# Dubu Pay

## Docs

- [Restrict API access with IP whitelisting](https://docs.dubupay.com/account/ip-whitelist.md): Lock your Dubu Pay API credentials to specific IP addresses. Any request from an unlisted IP is rejected, even with a valid API key.
- [Merchant KYC verification for Dubu Pay](https://docs.dubupay.com/account/kyc.md): Complete KYC verification to raise your transaction limits and unlock permanent virtual accounts for your customers on Dubu Pay.
- [Complete merchant onboarding on Dubu Pay](https://docs.dubupay.com/account/onboarding.md): Submit your business application and supporting documents to verify your business and unlock full payment processing on Dubu Pay.
- [POST /auth/login — Authenticate your merchant account](https://docs.dubupay.com/api-reference/auth/login.md): Exchange your email and password for a short-lived access token and a long-lived refresh token. Use the access token to authenticate all subsequent API requests.
- [GET /auth/me — Retrieve your merchant profile](https://docs.dubupay.com/api-reference/auth/me.md): Fetch the authenticated merchant's profile, including KYC status and account details. Also covers PATCH /auth/me/password to change your account password.
- [POST /auth/refresh — Rotate your access token](https://docs.dubupay.com/api-reference/auth/refresh.md): Exchange a valid refresh token for a new access token and a new refresh token. The old refresh token is immediately invalidated after a successful rotation.
- [POST /auth/register — Create a merchant account](https://docs.dubupay.com/api-reference/auth/register.md): Register a new Dubu Pay merchant account with your business name, email, and password. A verification email is sent immediately and must be completed before you can log in.
- [Checkout Links API — generate hosted payment URLs](https://docs.dubupay.com/api-reference/checkout-links.md): Create hosted checkout pages that your customers click to pay. Supports one-time amounts, invoice-linked payments, and inline line-item checkout flows.
- [Dubu Pay API error codes and responses](https://docs.dubupay.com/api-reference/errors.md): Understand the Dubu Pay error response format, every HTTP status code the API returns, common error codes, and how to resolve the most frequent problems.
- [Invoices API — create and send payment invoices](https://docs.dubupay.com/api-reference/invoices.md): Create itemized invoices, manage line items, send invoices to customers by email, and track payment status from draft through to paid or overdue.
- [Dubu Pay REST API overview and conventions](https://docs.dubupay.com/api-reference/overview.md): The Dubu Pay REST API reference: base URL, authentication methods, response envelopes, pagination, rate limits, and sandbox vs production.
- [Customers API — manage payment customers](https://docs.dubupay.com/api-reference/payments/customers.md): Create, update, and verify customers who send or receive payments through Dubu Pay. Manage KYC tiers, balances, and transaction ledgers.
- [Deposits API — track incoming payment deposits](https://docs.dubupay.com/api-reference/payments/deposits.md): List and inspect NGN and crypto deposits received through your onramps. Simulate deposits in sandbox mode for integration testing.
- [Exchange Rates API — get NGN conversion rates](https://docs.dubupay.com/api-reference/payments/rates.md): Fetch current NGN-to-USDC and NGN-to-USDT exchange rates. Lock a rate for TEMPORARY onramps or use floating rates for PERMANENT accounts.
- [Transfers API — move funds between accounts](https://docs.dubupay.com/api-reference/payments/transfers.md): Send NGN or USD to bank accounts, manage your merchant USDT balance, and retrieve funding information for depositing into your Dubu Pay account.
- [Virtual Accounts API — issue NGN bank accounts](https://docs.dubupay.com/api-reference/payments/virtual-accounts.md): Issue temporary or permanent NGN virtual bank accounts to customers and create onramps to receive NGN deposits that settle as USDC or USDT.
- [Withdrawals & Offramps API — send funds out](https://docs.dubupay.com/api-reference/payments/withdrawals.md): Send USDT to external crypto wallets and convert USDT to NGN via offramps with direct bank payouts. Manage recipients for recurring offramps.
- [Products API — create a product catalog](https://docs.dubupay.com/api-reference/products.md): Create and manage your product catalog. Products represent the goods or services you sell and can be attached to invoices and checkout links.
