# ZevPay Checkout

> Payment gateway for African merchants. Accept card, bank transfer, ZevPay ID and QR payments. Three integration shapes (Inline SDK, hosted Standard, billable Invoice), one API key, signed webhooks, T+1 settlement. Operated with 9PSB and VFD. Registered with NDPC (NDPC/DCP/12372).

## What ZevPay Checkout is

ZevPay Checkout is a payment gateway built specifically for African (initially Nigerian) merchants. Merchants integrate once and accept four payment methods from their customers: debit/credit card (Visa, Mastercard, Verve), bank transfer (dynamic NUBAN), ZevPay ID (peer-to-peer from any ZevPay account), and ZevPay QR (scan with the ZevPay app).

A single API key works across three integration shapes. Pick whichever fits your stack.

## Integrations

### Inline
Drop the JS SDK (`https://js.zevpaycheckout.com/v1/inline.js`) into any page. Call `new ZevPay.ZevPayCheckout().checkout({...})` to open a modal over your existing page. Best for SPAs (React, Vue), headless e-commerce, custom checkout UX, marketplaces. The customer never leaves your domain.
- URL: https://zevpaycheckout.com/checkout/inline

### Standard
Server-side initialize a transaction, get back an `authorization_url`, redirect the customer to a ZevPay-hosted checkout page, customer pays, returns to your `callback_url`. Verify the reference via `GET /v1/transactions/verify/{reference}` before fulfilling. Best for WordPress / WooCommerce, Shopify, no-JS sales pages, server-rendered apps (Rails, Django, Laravel). No client-side JS required.
- URL: https://zevpaycheckout.com/checkout/standard

### Invoice
Create a billable invoice with line items, customer details, due date via `POST /v1/invoices`. Returns a hosted payment URL you can share via WhatsApp, email, SMS, or as a printed QR code. Best for freelancers, agencies, B2B services, schools and NGOs (fees and donations), event organizers. Same webhook shape as Inline and Standard.
- URL: https://zevpaycheckout.com/checkout/invoice

## Developer experience

- **Auth**: Bearer `pk_*` and `sk_*` keys, scoped per entity
- **Idempotency**: `Idempotency-Key` header on writes (24-hour window)
- **Webhooks**: signed with HMAC-SHA256 over raw body, header `x-zevpay-signature`. Verify with `crypto.timingSafeEqual`, never `===`.
- **Rate limits**: 60 req/s per key, 429 with `Retry-After` on burst
- **Versioning**: pinned via `X-API-Version` header, default `2026-04-01`
- **Types**: OpenAPI 3 spec + TypeScript types on the SDK
- **Sandbox**: full surface on test keys, separate ledger from live
- **Status**: status.zevpaycheckout.com (99.95% target)
- **Documentation**: https://docs.zevpaycheckout.com

## Payment flow

1. Customer pays in your checkout. Auth runs on ZevPay's PCI-DSS infrastructure.
2. ZevPay confirms funds with NIBSS / acquirer. Composes webhook payload, signs it with HMAC-SHA256.
3. Your backend receives the webhook within ~120ms of confirmation. Verify signature, mark order paid, fulfil.

## Pricing

Same rates whether you use Inline, Standard, or Invoice. See https://zevpaycheckout.com/pricing.

## Settlement

T+1 settlement to Nigerian bank accounts. Wallet-mode (T+0) is available for fully-onboarded entities with provisioned NUBAN.

## Trust + compliance

- Operated with 9PSB (Bank of Industry partner) and VFD
- Registered data controller with the Nigerian Data Protection Commission (NDPC) - NDPC/DCP/12372
- Card payments processed on PCI-DSS infrastructure

## Dashboard + onboarding

Merchant dashboard: https://dashboard.zevpaycheckout.com (SSO - one sign-on covers both new and returning users).

## Key URLs

- Home: https://zevpaycheckout.com
- All integrations: https://zevpaycheckout.com/checkout
- Inline: https://zevpaycheckout.com/checkout/inline
- Standard: https://zevpaycheckout.com/checkout/standard
- Invoice: https://zevpaycheckout.com/checkout/invoice
- Developers: https://zevpaycheckout.com/developers
- Pricing: https://zevpaycheckout.com/pricing
- Documentation: https://docs.zevpaycheckout.com
- Merchant dashboard: https://dashboard.zevpaycheckout.com
- Status: https://status.zevpaycheckout.com