Built for modern African businesses

Run payments, cash and growth from one clear workspace.

Accept payments, control operations and unlock payment, accounting and treasury views from one place.

VelvPay is a Nigerian business payments platform for merchants, social sellers and commerce teams that need payment links, invoices, storefront payments, payouts, reports and controlled team access without stitching separate tools together.

Create your payment workspace Explore business use cases

Get paid

Links, invoices, store

Stay in control

Roles and approvals

Know the business

Customers and cash

Today

Business overview

Live

Available balance

₦12,840,500

12.4% this month

Collected this month

₦8,412,900

Across 486 successful payments

Recent activity

View transactions

Online store payment

2 min ago · Successful

+₦84,500

Invoice INV-2048

18 min ago · Successful

+₦310,000

Supplier disbursement

42 min ago · Approved

−₦126,000

One operating system

Payments are only useful when the business can act on them.

Connect payments, operations, customers and treasury in one flow so every transaction drives action.

Payment links

Build a trusted branded checkout experience in minutes with payment links your customers can complete in one step.

Invoices

Create, send and reconcile invoices without losing the payment history behind each job.

Storefront

Launch a hosted store and connect product sales straight to payouts and customer activity.

Disbursements

Send payouts with approval steps and limits that match your team’s finance policy.

Operate with evidence

Your team sees what needs attention, what changed and what to do next.

Failed payments, pending settlements and account actions are turned into clear work queues, with evidence attached to every step.

Start operating

Payment operations

Track payment status from attempt to settlement with clear escalation rules.

Team controls

Role-based access, maker-checker approvals and full action tracking.

Business intelligence

See customers, counterparties, channels and products in one payment view.

Treasury planning

Understand cash on hand, pending obligations and planned transfers before moving funds.

Designed for trust

Controls grow with the team, not around it.

Owners, operators, approvers, accountants and developers each get the right work and data, while sensitive actions stay protected.

Give each role only the permissions it needs; operations process, approvers sign off, and finance exports.
Hold high-risk actions—payouts, bank details, and account changes—until a second approver releases them.
Move every request through clear status states: pending, approved, rejected, expired, or completed.
Keep a full timeline for each money decision: who created it, reviewed it, approved it, and executed it.
Search one workspace for payments, invoices, links, refunds, settlements, and payouts with role-based visibility.
Generate one reconciliation file per period in CSV, XLSX, or PDF for bookkeeping, taxes, and audits.

Built to connect

Use the dashboard. Automate with the API. Keep one source of truth.

Start with hosted payments for teams that need speed, then activate API-led workflows for deeper automation.

Receive your first payment Build your first API flow

Create a payment

POST /api/v1/payments

{
  "amount": 250000,
  "currency": "NGN",
  "customer": {
    "email": "customer@example.com"
  },
  "reference": "order_2048"
}

Security and compliance

Trust is designed into every workflow.

Sensitive actions are controlled by role, approval rules and clear audit history from first action to settlement.

Account guardrails

Accounts become active only after required setup checks pass for your business policy.

Least privilege

Each teammate only sees the workspace, accounts and actions they are assigned.

Controlled approvals

High-risk operations use maker-checker or owner approval based on team policy.

Traceable actions

Every admin and operations change keeps actor, reason, and timestamp in audit.

Transparent pricing

Know the cost before the transaction.

Clear processing fees. No charge for creating the tools your business uses to collect money.

Money in and out

Deposit

0.05% + ₦50

Deposit fees are capped at ₦300.

Payout

₦50

Per payout through the API or dashboard.

Collection account

Collection

0.5%–1%

Your rate reduces automatically as the value of each collection increases.

Up to ₦100,000: 1%
Above ₦100,000 to below ₦500,000: 0.8%
₦500,000 and above: 0.5%

Statutory charges may apply to qualifying inflows.

Card payments

Local cards

1.5%

For locally issued cards.

International cards

For international card transactions.

Business tools

Included

Free

Invoices, payment links, payment requests and storefront creation.

Fees shown are the standard published rates and may vary by contract, payment method or regulatory charge. The applicable fee is shown before you confirm an action.

Ready when you are

Give your team one place for every money decision.

Start fast with hosted payments, then add treasury, reporting and API workflows when needed.

Receive your first payment Build your first API flow

12A, Lanre Olumide, IdadoEstate Lekki,
Lagos, Nigeria.

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