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Cards · On request

Verve

Verve is Nigeria's domestic card scheme, launched by Interswitch in 2009: the cards are issued by Nigerian banks, mostly as debit cards tied to a current or savings account, and they are among the most widely issued cards in the country. Online a Verve payment is verified with the card PIN and a one-time password, authorised in seconds and settled T+1; disputes follow the scheme's chargeback rules.

Enable via Tranzify See providers

Key facts

Countries
Nigeria
Currencies
NGN
Operations
Pay-in · Payout · Recurring · Refund
Settlement
T+1
Chargebacks
under the scheme rules

How a payment goes through

  1. 1The payer enters the card on the hosted checkout; the number is encrypted before it leaves the page
  2. 2The vault stores a token; routing picks the acquirer by BIN, country and amount
  3. 33-D Secure when the issuer asks; the acquirer authorises
  4. 4Callback to the merchant, status in the journal for five years

How a payment goes through

  1. The checkout takes the card on the payment form and recognises a Verve BIN, or uses a saved token.
  2. The payer confirms with the card PIN and the one-time password from the bank.
  3. The provider authorises the payment on the Verve network in seconds; settlement follows T+1.
  4. Tranzify writes the result and calls the merchant’s webhook.

Verve against international cards in Nigeria

Verve Visa / Mastercard
Operator Interswitch, since 2009 the international schemes
Cards debit cards from Nigerian banks, in naira debit and credit cards, also for payments abroad
Verification card PIN and one-time password 3-D Secure
Settlement T+1 T+1
Chargebacks scheme rules scheme rules
Recurring yes, with tokens yes, with tokens

A checkout for Nigeria that takes only Visa and Mastercard turns away the payers whose bank issued them a Verve card; recognising the BIN and routing it to a provider that acquires Verve closes that gap.

Who uses it

E-commerce, delivery and digital goods, where a Nigerian payer with a Verve debit card pays as with any card; travel for tickets paid in naira. A client (a payment company) enables Flutterwave or Paystack for Verve under its own contract; the integration is enabled on request. Refunds return to the card through the same provider.

How to connect

  1. 1Onboard with Tranzify and get your network, keys and back office.
  2. 2Enter your account with the provider in the terminal settings — Tranzify already speaks its API.
  3. 3Add routing rules: countries, currencies, amounts, BIN ranges, priorities and weights.
  4. 4Go live. Every payment, callback and retry is in the journal for five years.

Providers offering this method

On request — Request this integration

Industries

E-commerce & retailDigital goods & gamingTravel & mobilityDelivery & on-demand

Frequently asked questions

Is a Verve card accepted abroad?+
Most Verve cards are domestic debit cards used in naira; a checkout for Nigerian payers lists Verve next to Visa and Mastercard, because many payers hold only a Verve card.
Are there chargebacks?+
Yes, under the scheme rules, as with any card: the provider handles disputes and reports them. Refunds go back to the card through the same provider.
Who is the licensed party in Nigeria?+
A licensed local provider from the catalogue, Flutterwave or Paystack, holds the acquiring relationship under the Central Bank of Nigeria; the platform runs under the licensed client’s registration, and Tranzify supplies the software. The method is enabled on a client’s request.

Related methods

VI Visa Cards · 22 countries Available MA Mastercard Cards · 22 countries Available BA Bank transfer (NIP) Bank transfers & instant payments · 1 countries On request

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