Launch Banking, Cards, Payouts & Escrow in 5 Lines of Code.
Stop managing 7 different FinTech vendors. Paddle BaaS unifies Fincra, Maplerad, Flutterwave, Reloadly, Prembly, Termii, and Mono under a single developer API key with instant sandbox access and automated NIP settlement.
Virtual NUBANs & Cards
Provision dedicated Nigerian accounts (Wema, Providus) and issue instant 3D Secure Virtual USD Mastercards with custom spend limits.
Instant NIP Bank Payouts
Sub-second disbursements to all Nigerian commercial banks and MFBs. Single transfers or bulk batch payroll with atomic ledger verification.
KYC, Bills & Escrow
Verify BVN, NIN, and CAC in milliseconds. Vend airtime, data, and electricity tokens. Protect high-value trades with programmable escrow.
7-Day Settlement Volume Telemetry
Rolling multi-rail clearing volume (Inbound Collections vs Express Outflows)
Live Multi-Rail Transaction Feed
| Status | Channel | Reference | Description | Type | Amount | Time |
|---|---|---|---|---|---|---|
| SUCCESS | NIP_EXPRESS | PAY-NIP-990142 | Settlement from Providus NUBAN | CREDIT | ₦350,000.00 | Just now |
| SUCCESS | NIP_TRANSFER | PO-DISB-882109 | Vendor Express Payout / GTBank | DEBIT | ₦85,000.00 | 14m ago |
| SUCCESS | VIRTUAL_CARD | CRD-AUTH-441209 | AWS Cloud Services Seattle WA | DEBIT | $45.00 | 32m ago |
| SUCCESS | ESCROW_RELEASE | ESC-REL-773192 | Milestone 2 Escrow Release Approval | CREDIT | ₦1,200,000.00 | 1h ago |
Paddle BaaS Global Infrastructure Telemetry
Real-time gateway latencies, switch uptime and cryptographic ledger health
Dedicated Virtual NUBAN Accounts
Nigerian bank accounts dynamically issued via Fincra/Wema & Providus rails
| Account Number | Settlement Bank | Account Name | Customer Email | Status | Created |
|---|---|---|---|---|---|
| 9928172635 | Wema Bank (Fincra BaaS) | APEX FINTECH / PRIMARY | treasury@getpaddle.online | ACTIVE | Sep 28, 2026 |
Disburse Instant NIP Transfer
Direct sub-second disbursement to any Nigerian commercial bank or licensed MFB
Settlement Guarantee
Direct clearing integration via Fincra's primary NIP gateway.
Every payout requires unique client reference to prevent duplicate debits.
Recent Transfer History
| Reference | Recipient Name | Bank Code | Account Number | Amount | Status | NIP Session | Date |
|---|---|---|---|---|---|---|---|
| PO-NIP-990142 | Tunde Adeyemi (Lead Dev) | 058 (GTBank) | 0124859201 | ₦145,000.00 | SUCCESS | 999014285910284 | Today, 11:30 |
| PO-NIP-882019 | Chiamaka Okonjo | 044 (Access) | 0691238472 | ₦82,500.00 | SUCCESS | 999014285910283 | Today, 09:15 |
Batch Disbursement & Payroll Runner
Execute multi-recipient salary and vendor disbursements via atomic NIP batch engine
| # | Beneficiary Name | Bank Code | Account Number | Amount | Status |
|---|---|---|---|---|---|
| 1 | Adebayo Tunde (Lead Dev) | 058 (GTBank) | 0124859201 | ₦250,000.00 | QUEUED |
| 2 | Chiamaka Okonjo (Finance Ops) | 044 (Access Bank) | 0691238472 | ₦220,000.00 | QUEUED |
| 3 | Folake Adeleke (Compliance) | 057 (Zenith Bank) | 1019283746 | ₦195,000.00 | QUEUED |
Counterparty Directory & Beneficiary Book
Pre-verified NIP beneficiaries with 1-click disbursement execution
| Beneficiary Name | Bank Name | Account Number | BVN Check | Category | Actions |
|---|---|---|---|---|---|
| Adebayo Tunde (Lead Engineer) | GTBank (058) | 0124982736 | 22119988*** | Payroll | |
| Chiamaka Okonjo (Finance Ops) | Access Bank (044) | 0691238472 | 22119988*** | Operations | |
| Apex Cloud Infrastructure Ltd | United Bank for Africa (033) | 2081948271 | 22119988*** | Vendor |
Virtual Cards Management
Issue Mastercard and Visa cards for international subscriptions and SaaS tooling
| Card ID | Cardholder Name | PAN | Currency | Balance | Status | Actions |
|---|---|---|---|---|---|---|
| CRD_MPLR_9921 | Apex Executive Corporate Card | 5399 83** **** 4819 | USD | $2,450.00 | ACTIVE |
Card Spending Velocity & MCC Category Rules
Granular real-time authorization filters enforced at the point of POS/3DS authorization
Merchant Category Code (MCC) Whitelist Toggles
AWS, GitHub, Google Cloud, Slack, OpenAI, Vercel (MCC 5734, 7372)
Emirates, British Airways, Uber, Airbnb, Marriott (MCC 3000-3350, 4121)
Google Ads, Meta Ads Manager, TikTok Ads, LinkedIn (MCC 7311)
Automated Teller Machines (MCC 6011). Recommended OFF for virtual cards.
