Infrastructure Partner Program
Your payments product. Our engineers, rails and licensed partners.
For banks, cooperatives, fintechs and large merchants who want their own payments product without building a payments company. We design, build and run it. You own the brand and the customer.
Once
Build fee
Fixed after scoping. Paid in milestones as working software is delivered.
Every quarter
Maintenance fee
Hosting, monitoring, updates, compliance changes and on-call support.
How it runs
From first call to live in about 15 weeks.
- Weeks 1–2
Scope
Workshops with your team. We agree the product, the corridors, the compliance model and a fixed build fee.
- Weeks 3–10
Build
Our engineers build on Z9Pay rails. You see a working build every two weeks.
- Weeks 11–14
Certify
Security testing, partner certification and compliance sign-off.
- Week 15 on
Run
We host, monitor and maintain it. You pay a quarterly maintenance fee.
What we build
Anything that runs on our rails.
- Wallets and naira accounts for your customers
- Bill payment and VTU storefronts
- USDT to NGN swap flows
- Virtual card programmes
- Supplier payment portals for importers
- Admin dashboards, reporting and reconciliation
Infrastructure Partner Program
Illustrative| Item | Price |
|---|---|
| Build feeOne-time. Fixed after scoping, paid in milestones. | From ₦15m |
| MaintenanceHosting, monitoring, compliance updates and on-call support. | From ₦3m per quarter |
| Transaction pricingPass-through or revenue share, in writing. | Agreed per product |
| Typical timelineFrom signed scope to live. | 10 to 16 weeks |
What does the build fee cover?
Scoping, design, engineering, testing and launch of the agreed product. It is fixed once the scope is signed and paid in milestones.
What does the quarterly maintenance fee cover?
Hosting, monitoring, security updates, regulatory changes, partner integrations and on-call support. Changes in scope are quoted separately.
Who owns the product?
You own your brand, customer relationship and front-end. The underlying rails and licences stay with Z9Pay and our partners. It is written into the agreement.