Getting Started
Introduction to Credo - payments, tools, and everything you need to get started.
Credo is a payment processing platform that lets businesses accept payments, manage settlements, and access tools like invoicing, payment links, and pension operations - all from a single dashboard.
This documentation covers everything from dashboard setup to full API integration.
What Credo offers
Payment Gateway
Accept card, bank transfer, USSD, and wallet payments online.
Payment Links
Share a link and get paid - no code required.
Invoicing
Create and send professional invoices to your customers.
Split Settlements
Automatically distribute funds to multiple accounts.
Environments
Credo provides two separate environments. Use sandbox for development and testing, then switch to production when you're ready to go live.
| Environment | Base URL | Dashboard |
|---|---|---|
| Sandbox | https://api.credodemo.com | app.credodemo.com |
| Production | https://api.credocentral.com | app.credocentral.com |
Each environment has its own API keys, data, and transaction history. Nothing is shared between them.
Supported payment channels
| Channel | Description |
|---|---|
| Card | Visa, Mastercard, Verve |
| Bank Transfer | Virtual account transfers |
| USSD | Dial-code payments |
| Wallet | Digital wallet payments |
| OPay | OPay wallet integration |
| Payoutlet | Bank branch payments |
Supported currencies
| Currency | Code | Lowest unit |
|---|---|---|
| Nigerian Naira | NGN | Kobo (1 Naira = 100 kobo) |
| US Dollar | USD | Cents (1 Dollar = 100 cents) |
All amounts in the API are specified in the lowest currency unit. For example, NGN 150.00 is sent as 15000.
Where to go next
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