> ## 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.

# Dubu Pay: Payment Gateway & Trading API

> Dubu Pay is a multi-tenant payment gateway and trading API for businesses accepting NGN payments, issuing virtual bank accounts, and trading crypto.

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.

## 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.

<CardGroup cols={2}>
  <Card title="Quick Start" icon="rocket" href="/quickstart">
    Make your first API call and accept your first payment.
  </Card>

  <Card title="Authentication" icon="key" href="/authentication/overview">
    Learn about bearer tokens and API keys.
  </Card>

  <Card title="Payments" icon="money-bill" href="/concepts/payments">
    Understand onramps, deposits, withdrawals, and offramps.
  </Card>

  <Card title="API Reference" icon="code" href="/api-reference/overview">
    Explore every endpoint with full request and response documentation.
  </Card>
</CardGroup>

## 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) |

<Note>
  All requests must be made over HTTPS. HTTP requests will be rejected.
</Note>

## 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.