Question 1

What is SPay and how does it work?

Accepted Answer

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.

Question 2

What countries does SPay operate in?

Accepted Answer

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.

Question 3

How do I sign up for SPay?

Accepted Answer

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.

Question 4

Does SPay have a mobile app?

Accepted Answer

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.

Question 5

Who is SPay best suited for?

Accepted Answer

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.

Question 6

How do I contact SPay support?

Accepted Answer

You can contact SPay support by emailing help@spaybusiness.com.

Question 7

Does SPay have a plan for teams or businesses?

Accepted Answer

Yes, SPay is designed for teams and businesses, including SMEs, corporates, and government entities that need shared access to collections and payment tools. It supports business use cases like merchant collections, virtual accounts, and integrated payment channels.

Question 8

Does SPay offer an API or integrations?

Accepted Answer

Yes, SPay offers a public API. View the official Spaybusiness API documentation for endpoints, authentication, and integration guides.

Question 9

What popular product is SPay an African alternative to?

Accepted Answer

SPay is an African-built alternative to Stripe.

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