Multi-currency collection.

Accept payments from around the world with Wavy.

NGN
USD
GBP
EUR
GHS
KES
ZAR
TZS
UGX
RWF
  • More marketsAccept multiple currencies.
  • Simple integrationSame API. More possibilities.
  • Secure & reliablePowered by Flutterwave.
Get started → View docs →
Smiling professional using her phone to send or receive a payment with Wavy

Business has no borders.

wavy.ng
Powered by flutterwave
WHY WAVY

Sell locally. Bill globally. Same dashboard.

Set currency on payment links, subscription plans, and POST /api/gateway/v1/checkout. Customers pay in their currency; you still control the amount you receive.

  • Payment links — pick currency when you create a link
  • Gateway API — pass currency: "USD" alongside amount
  • Receipts & tracking — every amount shown in the right currency
See supported currencies →
checkout · USD 
POST /api/gateway/v1/checkout
Authorization: Bearer wavy_sk_live_...

{
  "amount": 49,
  "currency": "USD",
  "email": "customer@email.com",
  "description": "Pro plan — March",
  "merchant_reference": "inv_9021"
}

Flutterwave handles FX & card rails. Wavy handles fees, webhooks, and settlement tracking.

✦ THREE WAYS TO GET PAID
Wavy payment gateway
Bank settlement Money to your bank
HOW IT WORKS

Pick what fits. We handle the rest.

Whether you sell on Instagram, run a WooCommerce store, or build an app — Wavy is the same gateway underneath. Checkout, verification, and settlement are all taken care of.

  • 🔗 Payment link — Create a link, share it anywhere, get paid. No website needed.
  • ⚡ WooCommerce plugin — Drop-in gateway for your WordPress store. Download from your dashboard.
  • { } Gateway API — Full REST checkout for apps and custom integrations. Docs when you need them.
Create a payment link → View API docs
<200ms Checkout session
T+1 Bank settlement
703+ Nigerian banks
₦0 Monthly fee
10+ Currencies supported
RECURRING PAYMENTS

Subscriptions that run themselves

Set up a billing plan once. Customers subscribe, renewals happen automatically, and you get paid every cycle — no chasing invoices.

01

Create a plan

Define amount, interval, and duration from the dashboard or API.

POST /subscriptions/plans
02

Subscribe endpoint

Your app redirects customers to the hosted subscribe flow.

POST /plans/:id/subscribe
03

Webhook renewals

Receive events when subscriptions charge, fail, or cancel.

charge.completed
FOR STORES & APPS

Connect your website in three steps

Plug Wavy into your store or app — hosted checkout handles the rest.

01

Create checkout

POST amount, email, merchant_reference, and return URLs from your server.

POST /api/gateway/v1/checkout
02

Redirect customer

Send the user to authorization_url. Wavy handles PCI-compliant checkout.

Hosted checkout
03

Verify & webhook

Confirm with GET transaction or handle signed payment.success webhook.

GET /transactions/{tx_ref}
BUILT FOR YOU

Everything handled. Nothing to figure out.

Wavy takes care of checkout, verification, fee calculation, and bank settlement — so you can focus on your business.

Direct bank settlement

Flutterwave subaccounts route vendor net to Nigerian bank accounts.

  • Per-site payout config
  • Transaction references
  • Settlement tracking

Secure by default

Secret keys server-side only. Webhook HMAC verification. Idempotent handlers.

  • X-Wavy-Signature headers
  • Key rotation in dashboard
  • PCI delegated checkout

Track everything

See every payment, its status, and settlement details from your dashboard.

  • GET /api/gateway/v1/ping
  • Transaction list API
  • Receipt & tracking endpoints
api.wavy.ng 
curl -X POST https://api.wavy.ng/api/gateway/v1/checkout \
  -H "Authorization: Bearer wavy_sk_live_..." \
  -H "Content-Type: application/json" \
  -d '{
    "amount": 5000,
    "currency": "NGN",
    "email": "customer@email.com",
    "description": "Order #123",
    "merchant_reference": "order_123"
  }'
GET STARTED

Start accepting payments today

  • ✓ Create a free accountSign up, add your bank details — takes two minutes.
  • ✓ Share a payment linkNo website or code needed. Share on WhatsApp, email, anywhere.
  • ✓ Or connect your storeWooCommerce plugin or Gateway API — your choice.
  • ✓ Get paid to your bankMoney settles directly. You always receive what you listed.
Get started free →
START NOW

Ready to get paid?

Free to start. Collect NGN or international currencies. Money lands in your Nigerian bank account.

Create free account → Create a payment link →
Payment links WooCommerce plugin Gateway API