Bill payments as a feature of your product
Electricity, airtime, cable TV and data bundles. One API, every biller. Your customers pay bills inside your product, you earn on every transaction.
- Every biller
- Real-time settlement
- Sandbox to test
Free to start · No monthly fee · Pay per transaction
API
POST /v1/bills/pay
Request
POST /v1/bills/pay
{
"biller": "ikeja-electric",
"account": "4101234567",
"amount": 15000,
"meter_type": "prepaid"
}
Response
{
"status": "success",
"data": {
"reference": "BL-8291",
"token": "1234-5678-9012",
"amount": 15000,
"units": "185.4 kWh"
}
}
Ikeja Electric · Prepaid token generated
200 OK · 1.2s
Your customers already pay bills — let them do it inside your product
Every platform has users who pay electricity, airtime and cable TV bills. If they leave your product to do it, you lose the engagement and the revenue.
Settle in real time
An electricity payment returns a token in under two seconds. An airtime top-up activates immediately. A cable TV subscription renews on the spot. The customer never waits.
One API, every biller
Electricity, airtime, data bundles, cable TV, internet and subscriptions. One integration covers all of them, with the same request format, the same response structure and the same webhook.
Resell as your own
The customer sees your branding, your product and your interface. Niimbu handles the biller integration underneath. You earn on every transaction without building connections to each biller.
From biller selection to settled, in four steps
Choose the biller
The API returns a list of supported billers with their categories, available products and pricing.
Send the payment request
POST to /v1/bills/pay with the biller code, customer account, amount and product type.
Payment settles
The API routes the payment to the biller. Electricity returns a token. Airtime activates immediately. Cable TV renews.
Webhook confirms
A signed payload arrives at your webhook URL with the payment details, reference and status.
Prepaid tokens in under two seconds
A customer enters their meter number and amount. The API routes to the DisCo, generates a token and returns it in the response. The customer enters the token and the light comes on.
- All major DisCos supported
- Prepaid and postpaid
- Token returned in the API response
API
POST /v1/bills/pay
Request
POST /v1/bills/pay
{
"biller": "ikeja-electric",
"account": "4101234567",
"amount": 15000,
"meter_type": "prepaid"
}
Response
{
"status": "success",
"data": {
"reference": "BL-8291",
"token": "1234-5678-9012",
"amount": 15000,
"units": "185.4 kWh"
}
}
Ikeja Electric · Prepaid token generated
200 OK · 1.2s
Let customers automate their bills
Your product can offer auto-pay as a feature. The customer sets a schedule, and the API sends the payment on the date they choose. You earn on every automated transaction.
- Auto-pay scheduling via API
- Customer controls the schedule
- Every payment fires a webhook
Auto-pay schedule
August 2026
Aug 12
Electricity
Aug 15
MTN Data
Aug 18
DSTV
Aug 22
Water Board
5 bills on auto-pay · Next: DSTV on Aug 18
What changes when bill payments are one API call
The usual way
- Building separate integrations to each biller
- No way to offer bill payments inside your product
- Customers leaving your app to pay bills elsewhere
- No automation — every bill is a manual click
- No revenue from bill payments
With Niimbu
- One API covers every biller
- Bill payments as a feature of your product
- Customers never leave your product to pay a bill
- Auto-pay scheduling via API
- Revenue on every transaction
The bills payment detail that real integrations need
No add-on modules and no higher tier. These are part of bills payment from the first API call.
Electricity payments
All major DisCos, prepaid and postpaid, token generation.
Airtime and data
All networks, all products, instant activation.
Cable TV
DSTV, GOTV, Startimes, subscription renewal and activation.
Internet
ISP payments for broadband and fibre services.
Biller catalogue
API returns available billers, products and pricing.
Webhooks
Real-time event delivery for every payment.
Idempotency keys
Retry safely without creating duplicate payments.
Sandbox
Test billers and test accounts, no real money moved.
Transaction history
Query past payments by reference, biller or date.
Every platform offers bills differently
The billers, the interface and the revenue model change by product. Pick the closest fit.
Fintech platforms
Offer bill payments as a feature inside your wallet, earning on every transaction.
SaaS platforms
Let customers pay utility bills from your dashboard, with auto-pay and reporting.
Marketplaces
Add bill payments to your marketplace, letting vendors pay utilities without leaving the platform.
USSD and agent platforms
Resell bill payments through USSD menus and agent networks, powered by the same API.
Schools and education
Let parents pay utility bills for school facilities through the school's portal.
Bills payment API
See how Niimbu compares with building direct integrations to each biller.
Your customers already pay bills. Let them do it inside your product.
Face value plus a small processing fee
There is no monthly platform fee. You pay the face value of the bill plus a small processing fee per transaction. You can mark up the face value and earn the difference.
- No monthly platform fee
- Revenue on every transaction
- Sandbox is free
Frequently asked questions
If your question is not here, the Help Centre goes deeper, or you can talk to someone on the team.
What billers are supported?
All major electricity DisCos (Ikeja Electric, Eko Electricity, etc.), all mobile networks (MTN, Airtel, Glo, 9mobile), cable TV providers (DSTV, GOTV, Startimes), internet service providers and more. The list grows regularly.
How quickly do payments settle?
Electricity payments return a token in under two seconds. Airtime and data activate immediately. Cable TV subscriptions renew within seconds. All are real-time.
Can I offer auto-pay as a feature?
Yes. The API supports scheduling. Your product can let customers set a date and the API sends the payment automatically. You control the UI; the API handles the execution.
How do I know the payment went through?
A webhook fires for every payment — success, failure or pending. The payload includes the reference, amount, biller and status. You can also query the status via the API.
Can I build my own interface on top?
Yes. The API is headless. You build the interface your customers see; the API handles the biller integration. Your branding, your product, Niimbu underneath.
Is there a sandbox?
Yes. The sandbox provides test billers that return predictable results. You can build and test the entire flow without moving real money.
What does it cost?
There is no monthly platform fee. You pay the face value of the bill plus a small processing fee per transaction. You can mark up the face value and earn the difference.
More from Embed
Build on the same rails your customers already trust. Each API shares accounts, ledgers and verification.
The simpler way to scale your business!
Start free and see it working today, or talk to us about pricing for teams and higher volumes.