Everything you need to get paid and grow
One platform for collections, a business bank account, payouts, a developer API, and an AI assistant that actually understands your money.
Accept payments
Cards and bank transfers on your website with a branded, hosted checkout. Redirect a customer, get paid, and receive a signed webhook the moment it succeeds.
Business bank account
Open a dedicated NUBAN in your business name after KYB. Bank-transfer inflows credit your available balance instantly — no waiting, no sweep.
T+1 settlement
Card collections move from pending to your withdrawable balance the next day. Clear, predictable timing you can plan cash flow around.
Payouts
Withdraw to your settlement account. Minimum ₦5,000, and we name-verify the destination before any money moves.
KYB verification
A fast, guided flow to verify your business, lift the ₦500,000/month cap, and unlock your business bank account.
Developer API
A clean REST API, HMAC-signed webhooks, saved cards for repeat charges, and copy-pasteable samples in cURL, Node, Python, PHP, Go, Ruby and Java.
Transactions & reporting
Every payment and payout in one feed, with references, fees, settlement status and customer email — filterable and exportable.
Saved cards & recurring
Charge returning customers again with a saved authorization — perfect for subscriptions and one-tap repeat purchases.
TwelveAI Connect
Let other businesses connect their account to your platform via OAuth, charge on their behalf, and take an application fee.
Your business, in conversation
TwelveAI is banking as a conversation — and your business account is no different. Instead of digging through dashboards, just ask. The assistant answers over your own live data, so the numbers are always real and always yours.
Knows your live numbers
Balance, this-week and all-time collections, pending settlement, payouts, and unique customers — always the real, live figures.
Plain-language answers
No SQL, no exports. Ask “how much did I make this month?” and get a specific, cited answer.
Private by design
Your chat is scoped to your business and never mixed with anyone else. Test-mode activity is excluded from every answer.
Remembers context
It carries the thread, so you can follow up naturally: “and last month?”, “break that down by customer”.
Start accepting payments today
Create your account in minutes and take your first payment before lunch.