Business plan — live now
Escrow infrastructure for platforms that move real money.
Upgrade to Business for live API keys, webhooks, the merchant console, and the lowest published fee tier. Sandbox keys stay free on every account — go live when KYB is approved.
After upgrade: complete merchant KYB onboarding so we can approve live access.
Live API keys
Issue hpay_live_ keys after KYB approval. Same endpoints as sandbox — real money, real webhooks.
Webhooks & merchant console
Register endpoints for funded, delivered, released, and dispute events. Manage keys and transactions in /merchant.
Hosted checkout & popup
Redirect buyers to /checkout/{reference} or open harrenapay.js popup — escrow VA funding without building a payment UI.
Lowest published fees
0.7% sender · 0.3% receiver (caps ₦3,000 / ₦1,500). ₦5M daily · ₦50M monthly limits. Dedicated support.
What you get on Business
- 0.7% sender fee (₦3,000 cap) · 0.3% receiver fee (₦1,500 cap)
- ₦5,000,000 daily · ₦50,000,000 monthly transaction limits
- Live merchant API (escrow initiate, charge, deliver, release, webhooks)
- Merchant console at /merchant after KYB approval
- Free sandbox (hpay_test_) on any plan — live keys after approval
- Dedicated support with 1-hour response target
Talk to sales
High volume, marketplace integration, or custom limits? Leave your details — we respond within one business day.