Product
Collect bank transfers, move the money and run it all from one API and dashboard.
Payments / ORDER-12345
Payment
pay_01J8Z5X7Q9K2M4N6P8R0S2T4V6
₦50,000.00
Every way to ask for a bank transfer: from your own code, from a hosted page, or from a link or invoice you share.
Your server creates a payment with an amount in kobo, your own reference and the customer, and gets back the account number to show.
The exact amount is enforced by the partner bank. The payment window is between 5 minutes and 3 hours, 30 minutes by default.
Read the docsCreate a dedicated account for a customer and every transfer into it becomes a succeeded payment for them, or let each payment create its own single-use account.
One dedicated account per customer by default. Account numbers are issued by the partner bank.
Read the docsThe partner bank reports each credit, and Pletopay also reads the bank’s records directly, so a missed notification cannot lose a payment.
Timing depends on the partner bank. In practice confirmation follows the transfer within seconds; there is no guaranteed time.
Read the docsCreate a checkout session from your server and redirect the customer, or open the same page in a popup on your own site.
Sessions expire with the payment window. The page is hosted by Pletopay.
Read the docsCreate a link in the dashboard or the API with a fixed or customer-chosen amount, an optional limit on uses and an expiry.
Each use of a link creates a normal payment with the usual window.
Read the docsDraft an invoice with line items, finalise it and send it. The customer pays by transfer from the hosted invoice page.
Invoices are paid by bank transfer only.
Read the docsDefine a plan, subscribe a customer, and each billing cycle issues an invoice for the customer to pay by transfer.
Nothing is debited automatically. The subscription tracks what is paid and what is overdue.
Read the docsWhat happens after a payment is confirmed: settlements to your bank, refunds, splits for partners and transfers out.
Confirmed payments add their net amount to your balance. Settle daily, weekly or monthly in Lagos time, or settle now from the dashboard.
Settlements go to a verified bank account. A minimum settlement amount applies.
Read the docsRefund a succeeded payment in full or in part. The money goes back to the account it came from.
Only confirmed payments can be refunded. The bank’s transfer cost is passed through; Pletopay charges no fee of its own.
Read the docsCreate subaccounts for sellers or partners and a split rule by percentage or flat amount, then attach it to a payment, checkout, link or invoice.
Splits apply to the net amount after fees.
Read the docsLook up the recipient’s account name, request a quote with the exact cost, and send. Transfers report their final state by webhook.
Live transfers are enabled per business after verification.
Read the docsThe tools your team and your systems use to keep up with the money.
Register an endpoint and choose the events you want. Each delivery is signed with HMAC-SHA256 and a timestamp.
Failed deliveries retry for up to six hours. An endpoint that keeps failing is paused until you re-enable it.
Read the docsRequest a report for a date range and download the CSV when it is ready. Settlement detail lists every payment in a payout.
A report covers up to a year at a time.
Read the docsInvite colleagues with a role, or build a custom role from the permission list. Sensitive actions ask for a fresh code.
Owners and administrators manage roles.
Your test key talks to the same API as your live key, and you can simulate an incoming transfer to see the whole flow end to end.
Live mode opens after business verification is approved.
Read the docsSign up, build in test mode, and simulate the whole flow before your business is verified.