Payinto Business API

Move money from your own product

Collect payments with virtual accounts, pay out to bank accounts, and sell bill payments through one server-to-server API.

Start the quickstartExplore the API
Check your keySandbox
curl https://api.payinto.co/api/v1/business/whoami \
  --header "Authorization: Bearer sk_test_your_secret_key"
{
  "status": "success",
  "message": "Business API credentials resolved successfully.",
  "data": {
    "business_name": "Example Merchant Ltd",
    "environment": "test"
  }
}

Get started in three steps

  1. Step 1

    Get your sandbox key

    Copy your sk_test_ key from the dashboard.

  2. Step 2

    Make your first call

    Follow the five-minute quickstart.

  3. Step 3

    Go live

    Switch keys when your integration is ready.

Explore the docs

Virtual accounts

Issue static and dynamic account numbers that settle into your Payinto account.

Checkout SDK

Add a hosted payment popup to your website in a few lines of code.

Collections

Accept order payments and confirm them with webhooks.

Transfers

Resolve beneficiaries, quote fees, and pay out, alone or in bulk.

Customers

Create customers and verify their BVN or NIN.

Webhooks

Verify signatures, handle retries, and process events once.

Built for the realities of payments

Read how to retry without paying twice, reconcile with webhooks, and stay within rate limits.