09 · API and host-to-host

Your ERP talks.Zaya listens.

Send payment files and pull statements straight from SAP, Oracle, Microsoft Dynamics or Sage X3 over encrypted SFTP, or build on our REST API and webhooks. Same approvals, same audit trail.

SAP S/4HANAOracle FusionDynamics 365Sage X3OdooISO 20022PGP + mTLS

POST /v1/payment-batches

# Create a batch. It waits for checkers like any other.
curl https://api.zaya.business/v1/payment-batches \
  -H "Authorization: Bearer zc_test_••••" \
  -H "Idempotency-Key: ilu-ap-2026-11-06-01" \
  -d '{
    "entity": "ilu-foods-ltd",
    "currency": "NGN",
    "rail": "nip",
    "items": [{
      "nuban": "0123456789",
      "name": "Adebola Farms Ltd",
      "amount": 18450000,
      "ref": "INV-77812"
    }]
  }'

# 201 Created
{ "id": "pb_7Gk2", "status": "awaiting_checker",
  "name_checks": { "passed": 1, "held": 0 } }

RESTAccounts, balances, payments, FX quotes, cards and LCs, all with idempotency keys and sandbox parity.
WebhooksSigned events for credits, approvals, settlements and discrepancies, delivered in under a second.
H2HSFTP with PGP and a fixed IP allow-list. Drop PAIN.001, get back PAIN.002 and CAMT.053.
SecuritymTLS, scoped keys per entity, and approvals that the API can't bypass.
Status99.95% uptime target, with incidents published to a status page your ops team can subscribe to.

See keys and H2H in the demo

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Tunde Oyelaran

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+234 803 412 7790

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