Bank transfer payments, made simple

Get paid by bank transfer and know the moment it lands.

Smartwave Connect gives your customers a clean payment page and confirms each transfer automatically, so you stop checking your bank app by hand.

Everything you need to collect payments

Built for businesses and platforms that take payment by bank transfer.

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Hosted payment page

Send customers to a secure, branded page with the amount, account details and a countdown.

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Live confirmation

The page updates by itself as soon as your payment is detected and verified.

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Smooth return

After payment, customers go straight back to your website with one tap.

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Safe by design

Only the details needed to pay are shown. Private account data never leaves your system.

Virtual accountsComing soon

Give every customer or every payment its own account number, so each transfer is matched automatically.

  • A unique account number per customer or per order
  • No more matching payments by sender name
  • Instant confirmation sent to your website
  • Accounts can expire after a set time
Join the waitlist

Simple API for developersComing soon

Create a payment, get a payment page link, and receive a webhook when the money arrives. A few lines of code is all it takes.

  • REST API with JSON responses
  • Webhooks for confirmed and expired payments
  • Test mode with sandbox keys
  • Clear docs and example code
Join the waitlist
POST /v1/payments
{
  "amount": 1000,
  "currency": "NGN",
  "customer": "Thabo Nkosi",
  "return_url": "https://yoursite.com"
}

201 Created
{
  "reference": "SWC-8K2Q",
  "pay_url": "smartwave-connect.web.app/pay?ref=SWC-8K2Q",
  "status": "pending"
}

How it works

Three steps from checkout to confirmed payment.

1

Customer starts a payment

They choose an amount on your site and are sent to the Smartwave Connect page.

2

They transfer the money

The page shows where to pay and counts down while we watch for the transfer.

3

Confirmed and returned

Once verified, the customer sees success and returns to your site.

Payments from across Africa

Starting in Nigeria, with more countries on the way.

๐Ÿ‡ณ๐Ÿ‡ฌNigeriaNGN
๐Ÿ‡ฟ๐Ÿ‡ฆSouth AfricaZAR
๐Ÿ‡ฌ๐Ÿ‡ญGhanaGHS
๐Ÿ‡ฐ๐Ÿ‡ชKenyaKES
๐Ÿ‡น๐Ÿ‡ฟTanzaniaTZS
๐Ÿ‡บ๐Ÿ‡ฌUgandaUGX
๐Ÿ‡ท๐Ÿ‡ผRwandaRWF
๐Ÿ‡ช๐Ÿ‡ฌEgyptEGP
๐Ÿ‡ฟ๐Ÿ‡ฒZambiaZMW
๐Ÿ‡ธ๐Ÿ‡ณSenegalXOF
๐Ÿ‡จ๐Ÿ‡ฎCรดte dโ€™IvoireXOF
๐Ÿ‡จ๐Ÿ‡ฒCameroonXAF

Apply for access

Tell us about you and why you need Smartwave Connect. We review every application.

Please fill in your name, email, phone number and purpose, and tick the box.