Accept Kuda
without building the integration
Kuda is a licensed Nigerian digital bank whose Business Open API gives merchants virtual accounts, transfers and instant settlement. It is a banking API rather than a card gateway — the distinction matters, because card acceptance is not what it is for.
- NGN
- Region
- Nigeria
- Methods
- 2
- Credentials
- Server-side only
- PaymentHood fee
- None
- Status
- Live
What is Kuda?
- Coverage
-
- Nigeria
Among the markets Kuda serves — their own list is authoritative (opens in new tab).
- Currencies
-
- NGN
Among those supported. Which ones your account can charge in depends on its registered country.
- Fees
- Set and billed by Kuda, and published on their pricing page (opens in new tab). PaymentHood adds nothing on top, at any volume.
- Official resources
- Website (opens in new tab) · Developer docs (opens in new tab)
Written against Kuda's own documentation on . This page deliberately states no fees, no counts and no completeness claims, because those change without notice — for anything you are about to build on, Kuda's own documentation (opens in new tab) is the authority.
Kuda payment methods
Every method below runs through the same PaymentHood checkout. Turning one on or off is a dashboard setting, not a code change.
Virtual accounts
A dedicated account number per customer or per transaction
Bank transfer
Collection and instant settlement over Nigerian bank rails
Kuda fees and pricing
Two separate bills, and only one of them exists.
- What PaymentHood charges
- Nothing on your Kuda transactions. No percentage and no per-transaction cut, at any volume. Every payment feature is free, and the optional Premium plan only adds white-label checkout branding.
- What Kuda charges
- Kuda sets its own rates and bills you directly. PaymentHood never sits between you and that invoice, so switching to or from Kuda changes what you pay Kuda and nothing else.
- What moves the rate
- Payment providers price per market and per method rather than as a single global figure. It also accepts 2 different payment methods, and card, transfer and wallet rails each carry their own cost.
- Where to check the figure
- Kuda publishes current rates on their pricing page (opens in new tab). That is the authority, not this page. We deliberately quote no numbers here, because a rate that has quietly changed is worse than no rate at all.
How PaymentHood works with Kuda
A direct Kuda integration is not just an API call. These are the parts every team ends up rebuilding — and the parts PaymentHood ships already done.
- Credentials
- API key and client credentials, held server-side in PaymentHood
- Webhook security
- Signed credit notification, validated before an order is released
- Payment verification
- Server-side transaction confirmation before fulfilment
- Idempotent charge creation, so a retried request never double-charges a customer
- Automatic failover to another configured provider when Kuda is unreachable
- One reconciliation view across Kuda and every other provider you run
- Provider credentials never reach the storefront or the customer's browser
- Adding or switching a provider later is a dashboard change, not a re-integration
Kuda integrations by platform
Install the free PaymentHood plugin for your store, then enable Kuda in your dashboard.
How to connect Kuda
Open your Kuda account
Register directly with Kuda and complete their onboarding. Funds settle from Kuda into your own bank account — PaymentHood never holds merchant money.
Add the credentials to PaymentHood
Paste your Kuda API credentials into the PaymentHood dashboard. They are stored server-side and never exposed to your storefront.
Enable it at checkout
Install the PaymentHood plugin for your platform, paste your PaymentHood API key, and Kuda appears as a payment option. Test in sandbox, then switch to live.