Onafriq (Baxi)
Banking & Fintech · Government · Payments
Onafriq (formerly MFS Africa) is Africa's largest digital payments gateway, operating across 40+ African countries and reaching over 500 million mobile wallets and bank accounts on the continent. In Nigeria, Onafriq operates the Baxi super-agent network — a branded agency banking network with over 460,000 active agents nationwide, covering both urban and rural areas. Baxi is one of Nigeria's largest super-agent networks and is used by streaming platforms, utilities, government agencies, and fintech companies to collect payments from and disburse to cash-preferred Nigerian consumers.
Nigerian digital businesses, streaming platforms, and fintechs that need to reach the 460,000+ Baxi agent network for cash-based collection — particularly for serving unbanked/underbanked customers who pay bills and subscriptions in cash at corner shops and POS agents.
Onafriq (formerly MFS Africa) operates Baxi, Nigeria's largest super-agent network (460,000+ agents, 248 billers). CBN-licensed through Onafriq Nigeria Payments Ltd. PAPSS partner for NGN-to-Ghana wallet payments (2026). Showmax uses Baxi for Nigerian subscriber payments. Ideal for reaching cash-paying offline Nigeria customers.
Features Included
Not Supported
Key Highlights
- 460,000+ Baxi agents across Nigeria — largest network
- 248 billers integrated for bill payments
- Collections via mobile money, bank, cards, and cash agents
- PAPSS partnership: NGN-to-Ghana cross-border payments
- CBN-licensed Payment Service Provider
- Powers Showmax Nigeria subscriber payments (2026)
- Formerly MFS Africa — Pan-African mobile money leader
Required Access Documents
- Baxi/Onafriq Partner AccountRequiredApply for a developer/partner account via onafriq.com to access API credentials.
- CAC Registration CertificateRequiredCertificate of Incorporation or Business Name Registration required for partnership onboarding.
- CBN Compliance DocumentationOptionalFor certain agent banking integrations, additional CBN compliance paperwork may be required depending on your use case.
Use Cases
- Offline Cash Collections via Agents:Nigerian digital businesses (streaming, e-commerce, insurance) can use the Onafriq/Baxi API to let unbanked customers pay their subscriptions or invoices in cash at any of 460,000+ Baxi agents — automatically crediting the merchant's account.
- Bill Payment Integration:Nigerian fintech apps can use the Onafriq 248-biller API to let users pay electricity, DSTV, insurance, and government bills from their app — without building direct biller integrations.
- Cross-Border NGN-to-Ghana Disbursements:Nigerian platforms can use the Onafriq PAPSS integration to disburse Naira-funded payments to Ghana mobile money wallets or bank accounts — leveraging the Pan-African Payment and Settlement System.
- Streaming Service Collections:OTT and streaming platforms (like Showmax) can use the Baxi agent network to sell subscription vouchers and collect cash payments from Nigerian subscribers who prefer to pay in person rather than online.
- Last-Mile Disbursements in Rural Nigeria:Social protection programs, agricultural buyers, and NGOs can use the Baxi disbursement API to pay rural beneficiaries in cash via the Baxi agent closest to them — reaching communities without bank branches.