Get paid, and get answers.
Accept card and bank-transfer payments, open a business bank account, and settle T+1 — then ask your built-in AI assistant anything about your money.
No setup fees · Start collecting up to ₦500,000/month before verification
One platform to get paid, pay out, and understand it all
From your first payment to building a payments product on top of us.
Accept payments
Cards and bank transfers on your site with a branded, hosted checkout.
Business bank account
A dedicated NUBAN in your business name. Transfers land in your wallet instantly.
AI business analyst
Ask your assistant anything about your live payments, payouts and customers.
T+1 settlement
Card collections clear to your withdrawable balance the next day — predictable.
Payouts
Withdraw to your settlement account. Name-verified before we send.
Developer API
A clean REST API, signed webhooks, saved cards, and 7 language samples.
Ask your business anything
Every account comes with an assistant that already knows your numbers. It reads your live payments, payouts, balance and customers, and answers in plain language — no spreadsheets, no SQL, no waiting on a report.
- Answers over your real, live data — test activity excluded
- Private to your business, never mixed with anyone else
- Remembers context so you can just keep chatting
Build payments into your platform
Let the businesses on your marketplace or SaaS connect their TwelveAI account, then accept payments and initiate payouts on their behalf — and take an application fee on every charge.
POST /api/business/v1/payments/initialize
Authorization: Bearer tw_at_... # connected account token
{
"email": "customer@example.com",
"amount": 50000,
"application_fee_percent": 2.5 # your 2.5% cut
}POST /api/business/v1/ai/converse
Authorization: Bearer tw_at_...
{
"customer_id": "cus_9f2a...",
"message": "send 20k to my sister ada at gtbank"
}
# → grounded reply + action taken + citationsAI Infrastructure for conversational banking
A grounded, action-taking AI layer for fintechs. Understand a customer message, look up their real financial context on TwelveAI, and — if they meant to — do something about it. Same scopes, same audit trail as the rest of the platform.
One simple rate. No surprises.
No setup fees, no monthly fees. You only pay when you get paid — and the AI assistant, business bank account, API and Connect are all included.
See full pricingFrequently asked questions
How much does it cost?
A simple 1.5% of each transaction, capped at ₦2,000. No setup or monthly fees.
How fast do I get my money?
Bank-transfer inflows are instant. Card payments settle to your withdrawable balance at T+1 (the next day).
Is the AI assistant really using my data?
Yes — it answers over your own live payments, payouts, balance and customers. Test-mode activity is excluded, and your chat is private to your business.
Do I need to be verified to start?
No. Collect up to ₦500,000/month immediately. Complete KYB to remove the cap and open a business bank account.
Start accepting payments today
Create your account in minutes and take your first payment before lunch.