Servinux Resource Hub
Intelligence at your fingertips.
Search our siloed technical knowledge base for engineering resolutions and operational guides.
API Architecture
Integrate our RESTful endpoints with high-fidelity SDKs and automatic webhook retries.
Settlement & Liquidity
Manage your treasury with automated payout schedules and real-time reconciliation logs.
Risk & Compliance
Learn about our 2026 Security Protocols, fraud monitoring, and chargeback management.
Global Intelligence Base
Is there a fee for transferring from my balance to my bank?
No, standard automated settlements are free.
What happens if a customer pays the wrong amount via transfer?
Our "Dynamic Transfer" system only accepts the exact amount; any mismatch is automatically refunded.
Can I set different permissions for different team members?
Yes, you can restrict "Support" staff from seeing "Financial" data.
Who owns the IP of the custom code I write using your API?
You own your code; FinovoPay owns the API infrastructure and intellectual property.
How do I get a "Live" Secret Key?
Complete your KYC verification and click "Go Live" in the dashboard.
Do you support Pay with Bank (Direct Debit)?
Yes, customers can authorize a direct charge from their bank account.
Can I add a "Service Charge" to my invoices?
Yes, you can add custom tax or service line items to any invoice.
What is "Device Fingerprinting"?
A technique that identifies unique devices to block repeat fraudsters.
Is VAT included in the 1.5% fee?
No, VAT is calculated on the fee itself as per Nigerian tax law.
Do you have an internship program?
Yes, our "Future-Fin" program offers 6-month internships for Nigerian graduates.
What is an "Acquirer Reference Number" (ARN)?
A unique code used to track a transaction through the global banking system.
Can I use FinovoPay to pay my own vendors?
Yes, our "Transfers" feature allows you to pay any Nigerian bank account from your balance.
Do you support Webhook testing tools?
Yes, we provide a "Webhook Tester" in the dashboard to simulate events.
Does the ₦2,000 cap apply to international cards?
No, international cards have no cap due to high global gateway fees.
What is a "Form CO7"?
It is a CAC document showing business directors; required for Tier 3 verification.
Do you perform regular penetration tests?
Yes, our infrastructure undergoes quarterly independent security audits.
Is the WooCommerce plugin free?
Yes, all our plugins are free to download and use.
How do I check my merchant ID?
Your Merchant ID (MID) is visible at the bottom of the "Settings" page.
Can I use a personal bank account for settlement?
Only for "Starter" merchants. "Registered" merchants must use a corporate business account.
How do I request data deletion?
Submit a request to [email protected] to exercise your NDPR "Right to be Forgotten."
What is the webhook retry policy?
If your server is down, we retry webhook delivery 5 times over 24 hours.
Do you support recurring bank transfers?
We currently support recurring card payments. Recurring transfers are in our roadmap.
Why is my payout "On Hold"?
Payouts may be held for manual review if there is a sudden spike in suspicious activity.
Is the checkout iFrame secure?
Yes, it uses "Sandbox" attributes to isolate payment data from the merchant site.
How heavy is the SDK library?
Our SDKs are ultra-lightweight (under 2MB) to ensure your app stays fast.
Can I generate invoices in bulk?
Yes, our API supports bulk invoice creation via a single JSON array.
How do I speak to a live agent?
Live chat is available 9am-5pm on weekdays via the dashboard.
Do you offer seasonal discounts?
We offer volume-based discounts for merchants processing over ₦10M monthly.
Are directors BVN required for KYC?
Yes, as per CBN regulation, the BVN of at least one director is required for identity verification.
What is the "Finovo Engineering" culture like?
We are a documentation-first, remote-friendly team focused on high-concurrency architecture.
Is your API RESTful?
Yes, we use standard HTTP verbs and JSON for all communication.
Do you support "Pay with Phone Number"?
Yes, for mobile money and certain wallet integrations.
What happens if I lose my Secret Key?
You can "Roll" your keys in the dashboard. This invalidates the old key and generates a new one instantly.
How do I view my "Dispute Ratio"?
Your dispute health is displayed on the main dashboard under "Risk Metrics."
Does FinovoPay charge for failed payouts?
No. If a bank rejects a payout, we notify you and keep the funds in your balance for retry at no cost.
What is your API rate limit?
We allow up to 100 requests per minute per IP. Contact us for higher enterprise limits.
Is the SDK UI customizable?
Yes, you can inject your brand colors and logo into the mobile checkout flow.
