INSTITUTIONAL FINANCIAL OPERATING SYSTEM

The Autonomous Financial Rail for Modern Global Commerce

Slikpay delivers developer-native infrastructure for digital payments, Central Bank NIBSS Instant (NIP) settlements, programmatic virtual NUBAN accounts, multi-currency treasury vaults, wholesale NDC flight issuance, and zero-code drop-in checkouts. Engineered with 99.99% uptime SLA, sub-second latency, and bank-grade ISO 20022 compliance.

LIVE PRODUCTION BASE URL REAL MONEY

https://api.slikpay.online/v1

Authenticated via sk_live_... keys for real-world disbursements, virtual accounts, and acquiring.

SANDBOX SIMULATION BASE URL TESTING

https://api.slikpay.online/v1

Safe sandbox environment using sk_test_... keys with instant faucet funds and simulated NIP webhooks.

EXPLORE THE FINANCIAL RAILS Click any rail to jump directly ↓

1-Line SDK Drop-in modal checkout

Virtual NUBAN Instant NIP accounts

NDC Flights 450+ carriers & 24h void

Cards Fleet Instant Visa/Mastercard

NFC SoftPOS NTAG 424 DNA tap

Vaults & FX USDT, USDC & global FX

UNIVERSAL DROP-IN ONE LINE OF CODE

⚡ Integrate Checkout in Just One Line of Code

Zero dependencies, zero build steps. Embed a single <script> tag into any HTML webpage, button container, or eCommerce form. Slikpay dynamically renders a sleek branded payment button, launches a secure checkout modal, and accepts cards, instant bank transfers, USSD, and OPay with automatic settlement verification.

Interactive 1-Line SDK Builder

Configure parameters below to customize your 1-line script tag and test live checkout in real time.

Public Key (data-key)

Amount (data-amount)

Currency (data-currency)

Customer Email (data-email)

<script src="https://api.slikpay.online/v1/inline.js" 
  data-key="pk_live_944343185e794be6af7079d5" 
  data-amount="5000" 
  data-currency="NGN" 
  data-email="customer@slikpay.online" 
  data-button-text="Pay with Slikpay (₦5,000)">
</script>

<form action="/order-confirmation" method="POST">
  <input type="hidden" name="cart_id" value="order_1092" />
  <script src="https://api.slikpay.online/v1/inline.js"
    data-key="pk_live_944343185e794be6af7079d5"
    data-amount="5000"
    data-currency="NGN"
    data-email="buyer@brand.com">
  </script>
</form>

<button onclick="Slikpay.openCheckout({
  key: 'pk_live_944343185e794be6af7079d5',
  amount: 5000,
  currency: 'NGN',
  email: 'customer@slikpay.online',
  onSuccess: (tx) => console.log('Paid successfully:', tx),
  onClose: () => console.log('Checkout dismissed')
})" class="btn-primary">
  Complete Checkout
</button>
<script src="https://api.slikpay.online/v1/inline.js"></script>

import { useEffect } from 'react';

export default function PayButton({ amount, email }) {
  useEffect(() => {
    const s = document.createElement('script');
    s.src = 'https://api.slikpay.online/v1/inline.js';
    s.async = true;
    document.body.appendChild(s);
  }, []);

  const handlePay = () => {
    window.Slikpay?.openCheckout({
      key: process.env.NEXT_PUBLIC_SLIKPAY_KEY,
      amount,
      currency: 'NGN',
      email,
      onSuccess: (tx) => alert('Payment complete: ' + tx.reference)
    });
  };

  return <button onClick={handlePay}>Pay with Slikpay</button>;
}

// Server-Side Verification (Express / Node.js)
const axios = require('axios');

app.get('/verify-order/:reference', async (req, res) => {
  const { reference } = req.params;
  const { data } = await axios.get('https://api.slikpay.online/v1/checkout/verify/' + reference, {
    headers: { Authorization: `Bearer ${process.env.SLIKPAY_SECRET_KEY}` }
  });

  if (data.success && data.data.status === 'SUCCESS') {
    // Fulfill goods, grant access or credit balance
    return res.json({ status: 'FULFILLED', transaction: data.data });
  }
  return res.status(400).json({ error: 'Payment not completed' });
});

ARCHITECTURE CORE DESIGN

System Architecture & Quickstart

Slikpay operates an autonomous ledger model where every merchant organization receives an atomic primary treasury float along with an elastic fleet of programmatic sub-accounts, customer virtual NUBANs, multi-currency wallets (NGN, USD, EUR, GBP), and TRC-20 / Solana stablecoin vaults.

1. Authentication

Generate your API keys in the Merchant Console. Use pk_live_... client-side and sk_live_... on your secure backend.

2. Payment Orchestration

Accept checkouts, provision dedicated NUBANs, or charge saved tokens. All flows credit your atomic treasury float instantly.

