No code
Payment links
Create a link in a minute and share it on WhatsApp, Instagram or by text. No website needed.
Create a linkPayment links, checkout and an API
Get paid by anyone. Straight to your bank.
Share a link, add a checkout, or build on our API. Every payment settles straight to your bank account.
Test mode is free and instant. Go live after a quick check.
Products
Three ways to get paid. One account.
Start with a link today. Add checkout or the API when you are ready. Same dashboard, same payouts.
Low code
Hosted checkout
Send customers to a fast, branded checkout from your site or app. We handle the payment page.
Add checkoutFull control
Developer API
A clean REST API, signed webhooks and a Node SDK. Test and live keys from day one.
Explore the APINGNliveMore currencies as they are switched on for your account.
Pricing
Pay only when you get paid.
One fee per payment: the processing cost plus a small DottsPay fee. Both shown, nothing hidden.
Local payments in naira
2.5% + ₦100
per successful payment
- Processing
- 1.5% + ₦100
- DottsPay fee
- 1%
- The ₦100 is waived on payments under ₦2,500.
- Processing is capped at ₦2,000 per payment.
- You choose who pays the fee: you or your customer.
- International cards are priced differently. You see the rate in your dashboard.
Fee calculator
See exactly what lands in your account.
₦
- Your customer pays
- ₦25,000.00
- FeesProcessing ₦475.00 + DottsPay ₦250.00
- ₦725.00
You receive₦24,275.00
Your customer pays ₦25,000.00. Fees ₦725.00. You receive ₦24,275.00.
Fees come out of each payment. Your customer pays the price you set.
Developers
A payments API that stays out of your way.
Amounts are integers in the smallest unit. Every response has the same shape. If you have built payments before, you will feel at home.
- Signed webhooks
- HMAC signatures on every event, with retries if your server misses one.
- Safe retries
- Idempotency keys, so a retry never charges twice.
- Test and live keys
- Build against test mode. Go live by swapping a key.
- Node SDK or plain HTTP
- Typed SDK for Node, and a REST API for any language.
import { DottsPay } from '@dottspay/node'
const dottspay = new DottsPay(process.env.DOTTSPAY_SECRET_KEY)
const session = await dottspay.checkout.create(
{
amount: 2500000, // ₦25,000 in kobo
email: 'customer@example.com',
callback_url: 'https://yourshop.com/thank-you',
},
{ idempotencyKey: 'order-1042' },
)
// Send your customer to session.checkout_urlTrust and security
Keys kept safe
Secret keys are stored hashed. Sensitive data is encrypted at rest.
Verified events
Every webhook is signed, so you know it came from us.
Straight to your bank
Your share settles to your account. We never sit on your money.
Test mode first
Nothing real moves until your business is verified and live.
Your next payment is one link away.
Sign up in minutes, test for free, and go live when your business is verified.
- 1Sign up
- 2Test instantly
- 3Go live