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

Detailed technical benchmark and comparison between Bloc API and VFD 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

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V

VFD API

Build wallets, loans & bill payments on VFD's bank infrastructure

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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.

VFD 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.

Bloc API VS VFD API Key Highlights

Highlight	B Bloc API	V VFD API
Authentication	API Key (Secret Key from Bloc Dashboard)	Access Token (generated via the VBaaS portal at vbaas.vfdtech.ng)
Rate Limit	Not publicly specified contact Bloc for limits	Not publicly specified
Sandbox Mode	✓ Available	✓ Available
Webhooks	✓ Supported	✗ Not supported
API Services	Virtual Account & Account OpeningAccount Balance & Transaction HistoryBank Transfers & PayoutsBills & Airtime Vending	Virtual Account & Account OpeningAccount Balance & Transaction HistoryDirect Debit / Mandate PaymentsBank Transfers & Payouts
Supported Regions	NigeriaGhanaKenya	NigeriaGhanaKenya

Pricing & Fee Structure

Fee Component	B Bloc API	V VFD API
Transfers & Payouts	Virtual Accounts and Transfers pricing varies contact Bloc for enterprise rates	Contact provider
Free Tier / Trial Credits	Free to integrate	Contact provider
Rates & Additional Terms	Bills Payment API pays commissions to developers per successful transaction No upfront fees to start testing	Contact VFD Tech for pricing Transaction-based fees No publicly listed rates enterprise pricing via the vbaas.vfdtech.ng portal

Bloc API & VFD API Feature by Feature Comparison

Feature / Capability	B Bloc API	V VFD 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 VFD 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, VFD 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.. Your choice should align with whether your team prioritizes Bloc API's developer ecosystem or VFD API's specific capability set.

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

Bloc API provides a dedicated sandbox testing environment and supports real-time webhooks. VFD API offers sandbox testing and has webhook status unverified.

What are the fees and pricing models for Bloc API vs VFD 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.. VFD API pricing: Contact VFD Tech for pricing. Transaction-based fees. No publicly listed rates enterprise pricing via the vbaas.vfdtech.ng portal.. Both platforms offer tailored pricing structures for Nigerian transactions.

What authentication methods do Bloc API and VFD API use?

Bloc API uses API Key (Secret Key from Bloc Dashboard) authentication with Not publicly specified contact Bloc for limits. VFD API uses Access Token (generated via the VBaaS portal at vbaas.vfdtech.ng) authentication with Not publicly specified.

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