Embedded Finance Infrastructure
Give your users a bank account. In one API call.
PayKore handles wallets, transfers, USSD payments, QR codes, and KYC compliance — so you don't have to negotiate with banks or navigate CBN regulations. You build features.
Trusted by fintechs, marketplaces, and SaaS companies across Nigeria.
Everything your product needs to handle money
Six capabilities. One API key. No bank negotiations.
How PayKore works
You write code. We handle the compliance, banking rails, and ledger.
You call the API
Your backend calls POST /v1/wallets. PayKore creates a ledger account and requests a NUBAN from our licensed MFB partner.
We handle the banking
Our Microfinance Bank partner issues a real NUBAN bank account number. Users can receive money from GTBank, Access, Zenith, or any other bank — just like a regular account.
Money moves, you earn
Every transfer, payment, or collection flows through PayKore's double-entry ledger. Fees are calculated, routed, and settled automatically. You see your earnings in real time.
You call the API
Your backend calls POST /v1/wallets. PayKore creates a ledger account and requests a NUBAN from our licensed MFB partner.
We handle the banking
Our Microfinance Bank partner issues a real NUBAN bank account number. Users can receive money from GTBank, Access, Zenith, or any other bank — just like a regular account.
Money moves, you earn
Every transfer, payment, or collection flows through PayKore's double-entry ledger. Fees are calculated, routed, and settled automatically. You see your earnings in real time.
Licensed infrastructure. Zero CBN licence required on your part.
Go from zero to production in an afternoon
Real code. Real Nigerian bank accounts. No mocks.
Built for Nigeria. Backed by real banking infrastructure.
We built PayKore the way Nigerian financial regulations actually work.
MFB Partnership
Your users' funds are held by a CBN-licensed Microfinance Bank. PayKore never holds money directly. You get the infrastructure; they hold the licence.
Real NUBAN Accounts
Every wallet is a real Nigerian bank account. Not a virtual ID — an actual account number that works with NIP, USSD, and every Nigerian banking app.
Double-Entry Ledger
Every kobo is tracked with immutable double-entry bookkeeping. Balances are computed from the ledger, never stored. Auditor-friendly by design.
Data Privacy
BVN and NIN data is AES-256-GCM encrypted at rest. We never log PII. Compliant with NDPR and CBN KYC guidelines.
Questions about compliance or the MFB partnership? Talk to us →
Ready to embed finance into your product?
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Start building for free →Questions? Talk to us at founder@paykore.dev