Payislands
Payments infrastructure

Payments infrastructure for Nigeria and Africa

Collect payments. Automate billing. Reconcile with confidence.

PayIsland provides secure payment infrastructure for businesses, institutions, and organizations that need reliable collections, billing automation, settlement visibility, and developer-friendly APIs.

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PCI DSS
NDPR audit
CBN

Payment Island Services Limited operates within Nigeria’s regulated payment ecosystem and works with approved financial and payment infrastructure partners.

PayIsland merchant dashboard

Collections

Cards, transfers, and billing channels built for scale.

Reconciliation

Clear settlement reports for finance and audit workflows.

Gateway products built for scale

A comprehensive suite of payments, billing, virtual accounts, and reconciliation tools designed for your organization.

Checkout Gateway

Accept card, transfer, and other payment channels securely in your web or mobile checkouts.

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Payment Links

Create shareable links for orders, invoices, or fees, and collect payments without code.

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Bank Transfers

Accept transfer collections via static or dynamic virtual accounts for cleaner matching.

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Billing Automation

Manage subscription billing, send automated reminders, and track payment collection status.

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Disbursements / Payouts

Send bulk payouts or automated disbursements directly to bank accounts with security controls.

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Donation Links

Collect fundraising contributions securely for NGOs, schools, and religious associations.

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Settlement & Reconciliation

Reconcile faster and track settlement schedules using detailed dashboard reporting exports.

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Developers

Developer-first integrations

Our APIs are developer-friendly and built for robust transaction initializations. Access documentation, official SDKs, webhooks, and sandbox testing.

Technical PreviewAPI References
Initialize Transaction (cURL)
curl -X POST https://api.payislands.com/v1/transaction/initialize \
  -H "Authorization: Bearer sec_test_1984119xyz" \
  -d '{
    "amount": "500000",
    "email": "customer@email.com",
    "reference": "invoice_ref_998877"
  }'

Start collecting payments in days, not weeks

Our onboarding process is completely digital. Prepare your company CAC, director verification items, and business address files to activate live payments.

Required documents may vary depending on business type, risk profile, and payment channels requested.

Required Documents Checklist

  • CAC Registration documents
  • Director/proprietor identity verification (BVN, NIN)
  • Business address evidence
  • Active business bank account details
  • Website or detailed business description

Simple, transparent pricing

Local transactions: 1.7% + ₦100 per successful transaction.

Transfers and payouts: from ₦10 per transfer.

Only successful collections are charged. Custom volume discounts are available for institutions, platforms, and fundraising initiatives.

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Ecosystem & Partnerships

PayIsland integrates with established providers in the financial ecosystem to support payment operations.

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Customer Stories

Growing with PayIsland

We are currently partnering with our first cohort of merchants to document their integration journeys. Detailed case studies demonstrating operational efficiency gains will be published here soon.

Technical Case Studies

Optimizing Collections at Scale

Coming soon: In-depth technical writeups exploring how educational institutions and platforms automated reconciliation loops and accelerated settlement visibility.

FAQ

PayIsland FAQs

Quick answers for organisations evaluating PayIsland payment infrastructure.

Start collecting with PayIsland today

Talk to our team about custom collections, billing automation, and reconciliation.

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