VTU & Bill Payment Platform
Payment platform supporting airtime, data, electricity, and utility bills with multiple gateway integrations.
Overview
Payo is a VTU (Virtual Top-Up) and bill payment platform supporting airtime, mobile data, electricity, and other utility bill purchases through multiple provider integrations.
My Role
Fullstack developer — built the API, provider integrations, and transaction handling.
The Problem
Utility and airtime payments in Nigeria route through several different provider APIs, each with different formats and failure modes, and a customer-facing platform needs to abstract that away reliably.
The Solution
Built a Node.js/Express backend that normalizes multiple provider integrations behind a single API, with JWT authentication and transaction logging so failed or pending payments can be tracked and reconciled.
Highlights
- Multi-provider integration for airtime, data, and electricity payments
- JWT-based authentication and transaction tracking
- Built with Node.js, Express, MongoDB