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Entry Guidelines

Use this guide to get your merchant account ready for integrating the iNPAY Checkout Gateway (API v1.0).

The scope here is account access, onboarding, and keys — no code yet. When you complete these steps, you can proceed to Quick Start and product‑specific integrations.

Prerequisites​

You must meet these requirements before integrating any iNPAY product:

  1. Have an iNPAY account
  • User account or Business account (see details below)
  1. Complete KYC to at least Tier 2
  • Tier 2 or higher is required to enable API usage and live processing.

Create your account​

Option A — User account

  1. Download the iNPAY App: https://inpay.ng/download
  2. Sign up, then complete KYC verification to at least Tier 2 in the app.

Option B — Business account

  1. Visit https://business.inpay.ng and sign up for an iNPAY Business account.
  2. A personal iNPAY user account is required to register and manage the business account. Create or sign in to your user account first, then complete the business signup and KYC for your business.

Onboard to iNPAY Checkout Dashboard​

  1. Go to the iNPAY Checkout Dashboard: https://dashboard.inpaycheckout.com
  2. Sign in using your existing iNPAY credentials and complete the onboarding prompts for iNPAY Checkout.
  3. If you have both a personal and a business account, you’ll be shown a list. Select which account you want to use for iNPAY Checkout (personal or business).

Generate API keys​

  1. In the dashboard, open Settings → Keys & Webhooks.
  2. Choose the environment at the top of the page:
  • Test: for sandbox integration only
  • Live: for production usage
  1. Click Generate Keys. You will receive two keys:
KeyScopeWhere to use
Public keyClient‑side identificationSafe to use in browsers/mobile when initializing widgets or the checkout modal
Secret keyServer‑side operationsUse only on your backend for sensitive requests

Important notes

  • Test keys only work on the test environment and endpoints.
  • Use Live keys only for production; never test against live endpoints.
  • Never expose your Secret key to the public (front‑end, repos, logs, etc.).
  • Rotate keys immediately if you suspect exposure.

While you can integrate without webhooks initially, enabling them early helps with payment confirmations, payout events, and reconciliation. Configure them later in Settings → Keys & Webhooks under Webhooks.

What’s next​

  • Quick Start: /docs/guides/quick-start
  • Collect Payments: /docs/products/collect-payments
  • Payout: /docs/products/payout
  • Virtual Account: /docs/products/virtual-account
  • Virtual Pay ID: /docs/products/virtual-payid
  • API Reference (v1.0): /docs/api/v1

When you’re ready to build the UI flow, head to Quick Start for initializing the iNPAY Checkout modal (inline integration) and making your first test request.