37 Best AZA Finance API Alternatives & Competitors

1. Frankfurter

Currency Exchange, Data & Analytics

Frankfurter is a free, open-source API providing exchange rates, currency conversion, and time series data. The service supports 30+ currencies with historical data going back several years. No authentication is required and there are no rate limits. Frankfurter pulls data from the European Central Bank enabling reliable and accurate rates. The API is lightweight and fast ideal for applications requiring quick currency conversions without setup overhead.

Currency-api is a free, open-source foreign exchange rate API hosted on GitHub providing daily exchange rates for 161+ currencies with no API key required. The Currency-api project is completely free and unlimited, making it ideal for learning projects and lightweight applications. Nigerian developers use Currency-api as a zero-cost option for basic currency rate needs.

3. CurrencyFreaks

Currency Exchange, Data & Analytics

CurrencyFreaks API provides real-time and historical foreign exchange rate data for 200+ world currencies. The CurrencyFreaks API delivers accurate, up-to-date exchange rates through a simple REST interface. Nigerian developers use the CurrencyFreaks API to build currency converters, e-commerce multi-currency pricing, and financial dashboards with NGN support.

4. Nomba Global Payout API

Payments, Fintech, Cross-border

Nomba's Global Payout API helps Nigerian operators and businesses send cross-border payments without the traditional friction of FX sourcing or locking up capital. Designed for fintechs, platforms, and businesses processing international disbursements, it reduces settlement delays and FX overhead — making global payouts as simple as local transfers.

5. Wise Platform API

Payments, Cross-border, Fintech

Wise Platform API is a global payments infrastructure product from Wise (formerly TransferWise) designed for banks, fintechs, payroll platforms, and marketplaces that need to automate international payouts at scale. The API covers the full send-money lifecycle: generate a quote (live mid-market FX rate), create recipients, initiate transfers, and fund payouts — all programmatically. Wise supports payouts to 160+ countries including Nigeria (NGN bank transfers), with settlement via SWIFT, SEPA, Faster Payments, ACH, and local rails. Nigerian businesses and diaspora platforms use Wise Platform to disburse payments in GBP, USD, EUR, CAD, and AUD to overseas recipients, or to receive international transfers into NGN accounts. Sandbox environment available for testing; enterprise and correspondent payout models supported for high-volume disbursements.

6. CurrencyScoop

Currency Exchange, Data & Analytics

CurrencyScoop API provides reliable foreign exchange rate data for 170+ currencies with a generous free tier of 1,000 requests/month. The CurrencyScoop API delivers real-time and historical rates through a simple REST API. Nigerian developers use the CurrencyScoop API to build currency-aware applications supporting NGN and major international currencies.

7. Payoneer Payout API

Payments, Cross-border, Fintech

Payoneer's Payout API enables platforms, marketplaces, and enterprises to send mass payouts to recipients in 190+ countries including Nigeria — directly to bank accounts, Payoneer wallets, or local payment methods. Nigerian freelancers, gig workers, and sellers on platforms like Upwork, Fiverr, and Amazon already use Payoneer to receive earnings; the Payoneer API lets businesses build this same infrastructure into their own products. The API supports bulk disbursements, automated reconciliation, multi-currency payouts (30+ currencies), and includes webhooks for real-time payout status tracking. Particularly popular among Nigerian content creators, exporters, and remote workers receiving foreign earnings. KYB/KYC verification is handled on Payoneer's side, reducing compliance burden on integrating platforms.

8. Open Exchange Rates

Currency Exchange, Data & Analytics, Trading

Open Exchange Rates provides live and historical exchange rates for 200+ currencies with powerful APIs for developers. The service delivers accurate rates updated frequently with comprehensive historical data for time-series analysis. Features include real-time conversions, OHLC data, and trend analysis capabilities. Free tier provides 1000 monthly requests perfect for small applications. Enterprise plans offer higher limits and dedicated support. Trusted by developers building financial dashboards, trading tools, and payment applications globally.