How many invoices can I send per month?
There is no limit to the number of invoices or payment links you can generate.
Is there a WHMCS plugin for hosting companies?
Yes, we provide a WHMCS module for automated hosting and domain billing.
Can I use FinovoPay for an NGO?
Yes, we have specialized onboarding for non-profits and registered charities.
Do you support PHP 8.x?
Yes, all our SDKs and plugins are fully compatible with PHP 8.0 and above.
What is the limit for an unverified merchant?
Unverified accounts are restricted to "Test Mode." You must complete KYC to receive live payments.
Can I change my registered email address?
Email changes require a verification request to our support team for security purposes.
Can I split settlement between two different bank accounts?
Currently, we settle to one primary account. You can use our Transfer API to move funds elsewhere after payout.
How do I report a vulnerability (Bug Bounty)?
Please send technical details to [email protected]. We reward responsible disclosure.
Does FinovoPay support biometric authentication?
Yes, our Mobile SDKs support Fingerprint and FaceID via the phone native hardware.
Can I automate refunds via API?
Yes. Our API includes a /refund endpoint for full or partial automated reversals.
What is the minimum amount I can collect?
The minimum transaction amount is ₦100 to cover processing costs.
How do I handle "401 Unauthorized" errors?
This usually means your API Secret Key is missing or incorrect. Double-check your Authorization header.
Can I set an expiry date on a payment link?
Yes, you can set an expiration time for sensitive invoices or limited-time offers.
Do you support Pay with USSD?
Yes. We support USSD codes for all major Nigerian banks, allowing customers without internet access to pay securely.
Can I accept payments from OPay or PalmPay?
Yes. We support transfers from all Fintechs and commercial banks via the NIBSS Instant Payment (NIP) network.
How do I solve "Bank Network" errors?
If a specific bank is down, our system automatically suggests an alternative payment method (like USSD or Transfer) to the customer.
Where can I find your Terms of Service?
Our full Terms and Conditions are available at finovopay.com/legal.
How is my customer data protected?
We use AES-256 encryption for all data at rest and TLS 1.3 for data in transit, ensuring total privacy.
Is FinovoPay a licensed financial entity?
We operate as a Payment Solution Service Provider (PSSP) under the regulatory framework of the Central Bank of Nigeria.
Do you offer remote work for engineers?
Yes. We operate a hybrid model, allowing our technical teams to work remotely while collaborating in-person at our Lagos hub.
How do I apply for a job at FinovoPay?
Visit our Careers page to see open roles in Engineering, Sales, and Operations. We are always looking for top talent.
Where is FinovoPay headquartered?
We are proudly headquartered in Victoria Island, Lagos, Nigeria.
What is the rate for international cards?
International transactions are charged at 3.9% due to cross-border processing and currency conversion costs.
Are there any setup or monthly maintenance fees?
No. FinovoPay has zero setup fees and zero monthly maintenance costs. You only pay when you make a sale.
What is the standard fee for local transactions?
Our standard rate is 1.5% per local transaction, capped at ₦2,000.
Do you notify merchants of scheduled maintenance?
Yes. We send email broadcasts and dashboard alerts at least 48 hours before any scheduled system upgrades.
How can I check if the payment gateway is up?
Our live status page at status.finovopay.com shows real-time uptime for all banks and card processors.
What environments do you support?
We provide a "Sandbox" environment for testing and a "Production" environment for live transactions.
Do you provide a Postman collection?
Yes. You can download our official Postman collection from the documentation site to test endpoints quickly.
Where is your API Reference located?
Our comprehensive API documentation is available at developers.finovopay.com.
Can I manually flag a suspicious customer?
Yes. Your dashboard allows you to blacklist specific email addresses or phone numbers to prevent them from attempting future payments.
What is "Velocity Checking"?
Velocity checks prevent "Card Guessing" by limiting how many times a single IP or Card can attempt a payment within a specific timeframe.
How does FinovoPay detect fraudulent transactions?
We use a multi-layered Fraud Engine that checks IP reputation, device fingerprinting, and blacklisted card databases in real-time.
Do you support React Native or Flutter?
We provide official wrappers for both Flutter and React Native, ensuring hybrid developers can integrate FinovoPay with ease.
Is there an iOS SDK for Apple devices?
Yes. Our iOS SDK is written in Swift and provides a highly optimized, secure checkout experience for iPhone and iPad users.
Do you have an Android SDK?
