Bankly is a comprehensive digital wallet and VTU payment system delivered as a PHP script. It provides everything you need to launch a fully functional online bill payment and fund management platform. Through a clean, self-hosted wallet interface, users can top up airtime, purchase internet data bundles, pay electricity bills, renew cable TV subscriptions, and trade bitcoin gift cards.
Whether you are building a payment reseller business or developing a fintech-style platform, Bankly gives you the tools to manage transactions efficiently while keeping full control over your operations and user funds.
Bankly eliminates the need to rely on third-party payment processors for every transaction. With its self-hosted wallet architecture, you retain full control over user funds and transaction flow. The multi-gateway integration means your customers can fund their wallets through whichever method suits them best — reducing friction and increasing conversion rates.
The built-in developer and banking APIs make it straightforward to connect with existing financial infrastructure, while the automated systems save significant operational time. For merchants and platform operators, this translates to lower overhead and faster transaction cycles.
Bankly is designed for entrepreneurs and businesses looking to operate an online bill payment and digital wallet service. It works as a standalone VTU and bill payment platform, integrates into an existing e-commerce site, or deploys as a reseller management system. The flexible architecture supports both small-scale operations and larger payment service providers.
Bankly combines a self-hosted wallet with a broad set of payment and trading features in a single PHP script. Instead of piecing together multiple tools, you get a unified platform that handles airtime, data, utilities, crypto gift cards, and wallet management out of the box. The inclusion of developer APIs and banking integrations means the system can grow alongside your business.
Basic familiarity with PHP hosting and API configuration is helpful. The script includes a CMS and automated systems to simplify day-to-day operations.
Bankly supports Stripe, Paystack, Flutterwave, CoinPayments, and Coingate, giving your users multiple funding and payment options.
Yes. The voucher and PIN generation system, along with the funds transfer feature, makes it well-suited for managing a reseller network.
The self-hosted wallet stores funds directly on your platform, giving you full control over user balances and transaction records.
You will need API keys from Paystack, Flutterwave, Coingate, Clubconnect, and Vtpass. These are required for processing payments and bill top-ups.
Bankly is a powerful, all-in-one digital wallet and VTU payment PHP script that covers bill payments, airtime top-ups, crypto gift card trading, and wallet management. With multiple payment gateway integrations, automated systems, and developer APIs, it provides a solid foundation for launching or expanding a payment service business.
Bankly is a self-hosted digital wallet and VTU payment system PHP script that lets you launch a complete online payment platform. Users can pay bills, recharge airtime and data, subscribe to cable TV, and trade bitcoin gift cards — all from one unified system.Self-hosted wallet for secure fund storageAirtime, data, electricity, and cable TV paymentsBuilt-in bitcoin gift card tradingMultiple payment gateways: Stripe, Paystack, Flutterwave, CoinPayments, CoingateAutomated payment processing with email and SMS notificationsDeveloper API and banking API integrationVoucher/PIN generation and bulk SMS system
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