- [GET /trading/balances — trading account balances](https://docs.dubupay.com/api-reference/trading/balances.md): Retrieve a breakdown of your trading account balances by asset, including available, locked, and total amounts for each currency.
- [Market Data API — orderbook, ticker, and charts](https://docs.dubupay.com/api-reference/trading/market.md): Query live market data for Dubu trading pairs: browse available pairs, fetch the live orderbook, get 24-hour ticker stats, and retrieve OHLCV candlestick data.
- [Trading Orders API — place and manage orders](https://docs.dubupay.com/api-reference/trading/orders.md): Place limit and market orders, list and filter your order history, retrieve a single order, cancel open orders, and view executed trade history.
- [Webhook Endpoints API — register event destinations](https://docs.dubupay.com/api-reference/webhooks/endpoints.md): Register URLs to receive real-time event notifications, manage endpoint settings, rotate signing secrets, test delivery, and view delivery logs.
- [Webhook event types and payload reference](https://docs.dubupay.com/api-reference/webhooks/events.md): Learn how Dubu delivers webhook events, verify request signatures with HMAC-SHA256, and browse all event types with their payload shapes and retry behavior.
- [Create and manage Dubu Pay API keys](https://docs.dubupay.com/authentication/api-keys.md): Generate long-lived API keys for server-side integrations, list active keys, revoke compromised keys, and follow security best practices.
- [Authenticate requests to the Dubu Pay API](https://docs.dubupay.com/authentication/overview.md): Dubu Pay supports two authentication methods — JWT bearer tokens for session-based access and API keys for long-lived server-side integrations.
- [Managing customers in the Dubu Pay API](https://docs.dubupay.com/concepts/customers.md): Learn how customer objects represent your end users, how KYC tiers work, and how customers connect to virtual accounts, balances, and ledger history.
- [Payments, deposits, and withdrawals in Dubu Pay](https://docs.dubupay.com/concepts/payments.md): An overview of the Dubu Pay payment flow — onramps, deposits, withdrawals, offramps, transfers, merchant balance, exchange rates, and sandbox testing.
- [Crypto trading with the Dubu Pay API](https://docs.dubupay.com/concepts/trading.md): Learn how to place and manage orders, read market data, check per-asset balances, and use trading to convert USDT earnings or speculate on fiat rates.
- [NGN virtual bank accounts in Dubu Pay](https://docs.dubupay.com/concepts/virtual-accounts.md): Understand NGN virtual bank accounts in Dubu Pay — temporary vs permanent types, deposit lifecycle, settlement modes, and how to create them.
- [Accept NGN payments with virtual bank accounts](https://docs.dubupay.com/guides/accept-payments.md): Issue NGN virtual bank accounts to your customers and track deposits as they move through the PENDING_FX → SETTLED lifecycle in Dubu Pay.
- [Generate payment links for no-code payments](https://docs.dubupay.com/guides/checkout-links.md): Create shareable Dubu Pay-hosted payment links — no frontend code required. Collect one-time payments or attach links to existing invoices.
- [Create and send invoices to your customers](https://docs.dubupay.com/guides/invoices.md): Build itemized invoices with line items, taxes, and discounts, then send them to customers by email and track payment status through to settled.
- [Receive real-time event notifications via webhooks](https://docs.dubupay.com/guides/webhooks.md): Register HTTPS endpoints, verify HMAC signatures, and handle deposit, withdrawal, and checkout events from Dubu Pay in real time.
- [Send USDT withdrawals and offramp funds](https://docs.dubupay.com/guides/withdrawals.md): Withdraw USDT to an external crypto wallet or convert funds to NGN via an offramp. Includes bank payout setup and status tracking.
- [Dubu Pay: Payment Gateway & Trading API](https://docs.dubupay.com/introduction.md): Dubu Pay is a multi-tenant payment gateway and trading API for businesses accepting NGN payments, issuing virtual bank accounts, and trading crypto.
- [Get started with Dubu Pay in minutes](https://docs.dubupay.com/quickstart.md): Register a merchant account, get your API key, create a customer, and issue a virtual bank account to start accepting NGN payments.

## OpenAPI Specs

- [openapi](https://docs.dubupay.com/api-reference/openapi.json)