Developers
BILL PAYMENT INFRASTRUCTURE

Everything You Need to Offer Bill Payments & More to Your Customers

Add bill payments, airtime, data, and other digital services to your business, or launch your own complete platform from day one without the usual headaches.

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⚡Fast Integration • Ready to Use • Reliable Service
POWERING BUSINESSES, FINTECHS & PLATFORMS
Partner Partner Partner Partner Partner Partner Partner
₦500M+ Transaction Value Processed
20+ Integrated Services & Rails
4+ Years Experience in Bill Payment
WHAT YOU CAN OFFER

Everything you need

Expand your services with high-demand telecom connectivity, utility bills, global payments, reward vouchers, and solar hardware without managing individual providers.

Connectivity

Airtime, Data & Broadband

Automated local and international airtime and mobile data top-ups via direct network integrations.

MTN Airtel Glo 9Mobile Smile Spectranet
Utility Bills

Power, TV, Exams & Bulk SMS

Instant token generation for electricity, seamless TV subscriptions, Exam Pins (WAEC/NECO), and high-delivery Bulk SMS.

Abuja Electric Token
₦15,000
4521 8903 1124 5567
Global Payments

Virtual Dollar Cards

Issue programmable USD cards for international subscriptions.

**** **** **** 4092
Growth

Rewards, Vouchers & Gift Cards

Distribute branded digital gift cards, printed recharge cards, data cards, and customer loyalty vouchers instantly.

₦10,000
Reward Voucher
E-Commerce

Phones, Gadgets & Solar

Sell phones, laptops, gadgets, and solar products directly without managing inventory.

TWO WAYS TO USE TOPUPMATE

One powerful engine.

Whether you are expanding an existing product or starting an entirely new business from scratch, you can get started easily.

FOR EXISTING APPS & FINTECHS

Connect: Add Services to Your Business

Plug bill payments and reward vouchers directly into your existing user flow via unified REST APIs.

1. Integrate API 2. Pick Services 3. Go Live
FOR ENTREPRENEURS & PLATFORM OWNERS

Build: Launch Your Own Platform

Launch and operate your own branded bill payment business without writing code or managing backend infrastructure.

1. Choose Setup 2. Set Your Margins 3. Start Selling
TOPUPMATE

BUILT WITH ❤️

By a passionate and dedicated team that understands your challenges and listens with you in mind. We’re here to build, grow, and create solutions tailored to your needs, any time, any day.

Meet the team & talk with our founders →
Topupmate Team
🟢 Real Humans • 24/7 Rails
⚡ Always In Your Corner
PROVEN OUTCOMES

Loved by founders

See how businesses leverage Topupmate to launch faster, automate transactions, and grow revenue.

⚡ Ready-made Platform

"Topupmate has consistently delivered innovative solutions giving my brand a clear edge in the VTU industry. Their core software keeps evolving with powerful features, strong security, and excellent support. I highly recommend them."

Mr. Theophilus
Mr. Theophilus
CEO, JetaSub
📈 Scalable & Secure

"Topupmate has transformed how we manage users, boost profits, and secure our business. I'm truly grateful to be part of the Topupmate family. The reliability and performance are unmatched."

Aminu Dahiru
Aminu Dahiru
CEO, ZYK Data
🎁 Growth & Support

"After 3 years with Topupmate, the experience has been nothing short of amazing! From top-notch services to excellent support and growth-driven initiatives like referral packages and boot camp training, Famsub has truly benefited."

Chieke Franklin
Chieke Franklin
CEO, Famsub
FREQUENTLY ASKED QUESTIONS

Common questions

Can't find the answer you're looking for? Reach out to our support team anytime.

What is the primary difference between Connect and Build?
Connect is designed for businesses with an existing app, website, or fintech who want to plug in bill payment capabilities and reward vouchers via REST APIs. Build is for entrepreneurs and businesses who want a complete, ready-made branded website and app to launch their own bill payment business from scratch.
Can I choose exactly which services are enabled on my platform?
Yes. You have complete modular control. Whether you only want airtime and data, utility bills, digital reward vouchers, virtual dollar cards, or tech hardware, you can activate only the services relevant to your audience.
Do I need technical or coding experience to use Topupmate?
For Build, no coding experience is required—we handle the setup, hosting, and service rails while giving you an intuitive admin dashboard. For Connect, your engineering team can integrate using our standard REST API documentation and code samples.
How does Topupmate handle provider downtime?
Topupmate uses an intelligent multi-provider routing engine. If a primary network or utility aggregator suffers a downtime event, our system automatically routes transactions to healthy backup channels to prevent failed transactions.
How do I get started?
Simply click 'Get Started' or select either Connect or Build. You can instantly access the sandbox API documentation or schedule an onboarding setup with our team.
START TODAY

Ready to get started?

Choose the path that matches where your business is today and get started in minutes.

FOR EXISTING APPS & FINTECHS

Connect with Topupmate

Plug our unified API directly into your existing user experience and unlock everyday utilities, vouchers, and card rails.

Connect with Topupmate →
FOR ENTREPRENEURS & PLATFORM OWNERS

Build with Topupmate

Launch your own branded bill payment portal and digital services platform with all rails, wallets, and portals pre-configured.

Build with Topupmate →
CHOOSE YOUR PATH

How would you like to use Topupmate?

Select the option that best describes what you want to achieve today.

Not sure? Talk to our team →