Programmable Money Infrastructure for African Enterprise.
Issue auto-reconciled dedicated NUBANs, automate high-throughput bank transfers, and ledger multi-currency balances in real time over one unified API.
Dedicated Merchant Virtual Account
Instantly generate permanent or dynamic NUBAN bank accounts mapped directly to your customer identifiers. Bank transfers auto-settle instantly with webhook triggers.
₦50B+
Annual Transaction Volume
<120ms
P99 API Latency
99.99%
Platform SLA Uptime
100%
Automated Reconciliation
Everything required to build financial products.
Stop wrestling with fragmented bank APIs. PayTaara provides developer-first rails for collections, payouts, and balance management.
Dedicated Virtual Accounts
Assign permanent or single-use NUBAN numbers to your merchants. Bank transfers automatically reconcile with zero human intervention.
Instant Bulk Payout Engine
Execute thousands of bank disbursements per minute via API. Built-in retry mechanisms handle transient bank network delays.
Double-Entry Ledger Engine
Maintain multi-currency balance ledgers with mathematical integrity. Prevent overdrafts, double-spends, and balance drift.
Dynamic Checkout & Invoicing
Generate custom checkout links and automated PDF invoices with integrated virtual account payment options.
Real-time Webhook Streaming
Receive instant cryptographic HMAC-signed notifications for every deposit, payout, and balance change.
Bank-Grade Compliance
Automated KYC level checks (BVN/NIN/CAC), AML monitoring, and sanctions screening pre-built into every endpoint.
Integrate in minutes.
Scale for years.
Clean REST endpoints, predictable error payloads, and official SDKs for Node.js, PHP, Python, and Go.
curl -X POST https://api.paytaara.com/v1/virtual-accounts \
-H "Authorization: Bearer sk_live_9a8f...2026" \
-H "Content-Type: application/json" \
-d '{
"customer": {
"email": "finance@acme.ng",
"bvn": "22198765432"
},
"currency": "NGN",
"prefix": "ACME"
}'Your financial data protected by bank-level standards.
NDPA 2023 & NDPR
Strict compliance with Nigerian Data Protection Act.
256-bit Encryption
TLS 1.3 in transit and AES-256 at rest.
CBN Rail Settlement
Funds settled directly via licensed commercial banks.
Automated Audits
Continuous real-time ledger variance checks.