NeratPay API

A number for every customer.

Create dedicated virtual accounts from your server, match deposits the moment they land, and pay out to your settlement bank. Base URL: https://api.nerat.app/api (also available under /api/v1).

Quickstart

1. Open the dashboard Developers page and copy your test secret key.
2. Create a virtual account with an Idempotency-Key and your customer’s BVN or NIN.
3. Simulate a deposit in test mode, then verify the webhook signature before you credit anyone.
4. Switch to live keys when KYB is approved and you are ready for real money.

curl https://api.nerat.app/api/virtual-accounts \
  -H "Authorization: Bearer sk_test_..." \
  -H "Content-Type: application/json" \
  -H "Idempotency-Key: 7c9e2a14-6b31-4f08-9d2e-1a0b6c4d8e11" \
  -d '{
    "customerName": "Amaka Okafor",
    "customerEmail": "amaka@example.com",
    "customerPhone": "08012345678",
    "customerBvn": "12345678901",
    "preferredBank": "palmpay",
    "customerReference": "user-42"
  }'