Amazon, Apple Store, AliExpress, Stripe Merchants (MCC 5311, 5999)
Instant Airtime & Mobile Data Recharge
Direct VTU vending across Nigerian Telco networks with automated wholesale discounts
Electricity DisCo Token Purchase Terminal
Generate instant 20-digit STS prepaid tokens with real-time meter validation
Programmable Milestone Escrow Contracts
Multi-party cryptographic funds custody with conditional milestone verification
| Reference | Contract Title & Parties | Total Value | Status | Milestone Tracker | Actions |
|---|---|---|---|---|---|
| ESC-2026-9042 |
Enterprise FinTech App Build
Buyer: Sterling HoldCo • Seller: DevCorp
|
₦2,500,000.00 | IN_INSPECTION |
|
|
| ESC-2026-8812 |
Commodity Grain Cargo (100 Tons)
Buyer: AgroFoods NG • Seller: Kano Grain Hub
|
₦8,400,000.00 | LOCKED |
|
Arbitration Desk & Disputed Orders
Investigate customer claims, inspect evidentiary timelines, and execute refunds or fund releases
Dispute Evidence & Audit Timeline: DSP-2026-9042
Due Date: 5 Days Remaining (NIBSS Clearing SLA)Double-Entry General Ledger Statements
Cryptographically balanced dual-entry postings with running balances and CSV export
| Timestamp | Journal Ref | Ledger Account | Debits (₦) | Credits (₦) | Running Balance | Description |
|---|---|---|---|---|---|---|
| Today, 11:30:14 | JRN-90218-NIP | 1010-MERCHANT-TREASURY | ₦145,000.00 | — | ₦42,705,000.00 | NIP Payout PO-NIP-990142 |
| Today, 10:14:02 | JRN-90192-COL | 1010-MERCHANT-TREASURY | — | ₦350,000.00 | ₦42,850,000.00 | Wema NUBAN Inflow Auto-Credit |
| Today, 09:12:44 | JRN-89410-ESC | 2020-ESCROW-CUSTODY | — | ₦1,200,000.00 | ₦42,500,000.00 | Escrow Milestone 2 Release |
End-of-Day Bank Reconciliation & Statements
Automated settlement matching against NIBSS and Fincra T+0 clearing files
Production Secret Key
Authorizes live bank transfers, card charges & real NGN disbursements
Sandbox Test Key
Safe simulated environment with zero real money risk
Real-Time API Request Logs
Stripe-grade audit trail of HTTP traffic, payloads, status codes and execution latencies
| Status | Method | Endpoint Path | Latency | Client IP | Time | Inspect |
|---|---|---|---|---|---|---|
| Loading request logs... | ||||||
Webhook Delivery Endpoints
Receive sub-second event notifications signed with HMAC SHA-256 signatures
Interactive BaaS API Playground
Execute live API requests directly against Paddle Unified Rails with instant response inspector
Issue Virtual NUBAN Account
Provisions dedicated Wema Bank virtual account for customer
Response Payload
ReadySDKs, OpenAPI Specs & Integration Guides
Production-ready code in Node.js, cURL, Python, PHP, Go, and Flutter
Corporate KYB & Transaction Limits
Submit RC registration and Director BVN to unlock Tier 3 Unlimited Settlement status
Organization Team & RBAC Management
Manage fine-grained permissions across Owner, Developer, Finance, and Auditor roles
| Member Name | Email Address | RBAC Role | Status | Last Active | Actions |
|---|---|---|---|---|---|
| Apex Founder (Owner) | founder@apexfintech.ng | OWNER | ACTIVE | Just now | Full Root |
| Adebayo Tunde | tunde@apexfintech.ng | DEVELOPER | ACTIVE | 12m ago | |
| Folake Adeleke | finance@apexfintech.ng | FINANCE | ACTIVE | 1h ago | |
| PwC External Audit Desk | audit@pwc-ng.com | AUDITOR | ACTIVE | 2d ago |
RBAC Privilege Matrix
Full root access: rolls live API keys, executes payouts, updates settlement bank account.
