Payments infrastructure for Nigerian businesses

Move money through your business, programmatically.

Generate a unique bank account for every payment, collect by transfer, and send money back out — through one API, one dashboard, and signed webhooks.

Create an account See the platform

Test mode is free. No card network required.

0.80%: on collections, capped at ₦100
NGN: bank transfer, end to end
2: environments — test and live

Virtual account

RADOK/ADA OKONKWO

9901234567

Providus Bank

Pay in from any Nigerian bank

Collection

Event registration

₦15,000

Succeeded

Payment link

Class contribution

₦5,000

Reusable · 27 payments

pay.radokpay.com/pl/…

Webhook

collection.success

col_3a7d5e1f9b2c4d68

Delivered · 200 OK

Signed, with replay

Payout

₦250,000

Acme Stores Ltd

GTBank •••• 4821

Verified destination

Collection

Website design

₦250,000

Awaiting payment

API key

sk_test_a1b2c3•••••••••

Test environment

Test keys never move real money.

Virtual account

RADOK/ADA OKONKWO

9901234567

Providus Bank

Pay in from any Nigerian bank

Collection

Event registration

₦15,000

Succeeded

Payment link

Class contribution

₦5,000

Reusable · 27 payments

pay.radokpay.com/pl/…

Webhook

collection.success

col_3a7d5e1f9b2c4d68

Delivered · 200 OK

Signed, with replay

Payout

₦250,000

Acme Stores Ltd

GTBank •••• 4821

Verified destination

Collection

Website design

₦250,000

Awaiting payment

API key

sk_test_a1b2c3•••••••••

Test environment

Test keys never move real money.

In the wild

Payment links and virtual accounts for the businesses that actually collect.

Woman holding a phone outside a small shop — Shop
Collect for an order

Woman with a phone at a fruit stand — Market
Get paid by transfer

Woman selling food at an outdoor market in Benin City — Street commerce
Share a payment link

People coding together on a laptop in Yaba, Lagos — Build
Integrate the API

Who it's for

Built for the business and the product.

Use Radok from the dashboard, or wire it into your own stack. Same rails either way.

For businesses
Collect money without building payment infrastructure.
- Payment links
- Virtual accounts
- Verified payouts
See how it works
For developers
Integrate the infrastructure into your product.
- APIs
- Webhooks
- Sandbox
- Idempotency
Explore the API

How it works

Bank transfer, demystified.

One movement of money, start to finish. No card network, no checkout SDK, no reconciliation guesswork.

Generate a unique bank account for every payment

Create a virtual account for a customer, an invoice, or a payment link. It is a real NUBAN they can transfer into from any Nigerian bank.

Unique per payment
Optional expiry
Matched automatically

Or share a link and write no code

A hosted checkout on pay.radokpay.com. Fixed or customer-chosen amount, the fields you need, your brand colour. Customers do not need a Radok account.

One-time or reusable
Custom fields
Your logo and theme

The transfer lands and we tell you

We match the inbound payment, take the platform fee, credit your balance, and send a signed webhook. Every movement is on a double-entry ledger.

Awaiting → succeeded
Fee and net on every record
Signed events, with replay

Send it back out

Withdraw to a verified bank account. Idempotent by design, with optional Finance approval and step-up verification before money leaves.

Name-verified destinations
Approval workflow
Idempotency keys

Virtual account

RADOK/ADA OKONKWO

9901234567

Copy

Providus Bank

Expected₦5,000.00

Expiresin 60 minutes

Referenceva_9f4c1b8e

Payable from any Nigerian bank app

Generate a unique bank account for every payment

Create a virtual account for a customer, an invoice, or a payment link. It is a real NUBAN they can transfer into from any Nigerian bank.

Unique per payment
Optional expiry
Matched automatically

Virtual account

RADOK/ADA OKONKWO

9901234567

Copy

Providus Bank

Expected₦5,000.00

Expiresin 60 minutes

Referenceva_9f4c1b8e

Payable from any Nigerian bank app

Or share a link and write no code

A hosted checkout on pay.radokpay.com. Fixed or customer-chosen amount, the fields you need, your brand colour. Customers do not need a Radok account.

One-time or reusable
Custom fields
Your logo and theme

Acme Events

Event registration

Join us for the 2026 business conference.

₦10,000.00

Full name

Ada Okonkwo

you@email.com

Pay ₦10,000.00

Secured by Radok · No account needed

The transfer lands and we tell you

We match the inbound payment, take the platform fee, credit your balance, and send a signed webhook. Every movement is on a double-entry ledger.

