KARRABO
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Karrabo

Payment Gateway

Process payments securely across cards, bank transfers, wallets, QR, and alternative payment channels through a high-performance gateway built for speed, reliability, and scale.

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Accept Payments Everywhere

Accept payments cleanly across multiple payment modes. High redundancy and live failover models ensure the highest success rates in the country.

Pay with card checkout screen

Card

Provide customers with the convenience of paying instantly using the world's most widely accepted payment method.

  • Fast payment confirmation
  • High customer adoption
  • Supports e-commerce and in-store payments
  • Increased conversion rates through seamless checkout
Processing Time<1.3s
Availability99.9%
Pay with bank transfer checkout screen

Bank Transfer

Enable customers to transfer funds directly from their bank accounts.

  • Instant bank transfers
  • Virtual account payments
  • Dynamic account generation
  • Automated payment confirmation
  • Real-time reconciliation
Processing Time<1.3s
Availability99.9%
Pay with QR code checkout screen

QR Code

Enable customers to scan and pay instantly.

  • Contactless payments
  • Lower hardware requirements
  • Faster checkout
  • Easy merchant adoption
Processing Time<1.3s
Availability99.9%
Pay with wallet checkout screen

Wallet

Our digital wallets simplify payments by allowing users to pay instantly using stored balance.

  • Extremely fast checkout experience
  • Higher mobile conversion rates
  • Tokenized security (no exposed card/bank data)
  • Perfect for micro-transactions and everyday payments
Processing Time<1.3s
Availability99.9%
Pay with USSD checkout screen

USSD

Let customers without a smartphone or data access pay by dialing a simple USSD code on any mobile phone.

  • No internet connection required
  • Works on any mobile phone
  • Simple dial-code flow
  • Wide reach across feature phones
Processing Time<1.3s
Availability99.9%
Pay with direct bank transfer checkout screen

Direct Transfer

Allow customers to authorize payments directly from their bank accounts without requiring a card.

  • Extremely trusted in emerging markets
  • Lower transaction fees compared to cards
  • Ideal for high-value transactions
  • Reduces chargeback risk significantly
Processing Time<1.3s
Availability99.8%

API Reference

Our API features intuitive, resource-oriented URLs that simplify integration and enhance usability.

gateway-checkout.json
// Initialize Wallet secure payments gateway client
const wallet = require('@wallet-gateway/sdk')('wl_live_8f0a21bc90aef');
 
// Setup instant dynamic checkout model
const charge = await wallet.payments.create({
  amount: 5500000, // ₦55,000.00 in minor currency
  currency: 'NGN',
  email: 'customer@business.com',
  channels: ['card', 'bank_transfer', 'qr'],
  metadata: { order_id: 'ord_9042a' }
});
 
// Automatically routes user to custom secure portal
console.log(`Secure Routing initiated. Direct checkout link: ${charge.checkout_url}`);
UTF-8 · JSON · Ln 14, Col 3

Interactive Sandbox

Simulate and verify incoming webhooks with our local CLI test kits.

PCI Level 1 Shield

Every single transaction payload tokenized before routing.

Instant Webhooks

Receive absolute event triggers within 200ms of approval states.