9. Flutterwave Transfer API

Payments, Cross-border, Fintech, Banking & Fintech

Flutterwave's Transfer API is the payout arm of Africa's leading payment infrastructure platform, enabling Nigerian businesses to disburse funds locally and internationally. The API supports bulk transfers to Nigerian bank accounts, mobile money wallets across Africa, and international bank transfers to 30+ countries in 150+ currencies — including USD, GBP, EUR, and CAD. Nigerian fintechs, payroll platforms, logistics companies, and marketplaces use Flutterwave Transfers to pay suppliers, employees, drivers, and merchants at scale. Key features include scheduled bulk disbursements, real-time transfer status webhooks, FX conversion, and a retry mechanism for failed transfers. Flutterwave is CBN-licensed and PCI-DSS certified — making it one of the most trusted payout rails for Nigerian operators going global.

10. Airwallex Payout API

Payments, Cross-border, Fintech, Currency Exchange

Airwallex is an API-first global financial platform that enables businesses to send payouts in 60+ currencies to 150+ countries — including NGN transfers to Nigerian bank accounts. The Airwallex Payout API is built for digital-native businesses, SaaS platforms, and marketplaces that need to pay international vendors, contractors, or affiliates at scale. Key features include interbank FX rates (no markup), same-day and next-day settlement in many corridors, multi-currency wallets, batch payout support, and full API automation for disbursement workflows. Nigerian businesses with international suppliers or overseas teams use Airwallex to move money globally without expensive bank wire fees. The platform is PCI-DSS compliant and licensed in multiple jurisdictions. Full API reference, sandbox, and SDKs available for rapid integration.

11. Grey Finance API

Payments, Cross-border, Fintech, Banking & Fintech

Grey Finance is a Nigerian-founded fintech that provides USD, GBP, and EUR virtual accounts to Nigerians alongside a developer API for cross-border payout capabilities. The Grey API enables platforms to offer Nigerian users foreign currency accounts for receiving international payments from clients, platforms, and employers — and to send outward remittances globally. Grey is particularly popular among Nigerian freelancers, remote workers, and creators who need to receive and hold foreign earnings. The API supports account provisioning, balance management, and international transfers, making it a strong choice for Nigerian developer tools, creator economy platforms, and HR tech products that need to offer foreign earnings infrastructure to Nigerian users.

12. Korapay API

Banking & Fintech, Payments

Korapay is a developer-first payment gateway optimised for both pay-ins and rapid payouts across Africa. The Korapay API enables developers to collect payments via local and international cards, bank transfers, and mobile money with frictionless integration. Developers can execute automated disbursements, access virtual bank accounts, and manage USD collections with reliable webhooks and minimal latency. Nigerian fintech startups favour Korapay for its simplicity, competitive rates, and strong developer experience. Free test API keys are available instantly with no compliance review for sandbox access.

13. Fixer.io

Currency Exchange, Data & Analytics

Fixer.io is a reliable currency exchange rates API providing real-time and historical rates for 170+ currencies. The service offers accurate exchange data sourced from financial data providers. Features include real-time conversions, historical time-series data, and detailed rate information. Free tier allows 100 requests per month with no credit card required. Paid plans offer higher request limits and priority support. Popular with developers building financial applications requiring reliable exchange data. Supports both fiat and cryptocurrency conversions.

14. XE Currency Data API

Currency Exchange, Banking & Fintech, Data & Analytics

XE Currency Data API is the gold standard for professional-grade foreign exchange data, powering thousands of financial applications globally. The XE Currency Data API delivers real-time mid-market rates, historical exchange data, and currency conversion for 170+ world currencies including the Nigerian Naira (NGN). Financial institutions, fintechs, and enterprise software teams rely on the XE Currency Data API for its accuracy, reliability, and compliance with global financial standards.

15. CurrencyLayer

Currency Exchange, Blockchain, Banking & Fintech

CurrencyLayer API is a powerful, real-time foreign exchange rate API delivering accurate currency data for 168+ world currencies. The CurrencyLayer API sources its rates from 15+ reliable financial data providers and major banks, making it ideal for applications requiring trusted forex data. With the CurrencyLayer API, developers can build currency conversion tools, international pricing engines, travel apps, and financial dashboards that serve Nigerian and global users with real-time and historical exchange rates.

