1curl -X POST 'https://api.budpay.com/api/v2/transaction/initialize' \2 -H 'Content-Type: application/json' \3 -H 'Authorization: Bearer YOUR_SECRET_KEY' \4 -d '{5 "email": "customer@email.com",6 "amount": "20000",7 "callback": "https://yoursite.com/callback"8}'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:
- Add the BudPay script to your page
- Call
BudPayCheckout()when customer clicks pay - Customer completes payment in a popup
- You receive a callback with reference and status
<!-- Loads the BudPay inline checkout script -->
<script src="https://inlinepay.budpay.com/budpay-inline-custom.js"></script>
<button onclick="payWithBudPay()">Pay Now</button>
<script>
// Opens the BudPay checkout popup
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>BudPay Standard (Redirect)
Redirect customers to a secure, hosted payment page. Zero frontend code required.
How it works:
- Call the Initialize Transaction API from your server
- Redirect customer to the returned authorization URL
- Customer completes payment on BudPay's page
- BudPay redirects back to your callback URL with reference and status
Endpoint: POST https://api.budpay.com/api/v2/transaction/initialize
Server-to-Server
Build a completely custom payment experience. You control the UI, we handle the processing.
How it works:
- Collect payment details in your own form
- Encrypt and send to BudPay API
- Handle 3D Secure/OTP if required
- Verify the transaction status
Available methods:
| Method | Currencies | Use case |
|---|---|---|
| Cards (V1) | NGN | Local Nigerian cards with 3DS |
| Cards (V2) | USD, NGN, GHS, KES | International cards with Cybersource |
| Bank Transfer | NGN, USD, GHS, KES | Virtual account generation |
| Mobile Money | GHS, KES | M-Pesa, MTN, AirtelMoney |
Cards V1 is for NGN only. Use Cards V2 for multi-currency support on international cards.
Payment Link
Accept payments without a website. Generate a link and share it anywhere.
How it works:
- Create a payment link via API or dashboard
- Share the link via email, SMS, WhatsApp, or social media
- Customer clicks and pays on a BudPay-hosted page
- You get notified via webhook when payment completes
Invoice
Send professional invoices and get paid online. Track payment status automatically.
How it works:
- Create an invoice with line items and customer details
- Customer receives the invoice via email
- Customer pays using card, bank transfer, or mobile money
- You get real-time payment notifications
Best for: Service businesses, B2B payments, recurring billing
View Invoice documentation →Payment Methods Supported
| Method | Currencies | Countries |
|---|---|---|
| Cards (Visa, Mastercard, Verve) | NGN, USD, GHS, KES | Global |
| Bank Transfer | NGN, USD, GHS, KES | Nigeria, Ghana, Kenya |
| Mobile Money | GHS, KES | Ghana, Kenya |