Payinto Business API
Build collections, payouts, and bill payments into your product with one server-to-server API.
The Business API is for your backend. It authenticates with a secret key and covers the money flows a business needs: issuing account numbers, collecting payments, paying out, and paying bills.
The base URL for every endpoint is:
https://api.payinto.co/api/v1/businessStart here
Quickstart
Make your first authenticated call and create a virtual account.
Environments
Test safely with sandbox keys before going live.
API Reference
Browse every endpoint and try requests in the playground.
Webhooks
Verify signatures and handle retries.
What you can build
| Goal | Use | Guide |
|---|---|---|
| Give each customer a reusable account number | Static virtual accounts | Virtual accounts |
| Add a payment popup to your site | Checkout SDK | Checkout SDK |
| Collect one expected payment | Dynamic virtual accounts | Collections |
| Pay a vendor or a customer | Transfers | Transfers |
| Pay many recipients at once | Bulk transfers | Bulk transfers |
| Sell airtime, data, or utilities | Value-added services | Bill payments |
| Verify a customer's identity | BVN and NIN checks | Customers |
Conventions
- Amounts are integers in the lowest currency unit. For
NGN,150000means ₦1,500.00. - Responses share an envelope of
status,message,timestamp, anddata.statusissuccessorerror, andtimestampis in Unix milliseconds. - Access is per module. Payinto enables modules such as
transfersandcustomersfor each business. A disabled module returns403.