One API and one beautiful dashboard to collect by card, bank transfer and USSD, issue dedicated account numbers to every customer, and pay out to any Nigerian bank.
Start with what you need today. Grow into the rest without switching providers.
A conversion-optimised payment page for card, transfer and USSD. Redirect customers and get them back with a verified reference.
Give every customer a dedicated account number. Transfers reconcile automatically and fire a webhook in real time.
Send money to any Nigerian bank from your dashboard or API. Failed transfers are automatically refunded to your wallet.
No website? Create a link in seconds and share it on WhatsApp, Instagram or an invoice.
Signed events for every state change, with a delivery log so you can debug in seconds.
Cash flow, channel mix and success rates at a glance. Export any view to CSV for your accountant.
Predictable REST endpoints, amounts in kobo, idempotent references and clear errors. Build against test mode, flip one key to go live.
// Create a checkout session const res = await fetch('https://silentapi.site/api/v1/transactions/initialize.php', { method: 'POST', headers: { Authorization: `Bearer ${process.env.SILENTAPI_SECRET}`, 'Content-Type': 'application/json', }, body: JSON.stringify({ amount: 2500000, // ₦25,000.00 email: 'ada@example.com', callback_url: 'https://shop.ng/thanks', }), }); const { data } = await res.json(); location.href = data.authorization_url;
No setup fees, no monthly fees, no hidden charges.
per successful payment, capped at ₦2,000.00
flat per transfer to any Nigerian bank
Unlimited sandbox usage, forever
Create an account, grab your test keys and take your first payment in under ten minutes.