16. FxRatesAPI

Currency Exchange, Trading, Data & Analytics

FxRatesAPI provides real-time exchange rates, historical rates, and currency conversion supporting 170+ currencies including NGN. The service offers both real-time market data and historical time series enabling rate tracking and analysis. Free tier allows 100 requests per day. Premium plans include unlimited requests, webhook support, and priority support. Ideal for forex traders, financial applications, and platforms requiring reliable exchange rate data.

17. ExchangeRate-API

Currency Exchange, Banking & Fintech, Data & Analytics

ExchangeRate-API is a reliable and developer-friendly currency exchange rate API trusted by thousands of developers worldwide. The ExchangeRate-API provides real-time and historical foreign exchange data for 161+ currencies including the Nigerian Naira (NGN). With the ExchangeRate-API, developers can power currency converters, financial dashboards, travel apps, and e-commerce pricing engines with accurate, regularly updated exchange rate data sourced from major financial institutions.

18. Amdoren

Currency Exchange, Banking & Fintech

Amdoren Currency Converter API is a simple, lightweight REST API for real-time currency conversion and exchange rate data. The Amdoren API provides instant conversion between hundreds of currency pairs with daily updated rates. Developers who need a basic, no-frills currency API for small projects and personal applications use the Amdoren API for its simplicity and ease of integration without complex authentication setups.

19. Alpha Vantage

Currency Exchange, Trading, Data & Analytics, AI & ML

Alpha Vantage API is a leading provider of free and premium financial market data including stock prices, forex rates, cryptocurrency data, and technical indicators. The Alpha Vantage API provides real-time and historical data for global equity markets, FX rates, and digital currencies through simple REST endpoints. Nigerian developers building investment apps, market analysis tools, and financial dashboards use the Alpha Vantage API to access comprehensive market data without expensive Bloomberg or Reuters subscriptions.

20. 1Forge

Currency Exchange, Trading

1Forge API provides real-time and historical foreign exchange rate data with a focus on Forex trading pairs and financial market data. The 1Forge API delivers accurate bid/ask spreads, mid-market rates, and conversion data for 700+ currency pairs used by forex traders, financial developers, and market analysts. Developers integrate the 1Forge API into trading dashboards, portfolio trackers, and financial applications needing precise forex data with low latency.

21. Thunes Payout API

Payments, Cross-border, Fintech

Thunes is a global cross-border payments network providing a Money Transfer API that connects businesses to 130+ countries through a single integration. The Thunes Payout API supports disbursements to mobile wallets, bank accounts, cards, and cash pickup points — covering major African corridors including Nigeria. Thunes has partnered with MTN MoMo PSB to enable real-time cross-border payments into Nigerian mobile money wallets from the USA, UK, Canada, France, Australia, Saudi Arabia, Israel, and South Africa. Fintechs, remittance platforms, and enterprise operators use Thunes to reach recipients across Africa without building and maintaining individual banking relationships in each country. The API is developer-friendly with clear documentation, sandbox testing, and webhook support for real-time transfer status updates.

22. VATComply.com

Currency Exchange, Data & Analytics, Data Validation

VATComply provides exchange rates combined with geolocation and VAT number validation. The service is completely free for currency conversion and geolocation data. Features include real-time exchange rates for 150+ currencies including NGN. Unique feature of VAT validation makes it particularly useful for ecommerce and B2B platforms. Simple REST API with no authentication required for basic currency endpoints.

23. Exchangerate.host

Currency Exchange, Data & Analytics

Exchangerate.host provides currency exchange rates and conversion data for 170+ currencies including NGN. Note: the service moved from a fully free model to a freemium/paid subscription model in 2023. An API key is now required even for the free tier. Supports real-time rates, historical data, currency conversion, and time series queries. The API was popular when free — developers should verify current pricing and terms before building production integrations.

