Collect payments.
Settle instantly.

Process payments across card, bank transfer, USSD, and wallets with real-time monitoring, automated revenue splits, and instant settlement in 10+ currencies. Built for government agencies, enterprises, and SaaS providers.

Explore the API
PCI DSS Compliant Automated Splits 10+ Currencies Real-time API
Accepts every channel

One gateway, every way to pay

Give citizens and customers their preferred way to pay. Every channel settles instantly and reports to a single, unified dashboard.

Card Payments

Visa, Mastercard, and Verve with 3D Secure. Instant authorization and real-time webhook notifications on every transaction.

3D Secure

Bank Transfer

Unique virtual account numbers for direct transfers. Automatic detection and confirmation typically within 30 seconds.

Instant confirm

USSD Payments

Customers pay by dialling a USSD code on any phone. Works on every network without requiring an internet connection.

Offline-ready

Wallet Payments

Accept OPay and other mobile wallets through redirect-based authorization. Instant debit and automatic confirmation.

One-tap

Invoices that work the way your teams do

Generate unique invoice IDs in seconds with custom amounts, descriptions, expiry dates, and configurable partial-payment thresholds.

  • Standardized IDs (INV-YYYY-XXXXXX) for clean reconciliation
  • Partial payments with configurable minimum thresholds
  • Custom expiry dates and auto-void on timeout
  • Branded, secure hosted checkout for every invoice
See how it integrates
Invoice
INV-2025-A8F3B2
Outstanding
₦75,000
PayeeAdaeze Okeke
Total amount₦100,000
Amount paid₦25,000
Expires31 Dec 2025
Payment progress25%
PAYMENT RECEIVED ₦250,000 INV-2025-A8F3B2 Merchant ₦230,500 settlement Government ₦17,500 revenue Service Provider ₦2,000 CBS supports additional configurable splits per merchant or product.

Every transaction, split automatically

Route each payment to government revenue, the service provider, and the merchant in a single, atomic operation. No manual reconciliation, no delays.

  • Configurable split percentages per merchant or product
  • Real-time settlement tracking and instant payout
  • Automatic retries on failed transfers
  • Full audit trail for finance and compliance

A clean REST API your engineers will love

Full CRUD for invoices, payments, verification, and refunds. Secure Bearer auth, predictable JSON, webhooks for every status change, and a sandbox to test before you ship.

RESTful endpoints
Predictable resources for invoices, charges, verification, and refunds.
Real-time webhooks
Automatic status callbacks and reconciliation on every transaction.
Docs & sandbox
Guides, examples, error codes, and a test environment to integrate faster.
POST /api/v1/invoices Bearer 
curl -X POST https://api.cbs.fairenation.com/v1/invoices \
  -H "Authorization: Bearer sk_live_••••" \
  -H "Content-Type: application/json" \
  -d '{
    "amount": 250000,
    "currency": "NGN",
    "description": "Annual license renewal",
    "payee": { "name": "Adaeze O.", "email": "adaeze@example.com" }
  }'

// 201 Created
{
  "invoice_id": "INV-2025-A8F3B2",
  "status": "active",
  "payment_url": "https://cbs.fairenation.com/pay/INV-2025-A8F3B2",
  "expires_at": "2025-12-31T23:59:59Z"
}

Enterprise-grade by default

100%
SSL-encrypted transactions
3-way
Automated split settlement
< 2s
Average payment verification
24/7
Monitoring & support

Integrate in three steps

From API key to first payment in minutes, not weeks.

1

Authenticate

Generate a secure Bearer token from your merchant dashboard. Every request is signed and rate-limited.

2

Create an invoice

POST an invoice with amount, currency, and payee. Receive a unique invoice ID and a hosted payment URL.

3

Verify & settle

Customer pays on the secure hosted page. You get a webhook, verify via API, and settlement runs automatically.

Ready to integrate with FN CBS?

Request API access and start issuing invoices today. Our team will help you configure channels, splits, and webhooks end-to-end.

Request API Access