Global Payments & Currencies

SettleSettle acts as a smart orchestration and dynamic ledger layer sitting directly on top of global fiat gateways and Web3 payment networks.

Core Payment Rails

SettleSettle leverages multiple payment rails to deliver frictionless checkouts globally:

1. Card & Bank Transfer (Fiat - Local & Global):

• Paystack (NGN): Best suited for local Naira transactions (fiat cards, bank transfers, USSD).
• Flutterwave (Non-NGN Fiat): Automatically routed for all non-NGN currencies (USD, GHS, KES, ZAR, etc.), allowing smooth global card processing and dynamic checkout initialization.
• Integrates split payout logic that routes earnings automatically into your destination ledger.

1. Web3 Native (Crypto - USDC / SOL):

• Powered by Solana Devnet and Mainnet-Beta.
• Zero-latency peer-to-peer settlement directly into developer wallets using standard SPL tokens.
• Bypasses traditional banking hours, payment limits, and card disputes.

Multi-Currency Framework

SettleSettle supports absolute isolation of pricing models across active currencies. By defining your target currency, our orchestration layer dynamically dispatches the transaction to the optimal provider gateway under the hood (e.g. NGN → Paystack, all other fiat currencies → Flutterwave).

• NGN (Nigerian Naira): Tailored for local checkouts via bank transfers or cards.
• Non-NGN Fiat (USD, GHS, etc.): Managed via Flutterwave globally.
• USDC (USD Coin): Tailored for high-growth global platforms. Allows seamless Web3 checkouts using standard SPL tokens.

Dynamic Payment Initialisation

To provision a secure checkout link regardless of the provider rail, call settle.payments.initialize() from your secure backend environment. SettleSettle dynamically selects the correct provider based on the specified currency:

const session = await settle.payments.initialize({
  endUserId: "user_456",
  email: "customer@global.com",
  amountKobo: 250000, // ₦2,500, $25.00, or 25.00 USDC depending on currency parameters
  currency: "NGN", // "NGN" | "USD" | "USDC" | etc. (Defaults to App currency)
  provider: "paystack", // "paystack" | "solana" (Orchestrator dynamically swaps to Flutterwave for USD fiat)
  callbackUrl: "https://yourapp.com/dashboard/billing",
  metadata: {
    custom_tier: "enterprise_pro"
  }
})

// Redirect the end-user to complete payment securely
console.log(session.checkoutUrl)