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NorthPole Pay·For businesses & developers

Accept payments.
Build without limits.

Payment infrastructure that lets businesses and developers accept payments, manage transactions and integrate financial functionality into their products.

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  • Cards, transfer & QR
  • Test mode included
  • Signed webhooks

NorthPole Pay

Payments without the complexity.

NorthPole Pay gives businesses and developers the infrastructure they need to accept payments and manage their payment operations.

A single payment, end to end

Payment processing

Cards, bank transfer and QR on one integration.

Hosted checkout

A payment page that works without any frontend work.

Payment links

Share a link, take a payment. No code at all.

Transfers

Pay out to bank accounts, single or bulk.

Refunds

Full or partial, with the original reference kept.

Transaction verification

Confirm any payment server-side before you fulfil.

Settlements

Predictable cycles with a clear fee breakdown.

Developer APIs

REST, idempotent writes, versioned.

Webhooks

Signed, retried, and replayable from the log.

Explore NorthPole PayRead the docs

Capabilities

Everything a payment needs, in one place.

Collection, payout, verification and settlement are the same system — not four integrations you have to keep in sync.

Hosted checkout

Send a customer to a NorthPole-hosted page that handles cards, transfer and QR. No payment UI to build or maintain.

Payment links

Create a link with an amount and a reference, share it anywhere, and get notified the moment it is paid.

Payment processing

Cards, bank transfer and QR through one API. Every payment returns the same object shape whatever the channel.

Transfers

Pay out to any Nigerian bank account, one at a time or in bulk, with status you can poll or receive by webhook.

Refunds

Refund in full or in part. The refund keeps the original reference, so your reconciliation stays intact.

Transaction verification

Always confirm server-side before you fulfil an order. One call tells you the authoritative status.

Settlements

Predictable settlement cycles with a per-transaction fee breakdown, so net amounts are never a surprise.

Developer APIs

REST over HTTPS, amounts in minor units, idempotency keys on every write, and versioning that does not break you.

Webhooks

Signed payloads with automatic retries and manual replay from the dashboard, so a missed event is recoverable.

For developers

Build payments into anything.

One REST API, predictable objects, and webhooks you can trust. Amounts are in minor units, writes are idempotent, and every response tells you exactly what happened.

Request

200

Response

1.2s
{
"session_id": "ps_abc123def456",
"checkout_url": "https://checkout…/ps_abc123",
"amount": 5000,
"currency": "NGN",
"expires_at": "2026-08-25T12:00:00Z",
"payment_details": {
"account_number": "1234567890",
"bank_name": "Wema Bank"
}
}

Test mode

A full sandbox with its own keys, data and webhooks.

Live mode

Flip one key. Nothing else about your integration changes.

API keys

Scoped, rotatable, and revocable per environment.

Webhooks

Signed payloads, automatic retries, manual replay.

Transaction logs

Every request and response, searchable for 90 days.

Who builds on NorthPole Pay.

The same infrastructure, reached at whatever depth suits you — a shared link, a hosted page, or the raw API.

Online businesses

Take payments the day you launch

Use hosted checkout or a payment link and start collecting before you have written any payment code. Move to the API when you are ready.

Developers

An API that behaves predictably

Consistent objects, idempotent writes, signed webhooks and a full test mode with its own keys and data. Integrate once, trust it after.

Platforms & marketplaces

Collect, then pay out

Accept payments into your balance and push transfers out to sellers or riders, with the fee breakdown recorded on both sides.

Questions about NorthPole Pay.

How are amounts represented in the API?

In minor units, as integers. ₦50,000.00 is sent as 5000000. This avoids floating-point rounding entirely, and it is consistent across every currency the API supports.

Can I test before going live?

Yes. Test mode is a complete parallel environment with its own API keys, transactions and webhook endpoints. Nothing you do in test mode touches live data, and moving to live means changing one key.

What happens if my server misses a webhook?

NorthPole retries failed deliveries on a backoff schedule, and every event stays replayable from the dashboard. You can also verify any payment directly with a server-side call, which is the authoritative source.

Do I need to build my own payment page?

No. Hosted checkout and payment links both work without any frontend work. The API is there for when you want the payment experience inside your own product.

Is NorthPole Pay separate from Money and POS?

No — they share one balance and one account. A payment collected through Pay is immediately available to spend through Money or reconcile alongside POS takings.

Still have a question? Talk to us.

Start accepting payments.

Create an account, explore test mode, and go live when your integration is ready.