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DEVELOPER API

APIs

Explore Payvala’s API solutions and discover the capabilities available for building, connecting, and managing your integrations. Select the API solution that matches your business requirements to access detailed documentation, integration guidance, access requirements, and developer resources.

New to Payvala?

Start with the Quickstart guide to understand the Payvala integration journey, access process, available environments, authentication requirements, and the steps involved in moving from initial setup to a production-ready integration.

Read Quickstart

Explore Payvala API Products

Select a product to open its documentation.

Relay APIs

Verify BVN consent, check loan eligibility, set up direct debit mandates, and manage EMI subscriptions, schedules, and deductions.

BVN consent verification
Loan eligibility and direct debit mandates
Subscriptions, EMI schedules and transactions
View Documentation

Partner APIs

Manage secret credentials, OAuth 2.0 access tokens, and authorization codes, and check device and device transaction status.

OAuth 2.0 client credentials
Secret keys and authorization codes
Device and transaction status
View Documentation

Developer

The developer-facing layer of Payvala for managing access, credentials, and integration documentation.

Developer access management
Integration documentation
Entry point to other Payvala products
View Documentation

Payment

Payment processing for applications that need to initiate or manage payment transactions through Payvala.

Payment transaction processing
Transaction status and result handling
View Documentation

Choose the Right API for Your Integration

Match your requirement to a product, then open its documentation.

Relay APIs

Verify a customer's BVN consent, check loan eligibility, or set up direct debit mandates and EMI deductions.

Partner APIs

Manage secret credentials, OAuth 2.0 access tokens, and authorization codes, or check device and device transaction status as a partner organization.

Developer

Manage your developer access, credentials, and integration documentation.

Payment

Initiate or manage payment transactions and handle transaction status.

API Access and Authentication

Payvala does not provide self-service signup. Access and credentials are issued by the Payvala team.

Request access

Contact the Payvala team at support@payvala.com with your organization details and the products you want to use.

Environment-specific credentials

Credentials, tokens, and keys issued for one environment cannot be used in another.

Partner APIs authentication

Partner APIs use OAuth 2.0 (Client Credentials Grant). Secured endpoints require an Authorization: Bearer access token.

IP configuration

The originating IP addresses of your API requests must be configured in POEMS (Payvala Operations and Equipment Management System) to enable access.

Payload encryption

The Partner Management API supports payload encryption using JWE and JWKS. See the Authentication guide for details.
Read Authentication Guide

Before You Start Building

Get access first

Complete onboarding with the Payvala team and receive your credentials.

Use a non-production environment

Build and test in the non-production environment provided to you before using production.

Secure your credentials

Never expose credentials in client-side code, public repositories, or logs.

Plan for rate limits

Rate limiting is applied to API requests. Handle throttled responses without aggressive retries.

Continue exploring the Payvala developer platform.

Quickstart

Follow the integration journey from access to go-live.

Authentication

Learn how API authentication works.

Webhooks

Learn about event notifications where supported.

SDKs

Explore available SDK integrations.

Secure. Reliable. Scalable.

Payvala is built with enterprise-grade security, 99.9% uptime, and scalable infrastructure.

Quickstart
SDKs