Bill Payment API

Every Nigerian biller. One integration.

Sell airtime, data, cable TV, prepaid electricity and exam PINs from your own app, website or WhatsApp bot. You earn a discount on every sale.

Get sandbox keys See plans

POST /v1/bills

curl https://api.z9pay.com/v1/bills \
  -H "Authorization: Bearer sk_test_••••••••" \
  -d biller=ikeja-electric-prepaid \
  -d customer=45031288761 \
  -d amount=10000

Who it’s for

Three kinds of customer, three plans.

Communities and groups: Estates, cooperatives, schools and associations paying for members, or selling to them.
Influencers: Run airtime and data giveaways, or a branded VTU store your audience buys from.
Individuals: Resellers selling to friends, family and customers, with a discount on every sale.

Plans

Pay monthly, cancel any time.

Pricing to confirm

Individuals

Resellers selling airtime and data to people they know

₦0per month

Airtime, data, TV and power
Up to 1.5% discount on airtime
Dashboard and wallet
Email support

Choose Individuals

Communities and groups

Most chosen

Estates, cooperatives, schools and associations

₦15,000per month

Everything in Individuals
Group wallets and sub-accounts
Up to 3% discount on airtime
Bulk payments and CSV upload
Priority support

Choose Communities and groups

Influencers

Creators running giveaways and branded VTU stores

₦25,000per month

Everything in Communities
Branded storefront link
Bulk airtime and data giveaways
Webhooks and full API access
Named account manager

Choose Influencers

Reference

Five endpoints cover it.

Covers 7 bill categories. Validate the customer before you charge them, pay, then listen for the webhook.

GET/v1/billersList billers and products
POST/v1/bills/validateCheck meter, smartcard or phone number
POST/v1/billsPay a bill
GET/v1/bills/:idFetch status and token
POST/v1/webhooksSubscribe to status events

FAQ

Questions people ask

Something else? support@z9pay.com

Is there a sandbox?

Yes. Sandbox keys work against simulated billers, chains and payouts, with the same API shape as production.

How do I go live?

Complete business verification, sign the API agreement, and our compliance team reviews your use case. Most reviews finish within five business days.

Do you send webhooks?

Yes. Every object change triggers a signed webhook. We retry with backoff for 72 hours until your endpoint returns a 2xx.