3. Asynchronous Settlement

Listen for HMAC-SHA256 signed webhooks to automatically verify settlements, disburse vendor payouts, or fulfill digital orders.

AUTHENTICATION BEARER HEADERS

Authentication & Developer Secret Keys

Authenticate requests by providing your Secret API key in the standard HTTP Authorization header. All private BaaS endpoints, disbursements, flight bookings, and account issuance require server-to-server secret keys.

HTTP / CODE

# Server-Side Authorization Header
Authorization: Bearer sk_live_944343185e794be6af7079d5
Content-Type: application/json
X-Request-Id: req_prod_1793049920

ENVIRONMENTS BASE URLS & REGIONS

Base URLs & Multi-Cloud Corridors

Slikpay maintains production gateway clusters with automated edge geo-routing across African, European, and US cloud availability zones.

Environment	Base URL	Key Prefix	SLA / Status
Live Production	https://api.slikpay.online/v1	sk_live_... / pk_live_...	99.99% Operational
Sandbox Simulation	https://api.slikpay.online/v1	sk_test_... / pk_test_...	Active Testnet

SECURITY HMAC-SHA256 SIGNED EVENTS

Real-Time Webhooks & HMAC-SHA256

Slikpay dispatches asynchronous HTTP POST requests to your configured webhook URL upon settlement events (charge.success, transfer.completed, virtual_account.credited, flight.ticketed). Every payload is cryptographically signed with your webhook secret in the x-slikpay-signature-v1 header.

HTTP / CODE

// Verify Webhook Signature (Node.js / Express)
const crypto = require('crypto');

function verifySlikpaySignature(rawBody, signatureHeader, secret) {
  const computed = crypto.createHmac('sha256', secret).update(rawBody).digest('hex');
  return crypto.timingSafeEqual(Buffer.from(computed), Buffer.from(signatureHeader));
}

ERROR HANDLING STANDARD HTTP & REST CODES

Deterministic Error Codes & HTTP Fault Handling

All responses adhere strictly to standard HTTP status codes and return deterministic JSON error objects.

HTTP Code	Error Key	Resolution Guidance
400 Bad Request	INVALID_PAYLOAD	Missing required parameters (e.g., amount, currency, email).
401 Unauthorized	INVALID_API_KEY	Missing or revoked Bearer key in HTTP Authorization header.
402 Payment Required	INSUFFICIENT_FUNDS	Treasury float insufficient to cover outbound transfer or card issuing fee.
404 Not Found	RESOURCE_NOT_FOUND	Reference, transaction ID, or virtual account not found in current ledger.
429 Rate Limited	TOO_MANY_REQUESTS	Exceeded 1,000 req/sec limit per merchant IP. Back off and retry.

PAYMENT GATEWAY CHECKOUT ORCHESTRATION

Initialize Checkout Session & Dynamic Ingress

Initialize an omnichannel payment session for web, mobile apps, or headless eCommerce. Generates a unique transaction reference and checkout URL.

POST /v1/checkout/initialize Copy URL

PAYLOAD

{
  "amount": 15000,
  "currency": "NGN",
  "email": "customer@slikpay.online",
  "channels": ["card", "bank_transfer", "ussd", "opay"],
  "callbackUrl": "https://merchant.slikpay.online/callback",
  "metadata": { "orderId": "ORD_99182" }
}

PAYMENT GATEWAY VERIFICATION ENGINE

Verify Transaction Status & Instant Confirmation

Query real-time status of any checkout or payment reference. Confirms settlement float crediting and bank payment authorization.

GET /v1/checkout/verify/:reference Copy URL

PAYLOAD

{
  "success": true,
  "data": {
    "reference": "slik_94434318_17930",
    "status": "SUCCESS",
    "amount": 15000,
    "currency": "NGN",
    "channel": "bank_transfer",
    "settledAt": "2026-10-26T22:15:30.000Z"
  }
}

PAYMENT GATEWAY INSTANT REVERSALS

Process Instant Refund & Direct Float Reversal

Issue automated full or partial chargeback refunds directly back to the originating bank account or card with zero manual paperwork.

POST /v1/checkout/refund Copy URL

PAYLOAD

{
  "reference": "slik_94434318_17930",
  "amount": 15000,
  "reason": "Customer requested order cancellation"
}

BAAS CORE NIBSS INSTANT RAILS

Issue Dedicated Customer Virtual NUBAN

Dynamically provision dedicated Sterling Bank, Wema Bank, or GTBank NUBAN accounts for your customers, merchants, or internal pockets via API. Inbound NIP bank transfers credit your corporate treasury float instantly and trigger signed webhooks.

