Let customers pay
small-small.

Embed BNPL into any Nigerian store in 30 minutes. No redirects, zero merchant risk, and more completed sales — guaranteed.

Start Accepting Installments ▶ Live Demo

Dashboard

Store Overview

Live

Revenue

₦2.4M

+18%

Orders

143

+34%

Avg Order

₦16.8k

+12%

Recent Orders

C

Chidi O.

3mo plan

₦45,000

Paid

F

Fatima A.

6mo plan

₦28,500

Active

E

Emeka B.

12mo plan

₦72,000

Paid

BNPL infrastructure,
assembled for Nigeria.

From merchant dashboards to consumer wallets, Surge connects every piece of the installment payment journey — simple, local, and built to scale.

For Merchants

Get paid upfront, every time.

When a customer checks out with Surge, you receive the full payment immediately. We take on the credit risk. If a customer misses a payment, that's our problem — not yours.

Full merchant payout on checkout
Surge absorbs all default risk
No chargebacks or disputes

Settlement

Konga Fashion

Just now

₦180,000

Settled

TechHub Lagos

2 mins ago

₦450,000

Settled

Zara Nigeria

5 mins ago

₦92,500

Settled

BookStack

12 mins ago

₦37,000

Settled

For Shoppers

Buy today. Pay small-small.

Customers choose how to spread payments — weekly or monthly, 3 to 12 instalments. No credit card, no interest, and instant in-app approval so they never have to leave your checkout.

3 to 12 flexible instalments
No interest, ever
Instant approval in under 2 minutes
9:41

Hello,

Amaka 👋

A

Surge Score

724

Surge Silver →

76% to Gold

Active Plan

👟

Nike Air Max 270

3 of 6 paid

₦12,500

next due

Shop

Pay

History

Merchant Control

Set your own risk rules.

Every Surge merchant can define the minimum trust tier required to shop at their store. High-value goods? Require Gold-tier customers. Everyday items? Open to everyone. You're always in control.

Minimum Surge Score tier per store
Block delinquent customers automatically
Adjust limits without code changes

Risk Settings

Min. Accepted Tier

Surge Silver

Max Plan Duration

6 months

Deposit Requirement

20%

Allowed Frequencies

Monthly, Weekly

Risk Bearer

Surge

Surge Score

Pay on time. Unlock more.

Every on-time payment builds a shopper's Surge Score — our trust metric that unlocks higher spending limits, lower deposits, and access to more partner merchants across the Surge network.

Score rises with on-time payments
Unlocks higher limits and better plans
Access to exclusive Surge partner stores

Score Tiers

Surge Bronze

300–499

₦50,000

Surge Silver

500–699

₦150,000

Surge Gold

700–849

₦500,000

Surge Platinum

850–1000

Unlimited

Integration

Live in under
30 minutes.

One script tag, three lines of JavaScript. Drop in the Surge SDK and you're done. No backend changes, no redirects, no lost sessions.

1

Add the SDK

One <script> tag in your <head>.

2

Create a session

Your backend calls our API with the cart amount and merchant ID.

3

Open the widget

Call surge.openCheckout() — Surge handles the rest.

Read the full API docs
checkout.js
// 1. Add the SDK
<script src="https://consumer.gosurge.xyz/surge.js" />
// 2. Initialise
const surge = SurgeConnect.init();
// 3. Open on button click
surge.openCheckout({
sessionToken: token,
onSuccess: (e) => handleSuccess(e),
onCancel: () => handleCancel(),
});

BNPL that
actually works
in Nigeria.

Whether you're a merchant selling electronics or a shopper buying shoes, Surge keeps money moving with plans that fit real Nigerian budgets.

Start for free
›

Control is the
ultimate advantage.

Join merchants across Nigeria giving customers the flexibility to buy today and pay over time — while you get paid upfront, every time.

Create Merchant Account ▶ Try the Demo