One platform,
every fintech feature

Every feature VTUMax ships with, explained: what it does, how it works, and why it's already built for how you run your business.

Airtime & Data Bill Payments Wallets Virtual Cards Security Gateways Developers More features

Airtime & Data, sold in one tap

Customers top up airtime or buy a data bundle on any of your supported networks, and the transaction settles automatically, no manual confirmation, no waiting on a supplier.

Instant delivery on successful payment

Auto-retry on failed network requests

Set your own margin per network

Recent transactions

MTN Data · 2GB₦1,200Success

Airtel Airtime₦500Success

Glo Data · 5GB₦2,500Success

9mobile Airtime₦1,000Processing

Pay a bill

DStv Compact

Pay

WAEC Result Checker

Pay

Ikeja Electric

Pay

Bills, without the biller's own clunky portal

From cable TV to electricity to WAEC result checkers, customers pay any connected biller straight from your storefront, with the same checkout every time.

3000+ billers pre-loaded and searchable

Meter and smart card validation before payment

Auto-issued receipts on every transaction

A wallet for every customer, funded any way they like

Every user gets a wallet they can fund, spend from, and transfer between. You set the rules on holds, limits, and who can move money where.

Instant peer-to-peer wallet transfers

Configurable funding and withdrawal limits

Full transaction history per wallet

Wallet balance

₦248,600

↓ Fund

↔ Transfer

Transfer to @ada.wallet-₦15,000

Wallet funding · Card+₦50,000

Virtual USD cards and multi-currency balances

Issue virtual dollar cards for subscriptions and online spend, and let customers hold balances in more than one currency without leaving your platform.

Instant virtual card issuance

Freeze, fund, or terminate a card anytime

Hold and convert between NGN, USD, and more

Risk log

Unusual funding pattern flaggedHigh risk

New device login verifiedResolved

3 failed PIN attemptsAuto-locked

Enterprise-grade security, on by default

Role management, encryption, and fraud monitoring ship on every plan, so you're not left to bolt on security after something goes wrong.

Full data encryption in transit and at rest

Granular role-based dashboard access

Auto-lock on suspicious login or PIN activity

20+ gateways, 3000+ billers, already connected

Route payments through the provider that fits your market, and reach billers across 120+ countries without a single integration call.

Built for developers who want to go further

A REST API, real-time webhooks, and native WooCommerce sync mean VTUMax fits into whatever you're already building, not the other way around.

View API docs →

POST /v4/webhooks
{
  "url": "https://yoursite.com/hooks",
  "events": ["transaction.success", "card.issued"]
}

And everything else it ships with

Sports Betting

Customers fund betting wallets across major platforms instantly, no separate app required.

Gift Cards

Sell and redeem gift cards for global and local brands directly from your storefront.

Loyalty Programs

Reward repeat customers with points, tiers, and perks that keep them coming back.

AI Customize

Describe a change in plain English and let AI rebuild that part of your storefront.

Bank Transfer

Accept direct bank transfers as a funding method alongside cards and USSD.

SMM Panel

Sell followers, likes, views, and other social media growth services.

eSIM Issuance

Issue and activate eSIMs for travel and local data plans in supported regions.

WooCommerce Sync

Keep products, orders, and inventory in sync with your existing WooCommerce store.

White-label Branding

Launch under your own brand and domain, with VTUMax running underneath.

Multi-Currency Wallets

Let customers hold and convert between NGN, USD, and more in one wallet.

One platform,every fintech feature