Collections | Payonus

Everything you need to
collect payments reliably.

Multi-channel payments

Accept cards, bank transfer, USSD, and mobile money — all through a single integration. No switching between processors or managing multiple contracts.

Instant payment confirmation

Real-time webhook notifications the moment a payment clears. Build instant order confirmation, automated fulfilment, and live status tracking without polling.

Smart payment routing

Every transaction is automatically routed to the highest-success channel for that customer's bank and location — without any configuration from your team.

Hosted checkout page

A production-ready, mobile-optimised checkout page you can go live with in minutes. Custom branding, domain, and payment methods — no UI code required.

Automatic reconciliation

Every payment is automatically matched to your orders and tagged with your references. Exportable reports in CSV or PDF — ready for your finance team any time.

Retry logic built in

Failed payments are automatically retried on the next best channel. Higher conversion rates without any extra integration effort from your engineering team.

Built for SMEs.

Self-serve tools for merchants who don't need a full integration — set up in minutes, no developer required.

pay.payonus.com/2fK9xR

Amount due

₦45,000

Pay Now

CardBank TransferUSSDMobile Money

Payment Links

Share a link or QR code to collect payment — no checkout integration needed. Choose one-time, reusable, or group-contribution links, control how the amount works, and track who's paid from a live dashboard.

Get Started

Invoice#INV-0142

Product design — 3 units₦120,000

VAT (7.5%)₦9,000

Discount-₦4,000

Total₦125,000

Pay Invoice

↓ Download PDF

Invoicing

Create itemized invoices with VAT and deductions, then send a branded payment page your customer can pay in one click — with a downloadable PDF or receipt, on any device.

Get Started

Not formally registered yet? You can still onboard and start collecting — verified with your BVN, a government-issued ID, and proof of address instead of registration documents.