Powering Payments. Simplifying Business.

Payment infrastructure built for modern businesses.

Accept payments, manage collections and connect to powerful financial infrastructure through simple APIs and reliable technology.

⚡ Instant NUBAN Allocation — Dedicated & dynamic accounts across commercial banks
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✔ Instant Sandbox Keys â€ĸ ✔ Zero Setup Fee â€ĸ ✔ Automated Settlements
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Supported Partner Banks

Accept instant payments and generate virtual accounts across all major commercial banks

W
Wema Bank ● Commercial Bank
G
Guaranty Trust Bank (GTBank) ● Commercial Bank
P
Providus Bank ● Commercial Bank
S
Stanbic IBTC Bank ● Commercial Bank
F
First Bank of Nigeria ● Commercial Bank
Z
Zenith Bank ● Commercial Bank
A
Access Bank ● Commercial Bank
U
United Bank for Africa (UBA) ● Commercial Bank
99.98%
Platform Uptime
High-availability payment infrastructure
< 850ms
Detection Speed
Instant automated transaction matching
All Banks
Universal Coverage
Accept transfers from any banking channel
100%
Direct Settlement
Automated daily settlement sweep
✨ Products & Solutions

Payment Operations Layer Built for Scale

From automated collections and dedicated virtual accounts to hosted checkout links, storefronts, and developer APIs.

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đŸ’ŗ Collections

Accept Payments

Collect payments seamlessly through bank transfers, debit cards, dynamic checkout forms, and automated reconciliation.

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đŸĻ Automated Accounts

Virtual Accounts

Generate dynamic and reserved virtual accounts for instant payment collection with zero manual reconciliation delays.

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🔗 Quick Checkout

Payment Links

Create and share branded payment links via SMS, WhatsApp, or social media to collect single or recurring amounts effortlessly.

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🛍ī¸ E-Commerce

Online Storefront

Launch a customized online store, list products or digital downloads, and receive instant orders without writing code.

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💸 Disbursements

Payouts & Transfers

Withdraw funds to verified settlement accounts or leverage automated API payouts for rapid interbank disbursements.

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⚡ Developer First

Developer APIs & SDKs

Developer-friendly REST endpoints, webhooks, and client SDKs to integrate collections and settlements in under 15 minutes.

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🚀 Automated Workflow

How Fimpaypoint Works

From instant customer checkout to verified bank settlement with zero manual delays.

1

Initiate Payment

Generate a dynamic virtual account or payment link via dashboard or API.

2

Customer Transfers

Customer pays via any Nigerian banking app, USSD code, or transfer channel.

3

Instant Detection

Transaction is reconciled automatically in milliseconds with zero human intervention.

4

Instant Webhook

Your server receives a signature-verified webhook and your wallet is credited.

5

Direct Settlement

Withdraw available funds directly to your verified commercial bank account.

Developer API

Integrate in Minutes

Allocate virtual accounts and capture bank transfer payments with simple REST APIs.

POST /v1/virtual-accounts 
curl -X POST https://api.fimpaypoint.com/v1/virtual-accounts \
  -H "Authorization: Bearer sk_live_839f..." \
  -H "Content-Type: application/json" \
  -d '{
    "customer_id": "cust_82930218",
    "type": "STATIC"
  }'
PRICING CALCULATOR

Simple, Transparent Pricing

Calculate your exact settlement payout margins instantly.

INBOUND SETTLEMENTS

Virtual Account Collection

0.9%
  • ✓ No maximum fee cap
  • ✓ Dynamic & Static Account Allocation
  • ✓ Real-time webhook & balance updates
  • ✓ Automated daily bank sweep
Get Started Free

Fee Calculator

INSTANT
â‚Ļ
Fee Rate 0.9%
Charged Fee â‚Ļ225.00
Net Settlement â‚Ļ24,775.00
HELP & FAQS

Frequently Asked Questions

How does Fimpay allocate virtual accounts? â–ŧ
Fimpay dynamically generates static or reserved virtual accounts mapped directly to your customer identifiers. These accounts are provisioned via partner banks (Wema Bank, Kuda) instantly through REST API endpoints.
What payment channels are supported? â–ŧ
We support bank transfers (NIP), debit/credit cards, and USSD collections dynamically routed through partner gateways.
How secure are Fimpay webhooks? â–ŧ
Every webhook payload is dispatched with a cryptographic signature header Fim-Signature computed using a SHA-256 HMAC of the payload and your merchant webhook secret, preventing replay attacks and payload tampering.
When do settlements occur? â–ŧ
Settlements are processed dynamically. Once virtual accounts receive transfer credits, funds are settled into your main merchant ledger instantly, and can be withdrawn or paid out via our payout APIs.
How can I transition from Sandbox to Live mode? â–ŧ
Complete your KYC and profile settings inside the merchant dashboard. Once reviewed and approved by compliance administrators, your account transitions to APPROVED, and you can generate live API keys.

Ready to power your payment operations?

Sign up today and experience secure, automated payment infrastructure built for high-growth businesses.

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