SME Plug API
Utilities & Bill Payments · Communications
SME Plug is a Nigerian VTU (Virtual Top-Up) and reseller API platform providing airtime top-up, mobile data bundles, cable TV subscriptions, electricity token vending, and bulk SMS services for Nigerian developers and SME resellers. SME Plug targets the Nigerian micro-entrepreneur segment small VTU resellers, digital business owners, and developers who want to add VTU features to their applications with minimal setup.
SME Plug API Highlights
SME Plug API is verified for developer integrations in Nigeria and across African markets, providing documented endpoints, sandbox testing, and developer support.
Authentication
API Key
Rate Limit
Standard API rate limits. Contact SME Plug for production transaction limits.
Sandbox Mode
✓ Available
Webhooks
Not verified yet
Supported Regions
Nigeria
Ghana
Kenya
NigeriaGhanaKenyaSME Plug API Services
Prepaid Electricity Tokens (All DisCos)Cable TV (DSTV / GOtv / Startimes)Data Bundle PurchaseExam PINs (WAEC / NECO / JAMB)
AWS++++
API Pricing Model
- Wallet-funded model
- Airtime at discount below face value
- Data at SME rates
- Small margins on electricity and cable TV transactions
- Bulk SMS at per-message rates
- No monthly fee
SME Plug API Core Features & Capabilities
Features Included
Not Supported
Airtime Top-up (MTN / Airtel / Glo / 9mobile)Water / Other Utility BillsInstant PIN / Token Delivery
Required Access Documents for SME Plug API
Different SME Plug API use cases
- Nigerian SME VTU and SMS Business:Use SME Plug as the backend for a Nigerian micro-entrepreneur running both a VTU reselling business and SMS marketing services managing both product lines from one API integration and dashboard.
- VTU Feature in Nigerian Community App:Add airtime, data, and bill payment features to a Nigerian community or social app using SME Plug's accessible API with low minimum wallet funding requirements that match the small-scale nature of early-stage apps.
- WhatsApp VTU Reseller Bot for Nigerian Entrepreneur:Build a WhatsApp VTU bot for a Nigerian entrepreneur using SME Plug API letting customers request airtime, data, and electricity top-ups via WhatsApp chat with automated processing and payment confirmation.
- Customer SMS Notifications with VTU App:Use SME Plug for both VTU processing and transaction confirmation SMS in one Nigerian fintech app sending SMS notifications when a VTU transaction is confirmed, using SME Plug's bulk SMS capability.