Awaiting → succeeded
Fee and net on every record
Signed events, with replay

Collection

col_3a7d5e1f9b2c4d68

₦5,000.00

Succeeded

Awaiting payment
11:38
Transfer received
11:42
Succeeded
11:42

Platform fee₦40.00

Net credited₦4,960.00

Send it back out

Withdraw to a verified bank account. Idempotent by design, with optional Finance approval and step-up verification before money leaves.

Name-verified destinations
Approval workflow
Idempotency keys

Withdraw funds

Available balance

₦1,284,500.00

Payout accountGTBank •••• 4821

Account nameAcme Stores Ltd

Amount₦250,000.00

Fee₦50.00

Withdraw funds

Requires step-up verification

Platform

Everything the money touches.

Collections, links, payouts, credentials, compliance — one account, two environments.

Money in
Collections
Every amount a customer owes, tracked from awaiting payment through to succeeded, failed, or expired — with the fee and the net beside it.
Money in
Virtual accounts
Dedicated NUBANs for collection, wallet funding, or a payment link.
Money in
Payment links
A hosted page you can share on WhatsApp, email, or from your app.
Money out
Payouts
Withdraw to verified bank accounts. Pending, processing, succeeded, failed, reversed — every state is visible.
Money out
Payout accounts
Name-enquiry verified destinations. Account numbers stay masked in the browser.
Developers
API keys and sandbox
Separate test and live keys, rotation behind step-up, and a sandbox that simulates an inbound payment without moving real money.
Developers
Webhooks
Signed events, delivery logs, replay, and a test event you can fire yourself.
Compliance
KYB and go-live
Business details, CAC and MEMART, directors. Reviewed by Radok before live money moves.

End to end

From request to settled naira.

01
Your application
Call the API with a secret key. The key decides test or live.
02
Virtual account
Radok creates a NUBAN and returns it with a collection attached.
03
Customer transfers
They pay from any Nigerian bank app. No card, no redirect.
04
Collection succeeds
We match the payment, take the fee, and credit your balance.
05
Webhook fires
collection.success arrives signed, with amount and netAmount.
06
You withdraw
Move the balance to a verified bank account when you need it.

Developers

One base URL. Test and live decided by the key.

Amounts are integers in kobo. Responses share one envelope. Money-moving calls take an idempotency key, so a retry is never a second payment.

Read the docs

collect.sh

curl -X POST https://api.radokpay.com/v1/virtual-accounts \
  -H "Authorization: Bearer sk_test_a1b2c3_YOUR_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "customerEmail": "ada@example.com",
    "amount": { "value": 500000, "currency": "NGN" },
    "expiresInMinutes": 60
  }'

201 Created

{
  "data": {
    "reference": "va_9f4c1b8e2d7a6c05",
    "bankName": "Providus Bank",
    "accountNumber": "9901234567",
    "collection": {
      "reference": "col_3a7d5e1f9b2c4d68",
      "status": "awaiting_payment"
    }
  }
}

500000 is ₦5,000.00 — every amount is in kobo.

Guarded where it matters.

01
Two-factor and sessions
Authenticator-based 2FA, visible active sessions, and revoke-all when something looks wrong.
02
Step-up before money moves
Creating a payout, rotating a key, or changing a webhook asks for verification again.
03
KYB before live
Live keys only after Radok reviews your business documents and directors.

Pricing

0.80% on collections, capped at ₦100.

The fee never exceeds ₦100, even on large amounts. Test mode is free.

See full pricing

Collection

₦100,000

Fee

₦100

You keep

₦99,900

Payouts are a separate flat fee by amount — see full pricing.

Start collecting.

Create an account, get a test key, and create your first virtual account in the next few minutes.

Create an account Talk to us

Move money through your business, programmatically.Move money throughyour business,programmatically.

Built for the business and the product.

Collect money without building payment infrastructure.

Integrate the infrastructure into your product.

Bank transfer, demystified.

Generate a unique bank account for every payment

Or share a link and write no code

The transfer lands and we tell you

Send it back out

Generate a unique bank account for every payment

Or share a link and write no code

Event registration

The transfer lands and we tell you

Send it back out

Everything the money touches.

Collections

Virtual accounts

Payment links

Payouts

Payout accounts

API keys and sandbox

Webhooks

KYB and go-live

From request to settled naira.

Your application

Virtual account

Customer transfers

Collection succeeds

Webhook fires

You withdraw

One base URL. Test and live decided by the key.

Guarded where it matters.

Two-factor and sessions

Step-up before money moves

KYB before live

Start collecting.

Move money through your business, programmatically.