AZA Finance API
Payments · Banking & Fintech · Forex · Cross-Border
AZA Finance is a pan-African payments and foreign exchange infrastructure company that enables businesses and fintechs to send, receive, and convert money across Africa and globally through a single API. Originally founded as BitPesa in Nairobi in 2013, AZA Finance has evolved into one of Africa's most established cross-border payment platforms, holding regulatory licenses from the Central Bank of Nigeria (CBN), the UK Financial Conduct Authority (FCA), and the Bank of Uganda a rare multi-jurisdictional licensing achievement in African fintech.
AZA Finance API Highlights
AZA Finance API is verified for developer integrations in Nigeria and across African markets, providing documented endpoints, sandbox testing, and developer support.
API Key + Secret (via developers.transferzero.com portal)
Enterprise SLA contact AZA Finance for specifics
Nigeria
Ghana
KenyaAZA Finance API is best for:
Fintechs, remittance companies, and enterprises doing cross-border payments into and out of Africa, especially those needing NGN, GHS, KES, and other African currency corridors at scale.
- Custom enterprise pricing based on transaction volume and corridors
- No public fee schedule contact AZA Finance for a quote
- FX spread included in conversion rates
- No free tier; sandbox available for testing
AZA Finance API Core Features & Capabilities
Features Included
Not Supported
AZA Finance API Supported Webhook Events
Webhooks supported (Webhooks). Check official documentation for endpoint setup.
Required Access Documents for AZA Finance API
- Business RegistrationRequiredCertificate of incorporation or equivalent business registration document from your country of operation (e.g., CAC certificate for Nigerian businesses).
- Director KYCRequiredGovernment-issued ID (passport or national ID) for all directors and UBOs as part of AML/KYC compliance.
- Proof of Business AddressRequiredRecent utility bill, bank statement, or government letter confirming the registered business address not older than 3 months.
- AML/Compliance QuestionnaireRequiredAZA Finance requires completion of an AML questionnaire to assess the nature of your payment flows before granting production API access.
Different AZA Finance API use cases
- Diaspora Remittance Platform:Use AZA Finance Payout API to build a remittance service enabling the Nigerian diaspora in the UK, US, and EU to send money home in NGN directly to Nigerian bank accounts or mobile wallets.
- Pan-African B2B Settlement:Enterprises trading across Nigeria, Ghana, and Kenya can use AZA Finance multi-currency API to settle invoices in NGN, GHS, and KES without needing separate banking relationships in each country.
- White-Label FX Transfer Product:Nigerian fintechs can white-label AZA Finance API to offer customers FX conversion and international transfers across 30+ currencies without building their own currency liquidity desk.
- Payroll for Nigerian Remote Workers:Companies with Nigerian remote workers can use AZA Finance bulk payment API to disburse salaries in NGN to thousands of employees bank accounts from a single API call.
- Cross-Border E-commerce Settlement:Nigerian e-commerce platforms accepting USD or GBP from international buyers can use AZA Finance to automatically convert and settle merchants in NGN at competitive exchange rates.