Payments, Built for the Modern Economy
The all-in-one platform that empowers businesses and individuals to move money quickly, reliably, and securely.
Payments, Built for the Modern Economy
The all-in-one platform that empowers businesses and individuals to move money quickly, reliably, and securely.
Powered by Trusted Industry Partners
Built for Trust. Engineered for Scale.
Whether you're a startup, a growing SME, or a large-scale enterprise, 313 Payments delivers the infrastructure you need to accept payments, send money, and manage financial operations.
Fast transaction processing | Secure collections and payout | Real-time monitoring | Enterprise-grade reliability
Business Payments
Accept Payments Across Multiple Channels
A single integration gives your business access to:
Card Payments | Bank Transfers | USSD Payments | Payment Link | Checkout Pages | Invoicing
All transactions are processed securely and tracked through your merchant dashboard.
Simplify collections and accelerate growth with enterprise-ready infrastructure.
Accept Payments Across Multiple Channels
A single integration gives your business access to:
Card Payments | Bank Transfers | USSD Payments | Payment Link | Checkout Pages | Invoicing
All transactions are processed securely and tracked through your merchant dashboard.
Simplify collections and accelerate growth with enterprise-ready infrastructure.
Unlocking the Power of Digital Payments
Simplified overview of your business payments and transactions on our merchant platform
Trusted by Over 100 SMEs
Hear from other users like yourself
"313 has made our online collections seamless. Settlement is fast, and reconciliation has become far easier for our finance team."
Aisha Bello
Bello Fashion House — Retail Merchant
"Integrating 313 into our platform improved our customer payment success rate. The dashboard is straightforward, and our team uses it daily."
Chinedu Okafor
SwiftRide Logistics — Transportation & Delivery
"We process hundreds of customer payments weekly, and 313 has been dependable. The support team is responsive and very professional."
Maryam Sule
EduPay Africa — EdTech Merchant
"Since switching to 313, our business has experienced fewer failed transactions and faster payouts. It has genuinely enhanced our operations."
Tunde Alade
GreenFoods Market — FMCG Distributor
"313 simplifies how we issue invoices and track payments across all branches. It's efficient, secure, and perfect for growing businesses."
Olaide Johnson
SureCare Clinics — Healthcare Services
"313 has made our online collections seamless. Settlement is fast, and reconciliation has become far easier for our finance team."
Aisha Bello
Bello Fashion House — Retail Merchant
"Integrating 313 into our platform improved our customer payment success rate. The dashboard is straightforward, and our team uses it daily."
Chinedu Okafor
SwiftRide Logistics — Transportation & Delivery
"We process hundreds of customer payments weekly, and 313 has been dependable. The support team is responsive and very professional."
Maryam Sule
EduPay Africa — EdTech Merchant
"Since switching to 313, our business has experienced fewer failed transactions and faster payouts. It has genuinely enhanced our operations."
Tunde Alade
GreenFoods Market — FMCG Distributor
"313 simplifies how we issue invoices and track payments across all branches. It's efficient, secure, and perfect for growing businesses."
Olaide Johnson
SureCare Clinics — Healthcare Services
Frequently Asked Questions
313 Payments offers secure payment collection, payouts, transfers, utility payments, USSD payment options, payment links, online checkout, and merchant reporting dashboards—all built on CBN-regulated infrastructure.
Our platform serves SMEs, startups, large enterprises, e-commerce businesses, NGOs, schools, fintechs, associations, and any Nigerian business that needs to collect or disburse payments reliably.
Yes. 313 Gateway Ltd is licensed under the Central Bank of Nigeria as a Payment Solution Service Provider (PSSP – AIP status).
We follow industry-grade security standards, including PCI DSS compliance, encrypted connections, tokenized payments, and robust fraud prevention processes. Your data and transactions remain protected end-to-end.
We provide developer-friendly APIs, SDKs, and sandbox environments with clear documentation. Your developers can integrate collections, payouts, and checkout in a few steps.
Settlement cycles follow standard banking timelines (T+1 et.c). Merchants receive payouts based on agreed settlement windows.
We support card payments, bank transfers, USSD options (via partner banks), and multiple utility payment channels. More channels are added progressively as integrations expand.
Our support team is available via email, phone, and a dedicated ticketing system. We also have an account manager assigned to every corporate merchant.
Yes. Merchants get a dashboard with real-time transaction logs, settlement reports, customer insights, reconciliation tools, and performance analytics.
Simply create an account, complete the business verification process, upload required KYC documents, and our onboarding team will activate your merchant profile within a short window.
Finance, Reimagined for Everyday Use
Your 313 mobile app is designed to give you simple, secure, and instant access to the payments you need to make—whether you're paying a merchant, settling a levy, buying essential services, or completing everyday transactions.
Everything is built for convenience, speed, and reliability.