Yes. Our Android SDK supports native integration, allowing you to accept card and bank transfer payments directly inside your app.
Do you support Magento or Prestashop?
Yes. We maintain official extensions for Magento 2 and Prestashop to handle secure local payments.
Is there a Shopify integration?
We provide a dedicated Shopify Payment App that integrates seamlessly with your Shopify checkout.
Do you have a WordPress/WooCommerce plugin?
Yes. Our official WooCommerce plugin is available on the WordPress repository. Installation takes less than 2 minutes.
Can I offer free trials for my services?
Yes. You can set a "Trial Period" during subscription setup. The customer’s card is verified, but the first charge only happens after the trial ends.
What happens if a subscription payment fails?
We use "Smart Retries." If a charge fails, we automatically retry after 24 hours and notify the customer to update their card details.
How does FinovoPay handle recurring billing?
Our subscription engine securely tokens the customer’s card and automatically charges them on their anniversary date (weekly, monthly, or yearly).
Can customers pay part of an invoice?
Currently, invoices are set for full payment. For partial payments, we recommend creating multiple invoice installments for the client.
Do you support automated invoice reminders?
Yes. You can schedule automatic email reminders for unpaid invoices at intervals of 3, 7, or 14 days.
Can I send invoices via WhatsApp?
Yes. Every invoice generates a unique "Short Link" that you can copy and share via WhatsApp, SMS, or Social Media.
How do I create a professional invoice on FinovoPay?
You can generate invoices directly from your dashboard. Simply add the customer email, items, and price; we will send a secure payment link automatically.
What happens if a transaction is interrupted?
Our system uses "Auto-Requery" logic. If a connection drops, we automatically check the bank status to ensure the transaction is correctly updated as successful or failed.
Does the gateway support multiple currencies?
We support Naira (NGN) by default and offer USD, GBP, and EUR processing for merchants with verified domiciliary settlement accounts.
Can I accept payments on my website without a redirect?
Yes. Using our Inline Checkout, customers can complete payments in a popup modal without ever leaving your website.
What is the FinovoPay Payment Gateway?
Our gateway is a secure link that captures payment data from your customer and routes it to the banks for authorization in milliseconds.
Where can I find your "Public Roadmap"?
We share our upcoming features and system improvements with our community via our Research Blog. Significant updates are also broadcasted to our verified merchant list.
What is a "Rolling Reserve"?
For high-risk business models, a small percentage of funds (e.g., 5%) may be held for a short period to cover potential future chargebacks. This is reviewed monthly based on performance.
Can I use "Webhooks" for local development?
Yes. We recommend using tools like Ngrok to expose your local server to the internet so you can receive and test our webhook payloads during development.
How do you protect the "Secret Key"?
We encrypt all API keys at rest using AES-256. We also provide "Key Rotation" features, allowing you to generate new keys periodically to maintain high security.
How do I reconcile my account at the end of the year?
We provide a comprehensive "Annual Financial Report" export in PDF and CSV, which includes all gross sales, fees paid, VAT, and successful settlements for easy tax filing.
Do you offer discount rates for NGOs or Charities?
Yes. Registered non-profits and NGOs may be eligible for a reduced transaction fee. Please submit your registration documents to our sales team for review.
What is "Fallback Logic"?
In the event that our primary payment switch experiences a dip in performance, our system automatically routes transactions through an alternative switch to maintain high success rates.
Why was my settlement "Delayed"?
The most common reasons for delays are bank network downtime, incomplete KYC verification, or a high volume of recent disputes triggering a temporary safety review.
Are you regulated by the Central Bank of Nigeria?
FinovoPay operates through partnerships with licensed switching and PSSP providers, ensuring that every Naira we move is fully compliant with the regulatory framework of the CBN.
What is the "Fraud Scoring" threshold?
Every transaction is assigned a score from 0-100. You can set your own "Threshold" in the dashboard; for example, you can choose to auto-decline any transaction with a risk score above 85.
Does FinovoPay support "GraphQL"?
Currently, our core API is REST-based. We prioritize REST for its reliability and ease of use across all legacy and modern engineering stacks in the Nigerian market.
Is there a limit to how many transactions I can process daily?
For Tier 3 verified merchants, there is no hard limit on the number of transactions. Total volume limits are subject to your specific business risk profile and the settlement bank’s capacity.
How do I handle a "Customer Chargeback" for a delivered item?
