CBN Licensed Payment Solution Service Provider

Collections and Payouts โ€” all from one platform

Paylode gives businesses everything they need to collect money: via cards, virtual accounts and transfers, and payouts to any bank โ€” through a single API and dashboard.

Create your account โ†’ Explore the API
CBN licensed Bank-grade security Reliable multi-rail routing Next-day settlements
Products

One platform to collect and pay out

Whether you're taking money in or sending it out, Paylode routes every transaction across multiple rails for the best success rate โ€” so you don't have to integrate each bank yourself.

Collections โ€” money in

Accept payments your way

Give your customers every way to pay. Drop in our hosted checkout, generate no-code payment links, or call the API directly.
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Cards
Local and international debit & credit cards, with 3-D Secure authentication.
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Virtual accounts
Issue dedicated or one-time NUBAN accounts โ€” customers just transfer, and you're notified instantly.
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Bank transfers
Pay-with-transfer and pay-with-wallet flows, reconciled automatically in real time.
Payouts โ€” money out

Send money to any bank

Disburse to any Nigerian bank account, one at a time or in bulk. Fund once, pay out from a single balance โ€” Paylode handles the rails.
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Instant transfers
Single payouts to any NUBAN, settled in seconds across our connected rails.
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Bulk disbursements
Upload a file or call the API to pay salaries, vendors and refunds at scale.
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Smart routing
Each payout is routed for cost and reliability, with automatic retries and live status.
Why Paylode

Built to be the easiest way to get paid

No long sales cycles, no surprise fees, no heavy lifting. Get up and running in a day and only pay for what you use.

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Low, transparent pricing
Simple pay-as-you-go rates with no setup fees, no monthly minimums and no hidden charges. You always see exactly what each transaction costs.
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Easy onboarding
Sign up online and get sandbox keys instantly. Submit your KYC, and your live keys activate automatically the moment you're approved.
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Plug-and-play integration
A clean REST API, official SDKs, drop-in hosted checkout and webhooks โ€” or take payments with no code at all using payment links.
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One API, one dashboard
Collections and payouts live in the same place. Track every transaction, settlement and balance from a single view.
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Fast, reliable settlements
Next-day settlement straight to your bank account, with multi-rail routing that keeps success rates high even when one provider is down.
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Secure & compliant
CBN-licensed PSSP with bank-grade encryption, real-time AML monitoring and tiered KYC โ€” compliance handled so you can focus on growth.
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Real-time visibility
Live transaction monitoring, automated reconciliation and exportable reports keep your finance team always in sync.
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Support that responds
An AI developer assistant for instant integration answers, backed by a real human team when you need it.
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Scales with you
From your first transaction to millions, the same infrastructure grows with your business โ€” no replatforming required.
Get Started

Live in three steps

From signup to your first live transaction in a single day.

Create your account

Sign up in minutes and get instant access to a full sandbox with test API keys โ€” no commitment, no waiting.

Integrate & test

Use our SDKs, hosted checkout or payment links to start accepting payments and payouts in test mode right away.

Go live

Complete your KYC and your live keys activate automatically. Switch from test to live and start moving real money.

Get started free โ†’

Ready to start moving money?

Create your Paylode account today and start collecting payments and sending payouts โ€” with pricing that's clear from day one.

Create your account โ†’