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HomeCategoriesBanking & FintechComparisonsSterling Bank (sPay) API vs Bloc API
Back to Sterling Bank (sPay) API Alternatives

Sterling Bank (sPay) API vs Bloc API Comparison: Discover the best for Banking & Fintech in Nigeria

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

VS
SSterling Bank (sPay) API

Sterling Bank (sPay) API

Verify BVN & collect payments via Sterling Bank

Learn More
BBloc API

Bloc API

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

Learn More

Sterling Bank (sPay) API is best for Nigerian businesses and developers looking for reliable banking & fintech solutions.

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.

Sterling Bank (sPay) API VS Bloc API Key Highlights

Highlight
SSterling Bank (sPay) API
Sterling Bank (sPay) API
BBloc API
Bloc API
AuthenticationAPI KeyAPI Key (Secret Key from Bloc Dashboard)
Rate LimitContact Sterling BankNot publicly specified contact Bloc for limits
Sandbox Mode✓ Available✓ Available
WebhooksNot verified yet✗ Not supported
API Services
BVN / KYC Identity VerificationOpen Banking / Data Access
Virtual Card IssuancePhysical Card IssuanceNaira (NGN) CardDollar (USD) Virtual Card
Supported Regions
NigeriaNigeriaGhanaGhanaKenyaKenya
NigeriaNigeriaGhanaGhanaKenyaKenya

Pricing & Fee Structure

Fee Component
SSterling Bank (sPay) API
Sterling Bank (sPay) API
BBloc API
Bloc API
Transfers & PayoutsContact providerVirtual Accounts and Transfers pricing varies contact Bloc for enterprise rates
Free Tier / Trial CreditsContact providerFree to integrate
Rates & Additional Terms
  • Enterprise model
  • contact sPay team
  • Bills Payment API pays commissions to developers per successful transaction
  • No upfront fees to start testing

Sterling Bank (sPay) API & Bloc API Feature by Feature Comparison

Feature / Capability
SSterling Bank (sPay) API
Sterling Bank (sPay) API
BBloc API
Bloc API
Virtual Accounts✗✗
Account Balance & Transaction History✗✗
Direct Debit / Mandate Payments✗✗
Bank Transfers & Payouts✗✗
BVN / KYC Identity Verification✓✗
Card Issuance✗✗
Savings & Investment Products✗✗
Open Banking / Data Access✓✗
Virtual Card Issuance✗✓
Physical Card Issuance✗✓
Naira (NGN) Card✗✓
Dollar (USD) Virtual Card✗✓
Spend Controls & Limits✗✗
Webhooks & Event Notifications✗✗
Card Balance Top-up✗✓
Card Freeze & Unfreeze✗✓
Sandbox Testing Environment✓✓
API Key / Token Authentication✓✓

Frequently Asked Questions

Which is better between Sterling Bank (sPay) API and Bloc API in Nigeria?
Sterling Bank (sPay) API is best for: Nigerian businesses looking for reliable banking & fintech solutions. 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 Sterling Bank (sPay) API's developer ecosystem or Bloc API's specific capability set.
Does Sterling Bank (sPay) API or Bloc API support webhooks and sandbox testing?
Sterling Bank (sPay) API provides a dedicated sandbox testing environment and has webhook status unverified. Bloc API offers sandbox testing and has webhook status unverified.
What are the fees and pricing models for Sterling Bank (sPay) API vs Bloc API?
Sterling Bank (sPay) API pricing: Enterprise model; contact sPay team. 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 Sterling Bank (sPay) API and Bloc API use?
Sterling Bank (sPay) API uses API Key authentication with Contact Sterling Bank. Bloc API uses API Key (Secret Key from Bloc Dashboard) authentication with Not publicly specified contact Bloc for limits.

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