Modern Payment Infrastructure for African Businesses

Generate virtual accounts, sell airtime & data, accept payments, and scale your business with developer-first APIs.

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No setup fees Instant onboarding 99.9% uptime
Bridgenetic payment infrastructure illustration showing API connections, virtual accounts, and developer tools

₦B+

Processed

K+

Virtual Accounts

+

Businesses

%

API Uptime

Everything You Need to Accept & Make Payments

Powerful features built for modern African businesses. From virtual accounts to bill payments with cashback, we've got you covered.

Dedicated Virtual Accounts

Generate unique bank accounts for each customer to receive payments directly.

Real-time Webhooks

Get instant HTTP notifications when payments arrive or transactions update.

Merchant Wallets

Manage funds with built-in wallet ledgers, balances, and settlement controls.

Instant Payment Detection

Detect incoming transfers within seconds and credit customer accounts fast.

Automated Settlements

Schedule automatic payouts to your bank account on your terms.

REST APIs

Clean, well-documented RESTful endpoints for every payment operation.

Secure Infrastructure

Enterprise-grade encryption and security protocols protect every transaction.

Transaction Monitoring

Track all payments in real-time with detailed logs and analytics dashboards.

Bill Payments & VAS

Sell airtime, data, electricity, cable TV and more via API or dashboard with instant cashback rewards.

Hosted Checkout

Accept card, bank transfer and mobile payments with a pre-built checkout page — no coding needed.

Built for Developers

Integrate payment infrastructure into your application with clean, predictable APIs designed for developer productivity.

  • RESTful API Endpoints

    Well-structured endpoints for payments, accounts, and transactions with consistent JSON responses.

  • Webhook Notifications

    Real-time event delivery to your server with signed payloads and automatic retries.

  • Virtual Account Management

    Create and manage dedicated bank accounts programmatically for each customer.

  • API Key Authentication

    Secure Bearer token auth with scoped permissions and easy key rotation.

api-request.json
POST /api/v1/virtual-accounts/create

// Request Body

{

"customer_reference": "CUS-2024-001",

"bank_code": "035",

"account_name": "John Doe",

"currency": "NGN",

"webhook_url": "https://yourapp.com/webhooks"

}

// Response (201 Created)

{

"status": "success",

"data": {

"account_number": "0123456789",

"bank_name": "Wema Bank",

"account_name": "John Doe",

"is_active": true

}

}

How It Works

Get started in minutes with a simple four-step integration process.

1

Integrate API

Connect your application using our RESTful API with clear docs and SDKs in minutes.

2

Create Virtual Accounts

Generate dedicated bank accounts for each customer with a single API call.

3

Customers Transfer

Your customers send money to their assigned virtual accounts via bank transfer.

4

Instant Notifications

Receive real-time webhook alerts the moment a payment lands in any account.

New

WHMCS Integration

Running a hosting business on WHMCS? Install our official module to accept payments and let your customers fund their accounts via dedicated virtual bank accounts.

  • Hosted Checkout for invoice payments
  • Virtual account funding (auto-credit balance)
  • Automatic webhook confirmation
  • 5-minute installation, no coding required
Download WHMCS Module
Fund Your Account
Bank Wema Bank
Account Number 9907083132
Account Name John Doe

Transfer any amount • Auto-credited instantly

Built for Every Industry

From betting platforms to digital services, Bridgenetic powers payments across Africa's fastest-growing sectors.

Betting

VTU

Wallet Apps

Ecommerce

Gaming

Digital Services

Integrate in Minutes

Choose your language and start accepting payments with just a few lines of code.

