altpay
Products
📱
AltPay QR
Accept payments without a POS. Just scan.
🌐
Payment Gateway
API-first checkout for your website or app.
Pricing Developers Roadmap FAQ
Talk to sales Get API keys
⚡ Developer-first · Live in Nigeria

The payment gateway with the best fee cap in Nigeria.

Accept card and USSD payments on your website or app. 1.5% per transaction, capped at ₦2,000. Integrate in hours with clean APIs and SDKs.

Get API keys → Read the docs
1.5%
Capped at ₦2,000
T+1
Next-day settlement
99.9%
API uptime
payment.js
// Initialize altpay gateway
import altpay from 'altpay';

const client = altpay.init({ apiKey: ALTPAY_SECRET_KEY });

// Create a payment session
const session = await client.payments.create({
amount: 500000, // ₦5,000
currency: 'NGN',
channels: ['card', 'ussd']
});

// fee: ₦2,000 (capped) ✓
// settles T+1 to your bank
Why altpay

A ₦1M transaction costs ₦2,000. Not ₦15,000.

altpay caps every transaction fee at ₦2,000, so the more you process, the more you save. It is a simple pricing decision for growing businesses.

See full pricing →
Transaction
Typical 1.5%
altpay
₦50,000
₦750
₦750
₦200,000
₦3,000
₦2,000 Save ₦1K
₦500,000
₦7,500
₦2,000 Save ₦5.5K
₦1,000,000
₦15,000
₦2,000 Save ₦13K
₦5,000,000
₦75,000
₦2,000 Save ₦73K
Built different

Three reasons businesses switch to altpay

💰
The ₦2,000 cap advantage
High-ticket businesses save more on every large payment with predictable costs and better margins.
🏢
A full business ecosystem
Register your business, get a corporate account, unlock higher limits and access more tools through The Alternative Bank ecosystem.
📱
USSD as a first-class channel
Capture customers who prefer USSD. altpay supports payment experiences that work across Nigerian realities.
Live now

Available today, ready to integrate

These channels are live and production-ready.

💳
Live Now
Card Payments
Accept Visa, Mastercard, and Verve with fast, secure checkout.
📱
Live Now
USSD Payments
Reach customers without smartphones or data. USSD works on any mobile phone.
🏦
Live Now
Next-Day Settlement
Funds from successful transactions settle to your bank account the next business day.
How it works

Up and running in minutes

Three steps from sign-up to your first live payment.

1
Connect altpay
Integrate altpay into your website, app, or checkout flow using our REST API, SDKs, or a plugin.
2
Accept payments
Your customers complete payments via card or USSD.
3
Get settled
Funds are processed and paid to your bank account the next business day.
Embedded checkout demo
Customer
Card
Pricing

Simple, transparent pricing

No subscriptions. No setup fees. No hidden charges. Just pay for what you process.

1.5%
per successful transaction
Capped at ₦2,000
✓
No monthly fees or subscriptions
✓
No setup or integration costs
✓
Next-day bank settlement
✓
Card and USSD payments included
✓
Real-time transaction dashboard
✓
Free API access and sandbox environment
Start accepting payments →
Product roadmap

Live today, and what's next

Here is exactly where each feature stands.

Live now
Card Payments
Visa, Mastercard and Verve accepted at checkout.
USSD Payments
Works on any phone.
Next-Day Settlement
T+1 to your bank account.
Payment Links
Share a link and get paid.
Recurring Payments
For subscriptions and retainers.
In development
Pay with Credit
Let eligible customers pay using credit at checkout.
Installment Payment
Split payments into installments.
On the horizon
Inter-bank Transfers
Pay Nigerian bank accounts directly.
Advanced Analytics
Deeper reporting and payout forecasting.
Developers

Built for developers who ship fast

Clean APIs, SDKs, webhooks, plugins, sandbox testing and developer support.

RESTful APIs and SDKs
Webhooks for real-time payment events
Sandbox environment for safe testing
WooCommerce and Shopify plugins
Detailed docs and code samples
Dedicated developer support team
verify.js
// Verify a transaction
const txn = await client.transactions.verify(ref);

if (txn.status === 'success') {
// Fulfil the order
fulfilOrder(txn.reference);
}

// fee: 2000 (capped) ✓
🛒 WooCommerce
🛍️ Shopify
⚛️ React / Node
🐘 PHP / Laravel
🐍 Python
🔗 Webhooks
FAQs

Questions? Answers.

