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Welcome to Handle Developer Docs

Handle is an Account-to-Account (A2A) payment orchestration rail and developer platform. It allows merchants, e-commerce stores, and in-person retail businesses to accept seamless payments directly from customer bank accounts with zero cards, zero form filling, and zero SMS OTP drop-offs.

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Why Build with Handle?

Zero Cards & Zero Drop-Offs

Customers pay directly from their linked Nigerian bank accounts using pre-authorized mandates.

Instant T+0 Settlement

Funds are settled directly into your Nigerian bank account immediately upon payment confirmation.

Competitive Flat Pricing

Flat 2.0% transaction fee capped at ₦2,000 per successful payment.

SoftPOS & In-Store Ready

Accept payments in retail stores using dynamic QR codes or direct handle prompts on any phone.

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The 3-Step Checkout Handshake

  1. Resolve Handle (POST /v1/charges/resolve-handle): Look up the customer’s avatar and only bank accounts with active mandates.
  2. Dispatch Authorization (POST /v1/charges/dispatch): Send a high-priority biometric push notification or generate a dynamic QR code.
  3. Instant Webhook (charge.success): Receive cryptographic HMAC-SHA512 webhooks and fulfill orders immediately.

Next Steps: 5-Minute Quickstart

Follow our step-by-step guide to make your first test payment in under 5 minutes.