Appzone API
Banking & Fintech
Zone (formerly Appzone) is Nigeria's leading payment switching and core banking technology company, operating one of Africa's most significant financial infrastructure layers. Zone owns and operates a licensed payment switching network that connects Nigerian and African banks, fintechs, and merchants on a decentralised payment infrastructure enabling real-time interbank payments, card network switching, and agent banking transactions across the Nigerian financial ecosystem.
Appzone API Highlights
Appzone API is verified for developer integrations in Nigeria and across African markets, providing documented endpoints, sandbox testing, and developer support.
Authentication
API Key
Rate Limit
Enterprise SLAs. Contact Zone for technical capacity and throughput specifications.
Sandbox Mode
✓ Available
Webhooks
Not verified yet
Supported Regions
Nigeria
Ghana
Kenya
NigeriaGhanaKenyaAppzone API Services
Bank Transfers & PayoutsCard Issuance
Alternative African Company to
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API Pricing Model
- Transaction-based fees for payment switching
- Core banking licensing fees for software products
- Contact Zone/Appzone for pricing based on transaction volume and product scope
Appzone API Core Features & Capabilities
Features Included
Not Supported
Virtual Account & Account OpeningAccount Balance & Transaction HistoryDirect Debit / Mandate PaymentsBVN / KYC Identity VerificationSavings & Investment ProductsOpen Banking / Data Access
Required Access Documents for Appzone API
Different Appzone API use cases
- Fintech Payment Switching via Zone Network:Connect a Nigerian fintech to Zone's payment switching network to enable real-time interbank transfers, card transaction routing, and instant payment settlement gaining access to all connected Nigerian banks through one API integration.
- Microfinance Bank Core Banking (BankOne):Deploy Zone's BankOne as the core banking system for a new Nigerian microfinance bank getting a CBN-approved, production-proven banking platform with account management, lending, teller operations, and reporting out of the box.
- Agent Banking Network Expansion:Partner with Zone to deploy agent banking points across underserved Nigerian states enabling cash-in, cash-out, and bill payment services at local shop agents using Zone's agent banking technology and network.
- Neobank on Zone Infrastructure:Build a Nigerian neobank product on Zone's switching and core banking stack routing payments through the Zone network while using BankOne for account management and Zone's digital banking front-end for the customer app.