Dubu Pay gives businesses a single API to accept Nigerian Naira payments, convert fiat to crypto, manage customer funds, and trade on live crypto markets. Whether you’re building a fintech product, a marketplace, or a payment-enabled SaaS, Dubu Pay handles the payment infrastructure so you can focus on your product.Documentation Index
Fetch the complete documentation index at: https://docs.dubupay.com/llms.txt
Use this file to discover all available pages before exploring further.
What is Dubu Pay?
Dubu Pay is a Business API — you integrate it into your backend to power payments for your customers. When a merchant integrates Dubu Pay, they get:- NGN virtual bank accounts — Issue real Nigerian bank account numbers to customers. When they transfer money in, Dubu Pay automatically converts it to USDT and credits the merchant.
- Fiat-to-crypto onramps — Accept NGN deposits and settle in USDT or USDC.
- Withdrawals and offramps — Send USDT to crypto wallets or convert back to NGN via bank transfer.
- Crypto trading — Access live orderbooks and trade USDT-NGN, USDC-NGN, and USD-NGN pairs.
- Invoicing — Create and email itemized invoices to customers.
- Checkout links — Generate hosted payment pages without writing frontend code.
- Webhooks — Receive real-time events for every payment, deposit, and trade.
How it works
Dubu Pay is organized around merchants (your business) and customers (your end users). As a merchant, you authenticate with the API, manage your customers, issue them payment accounts, and track all transactions in your dashboard.Quick Start
Make your first API call and accept your first payment.
Authentication
Learn about bearer tokens and API keys.
Payments
Understand onramps, deposits, withdrawals, and offramps.
API Reference
Explore every endpoint with full request and response documentation.
API basics
| Property | Value |
|---|---|
| Base URL | https://api.dubupay.com/api/v1 |
| Protocol | HTTPS only |
| Request format | JSON (Content-Type: application/json) |
| Authentication | Bearer token or X-Api-Key header |
| Rate limit | 100 requests/minute (stricter on auth endpoints) |
All requests must be made over HTTPS. HTTP requests will be rejected.
Environments
Dubu Pay provides sandbox and production environments. Use sandbox for development and testing — the API key format distinguishes them:dubu_sk_test_... for sandbox and dubu_sk_live_... for production.
When testing in sandbox mode, use POST /payments/sandbox/deposits to simulate incoming NGN deposits without moving real money.