---
title: "Transactpay: Payment Gateway in Nigeria"
description: "Collect card, transfer, direct debit & QR payments in Nigeria/Africa via checkout, invoices, pay links, virtual accounts & APIs; T+0 settlement."
canonical_url: "https://liners.com/transactpay"
markdown_url: "https://liners.com/transactpay.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/transactpay/screenshot.webp?v=1790249896320"
published_at: "2026-09-26T22:55:30.137Z"
updated_at: "2026-09-29T19:12:47.879Z"
---

# Transactpay: Payment Gateway in Nigeria

Collect card, transfer, direct debit & QR payments in Nigeria/Africa via checkout, invoices, pay links, virtual accounts & APIs; T+0 settlement.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [Transactpay](/transactpay)

## Summary

Accept card, transfer, and debit payments from anywhere

A payment gateway for African businesses to collect global payments via checkout, invoices, payment links, virtual accounts, and APIs with payouts and refunds.

## Product details

| Field | Value |
| --- | --- |
| Website | https://www.transactpay.ai/ |
| Tagline | Accept card, transfer, and debit payments from anywhere |
| Primary country | Nigeria |
| Platforms | Web, API |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

Transactpay is a web-based payment gateway for African businesses that need to accept and manage customer payments locally and internationally.

Key capabilities include:
- **Checkout and payment collection** via cards (local and international), **bank transfers**, **direct debits**, and **QR-linked** payments, plus support advertised for OPay and PalmPay integrations.
- **Invoices and payment links** to create professional invoices, share pay links through chat, email, or social channels, collect payments directly to a bank account, and track invoice status.
- **Virtual account numbers** for receiving bank transfers while keeping automated transaction records.
- **Developer APIs (Pro and Ultra)** for integrating payments into websites and mobile apps, including endpoints for **payments**, **payouts (individual or bulk)**, **transaction and payout status**, **webhooks**, and **full or partial refunds** (API docs: https://transactpay.readme.io/).

Available on **Web** and via **APIs**. Lite is offered as a **mobile web app** accessible from a phone browser or any internet-enabled device.

Target users include Nigerian and Africa-focused **SMEs**, **high-volume enterprises**, and **institutions** that need online checkout, invoicing, payment links, and API-based payment infrastructure.

Notable for offering tiered plans (Lite, Pro, Ultra) with published Nigeria-focused pricing references (including NGN transfer fees and card processing rates) and an Ultra tier that advertises **T+0 settlements** (including weekends and public holidays) and **dedicated infrastructure**, alongside a dashboard-managed test/live API setup with webhooks.

## Features

- [Fintech](/categories/fintech): Category
- [B2B](/tags/b2b): Product feature or technology
- [Bulk Payments](/tags/bulk-payments): Product feature or technology
- [Direct Debit](/tags/direct-debit): Product feature or technology
- [Invoicing](/tags/invoicing): Product feature or technology
- [Multi-currency](/tags/multi-currency): 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](/transactpay/alternatives)
- [Reviews](/transactpay/reviews)
- [Transparency](/transactpay/transparency)

## Access and citation

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