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Bridge Payments

Get paid on every rail. Even offline.

Collect by bank transfer to a virtual account, from wallets, in cash at an agent and phone to phone with no network. Split it, hold it in escrow, pay it out. One API, on Bridge.

Get started

Build in test now. Live payments follow our go-live and your verification.

Illustrative
Rails

Every way your customers pay, on one request.

  • Live

    Bank transfer

    To a virtual account made for the payment, or one kept for the customer

  • Live

    Wallet

    From a Bridge wallet, approved with the payer's PIN

  • Live

    Agent cash

    Cash taken by an agent, against a float the agent funds

  • Live

    Offline device

    Phone to phone with no network, settled when either reconnects

  • Coming

    QR

    A QR on the collection request

  • Coming

    POS terminal

    Card-present acquiring on a terminal

  • Partner required

    Card

    Once a card processor is connected

  • Partner required

    Direct debit

    Mandates, once a processor is connected

Products

Start with one. Add the rest without re-integrating.

Accept payments

One collection request, paid by transfer, wallet, agent cash or offline.

Accept payments

Offline payments

Phone-to-phone payments with no network, settled when either phone reconnects.

Offline payments

Payouts & transfers

Pay any Nigerian bank account, with the name checked first.

Payouts & transfers

Escrow

Hold the buyer's money until both sides agree, stage by stage.

Escrow

Platforms & marketplaces

Verify sellers, collect once and split to everyone at settlement.

Platforms & marketplaces

Banks & agents

Agent cash collections and offline payments for banks and agent networks.

Banks & agents
Offline

Get paid where the network isn't.

Value is loaded online. With no network, phone pays phone and both devices sign. When either reconnects, the payments settle and replays are rejected.

How offline works
Illustrative
For developers

Create a collection request.

Idempotent on your own reference: sending the same collectorOwnReference twice returns the original request. The response carries an address for each rail you allowed.

API reference · Quickstart · Webhooks

POST /collection/request

curl -X POST "https://api.bridgemoni.com/collection/request" \
  -H "Authorization: Bearer $BRIDGEMONI_TOKEN" \
  -H "X-Tenant: $BRIDGEMONI_TENANT" \
  -H "X-Environment: test" \
  -H "Content-Type: application/json" \
  -d '{
    "form": "VIRTUAL_ACCOUNT",
    "collectorOwnReference": "ORD-1001",
    "currencyCode": "NGN",
    "countryCode": "NG",
    "amountMode": "EXACT",
    "amount": "25000.00",
    "requestDescription": "Order ORD-1001",
    "usageMode": "SINGLE_USE",
    "allowedRails": ["VIRTUAL_ACCOUNT", "WALLET", "OFFLINE_DEVICE"]
  }'
Built on Bridge

The gateway runs on the same platform as Bridge's accounts, identity, escrow and reconciliation.

See every capability

Questions about Bridge Payments

What is Bridge Payments?

Bridge's payment gateway for business owners: collections, offline payments, payouts, escrow and split settlement, on the same platform as Bridge's accounts, identity and reconciliation.

Which ways to pay are live?

Bank transfer to a virtual account, wallet, agent cash and offline device payments. QR and POS terminals are coming. Cards and direct debit need a connected processor.

Can I take live payments today?

You can build in test now. Live payments follow our go-live and your business's verification.

Is there a dashboard?

Not yet. Today you work through the API, and we set up your test access with you.

How is it priced?

Talk to us. Tell us what you're building and we'll send you rates, confirmed in writing before you go live. Read more

Bridge Payments

Start building in test.

Talk to us for pricing. Live payments follow our go-live and your verification.

Get startedSee pricing