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

# Overview

> Build fintech products on Numero — move money, collect payments, issue cards, verify identities, and pay bills through one integration.

Build scalable fintech products with Numero's robust infrastructure. Numero provides a suite of APIs that enable you to move money, collect payments, issue virtual cards, verify identities, and pay bills — all through a single integration.

## What you can do with Numero

| Product                 | Description                                                                            |
| ----------------------- | -------------------------------------------------------------------------------------- |
| **Transfers & Payouts** | Send money instantly to any Nigerian bank account. Supports single and bulk transfers. |
| **Collections**         | Create virtual NUBAN accounts for your customers and receive funds via bank transfer.  |
| **Cards**               | Issue and manage virtual USD cards for your customers.                                 |
| **Bill Payments**       | Pay for electricity, cable TV, and fund betting accounts on behalf of your users.      |
| **Verification / KYC**  | Verify customer identities using BVN, NIN, CAC, and 15+ other verification types.      |
| **Webhooks**            | Receive real-time notifications for account funding, transfers, and payouts.           |

## Base URL

There is one base URL for every product — Transfers, Collections, Cards, Bill Payments and Verification all live behind it:

```
https://api.usenumero.com/numeroaccount
```

## Live and test mode

There is no separate sandbox host. You get **two API keys**, and the key you send decides the mode:

| Key          | Mode     | Behaviour                                                                              |
| ------------ | -------- | -------------------------------------------------------------------------------------- |
| `live_key_…` | **Live** | Real money, real providers                                                             |
| `test_key_…` | **Test** | Simulated providers and an isolated test wallet — your live balances are never touched |

Same base URL, same endpoints. Build against your `test_key_`, then swap in your `live_key_` to go live — nothing else changes. See [Test mode](/05-test-mode) for funding and resetting your test wallet.

## Quick links

* **Get API Keys** — Sign in to your [Merchant Dashboard](https://merchant.usenumero.com) to generate your live and test API keys.
* **Need help?** — Contact us at [engineering@usenumero.com](mailto:engineering@usenumero.com)