One checkout. Every payment provider behind it.
One API and one dashboard for all your payment providers. Your customers get a single way to pay, and you decide where each payment goes.
Your first ₦200,000 in transactions is free. No card needed.
Works with the providers you already use
Keep your existing accounts. Link them in minutes.
Paystack
Flutterwave
Monnify
Payaza
SquadCo
PalmPay Business
OPay Checkout
Coming soon
KoraPay
Nomba
dLocal
AirGate
CoralPay
Everything you need to get paid, in one place
Kwugwo sits between your business and your payment providers, so your team spends less time on payments and more time running the business.
Smart payment routing
When you configure Smart routing, each payment goes to the provider most likely to succeed based on success rate in a timeframe. If one is down, Kwugwo moves to the next without your customer noticing.
One API, one dashboard
Integrate once with a standard REST API. See every provider, transaction and refund from a single dashboard.
Webhooks for every event
Set separate webhooks for checkouts, refunds and double charges, so each of your systems hears only what it needs.
Checkout you control
Choose exactly which payment methods your customers see, per product or per page.
Routing workflows
Build rules by amount, payment method or bank in a visual editor. No code needed.
And lots more
Payouts, refunds and chargeback handling, provider passthrough and team roles are all included.
Live in three steps
No new bank accounts, no switching providers. Kwugwo works on top of what you already have.
- 1
Create your free account
Sign up in two minutes. Your first ₦200,000 in transactions costs nothing, and we never ask for a card.
- 2
Link your payment providers
Add your Paystack, Flutterwave, OPay or other provider keys. Your accounts and settlements stay exactly as they are.
- 3
Add one checkout
Drop in the Pay with Kwugwo button or call our API. From then on, Kwugwo routes every payment.
Try a test payment
This runs on our sandbox, so no real money moves. Change the amount and watch Kwugwo choose a provider.
What Kwugwo will do
Ready when you arePaystackBank transfer, first choicePayazaBackup if the first choice failsEach step of your test payment will show up here.
How the sandbox routes payments
- ₦200 to ₦9,999: Bank transfer goes to Paystack, with Payaza as backup.
- ₦10,000 to ₦20,000: USSD goes to Flutterwave.
- ₦20,000 to ₦49,000: Bank transfer goes to Flutterwave, with Paystack as backup. USSD goes to Flutterwave.
- Above ₦49,000, email contains "test": Bank transfer goes to SquadCo. USSD goes to Flutterwave.
- Above ₦49,000: Bank transfer goes to Payaza, with Paystack as backup. USSD goes to Flutterwave.
Integrate once. Take payments through every provider.
Drop in our checkout with a few lines of JavaScript, or build your own with the REST API. Your developers write the integration once, and you add or switch providers from the dashboard.
- A 5 KB checkout SDK. No framework needed.
- Card and bank details never touch your site, so you stay out of PCI scope.
- One REST API for every provider you link.
- Signed webhooks, plus separate sandbox and live keys.
// Create a payment request (an ugwo)const ugwo = await fetch('https://api.kwugwo.africa/v1/ugwo', { method: 'POST', headers: { Authorization: `Bearer ${process.env.KWUGWO_SECRET_KEY}`, 'Content-Type': 'application/json', }, body: JSON.stringify({ amount: 500000, // ₦5,000 in kobo currency: 'NGN', ref: 'order_4719', }),}).then((r) => r.json()); // Send ugwo.uid to your pagePay only when you get paid
No setup fees and no monthly bills. Start free, then choose the plan that fits your volume. Prepaid allowances never expire.
Free trial New
₦200,000 of transactions, free
Everything in the SME plan. No card needed. Upgrade whenever you are ready.
Swipe to compare plans.
NewUsing just one provider? Pay a flat 0.1%.
Plan rates apply once you link two or more providers. With one provider, every transaction costs 0.1%. This rate does not apply to the free trial.
The people behind Kwugwo
We have built payment systems for Nigerian businesses and know where they break. Kwugwo is the tool we wanted to have.
Questions, answered
Cannot find what you need? Our team replies within one working day.
Talk to our teamIt means one system manages all your payment providers for you. Kwugwo sends each payment to a provider using the workflow you set, tries another if one fails, and gives you one place to see everything.
Need more information or support? Our blog has guides and answers: kwugwo.africa/blog.
Stop juggling payment providers. Start running your business.
Set up in minutes. Your first ₦200,000 in transactions is on us.