Need more? Reach our team at [email protected]

What is the altpay Payment Gateway? +
altpay is a Nigerian payment gateway that helps businesses accept payments easily, securely, and reliably.
How does the gateway work? +
altpay integrates with your website or app and lets you collect payments via secure checkout or embedded API.
What are the transaction fees? +
altpay charges 1.5% per successful transaction, capped at ₦2,000.
How quickly are settlements processed? +
altpay offers next-day settlement. Funds from successful transactions are paid to your bank account the next business day.
Which payment methods are live now? +
Card payments and USSD are live and production-ready today.
Can I integrate with Shopify or WooCommerce? +
Yes. altpay offers plugins for WooCommerce and Shopify, plus APIs and SDKs for custom platforms.
Get started

Ready to integrate altpay?

Fill out the form and our team will set you up with API keys and onboarding support.

📧
📞
📍
Address
The Alternative Bank
22 Marina, Lagos Island, Lagos
Try altpay now!
Please fill out this quick form, and we'll connect with you shortly.
Get API access →
Selling in person?

Need to accept payments face-to-face?

AltPay QR lets merchants accept payments with just a phone. No POS, no hardware.

Tell us your story

Select your OS

Find the perfect app version for your device by choosing your OS below. You will be redirected to your app store.

Abubakar Muhammad Musa

Summary

Abubakar Muhammad Musa is currently a Sharia Advisor and Consultant for SHAPE Knowledge Services a consulting firm based in Kuwait. He has been involved in product development, Sharia research and approval of Islamic banking products for different clients. His work covers retail banking, corporate banking and project finance deals.

Formerly, Abubakar worked as a Researcher in different units at International Shariah Research Academy for Islamic Finance (ISRA) in Kuala Lumpur, Malaysia. Besides his primary assignments in ISRA, he taught Shariah Rules in Financial Transactions to Chartered Islamic Finance Professional (CIFP) Masters online Students of International Centre for Education in Islamic Finance (INCEIF), Malaysia. He also taught MBA and BBA Students different Islamic Banking and Finance Subjects at University College of Bahrain.

Abubakar holds two Diplomas with distinction, one in Islamic Law and the other in Arabic Language from Al-Imam University Riyadh. He also holds LLB (Hons) degree in Shariah from the same University. He successfully completed his (CIFP) Professional Masters Degree Programme at (INCEIF), Malaysia. He had his internship program on Islamic Banking & Finance at Fajr Capital in Kuala Lumpur. During the programme, Abubakar conducted research relating to product structuring and market development.

Abdurraheem Ahmad Sayi

Summary

Abdurraheem Ahmad Sayi is a legal practitioner and Consultant of over 16 years of active legal practice. He is currently the principal partner, A.A. Sayi & Co. (Qist Chambers) and Qadi, Independent Shari’ah Panel of Lagos State – a platform, through which he has delivered several judgments of in-depth analysis, widely applauded by leading legal and intellectual icons, including learned Judges, professors of law and Islamic Studies.

He is the Executive Director/C.E.O., ClearPath Islamic Centre (Incorporated), Lekki-Lagos and Chief Imam, SilverPoint Central Mosque, Badore, Ajah-Lagos. Fondly called Imam Sayi, Abdurraheem is the designate Chairman, Shari’ah Advisory Committee, Mutual Benefit Takaaful.

Imam Sayi has also authored a few works, some of which include: The Financial Obligations: a compendium of essays on monetary or material obligations under Islamic Law and Waqf (Charity Endowment): The Governing Principles.

He holds a Certificate on Improving Personal Effectiveness from the Lagos Business School (Pan African University) and he is a recipient of numerous awards and certificates of merits.

Abdulkader Thomas

Education:

Master of Arts Law and Diplomacy, The Fletcher School of Law & Diplomacy.

Bachelor of Arts Arabic & Islamic Studies, The University of Chicago.

Shariah Board Experience:

Bank Muscat Meethaq (2013 – 2017)

Sterling Bank Nigeria (Since 2013)

University Bank, USA (Since 2006)

Summary

Abdulkader Thomas has over 35 years of diversified financial services experience in major markets. With a Master of Arts Law and Diplomacy from The Fletcher School of Law & Diplomacy and a BA in Arabic & Islamic Studies from The University of Chicago. His areas of activity have included trade finance, real estate finance, securities and alternative finance.

As the general manager of a foreign bank branch in New York, he secured the first US regulatory approvals of Islamic mortgage and instalment credit/sale as banking instruments. Later, he secured US regulatory approval for profit sharing deposits. Abdulkader has been involved in the successful implementation of these products in the US market. With more than 17years Shariah Board Experience in Bank Muscat Meethaq, Sterling Bank Nigeria and University Bank USA, Abdulkader has worked on IFTA projects in Europe, Africa, Southeast Asia, and an authority on Islamic deal structures and securities.

He also serves as a director of Alkhabeer Capital in Jeddah and Chairman of Alkhabeer (DIFC). He is a member of the international advisory board of the Securities Commission of Malaysia, a published author, and an active speaker on Islamic finance.