Miden Banking as a Service API
Banking & Fintech · Payments · Financial Infrastructure
Miden is a financial technology platform providing Banking as a Service (BaaS) infrastructure and tools for businesses to build and manage payment programs. The company emphasizes providing "the infrastructure and tools you need to build and manage your payment programs" with a focus on Sub-Saharan African markets.
Financial institutions, logistics companies, travel platforms, and fintech companies building embedded payment and expense management solutions in Sub-Saharan Africa.
Miden is PCI-DSS compliant with dedicated fraud protection. Supports both NGN and USD accounts. Test environment available for integration. Production requires regulatory documentation aligned with local requirements.
Features Included
Not Supported
Technical Specs
- Pricing:Transaction and service-based pricing. Card issuance, account services, and payout fees available on request.
- Authentication:API Key / Bearer Token
- Rate Limit:Not publicly specified; contact support for details
- Sandbox Mode:✓ Available
Key Highlights
- Complete BaaS infrastructure in single platform
- PCI-DSS compliant fraud protection built-in
- Corporate card and expense management tools
- NGN and USD virtual accounts
- Payout to bank accounts and mobile money
- Sub-Saharan Africa regulatory compliance
- Wallet as a Service embedding
Required Access Documents
- Business RegistrationRequiredValid business registration from appropriate regulatory body.
- Director DocumentationRequiredDirector or principal owner identification.
- Compliance DocumentationRequiredDocuments supporting regulatory compliance in target market.
- Bank AccountRequiredActive business bank account for settlement.
Use Cases
- Employee Expense Cards:Build an HR platform issuing corporate expense cards to employees with category and amount controls using Miden's Corporate Card API.
- Logistics Fleet Cards:Create a fleet management system for logistics companies issuing fuel and operational cards with real-time expense visibility through Miden's Expense Management features.
- Travel Booking with Corporate Billing:Develop a travel platform that issues corporate cards and bundles payments using Miden's virtual accounts and expense management for business travel.
- Fintech Platform with Embedded Wallets:Build a fintech app using Miden's Wallet as a Service to provide branded digital wallets and card issuance to your customers.
- Marketplace with Vendor Payouts:Create a marketplace platform using Miden's payout operations to disburse earnings to vendors via bank accounts and mobile money across Africa.