ABCMCONNECT - Payment Gateway

Getting Started

Three steps to your first live request:

Create a free account and complete KYC verification.
Go to API Keys in your dashboard to get your X-Api-Key and X-Api-Secret.
VTU services (airtime, data, cable, electricity, exam pins) require a separate approval - contact support once you're ready to go live with those.

Base URL: https://www.test.abcmtech.com/api/v1 — all endpoints below are relative to this.

Sandbox mode: A fully separate test environment at its own base URL - https://www.test.abcmtech.com/sandbox/v1 - with its own keys (get them from your dashboard's Sandbox Mode page). No real money, no real SMS, no real provider is ever contacted. Amounts ending in .01 simulate a failure, .00 always succeeds.

Authentication

Every request must include two headers. There is no OAuth flow or token expiry to manage - your key/secret pair works until you regenerate it.

curl https://www.test.abcmtech.com/api/v1/wallet/balance \
  -H "X-Api-Key: pk_live_xxxxxxxxxxxxxxxx" \
  -H "X-Api-Secret: sk_live_xxxxxxxxxxxxxxxx"

<?php
$ch = curl_init('https://www.test.abcmtech.com/api/v1/wallet/balance');
curl_setopt($ch, CURLOPT_HTTPHEADER, [
    'X-Api-Key: pk_live_xxxxxxxxxxxxxxxx',
    'X-Api-Secret: sk_live_xxxxxxxxxxxxxxxx',
]);
curl_setopt($ch, CURLOPT_RETURNTRANSFER, true);
$response = json_decode(curl_exec($ch), true);
curl_close($ch);

const response = await fetch('https://www.test.abcmtech.com/api/v1/wallet/balance', {
    headers: {
        'X-Api-Key': 'pk_live_xxxxxxxxxxxxxxxx',
        'X-Api-Secret': 'sk_live_xxxxxxxxxxxxxxxx',
    },
});
const data = await response.json();

import requests

response = requests.get(
    'https://www.test.abcmtech.com/api/v1/wallet/balance',
    headers={
        'X-Api-Key': 'pk_live_xxxxxxxxxxxxxxxx',
        'X-Api-Secret': 'sk_live_xxxxxxxxxxxxxxxx',
    },
)
data = response.json()

Never expose your X-Api-Secret in client-side/browser code. Keep all API calls server-side.

Virtual Accounts

Generate a dedicated bank account number for each customer so you can identify who paid you, automatically.

POST/virtual-account/create

Parameter	Type		Description
customer_type	string	optional	`individual` (default) or `business`
first_name / last_name	string	required	Customer's name - for an individual customer
business_name / cac_number	string	required	Registered name and CAC number (starting RC or BN) - for a business customer
email	string	required	Customer's email
reference	string	required	Your own unique reference for this account

GET/virtual-account/{accountNumber}

Look up a single virtual account you created.

GET/virtual-accounts

List every virtual account under your merchant.

POST/virtual-account/{accountNumber}/disable

Stop an account from accepting further payments. Use /enable to reverse this.

Wallet

GET/wallet/balance

Returns your available and unsettled wallet balances in real time.

Transactions

GET/transaction/status?reference={reference}

Check the status of any single transaction by its reference.

GET/transactions

Paginated list of all your transactions, newest first.

Payouts

Send money out of your wallet to any Nigerian bank account. Requires payout access to be enabled on your account first.

GET/payout/banks

List of supported banks and their codes.

POST/payout/verify-account

Parameter	Type		Description
bank_code	string	required	From /payout/banks
account_number	string	required	10-digit NUBAN

POST/payout/transfer

Parameter	Type		Description
amount	number	required	Amount in Naira
bank_code	string	required	Destination bank
account_number	string	required	Destination account
reference	string	optional	Your own idempotency reference

GET/payout/status?reference={reference}

VTU Services

Airtime, data, cable TV, electricity, and exam pins - all through one consistent API shape. Requires VTU API access to be explicitly enabled on your account by our team; a valid key/secret pair alone is not enough.

POST/vtu/airtime

Parameter	Type		Description
network	string	required	mtn, glo, airtel, or 9mobile
phone	string	required	Recipient phone number
amount	number	required	₦50 - ₦50,000

GET/vtu/data-plans

POST/vtu/data

Parameter	Type		Description
phone	string	required	Recipient phone number
data_plan_id	integer	required	From /vtu/data-plans

GET/vtu/cable-plans

POST/vtu/cable

Parameter	Type		Description
cable_plan_id	integer	required	From /vtu/cable-plans
smart_card_number	string	required	Smart card / IUC number

GET/vtu/discos

POST/vtu/electricity

Parameter	Type		Description
disco_id	integer	required	From /vtu/discos
meter_number	string	required
meter_type	string	required	Prepaid or Postpaid
amount	number	required	₦500 - ₦100,000

GET/vtu/exam-types

POST/vtu/exam

Parameter	Type		Description
exam_type_id	integer	required	From /vtu/exam-types
quantity	integer	required	1-20

GET/vtu/transaction/status?reference={reference}

Every VTU purchase returns a reference - use it here to poll status.

