Wireless Beta
Services

Everything you need to serve customers who pay

Cards, USSD and identity checks that share one wallet, one dashboard and one API key.

Virtual and physical cards

Give each customer a card linked to the balance they hold with you. They use it at ATMs, on POS terminals and for online payments. You see every payment as it happens.

  • NGN physical Verve and Mastercard cards, linked to a customer in seconds
  • USD virtual Mastercard for online and international payments
  • White-label cards with your brand, ready for pickup
  • Your server approves or declines each payment in real time
  • Block, unblock, move a card to another customer, or turn on online payments
  • Disputes for failed ATM withdrawals, tracked to the end
Branded payment cards in a box

Choose how payments are approved

Your server decides. We ask your server for the customer's balance on every payment.

Wallet decides. We approve from your business wallet and tell your server afterwards.

Both. We ask your server first and use the wallet if it is too slow to answer.

Card programs

White-plain, co-branded and virtual cards: what each needs and how long it takes.

Ready in 24 to 48 hours

White-plain cards

Ready-to-pickup cards with no BIN onboarding fee. Just a ₦100,000 setup fee for integration.

  • Verve: ₦2,100 per card
  • Mastercard: ₦2,500 per card
  • Minimum order: 20 cards to test your integration
  • One-time ₦100,000 setup fee to integrate them into your platform
  • Print your logo on white-plain cards and plug them into your platform
  • No BIN fee and no financial licence needed
10 to 16 weeks

Co-branded cards

Your own design with your logo and branding. Needs a financial licence.

  1. Choose the scheme: Verve or Mastercard
  2. Pay for the cards: minimum 1,000 Verve or 2,000 Mastercard
  3. Pay the BIN fee: ₦3.5M to ₦5M one-time, for up to 1 million cards
  4. Card art design: 1 to 14 days
  5. Production and delivery: 10 to 16 weeks

A financial licence is required for co-branded cards.

Instant

USD virtual cards

Instant virtual Mastercard for international payments.

  • $3 per card
  • $1.5 a month maintenance per card
  • $1.5 per funding, $2.5 quarterly scheme fee
  • Ready as soon as your account is approved

How card payments work

  1. Fund your wallet

    Fund your business wallet (your pool account) so card payments go through smoothly.

  2. Balance check (free)

    When a customer checks their balance at an ATM, we ask your server by webhook. It is free.

  3. Withdrawal or payment

    We check your wallet first, then ask your server for the customer's balance. If both are enough, we debit your wallet and tell you to debit the customer. If either fails or times out, nothing is debited.

  4. Transaction processing

    Once confirmed, the payment goes through at the ATM, on the POS or online.

  5. Real-time notifications

    You get a webhook for every transaction, POS, ATM and online, so you can track every step.

  6. Keep your wallet funded

    A payment your wallet cannot cover is declined, with a ₦20 charge per failed transaction.

Important: your webhook must always be reachable and answer within 2 seconds. Keep your wallet funded to avoid the ₦20 charge for insufficient funds on failed transactions.

USSD banking

Offline transactions for customers on any phone, even without data. Each dial on your code is sent to your server, which decides the menus and the answers.

  • Your own short code, renewed monthly from your wallet
  • Sessions sent to your endpoint as JSON, a form or a query string
  • Per-session billing, live from the wallet
  • Test your endpoint from the dashboard before you go live
  • Full call history, which you can clear at any time
Phone showing a USSD banking menu

Good for

  • Paying merchants and bills
  • Balance checks and mini statements
  • Airtime and data purchases
  • Collections in markets and rural areas

Identity verification

Know who you are dealing with before you open an account or issue a card. Results come back in seconds through the API.

  • BVN lookup
  • NIN lookup
  • Bank account name check, with BVN match
  • Pay per successful check from your wallet

Built for compliance

Our card platform is PCI DSS compliant, and every check is logged with its time and result, so you can show your KYC trail when you need to.

Included with every account

One wallet

Fund online or by transfer. Every charge and every refund has a receipt.

Live dashboard

Transactions, card activity, invoices and statements, with filters and exports.

Webhooks that retry

Notifications that fail are sent again automatically, and you can see every call.

See it working

Open an account to explore the dashboard, or sign in to read the API documentation.

Open an accountAPI docs