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HomeCategoriesPayouts & DisbursementsComparisonsRemita API vs Bloc API
Back to Remita API Alternatives

Remita API vs Bloc API Comparison: Discover the best for Payouts & Disbursements in Nigeria

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

VS
RRemita API

Remita API

Collect payments & integrate IPPIS payroll for government agencies

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BBloc API

Bloc API

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

Learn More

Remita API is best for nigerian government agencies, educational institutions, and enterprises needing a CBN-licensed payment gateway that integrates directly with IPPIS (federal salary payments), GIFMIS (government finance system), and supports multi-bank collections with a single Remita mandate the standard for government payment collections 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.

Remita API VS Bloc API Key Highlights

Highlight
RRemita API
Remita API
BBloc API
Bloc API
AuthenticationOAuth 2.0 + Bearer Token + API-Key header (three-layer auth)API Key (Secret Key from Bloc Dashboard)
Rate LimitNot publicly specifiedNot publicly specified contact Bloc for limits
Sandbox Mode✓ Available✓ Available
Webhooks✓ Supported✗ Not supported
API Services
Nigerian Bank Account PayoutsBulk / Batch Payout ProcessingInternational RemittancesWebhook Payment Status Notifications
Virtual Card IssuancePhysical Card IssuanceNaira (NGN) CardDollar (USD) Virtual Card
Supported Regions
NigeriaNigeriaGhanaGhanaKenyaKenya
NigeriaNigeriaGhanaGhanaKenyaKenya

Pricing & Fee Structure

Fee Component
RRemita API
Remita API
BBloc API
Bloc API
Transfers & PayoutsTransaction-based pricing exact rates vary by product (collections, transfers, vending)Virtual Accounts and Transfers pricing varies contact Bloc for enterprise rates
Free Tier / Trial CreditsFree demo/test environmentFree to integrate
Rates & Additional Terms
  • Remita charges a percentage of collections
  • Enterprise pricing for government and large-volume clients
  • Bills Payment API pays commissions to developers per successful transaction
  • No upfront fees to start testing

Remita API & Bloc API Feature by Feature Comparison

Feature / Capability
RRemita API
Remita API
BBloc API
Bloc API
Nigerian Bank Account Payouts✓✗
Mobile Money (M-Pesa, MTN)✗✗
Bulk / Batch Payout Processing✓✗
International Remittances✓✗
Naira (NGN) Settlements✗✗
Real-time / Instant Settlement✗✗
Webhooks & Event Notifications✓✗
Account Name Pre-verification✗✗
Virtual Card Issuance✗✓
Physical Card Issuance✗✓
Naira (NGN) Card✗✓
Dollar (USD) Virtual Card✗✓
Spend Controls & Limits✗✗
Card Balance Top-up✗✓
Card Freeze & Unfreeze✗✓
Sandbox Testing Environment✓✓
API Key / Token Authentication✓✓

Frequently Asked Questions

Which is better between Remita API and Bloc API in Nigeria?
Remita API is best for: Nigerian government agencies, educational institutions, and enterprises needing a CBN-licensed payment gateway that integrates directly with IPPIS (federal salary payments), GIFMIS (government finance system), and supports multi-bank collections with a single Remita mandate the standard for government payment collections in Nigeria.. Meanwhile, 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.. Your choice should align with whether your team prioritizes Remita API's developer ecosystem or Bloc API's specific capability set.
Does Remita API or Bloc API support webhooks and sandbox testing?
Remita API provides a dedicated sandbox testing environment and supports real-time webhooks. Bloc API offers sandbox testing and has webhook status unverified.
What are the fees and pricing models for Remita API vs Bloc API?
Remita API pricing: Transaction-based pricing exact rates vary by product (collections, transfers, vending). Remita charges a percentage of collections. Free demo/test environment. Enterprise pricing for government and large-volume clients.. 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.. Both platforms offer tailored pricing structures for Nigerian transactions.
What authentication methods do Remita API and Bloc API use?
Remita API uses OAuth 2.0 + Bearer Token + API-Key header (three-layer auth) authentication with Not publicly specified. Bloc API uses API Key (Secret Key from Bloc Dashboard) authentication with Not publicly specified contact Bloc for limits.

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