SeerBit African Multi-Country Payment Gateway API
SeerBit African multi-country payment gateway REST API for African merchants, e-commerce platforms, and enterprises to accept card payments, mobile money, bank transfers, and USSD payments across Nigeria, Ghana, Kenya, Senegal, Ivory Coast, Uganda, Tanzania, Cameroon, and Rwanda — enabling unified African payment acceptance through a single API integration with local payment method support including GTBank, Zenith Bank, mobile money networks, and USSD payment channels. Enables AI agents to manage card payment for African merchant checkout automation, handle bank transfer for African B2B payment automation, access mobile money for African wallet payment acceptance automation, retrieve USSD payment for feature phone payment automation, manage payment link for African remote payment collection automation, handle refund for African payment reversal automation, access split payment for African marketplace payment split automation, retrieve transaction status for payment verification automation, manage webhook for African payment event notification automation, and integrate SeerBit with African e-commerce, marketplace, and subscription platforms for multi-country payment automation.
Score Breakdown
⚙ Agent Friendliness
🔒 Security
African payment gateway. Multi-country CBN, BOG. API key. West/East Africa. Card and mobile money data.
⚡ Reliability
Best When
An African merchant, e-commerce platform, or marketplace wanting AI agents to accept multiple payment methods (cards, mobile money, bank transfer, USSD) across West and East Africa through a single multi-country African payment gateway integration.
Avoid When
COUNTRY-SPECIFIC MERCHANT ACCOUNTS: SeerBit requires separate merchant account registration per country; automated single pan-Africa account assumption creates country_not_supported; automated must register in each target African country. CBN AND MULTI-COUNTRY REGULATIONS: SeerBit operates under multiple African central bank regulations (CBN Nigeria, BOG Ghana, CBK Kenya, etc.); automated single regulatory framework assumption creates country-specific compliance gaps; automated must comply with each country's payment regulations. CARD PAYMENT REQUIRES 3DS: African card payments typically require 3D Secure consumer authentication; automated card-token-only payment assumption creates 3ds_authentication_required; automated must implement 3DS redirect flow for card payments. USSD PAYMENT IS SYNCHRONOUS-WAIT: USSD payment sessions have timeout windows; automated unlimited wait assumption creates USSD session timeout; automated must handle USSD payment within session time limit.
Use Cases
- • Accepting card, mobile money, and USSD payments across multiple African countries through a single API integration automation agents
- • Processing Nigerian bank transfer and card payments for e-commerce merchant checkout automation agents
- • Managing split payments for African marketplace platforms distributing revenue to multiple vendors automation agents
- • Collecting payments via USSD for African merchants serving feature phone users in low-connectivity markets automation agents
Not For
- • Outside Africa (SeerBit focuses on African markets)
- • High-volume global enterprise (SeerBit is African-focused, not global payment processor)
- • Crypto and blockchain payments (SeerBit is traditional payment gateway)
Interface
Authentication
SeerBit uses public key + private key + bearer token for API authentication. REST API with JSON. Lagos, Nigeria HQ. Founded 2019 by Omoniyi Kolade and Benjamin Precious. Products: Card payment, bank transfer, mobile money, USSD, payment link, split payment, recurring billing. SDKs: JS, Python, PHP, Java. Countries: Nigeria, Ghana, Kenya, Senegal, Ivory Coast, Uganda, Tanzania, Cameroon, Rwanda (9 countries). Backed by investors including Y Combinator. Competes with Paystack and Flutterwave for African payment gateway.
Pricing
Lagos NG. Multi-country CBN, BOG, CBK. Per-transaction. 9 African countries. Multi-method acceptance.
Agent Metadata
Known Gotchas
- ⚠ DUAL KEY AUTHENTICATION: SeerBit uses both public key (for frontend/checkout) and private/secret key (for backend API calls); automated single-key assumption creates authentication_mismatch; automated must use appropriate key for each context (public for client-side, private for server-side)
- ⚠ 3DS REQUIRED FOR CARD PAYMENTS: African card payments require 3D Secure authentication with consumer redirect; automated no-redirect card charging assumption creates authentication_required; automated must implement 3DS redirect and callback handling
- ⚠ PAYMENT CHANNEL SELECTION: SeerBit requires specifying payment channel (CARD, ACCOUNT, MOBILE_MONEY, USSD) in transaction request; automated channel-auto-select assumption creates validation_error; automated must specify correct channel for each payment type
- ⚠ COUNTRY-SPECIFIC CURRENCY CODES: Each SeerBit country uses local currency (NGN, GHS, KES, XOF); automated USD-only assumption creates currency_not_supported per country; automated must map each African country to its local currency code
- ⚠ SPLIT PAYMENT REQUIRES PRE-CONFIGURED SUBACCOUNTS: SeerBit marketplace split requires pre-registered vendor subaccounts; automated dynamic split without pre-registration assumption creates subaccount_not_found; automated must pre-register vendor subaccounts before split payment
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Scores are editorial opinions as of 2026-03-07.