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What is Surge?

Surge is Nigeria’s embedded Buy Now, Pay Later (BNPL) infrastructure. Merchants add a single script tag and their customers can immediately split any purchase into installments — without leaving the store. Surge handles risk scoring, payment collection, delinquency management, and merchant settlement.

→ Start with the Quickstart

Go from zero to a working checkout in under 30 minutes. Includes Node.js, Python, React, and Next.js code examples.

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How it works

  1. Register as a Merchant — Sign up at merchant.gosurge.xyz.
  2. Get your API key — Your surge_live_sk_... API key is issued on approval. Find your Merchant ID under Settings → API Keys.
  3. Create a Checkout Session — Your backend calls POST /api/v1/checkout/sessions with your API key and the cart amount.
  4. Open the Widget — Pass the session token to the Surge JS SDK on your frontend.
  5. Handle Webhooks — Listen for payment.success to fulfill orders.

Server Integration

Create checkout sessions from your backend and start accepting installments.

Client SDK

Embed the Surge widget into your frontend with our JavaScript SDK.

Webhooks

Receive real-time events for payment success, failures, and settlements.

Payment Methods

Manage customer cards and bank direct debit mandates via the API.

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Integration Overview

Merchant Backend  →  POST /checkout/sessions   →  Surge API
                       Authorization: Bearer surge_live_sk_...
                  ←  { session_token }          ←
Merchant Frontend →  surge.openCheckout({ sessionToken })
Customer          →  logs in, selects plan, pays deposit
Surge             →  fires payment.success webhook to merchant

API Reference

Full REST API reference with request/response schemas.

Live Demo

Try the Surge checkout experience right now.