Payments for modern businesses

Receive payments quickly, efficiently and securely

Pacept lets your business collect payments with hosted checkout and payment links, then automatically pays you out — no hassles, no heavy lifting. Go live in minutes.

Start accepting payments Explore the API

Bank-grade security · No setup fees · Cancel anytime

Total revenue

₦ 4,820,500.00

Payments today

₦ 312,000

Next payout

Tomorrow

Adaeze O.+₦ 25,000

Bloom Stores+₦ 120,000

Tunde A.+₦ 8,500

Trusted by ambitious teams building the future of commerce

NorthwindBloomstoreLumenPaystack-readyVantage

Everything you need to get paid

One platform for collections and payouts

From a single payment link to a full API integration — Pacept handles the entire money movement lifecycle so you can focus on your business.

Hosted checkout

A beautiful, secure checkout page your customers can trust — card and bank transfer, ready out of the box.

Payment links

Create a shareable payment link in seconds. No code, no website required — send it anywhere and get paid.

Automated payouts

Every payment you collect is settled and automatically scheduled for payout the next day. No manual work.

Subaccounts

Split and route settlements across multiple parties — perfect for marketplaces and platforms.

Developer API

A clean, well-documented REST API with API keys, signed webhooks, and merchant references. Integrate in minutes.

Dashboard & insights

Track revenue, deposits, and payouts in real time with a modern dashboard built for clarity.

How it works

Get paid in three simple steps

No complex onboarding. Create, collect, and get settled — Pacept does the rest.

Create a payment

Generate a payment link or checkout URL from your dashboard or the API — set the amount and your reference.

Your customer pays

They pay securely by card or bank transfer on a hosted checkout, and you're notified instantly via webhook.

Get paid out

Payments are bundled and automatically paid out to your bank the next day. Reconcile with your own references.

Built for developers

A payments API you'll actually enjoy

Authenticate with an API key, create a checkout in one call, and receive signed webhooks for every event. Track everything with your own merchant references.

One-call checkout. Create a hosted payment URL with a single POST request.
Signed webhooks. Verify every event with HMAC-SHA256 and never miss a payment.
Query & reconcile. Look up transactions and collections by your own reference.

create-payment.sh

$ curl -X POST https://api.pacept.ng/v1/payments \
  -H "Authorization: Bearer sk_live_…" \
  -d '{        "amount": 25000,        "currency": "NGN",        "title": "Order #5567",        "customerEmail": "[email protected]",        "merchantReference": "ORD-5567"      }'

# → { "reference": "COL-…",#     "checkoutUrl": "https://checkout.pacept.ng/…" }

security

// Every payload is encrypted &// verified end-to-end

encrypt(card)   → RSA-OAEP + AES-GCM
sign(webhook)  → HMAC-SHA256
verify(x-pacept-signature)

✓ PCI-conscious card handling
✓ No raw card data stored
✓ Idempotent, replay-safe

Security first

Your money and data, protected

Security isn't a feature we bolt on — it's the foundation. Sensitive data is encrypted end-to-end and every webhook is cryptographically signed.

End-to-end encryption. Card details are encrypted in the browser and never touch our logs.
Signed, verifiable webhooks. Confirm authenticity with your webhook secret on every event.
Compliance-ready. Built-in business verification (KYC) so you can go live with confidence.

Found a vulnerability? Report it to [email protected] — we investigate every report.

99.9%

Platform uptime

< 2 min

To your first payment link

Next-day

Automatic settlements

24/7

Payment monitoring

Start accepting payments today

Create your account, complete verification, and share your first payment link in minutes.

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