You should upload the "Proof of Delivery" (signed waybill or digital receipt) to the Dispute Center in your dashboard. Our team will present this to the bank to fight the chargeback on your behalf.
Can I use FinovoPay for physical POS collections?
We are primarily focused on digital/online collections. However, our "Pay with Transfer" and "QR Code" features can be used on tablets in physical stores for a contactless POS experience.
Does FinovoPay offer a Sandbox for developers?
Yes. Our Sandbox environment mirrors our Production environment exactly, allowing you to test integrations, webhooks, and error handling without any financial risk.
How do you prevent Cross-Site Scripting (XSS) on checkout?
Our checkout modal runs in a sandboxed environment (iFrame) with a strict Content Security Policy (CSP), ensuring that malicious scripts from a merchant’s site cannot access customer payment data.
Do you support "Split Settlement" to international banks?
Currently, split settlements are only supported for local commercial banks. For international payouts, the funds must first be settled into your primary USD domiciliary account.
How do I interpret "Transaction Metadata"?
Metadata allows you to pass custom arrays of data (like SKU numbers or Customer IDs). This data is returned in every webhook and API response, allowing for seamless order matching in your database.
What happens if my business license (CAC) expires?
We will notify you 30 days before your documents expire. You must upload renewed documents to avoid a temporary "Payout Hold" on your account.
Can I have multiple businesses under one FinovoPay account?
Yes. You can manage multiple "Sub-Accounts" or "Business Profiles" from a single master login, each with its own unique API keys, settlement accounts, and branding.
Do you support multi-factor authentication for API calls?
API access is secured via Secret Keys and IP Whitelisting. For dashboard access, we support 2FA via Authenticator apps to ensure that human access is as secure as machine access.
What is the "Response Timeout" for a transaction API?
The standard timeout is 60 seconds. If your server does not receive a response within this window, we recommend checking the transaction status via our "Verify Transaction" endpoint before retrying.
How do I handle "Zero-Value" settlements?
If your daily sales do not exceed the minimum settlement threshold after fees, the balance is carried forward to the next day until the threshold is met.
Can I choose between automated and manual payouts?
Yes. By default, settlements are automated (T+1). However, you can toggle "Manual Payouts" in your dashboard if you prefer to accumulate funds for specific business cycles before withdrawing.
Are Webhook deliveries encrypted?
While the payload is sent over HTTPS (TLS 1.2+), we also include a cryptographic signature in the header. This allows your server to verify that the message originated from FinovoPay and has not been tampered with.
What is the "Merchant Risk Rating"?
To maintain a healthy ecosystem, we assign risk ratings based on dispute ratios and fulfillment history. Maintaining a low dispute rate ensures faster settlement cycles and higher transaction limits.
Do you store CVV numbers for recurring payments?
No. Storing CVV/CVC codes is strictly prohibited by PCI-DSS. For recurring billing, we use secure "Tokens" provided by the card schemes, which allow for future charges without storing sensitive card data.
How does FinovoPay protect against "Brute Force" card testing?
We employ rate-limiting and pattern-recognition algorithms that detect and block automated card testing attempts before they reach the payment gateway, protecting your merchant reputation.
What is a "Late Response" from a bank switch?
Occasionally, a bank switch may take too long to respond. In these cases, we flag the transaction as "Pending" and use our auto-reconciler to verify the final status within minutes to prevent double-charging.
How does FinovoPay handle high-traffic flash sales?
Our infrastructure uses auto-scaling load balancers and a queue-based processing system. This ensures that even during massive traffic spikes, your checkout remains responsive and transactions are queued safely for authorization.
How do I issue a partial refund?
In the transaction details of your dashboard, select "Refund" and enter the specific amount. You can refund the full amount or any portion of it back to the customer.
Where can I find the system status page?
Our live system health and uptime reports for all payment switches are available at status.finovopay.com.
Do you support QR code payments?
Yes. Customers can pay by scanning a dynamic QR code generated at checkout, which is linked directly to their banking app for instant authorization.
Can I use two-factor authentication (2FA) for my team?
Yes. We strongly recommend enabling 2FA (via SMS or Authenticator App) for all team members to protect your merchant dashboard from unauthorized access.
What happens if a bank is down during settlement?
If a recipient bank is experiencing downtime, our system retries the settlement every hour. You will be notified via your dashboard if a payout is delayed by more than 4 hours.
How do I implement custom metadata?
