Build with Dot

Built for teams moving money

Our APIs cover everything from virtual accounts and transfers to lending, deposits and bill payments so you can build products your users love.

Get Started

Licensed by the CBN

Deposits insured by

Building secure APIs is what we do

Every Dot API is designed to protect from the start. Clean authentication, real-time monitoring, and encryption where it counts.

Virtual Accounts

Create NUBAN-compliant virtual accounts instantly for every user or customer. Payments flow in real time, fully tracked and easy to reconcile.

Bill Payments

Fuel everyday payments like airtime, electricity, TV, and data through one simple API. Built to be reliable and scalable, it keeps up no matter how fast you grow.

Fixed Deposits

Help your users grow their money with flexible lock-ins, automated payouts, and compliance taken care of.

Lending Infrastructure

Build loan products that actually work. Automate disbursements, repayments, and account monitoring in real time.

External Transfers

Send funds to any Nigerian bank whenever you need, single payments or bulk transfers. Our transfers are fast, secure, and reliable with no waiting and no uncertainty.

Trusted by companies shaping the future

Spiro relies on our Virtual Account API to manage rider payments across Nigeria. With automatic account creation and real-time settlements, they've made it easy for riders to top up and get moving.

Spiro (EV Mobility Company)

Vizo Pay uses our Account Creation and Transfer APIs to onboard users and power peer-to-peer payments. Behind the scenes, Dot handles the infrastructure, so they can focus on building great financial experiences.

Vizo Pay (Digital Payment Company)

Ready to build with us?

Launch faster with APIs built for growth. With four easy steps to go from idea to integration, we'll guide you through it, and stay with you every step of the way.

Getting started