Where they’re similar
Both expose airtime and data for MTN, Glo, Airtel and 9mobile, plus cable TV, electricity (with the prepaid token), and education PINs. Both are funded from a prepaid balance and called over a REST API, and both offer a way to check a transaction’s state.
Where Plustive differs
- Idempotency by default. Every purchase carries your
clientReference, enforced at the database level, so a retry after a timeout never charges twice. - Integer kobo everywhere. Amounts and balances are exact integers (₦1 = 100 kobo), which removes a whole class of floating-point rounding bugs.
- Automatic reconciliation + refunds. Ambiguous calls return
Pending and settle in about a minute; a failure auto-refunds your wallet to the kobo — no manual reversal. - Dedicated-account funding. Fund your wallet by bank transfer to a dedicated account that auto-credits, alongside transparent volume-tier pricing you can query per plan.
When VTpass may be the better call
VTpass is long-established with a very broad biller catalog. If you depend on a specific biller Plustive doesn’t list yet, or you’re already deeply integrated and stable, that incumbency has real value — and we’ll tell you honestly if a biller you need isn’t live with us.
The bottom line
If you’re building a Nigerian airtime, data or bill-payment product and you want correctness handled for you, Plustive is the more developer-friendly choice. Read the docs or follow the build guide to try it.
