Instant Naira conversion
USDT and USDC payments settle to Naira automatically. Live rates with buffer applied at initiation — no manual FX steps.
Payments API · Sandbox & Live keys
Accept Crypto, Receive Instantly in Naira. SDK Built for Developers.
Integrate USDT & USDC checkout with instant Naira settlement. REST API, webhooks, and client libraries — ship in hours, not weeks.
No crypto expertise required · TRC-20 & BSC · Signed webhooks
Try the API in seconds
Pick your language, copy the snippet, and see what a live initiation response looks like.
1curl -X POST https://api.gemrails.com/v1/payments/initiate \2 -H "Authorization: Bearer sk_live_..." \3 -H "Content-Type: application/json" \4 -d '{5 "amount": 25000,6 "currency": "NGN",7 "cryptoNetwork": "TRC20",8 "cryptoAsset": "USDT"9 }'Responsesandbox
Click "Simulate API Call" to preview a sample response.
Built for production payments
Transparent pricing, automated wallets, and instant fiat settlement — exposed through a single REST API.
Hot wallet per transaction
Tatum-powered deposit addresses generated for every payment. Merchants never hold crypto or pay gas — we handle chain ops end-to-end.
Real-time webhooks
Signed HTTP callbacks for initiated, settled, and failed events. Retry logs and test pings when you wire up the developer dashboard.
Fee structure
Clear, predictable costs on every successful transaction
₦1,500
Rate buffer
Added to the quoted exchange rate at payment initiation for volatility protection.
₦1,000
Platform fee
Flat fee per successful transaction covering rails, compliance, and infrastructure.
₦50
Merchant bonus
Credited to the merchant on every settled payout — on top of the Naira settlement.
Plus ₦50 merchant payout bonus on each settlement — included in the API response as merchantBonusNgn
Quickstart in three steps
From install to your first sandbox transaction — copy commands and follow the checklist below.
1
Install the SDK
Install the SDK
Add the official client to your app with npm or Bun.
npm
npm install @gemrails/sdkbun
bun add @gemrails/sdk2
Configure environment variables
Configure environment variables
Use sandbox keys first. Never commit secret keys to git.
.env.local
GEMRAILS_SECRET_KEY=sk_test_... GEMRAILS_API_URL=https://api.gemrails.com
3
Test in sandbox
Test in sandbox
Create keys in the dashboard, initiate a test payment, and confirm webhooks.
Run dev server
npm run devDocumentation
Entry points into the API — full reference site can be linked here when published.
Webhook integration
Subscribe to transaction.initiated, transaction.settled, and transaction.failed. Verify payloads with your webhook secret.