> ## Documentation Index
> Fetch the complete documentation index at: https://docs.nexapay.ng/llms.txt
> Use this file to discover all available pages before exploring further.

# Introduction

> Overview of the NexaPay B2B Merchant API

# NexaPay Merchant API Documentation

Welcome to the NexaPay Merchant API Documentation. This API lets merchants accept payments, create virtual accounts, collect USDT on TRC20 through merchant crypto payment sessions, buy bills, request withdrawals from their business wallet, and receive signed webhook notifications for deposits and withdrawals.

## Base URL

```
https://api.nexapay.ng/api/v1
```

## Quick Start

1. Register your business to receive **test** and **production** API keys.
2. Use **API keys** for server-to-server calls.
3. Use your **test key** to simulate integrations safely.
4. Switch to your **production key** when you are ready to process real transactions.
5. Configure your webhook URL and secret in the merchant dashboard if you need real-time event notifications.

## Authentication

All integration endpoints use API keys for server-to-server requests.

## Environments

* Production keys start with `nexa-prod-`
* Test keys start with `nexa-test-`

## How Environments Work

Your merchant environment is determined by the API key you send with each request:

* **Test key** -> sandbox ledger + simulated provider actions
* **Production key** -> live ledger + real provider actions

This means a merchant can safely test on the same deployed API by using the test key.