Build Studio NG

Bloc API vs Duplo API Comparison: Discover the best for Banking & Open Banking in Nigeria

Detailed technical benchmark and comparison between Bloc API and Duplo API. Analyze pricing structures, verified webhooks, sandbox testing, authentication, and compliance for teams building in Nigeria.

Last verified: 2 November, 2026

VS

B

Bloc API

Embed virtual accounts, transfers & bills payment via a CBN-licensed bank

Learn More

D

Duplo API

Automate B2B payments, expense management & NRS-compliant e-invoicing

Learn More

Bloc API is best for nigerian developers and startups that want to embed banking features virtual accounts, transfers, bills payment into their apps using a fully CBN-licensed Nigerian BaaS that owns its own banking infrastructure via Banc Corp MFB.

Duplo API is best for african businesses, fintechs, SaaS platforms, and financial institutions that need a unified B2B payment operating system combining bulk payments, expense management, virtual accounts, FX, and NRS-compliant e-invoicing.

Bloc API VS Duplo API Key Highlights

Highlight	B Bloc API	D Duplo API
Authentication	API Key (Secret Key from Bloc Dashboard)	API Key (dp_test_* for test mode, dp_live_* for live mode)
Rate Limit	Not publicly specified contact Bloc for limits	Not publicly specified
Sandbox Mode	✓ Available	✓ Available
Webhooks	✓ Supported	✓ Supported
API Services	Virtual Account & Account OpeningAccount Balance & Transaction HistoryBank Transfers & PayoutsBills & Airtime Vending	Virtual Account & Account OpeningBank Transfers & PayoutsWebhooks & Real-time Notifications
Supported Regions	NigeriaGhanaKenya	NigeriaGhanaKenya

Pricing & Fee Structure

Fee Component	B Bloc API	D Duplo API
Local Transactions / Cards	Contact provider	Local cards:1.5% capped at ₦1,200 ₦1,300
International / FX Cards	Contact provider	International cards:3.8% 4.0% Custom volume tiers for high-volume international processing
Transfers & Payouts	Virtual Accounts and Transfers pricing varies contact Bloc for enterprise rates	Contact provider
Free Tier / Trial Credits	Free to integrate	Free account available
Rates & Additional Terms	Bills Payment API pays commissions to developers per successful transaction No upfront fees to start testing	Contact Duplo for enterprise pricing

Bloc API & Duplo API Feature by Feature Comparison

Feature / Capability	B Bloc API	D Duplo API
Virtual Accounts	✓	✓
Account Balance & Transaction History	✓	✗
Bank Transfers & Payouts	✓	✓
Bills & Airtime Vending	✓	✗
Webhooks & Event Notifications	✓	✓
Direct Debit / Mandate Payments	✗	✗
BVN / KYC Identity Verification	✗	✗
Card Issuance	✗	✗
Savings & Investment Products	✗	✗
Open Banking / Data Access	✗	✗
Lending / Loans	✗	✗
Sandbox Testing Environment	✓	✓
API Key / Token Authentication	✓	✓

Frequently Asked Questions

Which is better between Bloc API and Duplo API in Nigeria?

Bloc API is best for: Nigerian developers and startups that want to embed banking features virtual accounts, transfers, bills payment into their apps using a fully CBN-licensed Nigerian BaaS that owns its own banking infrastructure via Banc Corp MFB.. Meanwhile, Duplo API is best for: African businesses, fintechs, SaaS platforms, and financial institutions that need a unified B2B payment operating system combining bulk payments, expense management, virtual accounts, FX, and NRS-compliant e-invoicing.. Your choice should align with whether your team prioritizes Bloc API's developer ecosystem or Duplo API's specific capability set.

Does Bloc API or Duplo API support webhooks and sandbox testing?

Bloc API provides a dedicated sandbox testing environment and supports real-time webhooks. Duplo API offers sandbox testing and supports real-time webhooks.

What are the fees and pricing models for Bloc API vs Duplo API?

Bloc API pricing: Free to integrate. Bills Payment API pays commissions to developers per successful transaction. Virtual Accounts and Transfers pricing varies contact Bloc for enterprise rates. No upfront fees to start testing.. Duplo API pricing: Local cards: 1.5% capped at ₦1,200 ₦1,300. International cards: 3.8% 4.0%. Custom volume tiers for high-volume international processing. Free account available. Contact Duplo for enterprise pricing.. Both platforms offer tailored pricing structures for Nigerian transactions.

What authentication methods do Bloc API and Duplo API use?

Bloc API uses API Key (Secret Key from Bloc Dashboard) authentication with Not publicly specified contact Bloc for limits. Duplo API uses API Key (dp_test_* for test mode, dp_live_* for live mode) authentication with Not publicly specified.

More Banking & Open Banking Comparisons in Nigeria

Discover head-to-head comparisons between Bloc API and Mono Connect API

Discover head-to-head comparisons between Duplo API and Mono Connect API

Discover head-to-head comparisons between Bloc API and Nigerian Banks API

Discover head-to-head comparisons between Duplo API and Nigerian Banks API

Discover head-to-head comparisons between Bloc API and Providus Bank API

Discover head-to-head comparisons between Duplo API and Providus Bank API