POST /v1/accounts/virtual • Alias: /v1/subaccounts

PAYLOAD

{
  "success": true,
  "message": "Dedicated virtual account provisioned successfully.",
  "data": {
    "id": "va_94434318_7946436244",
    "accountNumber": "7946436244",
    "bankName": "Wema Bank",
    "bankCode": "035",
    "accountName": "ACME GLOBAL / Slikpay BaaS",
    "currency": "NGN",
    "status": "ACTIVE",
    "subAccountId": "6ad89db6f8655727b9bd2f64",
    "createdAt": "2026-10-26T21:40:00.000Z"
  }
}

ACCOUNTS REGISTRY INQUIRY

Query Customer Sub-Accounts & Balance Ledger

Retrieve the full list of all dedicated customer virtual bank accounts, sub-merchant accounts, and crypto vaults provisioned under your corporate API credentials.

GET /v1/subaccounts • Alias: /v1/accounts/virtual

BAAS RAILS CENTRAL BANK NIP RESOLUTION

Bank Directory & NIP Name Enquiry

Look up commercial banks, MFBs, and payment service banks (PSBs) across Nigeria, and resolve account beneficiary legal names in real-time before initiating payouts.

GET /v1/banks/resolve?bankCode=035&accountNumber=7946436244 Copy URL

PAYLOAD

{
  "success": true,
  "data": {
    "accountNumber": "7946436244",
    "accountName": "SLIKPAY SETTLEMENT HOLDINGS",
    "bankCode": "035",
    "bankName": "Wema Bank"
  }
}

DISBURSEMENTS NIBSS INSTANT RTGS

Execute Instant Outbound NIP Transfer

Broadcast a real-time Central Bank NIP payout to any commercial bank, microfinance institution, or mobile money operator across Nigeria with T+0 instant clearing.

POST /v1/payouts Copy URL

PAYLOAD

{
  "amount": 250000,
  "destinationBankCode": "000013", // GTBank
  "destinationAccountNumber": "0123456789",
  "narration": "Supplier Invoice Settlement #9021",
  "reference": "payout_slik_889210"
}

PAYROLL BATCH CLEARING

Bulk Batch Disbursements & Automated Payroll

Disburse up to 10,000 automated NIP transfers simultaneously in a single atomic batch payload with real-time progress callbacks and failure recovery.

POST /v1/payouts/bulk Copy URL

DISBURSEMENTS SESSION INQUIRY

Payout Reference Inquiry & Session Status

Check settlement status, NIP Session ID, destination beneficiary response, and confirmation timestamps for any outbound disbursement.

GET /v1/payouts/status/:reference Copy URL

CROSS-BORDER MULTI-CURRENCY RAILS

Multi-Currency Global Accounts & Foreign Domiciliary

Access programmatic foreign accounts (USD, EUR, GBP, KES, GHS) with instant conversion into local settlement float.

POST /v1/accounts/global Copy URL

CRYPTO TREASURY USDT / USDC ON-CHAIN

USDT & USDC Stablecoin Vaults

Generate dedicated TRON (TRC-20) and Solana/EVM deposit addresses for programmatic stablecoin collections and instant auto-conversion to fiat.

POST /v1/crypto/address Copy URL

TREASURY FX REAL-TIME INSTITUTIONAL RATES

Real-Time FX Rates & Multi-Currency Swaps

Query live mid-market exchange rates and execute sub-second treasury swaps between NGN, USD, GBP, EUR, and USDT.

GET /v1/fx/rates?base=USD"e=NGN Copy URL

CARDS MASTERCARD & VISA

Instant Virtual Card Issuance (USD & NGN)

Issue high-limit virtual Mastercard or Visa cards in real time for digital subscriptions, SaaS advertising spend, and corporate travel.

POST /v1/cards/create Copy URL

CARDS CONTROLS SECURITY & VELOCITY LIMITS

Funding, Freeze/Unfreeze & Spend Velocity

Programmatically fund cards from corporate treasury, freeze cards instantly on suspicion of compromise, and set MCC merchant category restrictions.

PATCH /v1/cards/:cardId/status Copy URL

HARDWARE NFC NTAG 424 DNA

Smart Tags & Contactless SoftPOS Engine

Integrate Slikpay Smart Tags. Contactless NFC hardware encrypted with AES-128 cryptographic SUN keys. Customers tap their smartphones against the tag to authorize zero-friction payments.

POST /v1/smart-tags/provision Copy URL

UTILITIES VTU RAILS

Automated Airtime & Mobile Data Top-Up

Instant VTU vending across MTN, Airtel, Glo, and 9mobile networks with direct wholesale aggregator margins.

POST /v1/bills/airtime Copy URL

UTILITIES DISCO POWER METER

Prepaid Electricity (All Nigerian DisCos)

Validate meter numbers and vend prepaid electricity tokens for IKEDC, EKEDC, AEDC, IBEDC, PHED, EEDC, and KEDCO.

