Payder for developers

Payments, refunds and payouts, from one API.

Build a marketplace or checkout on Payder. Take payments, refund them and pay your sellers in naira, with a full sandbox to test against.

Create a developer accountRead the quickstart

Already have a Payder account? Sign in with it to apply. Accounts are approved by Payder.

Create a checkout
curl -s https://sandbox-api.payder.ng/v1/checkouts \
  -H "Authorization: Bearer $KEY" \
  -H "X-Merchant-Id: $MID" \
  -H "Idempotency-Key: $(uuidgen)" \
  -H "Content-Type: application/json" \
  -d '{
    "reference": "ORD-1001",
    "amount": 1250000,
    "currency": "NGN",
    "customer": { "email": "buyer@example.com" },
    "returnUrl": "https://yourshop.example/return"
  }'

# 201
# { "id": "chk_9f2c...", "reference": "ORD-1001",
#   "checkoutUrl": "https://www.payder.ng/pay/chk_9f2c...",
#   "status": "pending" }

Everything you need to take money

Accept payments

Create a checkout and send buyers to a hosted page that takes cards and bank transfers.

Refund in full or part

Refund any paid checkout. Totals are enforced, so you can never refund more than was paid.

Pay out sellers

Send money to any Nigerian bank account, with balance checks and a clear audit trail.

Signed webhooks

HMAC-signed events with automatic retries for 24 hours and a delivery log with one-click resend.

A real sandbox

Test cards, test bank accounts and manual controls to rehearse every success and failure.

Safe by design

Idempotency on every write, hashed keys shown once, per-key rate limits, separate live and test keys.

From sign-up to live in four steps

  1. 1

    Create an account

    Sign up here, or sign in with your existing Payder login.

  2. 2

    Get approved

    A Payder admin reviews your account and emails you.

  3. 3

    Build in the sandbox

    Create your merchant, API key and webhook, then test with test cards.

  4. 4

    Go live

    When you are ready, Payder enables Live. Swap keys and you are taking real payments.