---
title: "3Line: Payment Gateway, USSD and QR Payments"
description: "Accept card, USSD, QR, payment links and bank transfers in Nigeria. Switching + agent/branchless banking tools; claims 99.9% uptime."
canonical_url: "https://liners.com/3line"
markdown_url: "https://liners.com/3line.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/3lineng/screenshot.webp?v=1772170447144"
published_at: "2026-02-27T13:18:20.898Z"
updated_at: "2026-08-30T16:12:42.377Z"
---

# 3Line: Payment Gateway, USSD and QR Payments

Accept card, USSD, QR, payment links and bank transfers in Nigeria. Switching + agent/branchless banking tools; claims 99.9% uptime.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [3Line](/3line)

## Summary

Payment infrastructure for cards, USSD, QR, and transfers

Payment infrastructure for banks, fintechs, and businesses to accept card, USSD, QR, payment link, and bank transfer transactions across Nigeria and beyond.

## Product details

| Field | Value |
| --- | --- |
| Website | https://www.3lineng.com/ |
| Tagline | Payment infrastructure for cards, USSD, QR, and transfers |
| Primary country | Nigeria |
| Platforms | Web, API |
| Average rating | 5 |
| Published reviews | 1 |
| Verified listing | No |

## About the product

3Line is a payment infrastructure and financial services platform for financial institutions, businesses, and individuals that need multiple ways to move money across electronic channels.

Key capabilities include:

- **Multi-channel payment acceptance**, including **card payments** (debit, credit, prepaid), **USSD payments**, **QR code payments**, **payment links**, and **bank transfers** to support different customer preferences and connectivity constraints.
- **Agency banking and branchless banking infrastructure** that supports last-mile access to financial services through partner networks.
- **Transaction switching and processing** across multiple electronic channels, with **real-time transaction management** and access to **digital banking** tools for supported use cases.
- **FreedomCard** support for organizations that need a card scheme offering.

Available via **web-based** channels (platform apps not specified).

The product primarily targets **B2B** and **B2C** models, serving **banks, fintechs, enterprises, and other organizations** that provide payment and banking services to **SMEs, individuals, and communities**.

3Line is notable in Nigeria’s payments landscape for being **regulated by the Central Bank of Nigeria**, reporting **99.9% uptime**, and citing operational scale metrics such as **₦7 million processed daily**, **180,000 SMEs supported through partners**, and **20,000+ people reached**.

## Features

- [Fintech](/categories/fintech): Category
- [Agent Network](/tags/agent-network): Product feature or technology
- [B2B](/tags/b2b): Product feature or technology
- [B2C](/tags/b2c): Product feature or technology
- [Payment Gateway](/tags/payment-gateway): Product feature or technology
- [Payment Links](/tags/payment-links): Product feature or technology
- [QR Payments](/tags/qr-payments): Product feature or technology
- [USSD](/tags/ussd): Product feature or technology
- [Nigeria](/countries/nigeria): Market

## Related pages

- [Alternatives](/3line/alternatives)
- [Reviews](/3line/reviews)
- [Transparency](/3line/transparency)

## Access and citation

- [Canonical HTML page](https://liners.com/3line)
- [Markdown route index](/sitemap.md)
- [Agent access guide](/llms.txt)