Breet — Crypto & Stablecoins Payment API for African Businesses 
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Collect online and in-store payments in one place
A Nigerian payment gateway for SMEs, corporates, and government teams to collect online payments using payment links, virtual accounts, and API-based collections.
SPay Product Overview
Is SPay Right for You?
Liners prepares and updates these highlights as product information changes. Editorial standardsBest For
- Nigerian SMEs
- Corporate finance teams
What It Does Well
- Payment links
- Virtual account payments
Things to Check
- Supported Nigerian banks
- Direct debit setup steps
About SPay
SPay is a Nigerian payment processing and digital collections platform for businesses, government entities, and developers that need to accept and reconcile online payments.
Key capabilities include:
- Payment gateway and merchant collections to accept online payments for goods, services, and fees
- Payment links created from a web portal, enabling merchants to request and collect payments from customers without building a checkout flow
- Virtual account and collections APIs for integrating bank transfer collections and payment channels into business systems (API key authentication required)
- Merchant services aggregation that consolidates fragmented payment channels into a single API for collections
Available on Web (merchant portal for registration, collections, and payment links) and via API (virtual account and collections documentation is publicly available).
Target users include Nigerian SMEs, corporates, and government organisations that collect payments at scale, plus developers integrating collections into apps and internal finance workflows.
Notable in the Nigerian market for operating under the Central Bank of Nigeria Payment Service Solutions Provider (PSSP) licence, and for publicly referencing over ₦2 billion in processed transactions within its first year of operations. Support contact: help@spaybusiness.com.
SPay Facts
Liners compiles product facts from official websites, app stores, documentation, trusted public sources, and details shared by product teams during editorial review. We also consider crowdsourced updates when they include verifiable evidence, and refresh facts as information changes. How we source dataOperates In
African alternative to
Pricing & Fees
Variable pricingInvoicing and Checkout carry a fee of 1.4% + ₦50 for transactions above ₦2,500 (or 1.4% for ₦2,500 and below) capped at ₦2,000, while Direct Debit costs a flat ₦200 per debit.
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SPay Founders & Leadership Team
Liners compiles leadership profiles from official company pages, professional profiles, and trusted public sources. We refresh them as teams change. How we source dataFrequently Asked Questions About SPay
SPay is a Nigerian online payment gateway and digital collections platform that lets businesses, governments, and developers accept payments using payment links, virtual accounts, and API-based collections. You create payment links or integrate the API so customers can pay online or via bank transfer, and collections are routed and reconciled through a single platform.
SPay operates primarily in Nigeria, where it is licensed as a Payment Service Solutions Provider by the Central Bank of Nigeria and serves Nigerian businesses and public sector entities.
You can sign up for SPay by visiting the SPay website and using the web merchant portal to register your business and create an account. After registration, you can log in to create payment links and access collections features.
SPay does not list a dedicated mobile app; its services are provided via a web portal and APIs. All merchant registration and payment link management are described as web and API-based.
SPay is best suited for Nigerian SMEs, corporates, and government organisations that need to collect payments at scale, as well as developers who need to integrate payment collections into applications and internal finance systems.
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