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Introduction

NIBSS is an alternative payment method in Nigeria that offers a convenient way for customers to pay for goods and services. Integrating NIBSS with Payrails allows you to provide a fast, easy-to-use payment option for your customers while leveraging our platform to route the payment to any Payment Service Provider (PSP). This guide will explain the process of integrating NIBSS into your app or website using Payrails.

Pre-requisites

Pre-requisites

Before you start accepting NIBSS payments with Payrails, there are a few requirements you must meet:

Ways to integrate NIBSS

Payrails SDK

Server-to-server integration

Parse NIBSS from lookup response

With a server-to-server integration, you can call our lookup payment options endpoint to get available payment options and relevant configurations for each payment method. As the example below, you can see nibssPay and nibssInstantPay returned as an option of the paymentCompositionOptions. You can use this value later to authorize payments with Payrails as you can see in the next sections.

Pass NIBSS payment method in request to authorize payment with Payrails

You can then make a request to our authorize a payment endpoint with nibssPay or nibssInstantPay as the paymentMethodCode. See an example below:

Supported regions / countries

Supported workflows and services

Last modified on September 23, 2026