POST /v1/bills/power Copy URL

UTILITIES PAY-TV SUBSCRIPTIONS

Cable TV Renewal (DSTV, GOTV, Startimes)

Instantly renew satellite pay-TV subscriptions, query smartcard customer names, and upgrade packages programmatically.

POST /v1/bills/cable Copy URL

UTILITIES GOVERNMENT & REMITA RRR

Remita RRR & Statutory FIRS Tax Ingestion

Look up and liquidate 12-digit Remita Retrieval Reference (RRR) invoices for MDA statutory payments, federal taxes, and customs duties.

POST /v1/bills/remita Copy URL

COMPLIANCE KYB REGISTRY

CAC Corporate Registry & KYB Live Verification

Verify company registration RC numbers, beneficial ownership, active status, and corporate address via official CAC registry records in real time.

POST /v1/identity/cac Copy URL

IDENTITY INTELLIGENCE CENTRAL NIBSS BVN & NIMC NIN

BVN & NIN Verification & Biometric Match

Authenticate 11-digit Bank Verification Numbers (BVN) and National Identity Numbers (NIN) with biometric facial match scoring and date-of-birth validation.

POST /v1/identity/bvn Copy URL

2FA VERIFICATION SMS & VOICE DUAL RAIL

Dual-Channel SMS & Voice OTP Service

Dispatch high-priority 6-digit one-time passwords via SMS with automated fallback to text-to-speech voice call for resilient 2FA authorization.

POST /v1/otp/send Copy URL

FLIGHT BOOKING IATA / GDS & WHOLESALE NDC RAILS

Flight Search & Wholesale NDC/IATA Inventory

Search real-time domestic, regional, and international flight inventory across 400+ airlines with instant wholesale seat pricing, baggage rules, and cabin class options.

GET /v1/flights?origin=LOS&destination=LHR&departureDate=2026-11-15&cabin=economy Copy URL

PAYLOAD

{
  "success": true,
  "data": {
    "searchId": "srch_881920391",
    "offers": [
      {
        "id": "off_royal_air_maroc_01",
        "airline": "Royal Air Maroc",
        "airlineCode": "AT",
        "logoUrl": "https://images.kiwi.com/airlines/64/AT.png",
        "flightNumber": "AT554",
        "origin": "LOS",
        "destination": "LHR",
        "departureTime": "2026-11-15T06:45:00Z",
        "arrivalTime": "2026-11-15T18:20:00Z",
        "price": { "amount": 985000, "currency": "NGN" },
        "cabin": "Economy",
        "baggage": "2 x 23kg"
      }
    ]
  }
}

FLIGHT TICKETING INSTANT E-TICKET & PNR ISSUANCE

Book Order & Issue E-Tickets (Instant PNR)

Book selected flight offers, deduct wholesale funds atomically from the corporate treasury float, and issue valid airline PNR e-tickets in seconds.

POST /v1/flights/orders Copy URL

PAYLOAD

{
  "offerId": "off_royal_air_maroc_01",
  "travelers": [
    {
      "title": "MR",
      "firstName": "Tunde",
      "lastName": "Adeyemi",
      "dateOfBirth": "1990-05-12",
      "passportNumber": "A09823194",
      "nationality": "NG"
    }
  ]
}

IATA COMPLIANCE 24-HOUR SAME-DAY VOID

24h Instant IATA Ticket Void & Auto-Refund

Exercise standard IATA 24-hour void window rules to immediately cancel eligible tickets without airline penalty charges and reverse funds to float.

POST /v1/flights/orders/:orderId/void Copy URL

TRAVEL CRM PASSENGER NAME RECORD (PNR) REPOSITORY

Saved Traveler Profiles & Frequent Flyer Management

Store and retrieve frequent passenger profiles, passport expiration dates, and frequent flyer numbers for 1-click booking checkout.

GET /v1/flights/travelers Copy URL

SECURITY SHIELD CIDR IP ENFORCEMENT

CIDR IP Whitelist Shield & Perimeter Defense

Lock down API disbursements and BaaS operations strictly to trusted merchant server IP ranges. Any request originating outside the whitelist is automatically rejected at the gateway firewall.

POST /v1/security/ip-whitelist Copy URL

GOVERNANCE LEAST-PRIVILEGE RBAC

Scoped Developer Keys & Granular Role RBAC

Provision granular, scoped API keys restricted strictly to read-only operations, specific corridors (e.g., BaaS-only, Flights-only, or acquiring-only), preventing catastrophic blast radius.

POST /v1/security/keys Copy URL

TEST SUITE INSTANT ZERO-CONFIG TESTBED

⚡ Interactive Live API Runner

Execute real queries directly against Slikpay's live production or sandbox endpoints straight from your browser.

HTTP Method

Endpoint Path

Target: https://api.slikpay.online