Access to Webhooks, API Playground, SDKs, sandbox faucet, and request inspector logs.
Initiates & approves NIP payouts, runs payroll batches, and modifies card velocity rules.
Read-only view of double-entry ledger statements, CSV export, and security audit trail.
System Audit Trail & Security Logs
Immutable ledger tracking IP address, console user action, API key usage, and security severity
| Severity | Action Type | Actor / User | IP Address | Resource / Target | Timestamp | Details |
|---|---|---|---|---|---|---|
| WARN | API_KEY.ROLLED | Tunde Balogun (dev@getpaddle.online) | 197.210.54.12 | Production Key sk_live_... | 18m ago | |
| INFO | NIP_PAYOUT.DISBURSED | Paddle API Engine (NodeSDK) | 127.0.0.1 | PO-NIP-990142 (₦145k) | 45m ago | |
| INFO | CARD_LIMIT.UPDATED | Folake Adeleke (finance@...) | 102.89.44.11 | Card CRD_MPLR_9921 ($15k) | 2h ago |
Zero-Balance Auto-Sweep & Multi-Currency Treasury
Automate end-of-day treasury sweeps to commercial banks & exchange balances across global rails
Zero-Balance Account (ZBA) Rules
Automatically liquidate settled funds above your operational reserve threshold into your primary corporate commercial bank account at midnight daily.
Multi-Currency FX Desk Maplerad + Fincra Rails
Zero-Trust API Security & Scoped Restricted Keys
Lock down your live credentials with CIDR IP whitelists and least-privilege scoped permissions
Production IP Whitelist (CIDR Rules)
Active on sk_live_Restrict API requests made with your production keys (`sk_live_...`) to known IP addresses or CIDR blocks. Calls originating from non-whitelisted IPs will be rejected with HTTP 403 Forbidden.
Restricted Scoped API Keys
Role-Based Access ControlGenerate specialized API keys with least-privilege permissions (e.g. read-only ledgers, card-issuing only, or bills-only) for microservices and contractors.
| Key Name | Scopes / Permissions | Prefix | Action |
|---|---|---|---|
| Payroll Bot | payouts:write | sk_live_pay_... | |
| Auditor ReadOnly | ledger:read, audit:read | sk_live_aud_... |
Idempotency-Key Inspector & Replay Cache
Audit duplicate-charge protections, replay detection, and cached responses cached by `Idempotency-Key` headers
| Idempotency Key | Method & Path | Initial Status | Replay Hits | Created | Expires In | Cached Response |
|---|---|---|---|---|---|---|
| idem_payout_9041284 | POST /v1/payouts | 200 OK | 3 Replays Blocked | 12m ago | 23h 48m | |
| idem_card_fund_11094 | POST /v1/cards/crd_123/fund | 200 OK | 0 Replays | 1h ago | 22h 59m |
Webhook Delivery Workbench & Event Redelivery
Inspect real-time dispatch logs to your backend endpoint, latency, response headers, and trigger 1-click redeliveries
| Status | Event Type | Delivery ID | Endpoint URL | HTTP Code | Latency | Dispatched | Manual Action |
|---|---|---|---|---|---|---|---|
| DELIVERED | virtual_account.credited | del_8891042 | https://api.yourdomain.com/webhooks | 200 OK | 142ms | 4m ago | |
| FAILED | payout.successful | del_8890911 | https://api.yourdomain.com/webhooks | 502 Bad Gateway | 5000ms | 32m ago |
Paddle Elements — Drop-In BaaS Checkout & Account Modals
Embed verified Nigerian bank transfer & card checkout modals into any web app with 3 lines of JavaScript
Element Styling & Options
Drop-In Code Snippet
<!-- 1. Include Paddle Elements Script -->
<script src="https://api.getpaddle.online/v1/paddle.js"></script>
<!-- 2. Trigger Checkout Modal -->
<script>
const paddle = new PaddleElements({
publicKey: "pk_test_sample...",
theme: "dark",
primaryColor: "#10B981"
});
function payWithPaddle() {
paddle.openCheckout({
amount: 25000,
currency: "NGN",
customerEmail: "user@example.com",
onSuccess: (data) => console.log("Payment Confirmed:", data),
onClose: () => console.log("Checkout closed")
});
}
</script>
Slack & Discord Incoming Webhook Relays
Broadcast real-time operational alerts directly to your team's engineering & finance channels
Slack Incoming Webhook
Post notifications to #finance-alerts
Discord Channel Webhook
Post notifications to #devops-stream