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HomeCategoriesPayment Gateways & ProcessorsComparisonsEpic Pay API vs Mono Connect API
Back to Epic Pay API Alternatives

Epic Pay API vs Mono Connect API Comparison: Discover the best for Payment Gateways & Processors in Nigeria

Detailed technical benchmark and comparison between Epic Pay API and Mono Connect API. Analyze pricing structures, verified webhooks, sandbox testing, authentication, and compliance for teams building in Nigeria.

VS
EEpic Pay API

Epic Pay API

Accept one-time payments through a white-label-ready, PCI-certified gateway

Learn More
MMono Connect API

Mono Connect API

Link bank accounts to access transaction history & income data

Learn More

Epic Pay API is best for nigerian businesses, fintechs, and developers that need a white-label-ready payment gateway with PCI DSS 4.0 certification, supporting one-time payments, recurring billing, tokenization, and agent boarding via a multi-API developer portal.

Mono Connect API is best for nigerian lenders, neobanks, savings apps, and personal finance tools that need to link customer bank accounts for transaction history, income verification, direct bank debits (DirectPay), and identity verification all via one open banking API covering 30+ Nigerian financial institutions.

Epic Pay API VS Mono Connect API Key Highlights

Highlight
EEpic Pay API
Epic Pay API
MMono Connect API
Mono Connect API
AuthenticationAPI Key (from EpicPay Gateway Developer Portal)Client Secret Key (passed as mono-sec-key in request headers)
Rate LimitNot publicly specifiedNot publicly specified
Sandbox Mode✓ Available✓ Available
Webhooks✗ Not supported✓ Supported
API Services
Card Payments (Visa / Mastercard / Verve)Bank Transfer / Pay by TransferUSSD PaymentsInternational / Multi-Currency Payments
Virtual Account & Account OpeningAccount Balance & Transaction HistoryDirect Debit / Mandate PaymentsBVN / KYC Identity Verification
Supported Regions
NigeriaNigeriaGhanaGhanaKenyaKenya
NigeriaNigeriaGhanaGhanaKenyaKenya

Pricing & Fee Structure

Fee Component
EEpic Pay API
Epic Pay API
MMono Connect API
Mono Connect API
Free Tier / Trial CreditsFree developer portal access for testingFree sandbox available
Rates & Additional Terms
  • Not publicly listed
  • Contact Epic Pay for transaction fee structure
  • DirectPay:1% per transaction capped at NGN 1,000
  • Financial Data (account linking):subscription-based, contact Mono for pricing
  • Identity Verification:per-verification pricing

Epic Pay API & Mono Connect API Feature by Feature Comparison

Feature / Capability
EEpic Pay API
Epic Pay API
MMono Connect API
Mono Connect API
Card Payments (Verve/Visa/Mastercard)✓✗
Bank Transfer / Pay by Transfer✓✗
USSD Payments✓✗
Virtual Accounts✗✓
International / Multi-Currency Payments✓✗
Recurring Billing / Subscriptions✓✗
Payment Links & Hosted Checkout✓✗
Webhooks & Event Notifications✗✓
Account Balance & Transaction History✗✓
Direct Debit / Mandate Payments✗✓
Bank Transfers & Payouts✗✗
BVN / KYC Identity Verification✗✓
Card Issuance✗✓
Savings & Investment Products✗✗
Open Banking / Data Access✗✗
Sandbox Testing Environment✓✓
API Key / Token Authentication✓✓

Frequently Asked Questions

Which is better between Epic Pay API and Mono Connect API in Nigeria?
Epic Pay API is best for: Nigerian businesses, fintechs, and developers that need a white-label-ready payment gateway with PCI DSS 4.0 certification, supporting one-time payments, recurring billing, tokenization, and agent boarding via a multi-API developer portal.. Meanwhile, Mono Connect API is best for: Nigerian lenders, neobanks, savings apps, and personal finance tools that need to link customer bank accounts for transaction history, income verification, direct bank debits (DirectPay), and identity verification all via one open banking API covering 30+ Nigerian financial institutions.. Your choice should align with whether your team prioritizes Epic Pay API's developer ecosystem or Mono Connect API's specific capability set.
Does Epic Pay API or Mono Connect API support webhooks and sandbox testing?
Epic Pay API provides a dedicated sandbox testing environment and has webhook status unverified. Mono Connect API offers sandbox testing and supports real-time webhooks.
What are the fees and pricing models for Epic Pay API vs Mono Connect API?
Epic Pay API pricing: Not publicly listed. Contact Epic Pay for transaction fee structure. Free developer portal access for testing.. Mono Connect API pricing: DirectPay: 1% per transaction capped at NGN 1,000. Financial Data (account linking): subscription-based, contact Mono for pricing. Identity Verification: per-verification pricing. Free sandbox available.. Both platforms offer tailored pricing structures for Nigerian transactions.
What authentication methods do Epic Pay API and Mono Connect API use?
Epic Pay API uses API Key (from EpicPay Gateway Developer Portal) authentication with Not publicly specified. Mono Connect API uses Client Secret Key (passed as mono-sec-key in request headers) authentication with Not publicly specified.

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