$ch = curl_init();

curl_setopt_array($ch, [

CURLOPT_URL => "https://bridgenetic.com/api/v1/virtual-accounts/create",

CURLOPT_POST => true,

CURLOPT_RETURNTRANSFER => true,

CURLOPT_HTTPHEADER => [

"Authorization: Bearer sk_live_your_api_key",

"Content-Type: application/json"

],

CURLOPT_POSTFIELDS => json_encode([

"customer_reference" => "CUS-2024-001",

"bank_code" => "035",

"account_name" => "John Doe"

])

]);

$response = curl_exec($ch);

curl_close($ch);

const response = await fetch(

"https://bridgenetic.com/api/v1/virtual-accounts/create",

{

method: "POST",

headers: {

"Authorization": "Bearer sk_live_your_api_key",

"Content-Type": "application/json"

},

body: JSON.stringify({

customer_reference: "CUS-2024-001",

bank_code: "035",

account_name: "John Doe"

})

}

);

const data = await response.json();

import requests

response = requests.post(

"https://bridgenetic.com/api/v1/virtual-accounts/create",

headers={

"Authorization": "Bearer sk_live_your_api_key",

"Content-Type": "application/json"

},

json={

"customer_reference": "CUS-2024-001",

"bank_code": "035",

"account_name": "John Doe"

}

)

data = response.json()

Complete API Example

A full request and response example you can copy and run directly from your terminal.

terminal

# Create a virtual account

curl -X POST https://bridgenetic.com/api/v1/virtual-accounts/create \

-H "Authorization: Bearer sk_live_your_api_key" \

-H "Content-Type: application/json" \

-d '{

"customer_reference": "CUS-2024-001",

"bank_code": "035",

"account_name": "John Doe",

"currency": "NGN"

}'

# Response (201 Created)

{

"status": "success",

"message": "Virtual account created successfully",

"data": {

"id": "va_abc123def456",

"account_number": "0123456789",

"bank_name": "Wema Bank",

"account_name": "John Doe",

"customer_reference": "CUS-2024-001",

"currency": "NGN",

"is_active": true,

"created_at": "2024-01-15T10:30:00Z"

}

}

Enterprise-Grade Security

Your transactions are protected by multiple layers of security infrastructure built for financial services.

Encrypted Transactions

End-to-end AES-256 encryption on all payment data in transit and at rest.

Secure Webhooks

HMAC-signed payloads with timestamp verification prevent tampering.

PCI-ready Infrastructure

Infrastructure designed to meet PCI DSS compliance standards.

Fraud Monitoring

Real-time anomaly detection flags suspicious activity instantly.

Audit Logs

Complete audit trail for every API call, login, and transaction event.

99.9% Uptime

Redundant infrastructure with failover ensures high availability.

Trusted by Merchants Across Africa

Hear from businesses that have transformed their payment operations with Bridgenetic.

Frequently Asked Questions

Find answers to common questions about Bridgenetic's payment infrastructure and how it works for your business.

Bridgenetic generates unique bank account numbers for each of your customers through our banking partners. When a customer transfers funds to their assigned virtual account, we detect the deposit in real-time and notify your application via webhooks. This eliminates manual reconciliation and enables instant payment confirmation.

Deposits are typically detected within seconds of the transfer being completed. Our infrastructure continuously monitors incoming transactions and triggers webhook notifications to your application as soon as a payment is confirmed. This near-instant detection enables real-time crediting of customer wallets and accounts.

Yes, Bridgenetic provides a comprehensive RESTful API that covers virtual account creation, transaction monitoring, withdrawals, and webhook management. Our API supports PHP, Node.js, and Python with detailed documentation, sandbox environments, and code examples to help you integrate quickly.

Withdrawals are initiated through our API or merchant dashboard and processed to any Nigerian bank account. Funds are typically settled within minutes during banking hours. You can configure automatic settlement schedules or trigger manual payouts based on your business needs.

Absolutely. Every merchant account includes sandbox access with test API keys. You can simulate deposits, test webhook deliveries, and validate your integration without processing real transactions. Switch to production when you're ready with a single API key change.

Bridgenetic employs enterprise-grade security including end-to-end encryption for all transactions, signed webhook payloads for verification, and PCI-ready infrastructure. All API communications are secured via TLS, and we maintain comprehensive audit logs for every operation on the platform.

Start Building with Modern Payment Infrastructure

Join hundreds of businesses using Bridgenetic to power their payment operations. Get started in minutes with our developer-friendly APIs.

Create Merchant Account View Documentation