLOPT_POST => true,
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_HTTPHEADER => [
    "Authorization: Bearer {$secretKey}",
    "Content-Type: application/json",
  ],
  CURLOPT_POSTFIELDS => json_encode([
    'amount' => 50000,
    'currency' => 'NGN',
    'customer' => 'customer@example.com',
  ]),
]);
$data = json_decode(curl_exec($ch), true);

Who it's for

Built for the way businesses actually work.

Online businesses

Collect customer payments from your website or app.

Schools & organisations

Collect fees and identify payments from customers or students.

Service businesses

Send payment links and keep track of incoming payments.

Software companies

Integrate payment collection directly into your application.

Your Dashboard

See every transaction in one place.

Balance, settlements and transaction history, all in one dashboard — no spreadsheets.

Available balance

₦2,450,000.00

Today's transactions

₦384,500

Successful payments

124

Pending

Customer	Amount	Method	Status
Ahmed	₦50,000	Bank Transfer	Successful
Fatima	₦25,000	Payment Link	Successful
Ibrahim	₦80,000	Bank Transfer	Pending

Security

Your payments should be easy to manage. Your security shouldn't be an afterthought.

Token-based API authentication

Every API request is authenticated with a secret key that can be scoped and revoked at any time.

KYC verification

Business identity is verified before virtual accounts or settlements are enabled.

Webhook signature verification

Every webhook event is signed, so you can confirm it genuinely came from Biyapoint.

Transaction references

Every payment gets a unique reference you can track and match to your own records.

Activity tracking

Key generation, webhook changes and settlement requests are all recorded.

Secure dashboard access

Your dashboard session is separate from your API keys and expires on its own.

FAQ

Frequently asked questions

Create an account, complete KYC verification, and generate your API keys. You can then collect payments by card, bank transfer, USSD, virtual account or payment link, and track every transaction from your dashboard.

Yes. Virtual accounts and bank transfers accept payments from any Nigerian bank.

You issue a dedicated account number to a customer. Any transfer sent to that account is matched to the customer automatically and shows up in your dashboard.

Yes. Use the API to create payments, generate payment links and receive webhook notifications when a payment is completed.

Settlements move from pending to completed as funds are routed to your registered bank account. You can track the status of every settlement from your dashboard.

Yes. KYC verification confirms your business identity and is required before virtual accounts and settlements are enabled. You can explore the dashboard and API before it's done.