Powered by Adobe Commerce 2.4.6

This extension is in our Payment category. Please remember that it is the merchant’s responsibility to ensure the proper PCI compliance level of their store, as applicable by PCI regulations. The PCI Self-Assessment is one tool you can use when evaluating Payment extensions and how they may affect your PCI compliance level. For more information on Marketplace policies, please review the Marketplace Terms & Conditions.

Pay with Specta

First year:


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Pay with Specta is a leading flexible payment solution provider in Nigeria, backed by the Sterling Bank. Specta facilitates the customers to pay through easy monthly installments, which are interest-less for up to 3 months. Providing such a facility to the customers on the online store can help them purchase pricey products and enhance their loyalty towards the brand. Meetanshi's Pay with Specta for Magento 2 makes it possible for the merchants to integrate such a customer-friendly payment method with the online stores.

Undoubtedly, Pay with Specta is one of the most suitable payment methods for Nigerian businesses selling expensive products because of the payment convenience it provides to the customers. Offering EMI and flexible payment options such as Pay Later with Specta can trigger the customers to go for the expensive products without paying the total amount. As a result, it improves the conversions and drives more sales.

The extension uses a hosted payment gateway by Pay with Specta to facilitate the customers to pay for the order through flexible payment options. The platform provides credit-based payment facilities to the customers and pays the full amount instantly to the merchant. Therefore, the merchants can enjoy the benefits of flexible payment options in their store through a credit-based payment solution without taking any credit risk!


Account & Pricing

To commence using the Pay with Specta extension, you need to register as a merchant with Pay with Specta and enter the details in Magento 2 store configuration section for the API integration. For more details about the account & pricing, you can contact the payment solution provider at specta@sterling.ng or 017004271.



  • The admin can enable or disable the payment gateway from the backend.
  • The admin can customize the title and choose to show or hide the Pay with Specta logo from the backend.
  • Option to enable the sandbox mode for testing.
  • The admin can easily integrate Pay with Specta into Magento 2 using Merchant ID and API key received from the payment gateway.
  • The admin can choose to auto-generate invoices for the orders paid using Pay with Specta.
  • The admin can set the default status of the orders paid using this payment gateway from - Processing & Suspected Fraud.
  • The admin can limit the use of the payment gateway for customers from only selected countries.
  • The admin can enter additional information to display on the checkout page while using Pay with Specta.
  • Option to enable the debug mode.
  • The admin can enter the sort order for the payment method from the backend.
  • Once the customer chooses to continue payment using Pay with Specta on the frontend, he is redirected to a payment page hosted by Specta.
  • The customer can enter his Specta ID to log into his/her Pay Later with Specta on the hosted page, choose the repayment tenor, and complete the transaction using a 'One Time Password'.
  • After successful payment confirmation, the customer can find the complete payment details in the 'My Orders' section under the Payment Method of the respective order.
  • The admin can also find the payment details of the orders paid using Pay with Specta through the Sales > Orders > Order View grid in the backend.


How Does the Extension Work?

The admin can enable the extension from the backend, enter a custom title, show or hide the logo, enable the sandbox mode (if required), and integrate the Pay with Specta using Merchant ID and API Key received from the merchant account. The admin can enable auto invoice generation, set the default order status, and choose to allow customers from all or selected countries to use the payment gateway. The admin can also enter custom information to be displayed to the customers while using the Pay with Specta and enable the debug mode if required.

After the extension is configured, the Pay with Specta payment method is shown to the customers on the frontend. On checking out using Pay with Specta, the customers are redirected to a secure payment page hosted by the payment gateway where they can enter Specta ID and log into their Pay Later with Specta account. The customer can choose the repayment tenor in months, confirm the order, and verify the transaction using an OTP.

After a successful transaction, the customers can find the payment details of the orders paid through the Pay with Specta in their 'My Orders' section. The admin can also find the complete details of the order paid through Specta in the Sales > Orders > Order View grid in the backend.


Security and PCI Compliance:

Once the customers add products to the cart and proceed to Pay with Specta, they are redirected to a payment page hosted by Specta. The customers need to log in using their Specta ID, select the repayment tenor, and authorize the transaction using an OTP.

The complete process takes place in a secure environment outside Magento, and no payment details are stored or processed by Magento 2 server, ensuring a secure payment process. The integration meets the SAQ A level of PCI compliance.


Also Comes With:

  • 1 Year Free Updates
  • 25 Days Marketplace Return Policy
  • Multi-Store Support
  • 100% Open Source


Visit Live Demo:

  • Back-end | Just select "SagePay Integration" from the Username drop-down to log in 
  • Front-end | Configure the extension from back-end first as per your requirements to see it in action.


If you have any questions about this extension, you can Contact Us, and we will reply back within a few hours.

Technical Specifications

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Seller profile


Seller contact



Pay with Specta

Current Version


Adobe Commerce platform compatibility

Open Source (CE): 2.4 (current), 2.3 (obsolete)

Commerce on prem (EE): 2.4 (current), 2.3 (obsolete)

Commerce on Cloud (ECE): 2.4 (current), 2.3 (obsolete)


Stable Build


17 May, 2023


Extensions, Payments & Security, Payment Integration

Supported Browsers

Chrome, Firefox, Opera, Safari, Edge, IE

Quality Report

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Installation & Varnish Tests


Coding Standard


Plagiarism Check


Malware Check


Marketing Review


Manual Testing


All tests were conducted on the latest versions of Adobe Commerce that existed for the compatible release lines at the moment of the extension submission. Latest versions of all other software were used, as applicable.

Release Notes

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  • Compatible with Open Source (CE) : 2.3 2.4
  • Compatible with Commerce on prem (EE) : 2.3 2.4
  • Compatible with Commerce on Cloud (ECE) : 2.3 2.4
  • Stability: Stable Build
  • Description:

    - Compatible with Magento 2.4.6


  • Compatible with Open Source (CE) : 2.3 2.4
  • Compatible with Commerce on prem (EE) : 2.3 2.4
  • Compatible with Commerce on Cloud (ECE) : 2.3 2.4
  • Stability: Stable Build
  • Description:

    - Initial Release


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The best place to start if you need help with a specific extension is to contact the developer. All Adobe Commerce developers have both a contact email and a support email listed.

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Q & A

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