For Nigerian merchants & developers

Take ₦ where your customers already chat.

Merchant SwiftIDs, pay-by-message checkout, a clean REST API, and T+0 settlement to any Nigerian bank.

Open a merchant account

T+0

Settlement

99.99%

API uptime

<400ms

Median latency

kiosko/server.ts● live
// Request payment in a customer chat
const invoice = await swift.checkout.create({
amount: 2_500_000,
currency: 'NGN',
customer: '@chidi.ok',
memo: 'Friday jollof 🍛',
});
// → arrives as a tappable chat bubble
swift.on('invoice.paid', e => {
shipFood(e.customer);
});

FOR MERCHANTS

From kioskos to enterprises.

A SwiftID is your storefront

Share @kiosko.lekki on a flyer or IG bio. Customers tap and pay — no card details.

Pay where conversations happen

Drop a payment bubble into any chat. Tap → pay → receipt, in seconds.

T+0 settlement

Sweep balances to your bank on demand, or schedule daily payouts. No waiting.

KYC, AML, PCI — handled

We do CBN reporting, AML monitoring, and dispute resolution. You serve customers.

Real-time dashboards

Volume, refunds, top customers. Filter by SwiftID, channel, or amount.

AI assistant for ops

"Show refunds this week." "Top 10 customers by spend." SwiftBot answers.

TRUSTED BY 4,200+ NIGERIAN BUSINESSES

Kiosko

BoltFood

Lekkimart

Naijapay

Aje

Trove

API REFERENCE

One REST API for everything.

Transfers, invoices, bills, eSIM provisioning, webhooks. Idempotent by default. Versioned forever. Sandbox is free.

Transfers→

Checkout & invoices→

Wallets→

Bill payments→

eSIM provisioning→

Webhooks & events→

POST/v1/transfers200 OK · 412ms
{
"id": "txn_3HJ82kf",
"amount": 2500000,
"currency": "NGN",
"status": "succeeded",
"to": "@chidi.ok",
"settled_at": "2026-05-27T09:14:22Z",
"fee": 0
}

EARLY ACCESS

Start accepting ₦ today.

Sandbox is free. Production approvals in under 48 hours.

No spam · No card62,400+ on the list