Loan companies
Set the amount, the interest and the dates, send the borrower their link, and see exactly who is behind.
A repayment plan for each borrower or member, with reminders, part-payments and automatic card payments.
Loan companies, thrift and cooperative groups and schools collect money in parts. Installment Plans does the bookkeeping: you set the amount, the dates and the interest; each person gets their own page and link to see what they owe and to pay; every payment, however it arrives, clears their oldest unpaid payment first; and you see who is paid up, due and late. It works from your dashboard with no website, or from your own system through the API.
Set the amount, the interest and the dates, send the borrower their link, and see exactly who is behind.
Give each member a plan for their daily or weekly contribution. Members pay what they can and every naira is recorded.
Let parents, tenants and members pay a larger amount in parts, with reminders so you do not have to chase.
Create plans from your own system, listen for the payment webhooks and keep your own records in step.
Create a free account and add your business details under Take Payments.
Open Take payments, choose Take installment payments, press New plan, and enter the person, the amount, the dates and the interest. Practise in test mode first.
Send the person their link. They pay any amount, any time, and you watch the plan fill up.
Create a free account, open Take payments, then Take installment payments, and create a practice plan. No real money moves in test mode.
A small charge on each payment toward a plan, by amount: 1% under ₦1,000, then ₦200, ₦500, ₦800 and ₦1,200 as payments get larger. You choose whether you pay it or the person does.
POST /v1/installments/plans, authenticated with your X-IdentifyOrg-Key header.
{
"reference": "LOAN-2041",
"title": "Business loan",
"payer": { "name": "Ada Obi", "email": "ada@example.com", "phone": "08031234567" },
"amount": 120000, "interest_mode": "flat_total", "interest_rate": 10,
"frequency": "weekly", "every": 1, "count": 12, "start_date": "2026-12-01",
"fee_bearer": "merchant" // or "payer": add our per-payment charge on top, shown as a breakdown
}{ "id": "plan_9c1d...", "status": "active", "total_due": 132000.0, "balance": 132000.0, "page_url": "https://identifyorg.com/plan/Hs3...", "payments": [ ... ] }When the test convinces you, the developer section shows exactly how to connect it: the endpoint, the request and response, SDKs for your language and webhooks.
No. Create plans in your dashboard and send each person their link on WhatsApp, SMS or email.
It is recorded, the payment shows as part-paid, and it stays open until the rest arrives. Anything extra goes on to the next payment.
Yes, when the person agrees. They tick a box to save the card on their payment page, and the next payments are taken on their due dates. They can remove the card at any time.
It shows in your balance at once and can be withdrawn 24 hours later.
You choose, per plan: you (it is kept from what you receive) or the person (it is added on top of each payment and shown as a breakdown).