Business payment infrastructure

Payments that clear, verified before they settle.

ArvethPay is infrastructure for businesses that need to collect and verify payments — an embeddable widget, a merchant dashboard, and a reconciliation layer that checks every receipt before a sale is marked paid.

Secure connection System operational

How a payment settles

Product preview

What you get when you launch.

A sign-in screen for your business, and a dashboard that tracks every request, transaction, and error as it happens.

ArvethPay sign-in screen with an email or username field and a 6-digit PIN field
ArvethPay merchant dashboard showing balance, API requests, transaction count, and a monthly transaction chart
Who we are

Built for businesses, not for shortcuts.

ArvethPay is payment infrastructure for businesses — there is no personal tier, because the problem we solve is a business problem. We give merchants three things: a widget that collects payments directly on their own site, a dashboard that tracks every transaction, and a verification layer that checks bank receipts before a sale counts as paid.

Every balance, every payout, and every verification decision happens on our servers, not in a customer's browser. That distinction sounds small until it's the reason a payment can't be forged, a balance can't be edited from the outside, and a receipt can't be faked past reconciliation.

How it works

Four steps, each one checked before the next starts.

01 · Connect

Add your API key

Drop the widget script into your site with an avt_-prefixed key. It renders in place, styled to match your brand.

02 · Collect

Customer pays

The buyer pays into one of your verified settlement accounts and submits or uploads the receipt.

03 · Verify

We check the receipt

Smart Scan extraction and manual reconciliation confirm the receipt matches the bank record before anything is marked paid.

04 · Settle

Funds route through

Settlement rotates across your verified accounts, so no single account carries every transaction.

Why ArvethPay

Most payment scripts trust the browser. We don't.

A lot of lightweight payment tools check balances and confirm sales client-side — which means anyone who can open dev tools can potentially edit them. Here's what we do differently.

Typical script
ArvethPay
Balance checked in the browser
Balance is server-authoritative, checked on our infrastructure
One fixed receiving account
Settlement rotates across three verified accounts per merchant
Payments land in their virtual account first — you pay a percentage to withdraw your own balance
Payments settle straight into your own verified bank accounts — no withdrawal fee, and no holding step for the money your customers send you
Receipts taken on trust
Every receipt is Smart Scan verified and reconciled against the bank record
Processing fees passed to buyers
No processing fees on buyer-facing transactions
Generic hosting, variable latency
Deployed on Cloudflare's edge network worldwide
Pricing

One paid plan. No cut of your sales.

Every account is a business account — start free, upgrade when your request volume grows.

Free

₦0/month

  • 200 API requests per month
  • 1,000 lifetime request cap
  • Merchant dashboard access
  • Embeddable payment widget
  • KYC verification included
Start free
Most merchants choose this

Paid

₦3,000/month

  • 150,000 lifetime API requests
  • Dedicated pages for your own storefront
  • Donation pages, powered by ArvethPay
  • Workshop sandbox for testing integrations
  • Priority support
Upgrade to Paid

Occasional discounts are applied automatically at checkout — server-verified, never negotiated.

Premium features on the Paid plan

Dedicated pages

Design and host a static storefront page for your products, with checkout already wired to your ArvethPay account — no separate hosting to set up.

Donation pages

Spin up a page to collect donations of any kind — verified and settled the same way as every other ArvethPay transaction.

What people are saying

Merchants trust ArvethPay with real money.

Recognition

Awards, from the merchants and communities we serve.

2024

Most Trusted Payment Gateway

Voted by merchants across our West African markets for verified settlement and fast dispute resolution.

2025

Best Emerging Fintech

Recognized for the rotating-account settlement model and receipt verification layer built for small businesses.

2025

Customer Choice — Reliability

Selected by merchant vote for uptime and transparent handling of failed or disputed transactions.

Under the hood

Security isn't a feature we bolted on.

PBKDF2-hashed credentials AES-GCM encrypted KYC data Bot protection on every session Session tokens never stored raw Edge-deployed, globally