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Get paid the way your customers like to pay.

EchoGateway puts cards, bank transfer, USSD, wallets and over-the-counter bank payments behind one checkout and one API. Verify your business online and start collecting the same day you're approved.

Create a free account Read the docs

No setup fee. You only pay when you get paid — see pricing.

AF

Ade Fashion Stores

Order #10234

₦45,000

Choose how to pay

Payment received

Processed by . Receipt EGW261102K4QX sent to the customer, and the order webhook is on its way to the shop.

This is a demo of the checkout your customers see. Try a channel.

Every way Nigerians pay, in one checkout.

We route each payment through 2 licensed processors, so when one bank or network has a bad day your customers can still pay with another.

See all payment methods
Cards
Visa, Mastercard, Verve and AmEx — with 3-D Secure and OTP.Paystack, Flutterwave, Interswitch Web Checkout, Monnify, Squad by GTCO, Korapay, OPay, CoralPay Verge
Bank transfer
Pay into a one-time account number; confirmed automatically.Bank Transfer (NET MFB), Paystack, Flutterwave, Monnify, Squad by GTCO, Korapay, OPay, CoralPay Verge
USSD
Dial a short code from any phone — no internet or smartphone needed.Paystack, Flutterwave, Monnify, Squad by GTCO, CoralPay Verge, Interswitch Web Checkout
Wallets & Pay with Bank
OPay wallet, phone-number payments and bank app approvals.OPay, Monnify, Korapay, Paystack
NQR
Scan to pay with any Nigerian banking app.CoralPay Verge, Paystack
Bank branch & Remita
Pay over the counter at any bank with a Remita RRR or Interswitch PayDirect reference.Remita, Interswitch PayDirect

From sign-up to your first payment.

  1. 1

    Create your account

    Tell us your business name and how to reach you. Your dashboard opens straight away, with the API docs ready to explore.

  2. 2

    Verify your business

    Enter your BVN, CAC details and settlement account and upload your documents. We check them instantly with EchoVerify, then our compliance team reviews.

  3. 3

    Start collecting

    Once approved, share a payment link or connect your website with the API. Money settles to your bank account on your settlement cycle.

Create your account

No website? Share a payment link.

Create a link for a product, an invoice, event tickets or donations. Fixed price, a list of options, or let the customer enter the amount. Add the fields you need — size, colour, delivery address — and send it on WhatsApp.

echogateway.ng/l/ade-ankara-dress

Ankara wrap dress · ₦18,500 · Size, delivery address

Building something? One API.

Create a transaction, redirect to checkout, receive a signed webhook. We handle the processors, retries, receipts and settlement.

POST /api/v1/transactions/initialize
{
  "amount": 45000,
  "merchant_reference": "ORDER-10234",
  "customer_email": "amaka@example.com",
  "callback_url": "https://shop.example.com/hooks/pay"
}
→ "checkout_url": "https://echogateway.ng/pay/EGW261102K4QX"
API reference

Built to be trusted with your money.

Every business is verified before it can take live payments, and every naira is traceable from checkout to your bank statement.

  • Verified merchants

    BVN, NIN, CAC, bank account and PEP checks through EchoVerify, reviewed by people.

  • Predictable settlement

    Instant, next-day or weekly — split automatically between you, partners and the platform.

  • Secure by default

    Signed and time-stamped API calls, signed webhooks, two-factor sign-in and an audit trail.

  • Reports you can use

    Live dashboard, CSV exports, settlement reports and SMS summaries for your finance team.

Ready when you are.

Open an account in two minutes. Your customers could be paying you by tomorrow.

Create account Talk to sales