Remita API
Payments · Banking & Fintech · Nigeria
Remita is Nigeria's most widely deployed government payment infrastructure platform, operated by SystemSpecs a Lagos-based technology company founded in 1992. 7 million federal civil servants monthly.
Remita API Highlights
Remita API is verified for developer integrations in Nigeria and across African markets, providing documented endpoints, sandbox testing, and developer support.
OAuth 2.0 + Bearer Token + API-Key header (three-layer auth)
Not publicly specified
Nigeria
Ghana
KenyaRemita API is best for:
Nigerian government agencies, educational institutions, and enterprises needing a CBN-licensed payment gateway that integrates directly with IPPIS (federal salary payments), GIFMIS (government finance system), and supports multi-bank collections with a single Remita mandate the standard for government payment collections in Nigeria.
- Transaction-based pricing exact rates vary by product (collections, transfers, vending)
- Remita charges a percentage of collections
- Free demo/test environment
- Enterprise pricing for government and large-volume clients
Remita API Core Features & Capabilities
Features Included
Not Supported
Remita API Supported Webhook Events
Webhooks supported (Webhooks). Check official documentation for endpoint setup.
Required Access Documents for Remita API
- Remita Merchant AccountRequiredRegister at remita.net for a merchant account. Government entities require additional registration with SystemSpecs.
- CAC Registration CertificateRequiredCertificate of Incorporation or Business Name Registration from the Corporate Affairs Commission.
- Organization Tax ID (TIN)OptionalFor government agencies and enterprises, TIN is required for full onboarding.
Different Remita API use cases
- Government Agency Revenue Collection:Nigerian government ministries, departments, and agencies (MDAs) can use Remita to generate RRR (Remita Retrieval Reference) codes for citizens to pay levies, fines, and fees at any Nigerian bank with funds automatically remitted to the correct government account.
- University School Fees Portal:Nigerian universities can integrate the Remita Collections API to issue unique RRR codes for each student's school fee payment allowing students to pay at any bank counter, mobile app, or online, with automatic reconciliation.
- Salary and Payroll Disbursement:Nigerian corporations and government agencies can use Remita's IPPIS-integrated payroll disbursement to automatically transfer salaries to employee bank accounts on payday the standard for Nigerian federal government salary payments.
- Utility Vending API:Nigerian fintech platforms can use Remita's Vending API to programmatically purchase airtime, data bundles, DSTV subscriptions, and electricity units reselling these services within their own apps at a margin.
- Multi-Bank Collection with Single Reference:Nigerian businesses collecting payments from customers across multiple banks can issue a single Remita RRR code per invoice customers pay at any bank branch, ATM, or mobile banking app, and the funds are automatically reconciled to the merchant account.