The Centiiv Payment API is a full-stack financial infrastructure designed to help African businesses collect, manage, and disburse fiat currency globally. This API simplifies complex banking operations into a single integration, allowing you to focus on scaling your business while we handle the heavy lifting of regional and international payment processing.
💡 Key Distinction
This is the Payment Service Provider (PSP) layer.
- Use the Payment API (
api.centiiv.com) for traditional business tools like virtual accounts, local bank payouts, invoicing, and escrow. - Use the Protocol API (
api.centiiv.io) for decentralized liquidity, stablecoin swaps, and node management.
Core Capabilities
1. Collections & Virtual Accounts
Accept payments from your customers seamlessly. We provide multiple ways to get paid:
- Virtual Accounts: Assign dedicated bank accounts to your users to receive automated bank transfers.
- Payment Links: Generate payment links in seconds that can be shared via SMS, email, or social media.
2. Payouts & Disbursements
Send money to suppliers, partners, or employees with ease:
- Local Payouts: Fast and reliable transfers to bank accounts and mobile money wallets within African corridors.
- Global Transfers: Disburse funds to over 100+ countries with competitive FX rates.
- Bulk Payouts: Process thousands of payments simultaneously via a single API call.
3. Smart Escrow System
Build trust in your peer-to-peer (P2P) marketplace:
- Secure Holding: Hold customer funds safely in our smart escrow accounts until delivery is confirmed.
- Automated Dispute Resolution: Use our transaction evidence system to resolve conflicts fairly and reduce chargebacks.
- Flexible Release: Programmatically release funds based on custom business logic or manual triggers.
4. Business Operations
- Smart Invoicing: Create, track, and manage professional invoices.
- Wallet Management: Manage multi-currency balances.
Technical Details
| Detail | Value |
|---|---|
| Base URL | https://api.centiiv.com/api/v1 |
| Authentication | Bearer Token / API Key (cnt-*) |
| Format | JSON (RESTful) |
| Webhooks | Real-time event notifications for all transaction statuses. |
Getting Started
To begin processing payments, you will need to sign up on the Centiiv Dashboard as a merchant to obtain your API keys. We recommend starting in the Sandbox environment to test your integration before moving to production.
Need help? Contact our technical support team at [email protected].