Starter
Free
Collect and reconcile while you integrate. No platform subscription.
AI HUB · Africans building for Africans
Naira in. Books that balance.
AI HUB Pay collects for schools, marketplaces and software products, then records every kobo as a double-entry liability. It is not a bank, not the issuer of cNGN, and not a wallet custodian.
cNGN is not connected on this deployment. Collections stay pending until credentials are set. Nothing is invented in their place.
01
Collect
Temporary virtual accounts when cNGN issues them. Unique references. Customers pay the bank details, not a button that says they paid.
02
Reconcile
deposit.completed is a notification. The order is credited only after Get Transaction returns success, once, under an idempotency key.
03
Settle
A payout holds the balance. The person who requested it cannot approve it. Real redemptions wait for verification and a confirmed webhook.
Shared rails for the AI HUB family
Malam.app, OpenLibrary.ng, OpenJob, KadRoot.ng and Arewa.org call the same merchant API. Test keys and live keys are separate. Live keys stay off until the business is verified and an operator unlocks production.
Malam.appOpenLibrary.ngOpenJobKadRoot.ngArewa.org
Business
₦10,000.00 / month
₦10,000 monthly. Higher limits, webhooks, and live keys once production is unlocked.
Growth
₦25,000.00 / month
₦25,000 monthly. For marketplaces and campuses moving volume every day.
Enterprise
Custom
Custom pricing, white-label checkout, and a shared merchant API across AI HUB products.