IcadPay

Payment Gateway

Accept online payments on your website or app

The IcadPay Payment Gateway lets merchants accept cards, bank transfers, and USSD payments from customers across Nigeria — with fast settlement and a simple integration.

1How to integrate

Get your checkout live in four steps:

  • Create a merchant account and complete business verification
  • Retrieve your live API keys from the merchant dashboard
  • Embed our pre-built checkout widget with a few lines of code, or use the full API
  • Configure your webhook URL to receive real-time payment notifications

Most developers complete a basic integration in under 30 minutes using our quickstart guide.

2Supported payment methods

  • Debit cards — Visa, Mastercard, Verve
  • Bank transfer (instant payment via account number)
  • USSD — works without internet on all mobile networks
  • IcadPay wallet balance

3Fees and settlement

  • Transaction fee: 1.5% per successful transaction (capped at ₦2,000)
  • International cards: 3.5% + ₦100 per transaction
  • Settlement period: T+1 business day for standard accounts
  • Same-day settlement available on Business and Enterprise plans
  • No monthly fees or setup charges

All fees are deducted from the settlement amount. Your customers are never charged fees directly unless you choose to pass them on.

4Chargebacks and disputes

If a customer disputes a charge:

  • You will receive an email notification from our disputes team
  • Log in to the merchant dashboard and navigate to Disputes
  • Submit your evidence (order records, delivery proof) within 7 days
  • Our team reviews the case and notifies you of the outcome within 5 business days

Frequently Asked Questions

Common questions about payment gateway

Yes. Use your sandbox API keys to process test transactions. Test card numbers are provided in our documentation. No real money is moved in sandbox mode.

The IcadPay Payment Gateway currently supports Nigerian Naira (NGN). Multi-currency support is on our roadmap — contact sales if you have an urgent multi-currency requirement.

Yes. You can add your logo, set a primary colour, and include a custom description through the dashboard. Alternatively, use our API to build a fully custom checkout experience.

Use our tokenisation feature to save a customer's card details securely (with their consent). You can then charge the token on any future date without requiring the customer to re-enter their card details.

The customer will see a clear error message explaining why the payment failed (insufficient funds, incorrect card details, etc.) and can retry. No funds leave the customer's account on a failed transaction.

After submitting your business verification documents, review typically takes 1–2 business days. Once approved, your live keys are activated immediately and you can start accepting payments.

Still have questions?

Our support team is available every day from 8 am to 10 pm.

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