Accept Payment
Overview

Accept Payments

Collect payments from customers across Africa and beyond. Choose the integration method that fits your needs, from a quick drop-in checkout to full API control.


BudPay Inline (Popup)

Embed the checkout directly on your website as a popup. Customers never leave your site.

How it works:

  1. Add the BudPay script to your page
  2. Call BudPayCheckout() when customer clicks pay
  3. Customer completes payment in a popup
  4. You receive a callback with reference and status
<script src="https://inlinepay.budpay.com/budpay-inline-custom.js"></script>
<button onclick="payWithBudPay()">Pay Now</button>
<script>
function payWithBudPay() {
  BudPayCheckout({
    key: "pk_test_xxxxx",
    email: "customer@email.com",
    amount: "5000",
    first_name: "John",
    last_name: "Doe",
    currency: "NGN",
    callback: function(response) {
      console.log("Reference:", response.reference);
      console.log("Status:", response.status);
    },
    onClose: function(response) {
      console.log("Payment cancelled");
    }
  });
}
</script>
View full Inline documentation →

BudPay Standard (Redirect)

Redirect customers to a secure, hosted payment page. Zero frontend code required.

How it works:

  1. Call the Initialize Transaction API from your server
  2. Redirect customer to the returned authorization URL
  3. Customer completes payment on BudPay's page
  4. BudPay redirects back to your callback URL with reference and status
curl -X POST https://api.budpay.com/api/v2/transaction/initialize \
  -H "Authorization: Bearer YOUR_SECRET_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "email": "customer@email.com",
    "amount": "20000",
    "callback": "https://yoursite.com/callback"
  }'
View full Standard documentation →

Server-to-Server

Build a completely custom payment experience. You control the UI, we handle the processing.

How it works:

  1. Collect payment details in your own form
  2. Encrypt and send to BudPay API
  3. Handle 3D Secure/OTP if required
  4. Verify the transaction status

Available methods:

MethodCurrenciesUse case
Cards (V1)NGNLocal Nigerian cards with 3DS
Cards (V2)USD, NGN, GHS, KESInternational cards with Cybersource
Bank TransferNGN, USD, GHS, KESVirtual account generation
Mobile MoneyGHS, KESM-Pesa, MTN, AirtelMoney

Cards V1 is for NGN only. Use Cards V2 for multi-currency support on international cards.

View full S2S documentation →

Payment Link

Accept payments without a website. Generate a link and share it anywhere.

How it works:

  1. Create a payment link via API or dashboard
  2. Share the link via email, SMS, WhatsApp, or social media
  3. Customer clicks and pays on a BudPay-hosted page
  4. You get notified via webhook when payment completes
View Payment Link documentation →

Invoice

Send professional invoices and get paid online. Track payment status automatically.

How it works:

  1. Create an invoice with line items and customer details
  2. Customer receives the invoice via email
  3. Customer pays using card, bank transfer, or mobile money
  4. You get real-time payment notifications

Best for: Service businesses, B2B payments, recurring billing

View Invoice documentation →

Payment Methods Supported

MethodCurrenciesCountries
Cards (Visa, Mastercard, Verve)NGN, USD, GHS, KESGlobal
Bank TransferNGN, USD, GHS, KESNigeria, Ghana, Kenya
Mobile MoneyGHS, KESGhana, Kenya
USSDNGNNigeria

Next Steps