Introduction

IvoryPay is a global payment infrastructure that enables businesses to accept and send payments across both crypto and fiat rails — from a single API.

Whether you are collecting payments from customers around the world, paying out to bank accounts, or moving funds across blockchains, IvoryPay handles the complexity so you don't have to.

What You Can Do

Accept Payments

• Let customers pay with cryptocurrency (USDT, USDC) on supported blockchain networks

• Let customers pay via bank transfer using a dynamically assigned virtual account

• Let customers pay with mobile money, including Wave in Senegal and Côte d'Ivoire

• Generate permanent wallet addresses per customer for recurring deposits

Send Payments

• Send crypto directly to any external blockchain wallet address

• Send fiat directly to a recipient's bank account or mobile money wallet — IvoryPay handles the crypto-to-fiat conversion

Stay Informed

• Subscribe to webhook events to get real-time notifications on every payment, payout, and settlement — no polling required

• Configure account notifications so your team's inboxes get alerted on collections, payouts, and settlements

Stay Secure

• Lock down API access to your own servers with an IP allow-list — required before you can send LIVE payouts

Base URL

https://api.ivorypay.io/api

Authentication

Every request must include your secret API key in the Authorization header:

Authorization: <your-secret-api-key>

Keep your secret key private. Never expose it in client-side code, browser environments, or public repositories. Use your test key during development and your live key in production.

To get your API keys, go to Dashboard → Developer → API Keys.

Environments

Environment	Key Prefix	Description
TEST	sk_	Sandbox — no real funds move
LIVE	sk_	Production — real transactions

Response Format

All responses share a consistent structure:

{
  "status": true,
  "message": "Human-readable message",
  "data": {}
}

Error Response

{
  "statusCode": 400,
  "message": "Descriptive error message"
}

Available Endpoints

Module	Base Path	Description
Accept Payment	/v1/transactions	Create crypto or fiat payment collection requests
Crypto Transfer	/v1/crypto-transfer	Send crypto to any blockchain wallet address
Fiat Transfer	/v1/fiat-transfer	Send fiat to a recipient's bank account
Mobile Money Payments	—	Accept and send mobile money, including Wave
Blockchain Address	/v1/blockchain-accounts	Generate permanent wallet addresses per customer
Supported Tokens & Networks	/v1/tokens	Discover enabled tokens and networks
Webhooks	—	Real-time event notifications
IP Allow-listing	—	Restrict API access to your server IPs
Account Notifications	—	Configure team email alerts for account events

Supported Fiat Currencies

NGN, ZAR, USD, and 8 mobile money currencies across East, West, and Central Africa — CDF, KES, RWF, SLE, UGX, XAF, XOF (including Wave), and ZMW — see Mobile Money Payments for the countries and networks.