Topify gives Nigerian merchants a modern gateway for collections, disbursements, verification, and developer integrations — with the clarity your finance team expects.
Merchant overview
₦6,006,979.37
Real-time
Wallet & ledger updates
Multi-rail
Collections & disbursements
Audited
Admin controls & compliance
Features
From first collection to payout reconciliation — built for operators, finance teams, and engineers.
Issue dedicated virtual accounts per customer. Inbound transfers settle straight into your merchant wallet.
One balance, full ledger visibility. Top up, transfer, and reconcile without switching tools.
Send funds to other Topify users or route payouts with fees and limits applied automatically.
Signed event delivery with retries, delivery logs, and a dashboard to debug every notification.
Personal and business verification flows with admin review, tier limits, and compliance-ready audit trails.
REST endpoints, API keys, sandbox mode, and webhook testers — ship integrations in hours, not weeks.
Product
Topify mirrors how modern payment teams work: collect funds, move money out, and keep operations under control — without duct-taping spreadsheets and bank portals.
Open merchant accountCollections
Disbursements
Operations
Developers
API keys, webhook signatures, sandbox toggles, and delivery logs — everything your engineering team needs to go live safely.
POST /api/v1/payments/initialize
Authorization: Bearer sk_live_••••
{
"amount": 500000,
"currency": "NGN",
"customer_email": "buyer@example.com",
"callback_url": "https://yourapp.com/paid"
}
→ checkout_url, reference, statusCreate a merchant account in minutes. Complete verification, connect your providers, and start collecting today.