v1.0 liveSubscription infrastructure for Nigerian SaaS

Billing that works
as hard as you do.

A composable API for recurring billing, intelligent dunning, and Nomba-powered split routing. From zero to revenue in hours.

Bank-grade security
Sub-200ms API response
99.9% uptime SLA
app.billstack.com/dashboard
MRR
₦4.2M
+8.4%
Active Subs
1,429
+5.1%
Recovery Rate
94.2%
+2.1%
Revenue (last 7 days)

Overview

Last 30 days

Monthly
MRR
₦4.2M
+8.4%
Subscribers
1,429
+5.1%
Recovered
₦840K
+22%

How Billstack works.

A streamlined lifecycle for recurring revenue.

01

Integrate the API

Connect Billstack in minutes. Create plans, manage customers, and generate checkout links with clean REST endpoints.

02

Automate Collection

We assign Dedicated Virtual Accounts and process card payments. Smart retries handle failures automatically.

03

Route & Settle

Define percentage or fixed splits. Revenue is instantly routed and settled to Nomba accounts — no reconciliation needed.

A fully integrated suite.

All the billing primitives you need, composable and production-ready.

Multi-Split Routing

Split subscription revenue instantly between your platform, agents, and merchants using percentages or fixed amounts via Nomba APIs.

  • Percentage & Flat fee splits
  • Dynamic routing per subscription
  • Real-time settlement
Incoming Payment₦100,000.00
Platform (10%)₦10,000
Merchant (90%)₦90,000
Churn Rate
2.4%
↓ 0.6%vs last mo.
Health Score
91
Excellent
Subscription Forecast
Actual
Forecast
TodayJanFebMarAprMayJunJul

Subscription Health

Know exactly where your recurring revenue is heading. Track churn rate trends, monitor health scores, and forecast subscriber growth — all in real time from your Billstack dashboard.

  • Churn rate with period-over-period comparison
  • subscription payment forecast - so you can now how much funds would be arriving soon and better manage funds
  • Cohort-level health scoring per plan
Card charge failed
Insufficient funds
Smart Retry scheduled (24h)
DVA Transfer Received
Wema Bank • 023456789

Dedicated Virtual Accounts

Cards fail. It's a reality. Every subscriber automatically receives a permanent bank account number so they can pay via transfer if their card fails.

  • Permanent virtual accounts per customer
  • Automated dunning email sequences
  • Intelligent retry timing

Developer first.

A powerful, composable REST API built in Go. Integrate subscription infrastructure into your Next.js, Node, or Go application with predictable endpoints and idempotent requests.

RESTful & Predictable

Clean JSON responses and standard HTTP codes make integration seamless.

Idempotency

Safely retry network requests without accidentally double-charging customers.

create_subscription.js
const billstack = require('billstack')('bsk_live_...');

// Create a subscription with split routing
const subscription = await billstack.subscriptions.create({
  customer: 'cus_9s8d7f6g5h4j',
  plan: 'pln_pro_monthly',
  payment_method: 'dva',
  split_rules: [{
    account_id: 'acct_agent_123',
    percentage: 15
  }]
});

Simple, transparent pricing.

Pay only for what you use. No hidden fees.

Starter

Free

For developers building and testing.

  • 50 active subscriptions
  • Basic dunning (3 retries)
  • Standard webhooks
  • Test & Live environments
Most popular

Growth

₦25,000/mo

For scaling Nigerian SaaS businesses.

  • Unlimited subscriptions
  • Smart retry engine
  • Multi-Split routing
  • Dedicated virtual accounts
  • Priority support

Enterprise

Custom

For high-volume platforms.

  • Everything in Growth
  • Custom SLA
  • Dedicated account manager
  • Advanced analytics API

Frequently asked questions

Everything you need to know about Billstack.

You define percentage or fixed-amount splits for any subscription plan. When a payment succeeds, funds are immediately routed to the specified Nomba accounts — no manual reconciliation needed.
Yes. Once a customer is created in Billstack, they receive a unique, permanent virtual account number. They can use this to pay for subscriptions at any time via bank transfer.
Our intelligent dunning system automatically retries failed payments on an optimized schedule. If a card fails, the customer is notified with their DVA details to complete payment via transfer.
Integration is designed to be completed in hours. We provide RESTful endpoints with clean JSON responses, idempotent requests to prevent double-charging, and webhook support for every event.
Yes. Billstack supports monthly, annual, and custom billing intervals. You can also define trial periods and setup fees on a per-plan basis.

Start building your
billing stack today.

Create your account, integrate the API, and go live — all in the same day.