24. Monierate

Currency Exchange, Banking & Fintech, Data & Analytics

Monierate API provides real-time Nigerian black market and parallel exchange rate data, tracking the actual street rates Nigerians use daily for dollar purchases, transfers, and crypto conversions. The Monierate API aggregates rates from Bureau De Change (BDC) operators, crypto exchanges, and fintech platforms across Nigeria to give developers the most accurate picture of actual market pricing. With the Monierate API, fintech apps, news platforms, and financial tools can display transparent, up-to-date parallel market rates for USD, EUR, GBP, USDT, and other currencies against the Naira.

25. Kora Payments API

Banking & Fintech, Payments, Currency Exchange

Kora (formerly Korapay) is a pan-African payment infrastructure company founded in 2017, licensed by the CBN as a Payment Service Solution Provider (PSSP). The Kora Payments API covers the full payment lifecycle: pay-in collections via card, bank transfer, USSD, and mobile money; bulk payout disbursements for payroll and logistics; virtual bank account issuance for automated reconciliation; and virtual card issuing in USD and NGN. Kora is trusted by high-volume businesses like GIG Logistics and MyXalary for mission-critical disbursements. PCI-DSS and ISO certified, with free sandbox API keys and no compliance review required for testing.

26. Fincra

Banking & Fintech, Currency Exchange

Fincra is a global payment infrastructure company providing API-based pay-in collections, payouts (transfers and disbursements), and cross-border settlement solutions enabling businesses to collect and process payments both locally and globally. Fincra addresses the core pain point of moving money in and out of Africa through unified API infrastructure supporting multiple payment channels and currency rails. The platform is particularly designed for fintech companies, financial institutions, FMCG brands, betting platforms, e-commerce, marketplaces, freelance platforms, forex services, global businesses, logistics/mobility companies, consulting firms, education platforms, enterprises, and SaaS platforms. Fincra provides access to domestic payment rails (SEPA, Instant SEPA, ACH, SWIFT) and international card acquiring in USD, EUR, GBP, and CAD. The company holds PCI DSS certification, ISO 27001 and ISO 22301 certifications for information security management systems (ISMS) and business continuity management systems (BCMS). Transactions are monitored and reported regularly with chargeback management capabilities. Multiple products include Accounts (virtual accounts), Payments (collections and transfers), Remittances (cross-border), Treasury (digital banking), KYC (identity verification), and Card Acquiring.

27. Quidax

Blockchain, Banking & Fintech, Currency Exchange

Quidax is Nigeria's first SEC-licensed cryptocurrency exchange and stablecoin API platform, launched in 2018 and granted Approval in Principle by the Nigerian Securities and Exchange Commission (SEC) in August 2024. The platform provides secure stablecoin (USDT/USDC) collection APIs that connect dollar-pegged rails with local Nigerian Naira currency, enabling businesses to accept crypto payments with instant settlement and minimal fees. Quidax serves 1M+ users with 8 products and 100+ team members, offering P2P trading, Instant Swap, Order Book trading, OTC desk for large trades, and developer API access. The platform supports 72+ cryptocurrencies including Bitcoin, Ethereum, USDT, and its native QDX token. Developers can generate unique deposit addresses for each customer, monitor blockchain payments via webhook notifications, and access instant settlement without T+3 or T+7 delays typical of traditional gateways. Quidax processes approximately $2.7 million in daily spot trading volume with direct bank transfer and fintech wallet integrations (Opay, PalmPay, Kuda) for Nigerian users.

28. Nium Payout API

Payments, Cross-border, Fintech

Nium is a global fintech infrastructure platform offering a Payout API that enables businesses to send money to 100+ countries — with real-time settlement in 65+ countries. The Nium Payout API supports payouts to bank accounts, mobile wallets, and cards across Africa including Nigeria, making it suitable for payroll platforms, remittance apps, and global marketplaces disbursing to Nigerian recipients. The API supports 90+ currencies and integrates compliance and FX conversion natively — so businesses don't need separate FX or compliance vendors. Nium is licensed in multiple jurisdictions and trusted by major banks and fintechs globally. Developer documentation covers sandbox testing, webhooks, and API reference for automating payout flows at scale.

