Surge embeds a full BNPL checkout into any store in minutes. No redirects. No friction. Just more completed sales.
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Everything you need to start selling with Surge.
Everything your customers need to say yes — without you taking on any extra risk.
Customers are 3× more likely to complete a purchase when they can spread payments. Surge surfaces the option exactly when they need it.
Surge takes on the full credit risk. You get paid upfront. If a customer defaults, that's our problem — not yours.
Drop in a single <script> tag and three lines of JavaScript. No backend changes required. Works with any stack.
The Surge widget opens as a modal overlay — customers never leave your page. No redirects, no lost sessions.
You can set minimum trust tiers for your store. Only customers that meet your risk threshold can check out using Surge.
NGN-native, Paystack-powered, and designed around the reality of the Nigerian consumer — including delinquency handling.
Drop the SDK into your page, create a checkout session from your backend, and open the widget. That's it. The rest is handled by Surge.
Add the SDK
One <script> tag in your <head>.
Create a session
Your backend calls our API with the cart amount & your merchant ID.
Open the widget
Call surge.openCheckout({ sessionToken }) — Surge does the rest.
Join merchants across Nigeria giving their customers the flexibility to buy today and pay over time.