FalconPay

Financial infrastructure for Nigerian businesses

Move money, pay bills and settle — through one precise API.

Bank transfers, virtual accounts, airtime, data, electricity and cable — with a ledger that shows every naira, every fee and every state change.

₦1.5T+
Processed monthly
99.97%
API uptime
< 30s
Transfer settlement
1,000+
Businesses
POST/v1/api/transfer
cURL
curl -X POST https://payment.falconpay.ng/v1/api/transfer \
  -H "x-api-key: sk_live_..." \
  -H "Content-Type: application/json" \
  -d '{
    "reference": "PAYROLL-2026-09-001",
    "amount": 250000,
    "bank_code": "058",
    "account_number": "0123456789",
    "account_name": "Adaeze Okonkwo",
    "narration": "September salary"
  }'

Returns 202 Accepted with a reference; the final state arrives on your webhook.

Services

Everything a business needs to move money

Each product is available in the dashboard and through the API, sharing one wallet and one ledger.

Collections

Accept payments via dedicated virtual accounts and bank transfer, with real-time webhooks and instant reconciliation.

  • Virtual account generation
  • Signed webhook events
  • Instant reconciliation

Disbursements

Send money to any Nigerian bank account in seconds. Batch payouts, payroll and vendor payments through one endpoint.

  • All Nigerian banks
  • Name enquiry before send
  • Idempotent by reference

Airtime & data

Resell airtime and bundles on MTN, Airtel, Glo and 9mobile at wholesale rates with instant delivery.

  • All four networks
  • Discount on every bill
  • Bulk purchase API

Electricity

Vend prepaid tokens and settle postpaid bills for every distribution company, with meter validation before purchase.

  • All DISCOs
  • Token returned in-response
  • Meter validation

Cable TV

Renew DStv, GOtv and StarTimes subscriptions programmatically with smartcard validation.

  • Smartcard lookup
  • Package catalogue
  • Instant activation

Betting

Fund betting wallets for major platforms without your users leaving your product.

  • 10+ platforms
  • Commission per purchase
  • Reversal handling

Why FalconPay

Built like infrastructure, not like an app

One integration

A single REST API and key pair covers transfers, bills, wallets and webhooks. No vendor juggling.

Regulated

Licensed and CBN-compliant. KYC, AML screening and audit trails are part of the platform.

Fast by default

Transfers settle in under thirty seconds on average; bill tokens return in the same response.

Operational visibility

Every transaction carries its fees, ledger effect and timeline. Exportable, filterable, auditable.

Built for local conditions

Redundant provider routing and automatic failover tuned for Nigerian rails.

Transparent pricing

Flat per-transfer fees and published bill discounts. No setup fees, no surprises.

Developers

Live in an afternoon

  1. 1

    Create an account

    Register the business and complete verification.

  2. 2

    Generate keys

    Test keys never move real money. Switch to live when ready.

  3. 3

    Integrate

    Verify an account, send a transfer, listen for the webhook.

Webhook event

transfer.completed
{
  "event": "transfer.completed",
  "data": {
    "reference": "PAYROLL-2026-09-001",
    "amount": 250000,
    "fee": 50,
    "status": "completed",
    "completed_at": "2026-09-11T09:14:22Z"
  }
}

Ready to power your business?

Create an account, complete verification, and start moving money.