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Frequently Asked Questions

General​

How long do transfers take?​

Bank transfers (NIP) are typically instant. In rare cases, they may take up to 30 minutes during peak periods.

What are the fees?​

Transaction fees vary by payment method and volume. See your dashboard for your specific rate schedule.

Can I test without real money?​

Yes — use the Sandbox environment. It uses test data and sandbox credentials, so no real money moves.

How do I get support?​

Open a ticket from your dashboard or email support@payscribe.ng.

Integration​

What's the base URL for the API?​

  • Sandbox: https://sandbox.payscribe.ng/api/v1
  • Production: https://api.payscribe.ng/api/v1

How do I prevent duplicate transfers?​

Use a unique ref parameter on every transfer request. If the same ref is sent again, Payscribe returns the existing result without processing a duplicate. See Idempotency.

What happens if a webhook fails?​

Payscribe retries failed deliveries according to the configured retry policy. Verify each delivery, process its event ID once, and use the Webhooks & Events reference for the current schedule and recovery behaviour.

Can I have multiple API keys?​

Yes. You can create multiple API keys with different permission levels and expiry dates. Navigate to Settings > API Keys in the dashboard.

KYC & Compliance​

What KYC levels do you support?​

Three tiers: Tier 0 (basic details), Tier 1 (address + DOB + ID), Tier 2 (identity documents). Higher tiers unlock higher transaction limits.

How long does KYC verification take?​

BVN verification is instant. Document-based verification takes 1–24 hours depending on volume.

What identification documents do you accept?​

International passport, driver's license, National ID, and Voter's card.

Virtual Accounts​

What banks support virtual accounts?​

9PSB, PalmPay, and Cashconnect MFB. 9PSB supports both static and dynamic accounts; PalmPay supports static only (BVN required).

How many virtual accounts can I create?​

Unlimited static accounts. Dynamic accounts have no limit but each is single-use with a maximum of NGN 1,000,000.

Can I reuse a virtual account number?​

Static accounts are permanent and can receive unlimited payments. Dynamic accounts expire after one use or the configured expiry time.

Transfers​

What's the minimum transfer amount?​

NGN 100 for bank transfers.

What's the maximum transfer amount?​

Default maximum is NGN 1,000,000 per transaction. Higher limits can be configured per business — contact support.

How do I verify an account number before sending?​

Use the POST /api/v1/payouts/account/lookup endpoint to get the account name before initiating a transfer.

Cards​

What card types are available?​

Virtual USD cards and physical cards.

How many cards can I issue?​

Maximum 3 active cards per business.

What's the minimum card funding amount?​

NGN 500 per transaction.

Bills​

What billers are supported?​

Airtime (all major networks), data bundles, electricity (IKEDC, AEDC, EKEDC, KEDCO, PHED), cable TV (DSTV, GOtv, Startimes), and betting (Bet9ja, Sportybet).

Is KYC required for bill payments?​

KYC Level 2 is required for electricity purchases.

API​

What's the rate limit?​

POST requests are limited to 60 requests per minute per source IP address. If exceeded, you receive 429; use the Rate Limits reference for safe backoff and reconciliation behaviour.

How do I handle pagination?​

List endpoints support page and page_size parameters. See the Pagination reference.

What authentication method do you use?​

Bearer token authentication with API keys. Pass the key that matches the endpoint environment in the Authorization header: Authorization: Bearer $PAYSCRIBE_API_KEY. Use a ps_pk_test_... key for sandbox and a ps_pk_live_... key for production.

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