You can pass a "metadata" object in your API request. This allows you to attach custom order IDs, customer preferences, or internal tracking codes to every transaction.
What is Tier 1 vs Tier 3 verification?
Tier 1 is for small-scale merchants with basic ID. Tier 3 is for fully incorporated companies (CAC) and offers higher transaction limits and more payout flexibility.
Does the payment modal work in WebView?
Yes. Our checkout is optimized for mobile WebViews, making it perfect for native iOS and Android apps using hybrid frameworks.
Is there a limit to the number of sub-accounts I can create?
No. Marketplaces and platforms can create an unlimited number of sub-accounts to manage their various vendors and service providers.
Do you provide on-site technical integration support?
For enterprise partners, our engineering team provides dedicated Slack channels and on-site architecture reviews to ensure a robust deployment.
How long is a Checkout session valid?
By default, a generated checkout session remains active for 30 minutes. You can customize this duration via the API depending on your business model (e.g., flash sales).
How do I generate a VAT invoice for my fees?
Your monthly fee summary and VAT-compliant invoices are generated on the 1st of every month and are available for download in the "Billing" section of your dashboard.
What version of TLS is required for API calls?
For maximum security, our gateway requires a minimum of TLS 1.2. We recommend upgrading your server environments to TLS 1.3 for optimal performance.
How do I report a suspicious transaction?
If you notice a suspicious pattern, you can "Flag" the transaction in your dashboard. Our safety unit will review it and advise on whether to proceed with fulfillment.
Are there fees for failed or abandoned transactions?
No. We only charge for successful transactions. There are zero fees for failed attempts, expired checkouts, or abandoned carts.
Can I receive settlements in USD?
USD settlements are available for merchants with verified Domiciliary accounts who process a significant volume of international transactions. Contact our finance unit for activation.
How do I test the "Declined Card" flow in Sandbox?
We provide a specific set of test card numbers that simulate various results, such as "Insufficient Funds," "Expired Card," and "Invalid PIN," to help you test your UI logic.
What is the maximum payload size for API requests?
Our REST API accepts JSON payloads up to 2MB. For larger metadata requirements, we recommend storing the data on your side and referencing it with a metadata ID.
Do you support recurring billing and subscriptions?
Yes. Our Tokenization API allows you to securely store a customer’s payment method for automated weekly, monthly, or annual subscription billing.
Can I block specific countries from paying me?
Yes. Within your security settings, you can toggle "Geographic Filtering" to accept or decline transactions originating from specific regions or IP ranges.
How does the Fraud Engine score transactions?
Our engine analyzes hundreds of data points—including IP geolocation, device fingerprinting, and behavioral patterns—to assign a risk score to every payment in real-time.
How do I handle international card currency conversion?
When an international customer pays with a global card, we handle the conversion at competitive mid-market rates. You receive the equivalent value in your local settlement currency.
What is the "T+1" settlement default?
T+1 means "Transaction Date + 1 Business Day." If you sell on Monday, the funds reach your bank account on Tuesday. Friday sales are settled on Monday.
Can I set up split payments for my vendors?
Yes. Our infrastructure allows you to automatically split a single customer payment between your business and multiple sub-accounts or vendors at the point of transaction.
How do I handle Webhook signature verification?
To ensure a notification is actually from us, we sign every webhook payload. You should verify this signature using your Secret Key to prevent "man-in-the-middle" attacks.
What is the difference between Public and Secret keys?
The Public Key is used to initiate payments in your frontend (JavaScript), while the Secret Key is used for backend server-to-server calls. Never expose your Secret Key in your client-side code.
Does the API support Idempotency?
Yes. To prevent accidental double-charging during network retries, you can send an Idempotency-Key in your header. Our system ensures the same operation is never executed twice for the same unique key.
What is the "Transaction Monitoring" requirement?
To prevent money laundering, we monitor for unusual patterns. Merchants are required to maintain clear records of their customers to assist in the rare event of a flag by the financial intelligence unit.
How does the ₦2,000 industry cap affect my fees?
Following local industry standards, transaction fees are capped at ₦2,000. This means for very large transactions, you never pay more than the cap, regardless of the percentage, saving your business significant costs.
Is FinovoPay compliant with the NDPR?
Yes. We adhere strictly to the Nigeria Data Protection Regulation (NDPR). We ensure all merchant and customer data is processed with the highest standards of privacy, encryption, and legal accountability.
Does FinovoPay offer a mobile app for merchants?
