VFD API
Banking & Fintech · Payments · Nigeria
VFD Tech is the technology subsidiary of VFD Group Plc, a Lagos-based diversified financial holding company listed on the Nigerian Exchange Group (NGX). VFD Tech provides Banking-as-a-Service (BaaS) infrastructure through its VBaaS platform, powered in collaboration with VFD Microfinance Bank Limited a CBN-licensed microfinance bank that is also part of the VFD Group ecosystem.
VFD API Highlights
VFD API is verified for developer integrations in Nigeria and across African markets, providing documented endpoints, sandbox testing, and developer support.
Access Token (generated via the VBaaS portal at vbaas.vfdtech.ng)
Not publicly specified
Nigeria
Ghana
KenyaVFD API is best for:
Nigerian fintechs, lenders, cooperatives, and savings platforms building wallet-based financial products on VFD Microfinance Bank infrastructure with access to Wallet APIs, Loan APIs, Direct Debit, and Bills Payment through a single CBN-licensed BaaS provider.
- Contact VFD Tech for pricing
- Transaction-based fees
- No publicly listed rates enterprise pricing via the vbaas.vfdtech.ng portal
VFD API Core Features & Capabilities
Features Included
Not Supported
Required Access Documents for VFD API
- VBaaS Account RegistrationRequiredRegister at vbaas.vfdtech.ng to get API access credentials and generate access tokens.
- CAC Registration CertificateRequiredCertificate of Incorporation required for business account activation.
- Director BVN and Government IDRequiredCBN-required KYC for fintech platform onboarding through VFD Microfinance Bank.
Different VFD API use cases
- Digital Wallet for Savings App:Nigerian savings platforms can use VFD Tech Wallets API to create and manage individual user wallets backed by VFD Microfinance Bank storing funds in CBN-licensed, NDIC-insured accounts.
- Embedded Lending Platform:Nigerian lenders and BNPL apps can use the VFD Tech Loans API to originate, disburse, and manage loan products within their fintech application without needing a separate MFB license.
- Recurring Debit for Cooperative Savings:Nigerian cooperative societies can use VFD Tech Debit Mandates to automatically debit member accounts on their contribution schedule replacing manual collection with automated bank debits.
- In-App Utility Bill Payments:Nigerian fintech apps can use the VFD Tech Bills Payment API to let users pay electricity, airtime, data, and cable TV bills from their in-app wallet balance.