Solutions · Fintechs

Ship payments this sprint.
Scale them for a decade.

API-first infrastructure with the ergonomics your engineers expect — idempotent endpoints, HMAC-signed webhooks and sandbox parity — plus the depth your business will grow into: orchestration, tokenization, billing and risk on one platform.

Get test keys Read the docs →
200+
Countries covered
146+
Currencies
<1hr
To first sandbox charge
4.0
PCI DSS scope cut
Why fintechs choose QoinPay

Start with one API. Grow into a platform.

Everything is composable: begin with QGate, switch on orchestration when volume justifies it, and add tokenization and billing without a re-integration.

Any market, day one

Local rails across 200+ countries and 146+ currencies behind one integration — expand to a new market by changing nothing.

Compliance you can inherit

PCI DSS 4.0 scope reduction through hosted checkout and QVault tokenization — keep raw card data off your servers entirely.

Pricing that scales down too

Transparent per-transaction fees with caps, no minimums and no monthly platform charge until you ask for enterprise features.

Developer experience

An API you can hold in your head.

Predictable REST resources, test and live modes that behave identically, webhooks signed with HMAC-SHA256, and errors that tell you exactly what to fix. Most teams process their first sandbox charge within the hour.

REST + JSON Idempotency keys Signed webhooks Sandbox parity
POST /api/v1/transactions Authorization: Bearer sk_test_… { "amount_minor": 250000, "currency": "NGN", "customer_email": "ada@example.com", "reference": "order_8412" } → 201 Created { "status": "awaiting_payment", "checkout_url": "https://qoinpay.com/pay/ck_…" }
How it works

From first request to a scaled platform.

Integrate QGate

Grab your test keys, POST a charge and render the hosted checkout. Sandbox parity means the code you ship is the code you tested.

Add orchestration & risk

Switch on QRoute for smart routing and QShield for screening as volume grows — no re-integration, just new capabilities on the same API.

Own the full stack

Layer in QVault tokenization, QSub billing and QCard issuing to run payments, subscriptions and cards from one platform and one ledger.

Built for builders

The details your engineers will thank you for.

Infrastructure that behaves the same at ten transactions and ten million — with the safety rails that keep a growing integration reliable.

  • ✓Idempotency keysRetry any request safely — a repeated reference never double-charges a customer.
  • ✓HMAC-SHA256 webhooksEvery event is signed, so you can verify authenticity before you act on it.
  • ✓Test / live paritySeparate keypairs that behave identically — flip to live without touching your integration.
Verbose errorsTell you exactly what to fix
Cursor paginationStable listing for reconciliation
Unified ledgerCharges · fees · refunds · payout
First sandbox charge< 1 hour
Go-liveAfter KYC review
The fintech stack

Composable products, one integration.

Every product stands alone and stands together. Turn on what you need, when you need it — no re-platforming.

Acquiring

QGate

Global payment gateway

One integration to accept cards, bank transfers, virtual accounts, USSD, QR, mobile money, UPI, Pix and more — with a hosted checkout that adapts to the payer's country automatically.

Explore QGate Acquiring

QRoute

Intelligent payment orchestration

Specificity-scored routing rules steer every charge to the best gateway by country, currency, method and amount — with automatic failover when a rail degrades.

Explore QRoute Risk

QShield

Fraud & risk management

Rules-based pre-authorization screening: velocity checks, thresholds, blacklists and geo signals — flag or block before money moves.

Explore QShield Tokenization

QVault

Issuer & acquirer token hubs

Network tokenization with push provisioning and a hardened vault — one hub for issuers, one for acquirers and merchants.

Explore QVault Issuing

QSub

Subscriptions & instalments

Recurring billing with smart retries plus QFlex issuer instalments — recover failed renewals and split big-ticket payments.

Explore QSub Issuing

QCard

Prepaid card platform

Full lifecycle management for virtual and physical prepaid programs: issue, load, control, monitor and settle.

Explore QCard
Under the hood

Primitives that make reconciliation boring.

✓Idempotency keysRetry any request safely — a repeated reference never double-charges a customer.
✓HMAC-SHA256 webhooksEvery event is signed so you can verify authenticity before you act on it.
✓Test / live paritySeparate keypairs that behave identically — flip to live without touching your integration.
✓Verbose errorsTest-mode responses tell you exactly what to fix, with links to the relevant docs.
✓Cursor paginationPredictable, stable listing of every resource for reliable reconciliation jobs.
✓One unified ledgerCharges, fees, refunds and settlement recorded in a single source of truth.
Compliance you can inherit

Bank-grade controls, without the audit burden.

Ship on infrastructure certified to the standards regulators expect of tier-1 institutions — and keep sensitive data off your own systems.

PCI DSS Level 1 ISO 27001 SOC 2 Type II NDPR / GDPR AES-256-GCM vault Network tokenization
Build today

Your first charge is an afternoon away.

Create an account, grab your test keys and integrate the hosted checkout — then flip to live once KYC review clears.

Create free account API documentation