Finecore API
Banking & Open Banking · Card Issuing
Issue virtual accounts, wallets & cards and send cross-border payouts via one API
Finecore API Highlights
Finecore API is best for Nigerian startups that want to embed accounts, wallets, cards and cross-border payouts through partner banks instead of getting their own licence.
API Key
Not publicly specified
Nigeria
Ghana
KenyaFinecore is a Nigerian financial infrastructure platform (RC 5096997) that offers banking-as-a-service through licensed partner banks. Its REST APIs cover virtual accounts and IBANs with sub-ledgers, programmable multi-currency wallets, card issuing (Mastercard, Visa and local cards), ecommerce payments (cards, digital wallets and stablecoin checkout), KYC/KYB onboarding, and domestic and international payouts over NIP, SWIFT, SEPA, ACH and stablecoin rails.
The platform supports FX conversion and collections across 26 currencies, including NGN, USD, GBP, EUR, CAD, KES and GHS, with webhooks and SDKs. co.
Finecore does not hold its own banking licence; services run through regulated partner banks.
Finecore API Core Features & Capabilities
| Feature | Status | Description & Capabilities |
|---|---|---|
| Virtual Account & Account Opening | ✓ Supported | Programmatically provision compliant bank accounts with dedicated NUBANs for end users. |
| Bank Transfers & Payouts | ✓ Supported | Disburse automated single and bulk transfers to all commercial banks and mobile money wallets. |
| BVN / KYC Identity Verification | ✓ Supported | Validate Bank Verification Numbers with official NIBSS records and biometric checks. |
| Card Issuance | ✓ Supported | Provides native Card Issuance capabilities integrated within the API. |
| Webhooks & Real-time Notifications | ✓ Supported | Receive immediate server callbacks on transaction completions, chargebacks, and system events. |
| Virtual Card Issuance | ✓ Supported | Programmatically generate virtual Mastercard or Visa cards for user spending and subscriptions. |
| Dollar (USD) Virtual Card | ✓ Supported | Issue USD-denominated cards for international SaaS subscriptions, cloud hosting, and global eCommerce. |
| Account Balance & Transaction History | ✗ Not Supported | Retrieve live account balances and detailed, reconciled statement histories via API. (Not supported by Finecore API). |
| Direct Debit / Mandate Payments | ✗ Not Supported | Establish authorized direct debit mandates to pull funds directly from customer bank accounts. (Not supported by Finecore API). |
| Savings & Investment Products | ✗ Not Supported | Integrate automated micro-savings, fixed deposit lockups, and yield-generating investments. (Not supported by Finecore API). |
| Open Banking / Data Access | ✗ Not Supported | Connect securely to customer bank accounts to retrieve enriched financial transactions and identity. (Not supported by Finecore API). |
| Bills & Airtime Vending | ✗ Not Supported | Bills & Airtime Vending is currently not supported by Finecore API. |
| Lending / Loans | ✗ Not Supported | Lending / Loans is currently not supported by Finecore API. |
- Pricing not published; enterprise terms via sales
- Sandbox accounts are free at app.finecore.co/register
Finecore API Supported Webhook Events
| Event Name | Trigger & Description |
|---|---|
payment.successful | Payment charge or invoice was processed and captured successfully. |
payment.failed | Payment collection attempt failed on card, transfer, or POS terminal. |
payout.successful | Outbound disbursement to bank account or mobile wallet was delivered. |
refund.processed | Refund was successfully settled back to customer payment method. |
dispute.created | Customer or bank logged a chargeback dispute against a transaction. |
Required Access Documents for Finecore API
- CAC RegistrationRequiredCertificate of Incorporation or Business Name registration from the Corporate Affairs Commission, required for business onboarding.
- Director / Owner IDRequiredValid government ID (NIN slip, international passport or driver's licence) for directors or beneficial owners.
- Proof of Business AddressOptionalUtility bill or tenancy document for the registered business address, if requested during KYB.
Different Finecore API use cases
- Wallet App without an MFB Licence:Give each user a Nigerian virtual account and wallet through Finecore's partner banks and handle transfers over NIP.
- Virtual Dollar Cards:Issue virtual cards for online payments and subscriptions, funded from multi-currency wallets.
- Cross-border Business Payouts:Collect in one currency, convert, and pay suppliers abroad over SWIFT, SEPA or stablecoin rails.