---
title: ""
description: ""
canonical_url: "https://liners.com/spay"
markdown_url: "https://liners.com/spay.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/spaybusiness/screenshot.webp?v=1787609937240"
published_at: "2026-09-01T18:19:47.479Z"
updated_at: "2026-09-01T20:15:16.804Z"
---

# 

## Breadcrumbs

- [Fintech](/categories/fintech)
- [SPay](/spay)

## Summary

Accept online payments and collect fees with payment links

A Nigerian payment gateway for SMEs, corporates, and government teams to collect online payments using payment links, virtual accounts, and API-based collections.

## Product details

| Field | Value |
| --- | --- |
| Website | https://spaybusiness.com/ |
| Tagline | Accept online payments and collect fees with payment links |
| Primary country | Nigeria |
| Platforms | Web, API |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

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**.

## Features

- [Fintech](/categories/fintech): Category
- [B2B](/tags/b2b): Product feature or technology
- [Direct Debit](/tags/direct-debit): Product feature or technology
- [Invoicing](/tags/invoicing): Product feature or technology
- [Payment Gateway](/tags/payment-gateway): Product feature or technology
- [Payment Links](/tags/payment-links): Product feature or technology
- [Nigeria](/countries/nigeria): Market

## Related pages

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

## Access and citation

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