Collect Payments

Generate a payment link that shows your customer a dedicated bank account number to transfer into, on your own branded page - never a third-party site. Requires Collect Payments API access to be explicitly enabled on your account by our team.

POST/checkout/create

Parameter	Type		Description
amount	number	required	Amount in Naira (minimum ₦100)
description	string	optional	Shown on the payment page, e.g. "Invoice #123"
customer_name	string	optional
customer_email	string	optional
callback_url	string	optional	Where your customer is redirected after paying. Defaults to a standard return page if omitted.

curl -X POST "https://www.test.abcmtech.com/api/v1/checkout/create" \
  -H "X-Api-Key: pk_live_xxxxxxxxxxxxxxxx" \
  -H "X-Api-Secret: your-api-secret-key" \
  -H "Content-Type: application/json" \
  -d '{
    "amount": 5000,
    "description": "Invoice #123",
    "customer_name": "Jane Doe",
    "customer_email": "jane@example.com"
}'

Response:

{
    "success": true,
    "reference": "CHK-20260829092726-MT2QD1",
    "order_no": "24260829092726346817",
    "checkout_url": "https://checkout.palmpay.com/h5-checkout/?...",
    "amount": 5000,
    "currency": "NGN",
    "status": "pending"
}

GET/checkout/status?reference={reference}

Poll this with the reference from the create response to check whether payment has completed.

Redirect your customer to checkout_url to complete payment. Once paid, we notify your account via webhook and credit your wallet automatically - no need to poll status unless you want to reflect it in your own UI immediately.

Virtual Cards

Issue Visa/Mastercard virtual cards for your customers, fund them, freeze/unfreeze, and track spend - all through one API regardless of which card provider is active on the backend. Requires Virtual Card API access to be explicitly enabled on your account by our team.

POST/virtual-cards/cardholders

Creates (or returns the existing) cardholder profile for an email under your account. A cardholder must complete identity verification before a card can be issued to them.

Parameter	Type		Description
first_name	string	required
last_name	string	required
email	string	required	Also used to detect an existing cardholder
phone	string	optional

GET/virtual-cards/cardholders/{id}

Returns the cardholder's current KYC status - poll this after creation until it reads APPROVED before issuing a card.

POST/virtual-cards

Issues a new card. Your wallet is charged the card creation fee shown in your dashboard.

Parameter	Type		Description
cardholder_id	integer	required	From the cardholder creation response
brand	string	optional	VISA (default) or MASTERCARD
label	string	optional	Your own nickname for the card

GET/virtual-cards

Paginated list of every card issued under your account.

GET/virtual-cards/{id}

POST/virtual-cards/{id}/fund

Loads USD onto the card. Your wallet is charged the funding amount plus the funding fee shown in your dashboard.

Parameter	Type		Description
amount	number	required	USD amount to load onto the card

POST/virtual-cards/{id}/unload

Parameter	Type		Description
amount	number	optional	Leave blank to unload the full balance

POST/virtual-cards/{id}/freeze

POST/virtual-cards/{id}/unfreeze

POST/virtual-cards/{id}/terminate

Terminate is permanent - the card cannot be reactivated afterward.

GET/virtual-cards/{id}/transactions

Paginated spend history for the card, synced from the card provider on each request.

No transaction PIN is required on these endpoints - your API key/secret is the credential for server-to-server calls, same as every other money-moving endpoint in this API.

Webhooks

Configure your webhook URL in the dashboard under Webhook Settings. We'll POST to it whenever a payment is received on one of your virtual accounts.

{
    "event": "payment.received",
    "data": {
        "reference": "ORDER_123",
        "amount": 10000,
        "currency": "NGN",
        "virtual_account": "0123456789",
        "payer_name": "John Doe",
        "payer_bank": "ACCESS BANK",
        "status": "successful",
        "timestamp": "2026-08-27T14:30:00Z"
    },
    "signature": "sha256=abc123..."
}

Verify the signature against your webhook secret before trusting the payload. Respond with HTTP 200 within a few seconds, or we'll retry.

Error Codes

HTTP	error_code	Meaning
401	MISSING_CREDENTIALS	X-Api-Key or X-Api-Secret header missing
401	INVALID_CREDENTIALS	Key/secret pair doesn't match any account
403	IP_NOT_WHITELISTED	Request came from an IP not on your account's API whitelist (only enforced if you've turned it on in API Keys)
403	KYC_REQUIRED	Complete KYC verification before using the API
403	SERVICE_NOT_ENABLED	This specific service (e.g. VTU) hasn't been enabled for your account yet
429	RATE_LIMITED / IP_RATE_LIMITED	Too many requests - see Retry-After / retry_after in the response
422	-	Validation error - check the message field for details

Rate Limits

Standard endpoints: 60 requests/minute per merchant. Payouts: an additional 20 requests/hour per IP address, on top of your configured per-transaction limits. Rate-limited responses include a retry_after field (seconds) telling you exactly when to try again.

Developer Documentation