Currently, our dashboard is fully mobile-optimized for browsers. A dedicated mobile app for iOS and Android is in our 2026 roadmap.
How do I report a bug or system issue?
Please check our Status Page first. If the issue is unique to your account, open a ticket via the Contact page or email [email protected].
How do I reset my dashboard password?
Click "Forgot Password" on the login screen. We will send a secure reset link to your registered work email address.
Can I customize the look of the payment modal?
Yes, you can customize the primary color and add your business logo under Dashboard > Settings > Branding to maintain a consistent experience for your customers.
What is the best way to prevent fraudulent orders?
Enable 3DS, verify the shipping address, and use our built-in fraud scoring system. For high-value orders, we recommend manual verification before shipping.
How long do I have to respond to a chargeback?
Once a chargeback is logged, you typically have 7–10 days to provide evidence (receipts, delivery notes) before the bank makes a final decision.
What is the maximum transaction limit per customer?
Default limits vary based on the payment method. For cards, it is usually determined by the customer’s bank. You can request custom limit increases for your business by contacting support.
How do I download my monthly transaction statements?
Go to the Transactions tab in your dashboard, select your date range, and click "Export." You can download reports in CSV or PDF format for accounting.
What card types does FinovoPay support?
We support all major local and international cards including Visa, Mastercard, and Verve. We also support alternative methods like Bank Transfers and USSD.
How do I whitelist FinovoPay IP addresses?
If your server uses a firewall, you may need to whitelist our IP addresses to receive webhooks. Please check our Developer Documentation for the current list of IP ranges.
What documents are required for business verification (KYC)?
For registered businesses (CAC), we require the Certificate of Incorporation, Form CO7, a valid utility bill, and the BVN/ID of the business directors.
How do I invite team members to my dashboard?
You can add team members under Settings > Team. You can assign roles like Admin, Developer, or Support to control what they can see and do.
Is FinovoPay PCI-DSS compliant?
Yes, FinovoPay is PCI-DSS Level 1 compliant. This is the highest level of security certification in the industry, ensuring your customers’ card data is handled with maximum safety.
What is 3D Secure (3DS)?
3D Secure is an extra layer of security for online card transactions, requiring the customer to provide an OTP from their bank. FinovoPay supports 3DS by default to reduce fraud.
Why is my settlement amount different from my total sales?
The settled amount is your total sales minus the standard transaction fees (e.g., 1.5% for local cards) and any applicable VAT/taxes.
How can I change my settlement bank account?
To change your payout account, go to Dashboard > Settings > Bank Accounts. You will need to upload a bank statement or voided check for verification of the new account.
Does FinovoPay settle on weekends and public holidays?
Settlements are processed on business days (Monday to Friday). Transactions made on Friday, Saturday, or Sunday are typically settled on the following Monday.
How do I handle failed transactions in my code?
When a transaction fails, our API returns a specific error code (e.g., INSUFFICIENT_FUNDS). You should capture this response and display a user-friendly message to your customer.
What are Webhooks and why do I need them?
Webhooks are automated messages sent from FinovoPay to your server to notify you of successful payments. They are the most reliable way to update your orders in real-time.
Where do I find my API keys?
Your API keys (Secret and Public) are located in your Dashboard under Settings > API Keys. Always keep your Secret Key confidential and never share it in frontend code.
How do I upgrade my transaction limits?
To increase your daily collection limits, please upload your CAC registration documents and a valid utility bill in your Dashboard under "Compliance Settings."
Are there any hidden fees for bank transfers?
No. FinovoPay is committed to transparent pricing. We only charge the standard transaction fee (1.5% for local payments) with no maintenance or hidden bank settlement costs.
What is the difference between Test and Live mode?
Test mode (Sandbox) allows you to simulate transactions using test cards without moving real money. Live mode connects to the actual payment switches for real customer transactions.
How secure is the FinovoPay infrastructure?
FinovoPay is fully PCI-DSS Level 1 compliant. We use military-grade tokenization, meaning sensitive card data never touches your servers.
When do my funds reach my bank account?
FinovoPay operates on a standard T+1 settlement cycle for local payments. This means your earnings from today are automatically dispatched to your bank on the next business day.
How fast can I start processing real payments?
Most Nigerian businesses complete verification in under 24 hours. Once your KYC documents are approved, you can toggle your dashboard to Live Mode and start collecting funds immediately.
Still need a resolution?
Connect with our Lagos-based engineering team for direct technical consultation.