SME Plug API

Communications · Payments

SME Plug is a Nigerian Virtual Top-Up (VTU) and data automation platform based in Ibadan, Oyo State, that lets resellers, digital vendors, and developers programmatically distribute airtime, SME/gifting data bundles, cable TV subscriptions, electricity tokens, and bulk SMS to customers across MTN, Airtel, Glo, and 9mobile.

paid

Bearer Token

Not publicly documented

✗ Not Available

Best For

Nigerian VTU resellers and developers automating SME/gifting data delivery via API, backed by dashboard tools for airtime, cable TV, electricity, and bulk SMS

Pricing

The publicly documented Postman collection currently covers only wallet balance, network listing, and data-purchase endpoints plus transaction webhooks — airtime, cable TV, electricity, and bulk SMS are offered through the SME Plug dashboard but are not shown in this API doc snapshot, so confirm endpoint availability with SME Plug support before building integrations around them. No sandbox/test mode or published rate limit was found. Live discount pricing is only visible after registering and logging in.

Not Supported

Sandbox/test mode

Key Highlights

  • Automated SME/gifting data delivery via SIM, device, or wallet-based reseller mode
  • Supports MTN, Airtel, Glo, and 9mobile networks
  • Bearer-token REST API with configurable transaction webhooks
  • Bulk SMS priced from 2.5 kobo per unit
  • Cable TV (DStv, GOtv, Startimes) and electricity bill payment via the dashboard
  • Reseller and staff account management with real-time sales analytics

Required Access Documents

  • Private API KeyRequired
    Register an SME Plug account and generate a Bearer private key from the dashboard settings to authenticate API requests.

Use Cases

  • Automated Data Reselling:Dispense SME and gifting data bundles to customers automatically via SIM, device, or wallet method without manual intervention.
  • VTU Aggregator Apps:Build a branded top-up app that sells airtime, data, cable TV, and electricity to end customers.
  • Transaction Notifications:Use configurable webhooks to receive real-time success/failure updates instead of polling transaction status.
  • Bulk SMS Campaigns:Send promotional or transactional SMS to customers at rates from 2.5 kobo per unit.

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