Payments, explained
Practical guides for Nigerian businesses and the developers building on us.
How to accept online payments in Nigeria (2026 guide)
A practical, step-by-step guide to accepting card and bank-transfer payments online for your Nigerian business — from signup to your first successful payment.
Read article →Bank transfer vs card payments: what should Nigerian businesses use?
Cards or bank transfers? We compare cost, speed, conversion, and reliability so you can pick the right mix for your Nigerian business.
24 Jun 2026What is T+1 settlement and why it matters
T+1 settlement explained simply — what "pending" vs "available" balance means, and how it affects your cash flow.
18 Jun 2026Payment gateway fees in Nigeria, explained
How payment processing fees really work in Nigeria — percentages, caps, and the hidden costs to watch for.
11 Jun 2026How to get a business bank account (NUBAN) for your business
A guide to opening a dedicated NUBAN in your business name so customers can pay you by direct bank transfer.
4 Jun 2026What is KYB? Business verification, explained
KYB (Know Your Business) explained — what it is, why payment providers require it, and how to breeze through it.
28 May 20267 ways to reduce failed transactions at checkout
Practical tactics to cut failed payments and recover lost sales on your Nigerian checkout.
21 May 2026What is a virtual account, and how does it work?
Virtual accounts and dedicated NUBANs explained — how money routed to a virtual account reaches the right business.
14 May 2026How to embed payments into your marketplace or platform
A primer on platform payments — let businesses connect to you and accept payments on their behalf with TwelveAI Connect.
7 May 2026Application fees: how platforms make money on payments
How application fees work — the model platforms use to earn a cut of every payment they process for connected businesses.
30 Apr 2026Webhooks 101 for developers
What webhooks are, why they beat polling, and how to verify signatures so you can trust them.
23 Apr 2026How to keep your payment API keys secure
Simple, high-impact practices to protect your secret keys and prevent unauthorised charges.
16 Apr 2026Payouts and settlements: getting your money out
How settlement and payouts work — from a successful payment to money in your bank account.
9 Apr 2026Saved cards and recurring payments
How to charge returning customers with one click and build subscriptions using saved card authorizations.
2 Apr 2026How to choose a payment provider in Nigeria
A checklist for evaluating payment providers in Nigeria — fees, settlement, reliability, developer experience, and support.
26 Mar 2026