Payments infrastructure for the businesses building Nigeria
TwelveAI Business gives any business — from a first-time founder to a large platform — a simple way to accept payments, hold and move money, and build on a modern API.
Our mission
Too many Nigerian businesses still lose sales to clunky checkouts, wait days for settlement, or can't get a straight answer on fees. We started TwelveAI Business to fix that: give every business the same quality of payments infrastructure that the biggest companies enjoy, at a price that makes sense, with tooling developers actually like.
Under the hood we combine trusted rails for cards and bank transfers, dedicated NUBAN accounts, and a settlement engine that credits your wallet on a clear schedule — then we wrap it in a dashboard and an API that get out of your way.
Money should just work
Getting paid and paying out should be instant, predictable, and boring — in the best way.
Built for developers
A clean API, honest docs, and a sandbox. If you can read, you can integrate.
Transparent by default
One simple rate, no hidden fees, and clear limits. You always know where your money is.
Local, done right
Bank transfers, NUBANs, BVN/KYB, Naira settlement — the realities of Nigerian payments, first-class.
Build with us
Create an account, or read the docs to see how it all fits together.