AZA Finance API

Banking & Fintech · Payments · Blockchain · Currency Exchange · Security · Identity & KYC · AI & ML · Data Validation

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.

paid

API Key + Secret (via developers.transferzero.com portal)

Enterprise SLA — contact AZA Finance for specifics

✓ Available

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.

Pricing

AZA Finance holds a Central Bank of Nigeria (CBN) license as well as UK FCA and Bank of Uganda licenses. The API developer portal is at developers.transferzero.com (legacy TransferZero branding). PCI-DSS and ISO27001:2022 certified. Pricing is not publicly listed — enterprise contracts only.

Not Supported

Card PaymentsUSSD PaymentsConsumer-Facing Checkout

Key Highlights

  • CBN-licensed with FCA (UK) and Bank of Uganda licenses
  • 30+ African and global currencies including NGN
  • 115+ markets reachable via single API integration
  • PCI-DSS and ISO27001:2022 certified
  • 99.5% uptime SLA
  • SDKs for .NET, Java, JavaScript, PHP, Ruby
  • Sandbox environment via developers.transferzero.com

Required Access Documents

  • Business RegistrationRequired
    Certificate of incorporation or equivalent business registration document from your country of operation (e.g., CAC certificate for Nigerian businesses).
  • Director KYCRequired
    Government-issued ID (passport or national ID) for all directors and UBOs as part of AML/KYC compliance.
  • Proof of Business AddressRequired
    Recent utility bill, bank statement, or government letter confirming the registered business address — not older than 3 months.
  • AML/Compliance QuestionnaireRequired
    AZA Finance requires completion of an AML questionnaire to assess the nature of your payment flows before granting production API access.

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.

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