29. Rapyd Payout API

Payments, Cross-border, Fintech, Embedded Finance

Rapyd is a global fintech-as-a-service platform offering a Payout API that gives businesses access to a worldwide disbursement network spanning 190+ countries — including Nigeria. The Rapyd Payout API supports payouts to local bank accounts, mobile wallets, cash pickup networks, and prepaid cards through a single integration. For Nigerian use cases, Rapyd enables businesses to disburse NGN to local bank accounts and connect to mobile money networks. The platform handles local compliance, FX conversion, and payment rail selection automatically — removing the need for local banking partners in each country. Rapyd is used by insurtech companies, gig economy platforms, and global marketplaces that need to pay Nigerian contractors, drivers, and merchants. Sandbox environment, full API documentation, and developer support available.

30. Currencyapi

Currency Exchange, Blockchain, Banking & Fintech

Currencyapi is a modern, developer-friendly foreign exchange rate API providing real-time and historical currency data for 170+ currencies. The Currencyapi platform offers clean JSON responses, generous free tiers, and powerful endpoints for currency conversion, historical rates, and exchange rate monitoring. With the Currencyapi, developers can build currency converters, multi-currency e-commerce stores, financial dashboards, and portfolio trackers that serve Nigerian and international users with accurate, frequently updated rate data.

31. Paystack API

Events, Commerce, Payments, Banking & Fintech

Paystack API is Nigeria's leading payment processing platform, enabling businesses to accept payments from customers across Africa and globally. The Paystack API supports card payments, bank transfers, USSD, mobile money, and QR codes, making it one of the most versatile payment APIs available to Nigerian developers. With the Paystack API, developers can integrate seamless checkout experiences, manage subscriptions, issue refunds, split payments between multiple accounts, and receive real-time webhook notifications for every transaction event.

32. Flutterwave API

Events, Commerce, Payments, Banking & Fintech

Flutterwave API is Africa's leading payment infrastructure platform, enabling businesses to accept and send money across 34+ African countries. The Flutterwave API supports over 30 payment methods including cards, mobile money, bank transfers, USSD, M-Pesa, and barter, making it the most comprehensive multi-currency payment API on the continent. With the Flutterwave API, developers can build checkout flows, generate payment links, manage virtual accounts, process bulk disbursements, and integrate cross-border payment capabilities into any application.

33. Stripe

Payments, Commerce, Banking & Fintech

Stripe API is the world's most powerful payment processing platform, trusted by millions of companies from startups to Fortune 500s. The Stripe API provides a comprehensive suite of payment tools including card processing, bank debits, buy-now-pay-later, subscriptions, and billing management. Nigerian and global developers use the Stripe API to build sophisticated financial products with advanced fraud detection, support for 135+ currencies, and developer-friendly SDKs across every major language. The Stripe API's modular architecture allows teams to start simple and scale to enterprise-grade payment infrastructure.

34. Payaza API

Payments, Banking & Fintech

Payaza is a Nigerian payments and financial infrastructure platform providing APIs and SDKs for businesses that need both local and international payment capabilities. The Payaza API supports payment processing, virtual accounts, settlements, and international disbursements — making it suitable for Nigerian businesses with cross-border payment needs. Payaza serves businesses requiring developer-friendly integration with support for cards, bank transfers, and international payment rails. The platform provides comprehensive documentation, sandbox testing, and SDKs for rapid integration.

35. Breet API

Blockchain, Banking & Fintech, Currency Exchange

Breet is a Nigerian stablecoin payment platform that provides an API for accepting USDT and USDC payments with instant automatic conversion to Nigerian Naira (NGN). The Breet API is designed for Nigerian businesses wanting to accept stablecoins from customers globally without managing crypto volatility — funds are converted and settled in Naira. Ideal for e-commerce, freelancer payment platforms, and diaspora remittance applications serving Nigeria.

36. Stripe API

Events, Commerce, Payments

Stripe API enables accepting payments for events and tickets. The service provides payment processing, refunds, and subscription management. Features include credit card processing, recurring billing, and real-time webhooks. Freemium with low transaction fees. Essential for monetizing event applications.

37. Nomba API

Payments, Banking & Fintech

Payments and banking infrastructure API for African businesses. Nomba provides APIs for payment processing, business banking, merchant services, and financial integrations. Serves 200k+ African businesses with accessible banking and payment solutions.