African marketplace
One payment platform. Many ways to get paid.

Payments, made simpler.

Accept, collect and manage payments for schools, shops, events, businesses and organizations — all from one Sendjoor account. Paying someone? Search below and pay in a few taps.

Or pay school fees by searching your child's name

Payment received

Asante Fashion Hub

₦0

LIVE · Confirmed

send
joor
Business paymentsOnline storefrontsSchool feesEvent ticketsSend moneyDeveloper APISandbox modeLicensed banking rails
Two ways to use Sendjoor

Get paid as a business. Add a shop only if you want one.

Every business gets the payment tools. A storefront is a separate, optional extra for selling products online — it belongs to your business and pays into the same account.

Business & Organisation

Collect payments. Run your business. Stay in control.

Manage your business payments in one place. Receive payments, create payment requests and invoices, monitor transactions, manage your team, and access the tools your business needs — without having to build an online store.

  • Payment requests with a one-time account number
  • Invoices, transactions and reports
  • Team members with their own roles
  • Business API keys and webhooks
Storefront & E-commerce

Bring your products online.

Create a public storefront, showcase your products, accept online orders, and manage sales through Sendjoor's payment infrastructure.

  • Product catalogue with photos
  • Cart and checkout for your buyers
  • Order management
  • Your own shop link — publish or pause any time
Live payment simulation

Watch a payment move, fee and all.

This is exactly what happens the moment someone pays through Sendjoor — no bank visit, no waiting.

School fees · 16s walkthrough

A parent pays school fees in a few taps.

9:415G
Pay school feessendjoor

Search your child's school

Greenfield

Greenfield Academy

School · pay fees

1/5 · 16s

Illustrative walkthrough — names and amounts are examples.

Behind the scenes

Where the money goes, step by step

Amaka taps “Pay” on Greenfield Academy's fee page…

Amaka

Parent · pays

₦85,000

S

sendjoor

always on

Greenfield Academy

Recipient

…

Paid

₦85,000

Sendjoor fee

₦150

Recipient gets

₦84,850

Licensed banking rails, always secure

Instant — no queues, no office hours

Feels like a native app, on any phone

One Platform, Many Ways To Get Paid

Whatever you're collecting for,
Sendjoor fits.

School fees, online orders, event tickets, or a business of your own — one account runs all of it.

9:415G
Pay school feessendjoor

Search your child's school

Greenfield

Greenfield Academy

School · pay fees

Tuition₦85,000
Pay ₦85,000

Payment confirmed

Greenfield Academy has been paid

School Fees

Parents search their child's school and pay in a few taps. Schools see who's paid, instantly.

Online Storefronts

Buy from a shop's storefront in a few taps, or create your own storefront and get paid into your business account.

Events

Find what's on and buy a ticket in a few taps, or sell Regular, VIP and table tickets to your own crowd.

Businesses & Organisations

Clubs, associations, cooperatives, service businesses — collect payments, send invoices and manage your team, no online shop needed.

Send & Receive

Move money out to a bank account whenever you need to, straight from your Sendjoor balance.

Something else?

If you're collecting or sending money for something not listed here, we'd still like to help.

How It Works

Finance made
beautifully simple.

01

Create Your Account

Sign up in under 2 minutes. No paperwork, no bank visit.

02

Add Your Business

Register your business, school, event or organisation — add an online shop only if you want one.

03

Start Getting Paid

Accept payments, collect fees, and watch your balance grow.

Using Sendjoor on mobile

Payment Received

₦0 from 0 students

Your Dashboard

Every payment, in one place.

Balance, transactions and reports for every school, shop or event you run — updated the moment a payment lands.

Dashboard

Balance

₦0

Sample data, for illustration

Today

₦0

0 payments

This month

₦0.0m

0 payments

This year

₦0.0m

0 payments

Recent activity

School fee — Greenfield Academy₦45,000
Order — Amara's Fashion House₦12,500
Event ticket — Lagos Tech Meetup₦5,000
Transfer out — GTBank •••1234₦80,000

Last 12 months

School Fees

Fee collection,
without the queue.

Set up your terms and fee items once. Parents search your school's name, find their child, and pay — you see every payment land in real time, no reconciling paper receipts.

School
Student
Fee
Payment
Confirmation

Greenfield Academy

Amaka O. — JSS 2, 1st Term

Tuition₦85,000
Books & materials₦12,000
Total₦0
Payment confirmed
Paid · just now

Amara's Fashion House

Ankara wrap dress × 1₦18,500
Beaded necklace × 2₦9,000
Total₦0
Business received payment
Storefront & E-commerce

Sell online,
get paid straight in.

An optional storefront for your business: list your products, customers check out in a couple of taps, and the money lands in your business account — no separate payment gateway to wire up.

Product
Checkout
Payment
Confirmation
Business receives payment
Events

Ticket sales that
check themselves in.

Set your ticket types and prices, sell online, and check people in at the gate with a scan of their digital ticket — no printed list, no guesswork.

Event
Ticket / registration
Payment
Digital confirmation
Already bought a ticket? Manage it

Lagos Tech Meetup

Regular ticket × 1₦5,000
VIP ticket × 1₦15,000
Total₦0
Ticket ready to claim
Trust & Security

Built to be trusted with money.

Secure by design

Your card details never touch our servers — payments run through tokenized, encrypted channels end to end.

Full transaction visibility

Every payment is recorded on your ledger the moment it lands. Your balance is never a guess.

Verified accounts

Identity and business verification (KYC) run before money moves out, protecting your account from misuse.

Payment monitoring

Unusual activity can restrict outgoing payments automatically while money coming in keeps flowing.

Authenticated access

Every session and API key is scoped to what it's allowed to do — nothing more.

Reliable rails

Built on licensed banking infrastructure, not a workaround — your money moves through real bank rails.

Developers

Build payments into
your own product.

Take an API key and start creating charges directly from your own app or site — sandbox mode first, live mode when you're ready.

  • REST API for charges and transfers
  • Scoped, revocable API keys — live and sandbox
  • Idempotent charge creation, safe to retry
  • A sandbox mode that never touches a real bank
sandbox
curl https://api.sendjoor.com/v1/charges \  -H "X-API-Key: pk_test_..." \  -H "Idempotency-Key: $(uuidgen)" \  -H "Content-Type: application/json" \  -d '{    "amountKobo": 500000,    "currency": "NGN",    "channel": "bank_transfer",    "customer": { "email": "buyer@example.com" }  }'
Partner Program

Earn by bringing others to Sendjoor.

Refer schools, shops, event organizers, or businesses with your own link. Every one they sign up and every payment they collect earns you a commission, plus a signup bonus per referral.

Your own referral link to share

Commission per transaction + signup bonuses

Onboard any school, shop, or event

Voices of Nigeria

Real stories, real impact.

“Sendjoor transformed my business. My customers pay instantly and I never have to chase a bank transfer again.”

Amara Okafor

Amara Okafor

Fashion Designer, Lagos

“The API integration was seamless. We launched our marketplace in 2 weeks with Sendjoor as the backbone.”

Kwame Asante

Kwame Asante

Tech Entrepreneur, Abuja

“School fee collection used to be a nightmare. Now parents pay online and I have full visibility.”

Fatima Musa

Fatima Musa

School Principal, Lagos

Ready to make payments simpler?

Whether you're collecting school fees, selling online, running an event, or building a growing business, Sendjoor helps simplify the way you get paid.