Payments
All the ways to accept payments on Credo — from no-code solutions to API integrations.
Credo provides multiple ways to accept payments from your customers. Whether you need a quick no-code solution or a fully integrated payment flow, we have you covered.
Ways to accept payments
Payment Links
Create shareable links in seconds. No code required — just share the URL and get paid.
Invoicing
Send professional invoices with built-in payment buttons. Perfect for service businesses.
API Integration
Build custom checkout experiences with our developer-friendly API.
SDKs & Plugins
Use our pre-built SDKs for Flutter, React Native, and WordPress.
Payment methods
Your customers can pay using:
| Method | How it works | Best for |
|---|---|---|
| Cards | Visa, Mastercard, Verve with 3D Secure | Online stores, subscriptions |
| Bank Transfer | Virtual account number for transfers | Customers who prefer banking apps |
Available payment methods depend on currency and transaction amount. The checkout page automatically shows applicable options.
Quick comparison
| Solution | Setup time | Technical skill | Best for |
|---|---|---|---|
| Payment Links | 2 minutes | None | Quick payments, social media |
| Invoicing | 5 minutes | None | Service billing, B2B |
| API Integration | 1-2 hours | Developer | Custom checkout flows |
| SDKs | 30 minutes | Basic coding | Mobile apps, websites |
Getting started
Choose your method
- Need something now? → Payment Links
- Billing clients? → Invoicing
- Building an app? → API Integration
Configure your account
Make sure your settlement account is set up to receive payouts.
Start accepting payments
Create your first payment link, invoice, or integration and start collecting payments immediately.
Payment lifecycle
Features across all methods
No matter how you accept payments, you get:
- Multiple currencies — NGN and USD support
- Fee bearer control — Choose who pays transaction fees
- Webhook notifications — Real-time payment status updates
- Detailed reporting — Transaction history and analytics
- Secure processing — PCI DSS compliant, 3D Secure support
Transaction fees
Credo charges a processing fee per transaction. Control who pays:
| Setting | Customer pays | You receive |
|---|---|---|
| Customer bears fee | Transaction + fee | Full amount |
| Merchant bears fee | Transaction only | Amount - fee |
Example only
Fee amounts vary based on your plan. Check your dashboard for current rates.
Next steps
Overview
Learn about payment channels and methods in detail.
Payment Links
Start accepting payments in minutes without code.
Invoicing
Send professional invoices with built-in payment collection.
Developer Integration
Build custom payment experiences with our API.
Payments
Payment Links
Invoicing
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