Build Studio NG

Bloc API

Banking & Fintech · BaaS · Payments · Nigeria

Bloc is a Nigerian Banking-as-a-Service (BaaS) platform that enables developers and businesses to embed financial services directly into their products. Unlike many BaaS providers that rely on third-party bank partnerships, Bloc owns its banking infrastructure through Banc Corp MFB (Microfinance Bank), making it one of the few Nigerian fintechs to offer truly proprietary banking rails.

Bloc API Highlights

Bloc API is verified for developer integrations in Nigeria and across African markets, providing documented endpoints, sandbox testing, and developer support.

Authentication

API Key (Secret Key from Bloc Dashboard)

Rate Limit

Not publicly specified contact Bloc for limits

Sandbox Mode

✓ Available

Webhooks

✓ Supported

Supported Regions

Nigeria

Ghana

Kenya

Bloc API Services

Virtual Account Issuance (Fixed)Virtual Account Issuance (Collection)Bank Transfers (NIP)Bulk Transfers

Alternative African Company to

Plaid Stripe Treasury Tink Marqeta

Bloc API is best for:

Nigerian developers and startups that want to embed banking features virtual accounts, transfers, bills payment into their apps using a fully CBN-licensed Nigerian BaaS that owns its own banking infrastructure via Banc Corp MFB.

++++

API Pricing Model

Free to integrate
Bills Payment API pays commissions to developers per successful transaction
Virtual Accounts and Transfers pricing varies contact Bloc for enterprise rates
No upfront fees to start testing

Bloc API Core Features & Capabilities

Features Included

Virtual Account Issuance (Fixed)Virtual Account Issuance (Collection)Bank Transfers (NIP)Bulk Transfers Airtime/Data Bills Payment Electricity Bills Payment Cable TV Subscription Payment Webhooks Dashboard Management

Not Supported

Card IssuanceUSSD PaymentsInternational TransfersFX Conversion

Bloc API Supported Webhook Events

Webhooks supported (Webhooks). Check official documentation for endpoint setup.

Required Access Documents for Bloc API

CAC RegistrationRequired
Certificate of Incorporation or Business Name Registration from the Corporate Affairs Commission. Required for business account activation and going live.
Director BVNRequired
Bank Verification Number of at least one director or company officer as part of Bloc's CBN-mandated KYC process.
Valid Government IDRequired
International Passport, Driver's Licence, or NIN slip for identity verification of directors/owners.
Business Bank AccountOptional
An active Nigerian bank account for settlement configuration required before processing live transactions.

Different Bloc API use cases

Neobank Account Issuance:Issue dedicated Nigerian bank account numbers (Banc Corp MFB accounts) to end users instantly using Bloc Virtual Accounts API, allowing them to receive NIP transfers from any Nigerian bank.
Bills Payment Revenue Model:Embed Bloc Bills Payment API in your app to let Nigerian users pay for airtime, data, electricity, and cable TV and earn a commission per successful transaction from Bloc without charging users extra.
In-App Payroll for SME Platforms:Use Bloc Transfers API to allow Nigerian SME accounting and HR software to disburse employee salaries directly from within the product to any Nigerian bank account via bulk transfers.
Rent and Invoice Collection:PropTech and SaaS platforms can use Bloc Collection Accounts to assign each tenant or customer a unique virtual account number to track incoming NGN payments without manual reconciliation.
Marketplace Vendor Payouts:Nigerian marketplace platforms can use Bloc Bulk Transfers API to split revenue and pay multiple vendors simultaneously in a single API call after each sale cycle.

Bloc API Alternatives