[ ]Developer Platform

API-First Tools forPayments, Treasuryand Settlement

Build with REST APIs, webhooks and SDKs — quickly integrate payments, collections and treasury workflows with clear documentation, sandbox keys and example code.

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SDKs forNode.jsPythonJava·Postman collection

Quick links

API reference Developer support

api.usepilot.co

payout.js

webhook.js

auth.js

// Initiate a cross-border payout

const response = await fetch(

'https://api.usepilot.co/v1/payouts',

{

method: 'POST',

headers: {

'Authorization': `Bearer ${apiKey}`,

'Content-Type': 'application/json'

body: JSON.stringify({

amount: 34000,

currency: 'NGN',

destination: 'bank_account',

recipient_id: 'rec_9xk2mA'

})

}

);

200 OK

142ms

Webhook received

payout.completed · just now

Sandbox active

Core Features

Everything developers need to build

REST APIs, webhooks, SDKs and sandbox tools — integrate payments, collections and treasury workflows in hours, not weeks.

API-first, RESTful Endpoints

Well versioned REST APIs, idempotent requests, and consistent pagination for predictable integrations.

Learn more

Webhooks & Event-driven Updates

Asynchronous notifications for payments, settlements and compliance events with retry semantics and signature verification.

Learn more

Official SDKs & Samples

Pre-built SDKs for Node, Python and Java plus code samples, Postman collections and CLI tooling to speed prototyping.

Learn more

Security & Compliance

API keys, HMAC-signed webhooks, tokenisation and PCI-compliant payment flows to protect production systems.

Learn more

curl -X POST \

https://api.pilotfinance.co \

-H "Authorization: Bearer sk_test_..." \

-d '{"amount":1000}'

200 OK

Sandbox & Testing

Full sandbox environment with test keys, mock webhooks and simulated payment flows — ship with confidence.

Learn more

[ ]Platform features

Built for developersand businesses

Authentication & keys

Use scoped API keys for sandbox and production. Rotate keys at any time; use restricted keys for webhooks and client-side flows to limit blast radius.

Server-side secret keys (keep off client)

Restricted publishable keys for tokenisation

Key rotation and usage logs

Rate limits & SLA

API Keys

● sandbox

Secret key

sk_test_•••••••••••••••••••xK9m

Publishable key

pk_test_•••••••••••••••••••7Rqv

Webhook secret

whsec_•••••••••••••••••••4Lnx

Last rotated: 3 days agoRotate keys

Rate limits

500 req/min

Current usage342 / 500

0500 rpm

Standard

500 requests / minute

Your plan

Growth

2,000 requests / minute

Upgrade

Enterprise

Custom limits

Recent events

Live

POST

payout.completed

{"id":"pay_9xK2m","status":"settled"}

just now

200

POST

fx.rate.updated

{"pair":"USD/NGN","rate":1423.5}

1m ago

200

POST

collection.received

{"amount":50000,"currency":"NGN"}

4m ago

200

POST

payout.pending

{"id":"pay_3rN8p","dest":"bank"}

9m ago

200

POST

payout.failed

{"id":"pay_7vL1q","error":"nsf"}

12m ago

Failed

Install SDK

v2.4.1

Node.js

npm install @pilotfinance/node

Python

pip install pilotfinance

Java

implementation 'co.usepilot:sdk:2.4.1'

Postman collection

Download

Sandbox transactions

Test mode

INV386Completed🇨🇦Canada$1,050

INV384USD🇺🇸United States$1,500

INV385EUR🇫🇷France€1,200

INV386Pending🇬🇧United Kingdom£900

4 test transactionsReset sandbox →

Market Coverage

Access seamless payments in major currencies

Corridors: Africa ↔ Global — with deep liquidity and local settlement expertise.

Get exclusive rates

NGN

KES

GHS

UGX

EUR

GBP

USD

CNY

140+

Currencies

Countries

24hr

Settlement

NGN

KES

GHS

UGX

EUR

GBP

USD

CNY

140+

Currencies

Countries

24hr

Settlement

IMTO

Get started today

Ready to movemoney globally?

Open your Pilot Finance business account today — global payments, simplified. No hidden fees, no slow settlements.

CBN Licensed

•

256-bit Encryption

•

140+ Currencies

Create account Talk to sales

No credit card required · Free sandbox access

125M+

Successful Payments

24hrs

Average Settlement

140+

Supported Currencies