Your customer pays ₦5,000.37. RIVO instantly knows they paid — no cards, no POS, no asking customers to send "proof of payment." The money arrives and your business is credited automatically.
Imagine you owe a friend ₦5,000. Instead of asking them to text you a receipt, you tell them to pay exactly ₦5,000 and 37 kobo. When that unusual .37 shows up in your bank statement, you instantly know it's their payment — no one else could have sent that exact number.
RIVO is that trick, automated for businesses. Every payment request gets a secret "kobo signature." When the bank alert lands in our forwarding inbox, we match the exact amount and confirm the payment automatically — no manual checking, no support calls, no "did you pay?" emails.
Your customer never installs anything. They just make a normal bank transfer.
Your website calls RIVO with amount: 5000. RIVO hands back a payment page link plus the secret payable figure.
They see a branded page: bank, account number, and the exact total with its unique kobo. They send the transfer — just like paying a friend.
Your bank emails the alert to a private RIVO inbox. RIVO reads the amount and the receiving account automatically.
RIVO matches the exact amount, confirms the payment, and pings your app with a signed webhook. Done.
Every payment is given a unique kobo value, like .37. It acts as a built-in receipt number so payments are matched without anyone guessing.
The moment a payment is confirmed, your app is notified over a cryptographically-signed webhook. If a delivery fails, RIVO retries and keeps a dead-letter queue so nothing is ever lost.
One platform, many businesses — each fully isolated with its own users, roles, API keys, branding and bank accounts. Perfect for agencies and SaaS platforms.
Receive payments across multiple bank accounts, automatically load-balanced. More resilience, higher throughput, and less strain on any single account.
API keys are stored as one-way hashes, webhooks are HMAC-signed, sessions expire on their own, and every action is recorded in an audit trail.
When a transfer doesn't quite match — a rounded amount or a late bank alert — a friendly reconciliation screen with one-click reason pills lets your team sort it in seconds.
If people pay you by bank transfer, RIVO makes it painless.
Nigerian customers often prefer bank transfer over cards. Let them pay by transfer and confirm their order instantly — no more waiting on screenshots.
Fees arrive from parents' bank apps. RIVO matches each exact transfer to the student, so the accounts office never hunts for a receipt again.
Agencies and software platforms can white-label RIVO for their own merchants — a full payment gateway under your own brand and tenant pool.
Landlords, consultants and artisans get paid by transfer. RIVO confirms each payment, so you know the money arrived before you deliver the work.
Sell tickets by bank transfer. Payments confirm automatically and tickets release — even during a busy sale with hundreds of transfers.
Sellers and buyers transact by transfer. RIVO's unique-kobo matching keeps every payment unambiguous, even when several land at once.
Card gateways charge 1.5–3.5% + fixed fees per transaction. Bank transfers in Nigeria typically carry no such percentage — that margin stays in your pocket.
No more "please send proof of payment," no more reconciling spreadsheets by hand. The hours your staff would spend on manual checks become product time.
Building your own bank-notification matching system means weeks of engineering, a mail pipeline, matching logic and security hardening. RIVO gives you that out of the box.
Transfers verified against exact amounts remove the "I paid, you didn't see it" argument entirely. Clear records settle every dispute.
Money handling demands care, so RIVO is built with security first: secrets are hashed, notifications are signed, sessions self-expire, and every meaningful action leaves an audit trail.
{
"status": "SUCCESS",
"reference": "PGW202608010001",
"amount": 5000,
"paid_amount": 5000.37,
"email": "[email protected]"
}
X-PGSP-Signature: t=1785571083,v1=6e62e569a3...
Set up in minutes. Accept bank transfers with the confidence of a card payment — minus the fees and the manual work.