Unlimit (formerly CardPay) API vs CBI Monie API Comparison: Discover the best for Payment Gateways & Processors in Nigeria
Detailed technical benchmark and comparison between Unlimit (formerly CardPay) API and CBI Monie API. Analyze pricing structures, verified webhooks, sandbox testing, authentication, and compliance for teams building in Nigeria.
Unlimit (formerly CardPay) API
Accept international payments for e-commerce, gaming & travel platforms
CBI Monie API
Manage wallets, virtual accounts & QR payments for fintechs and ERPs
Unlimit (formerly CardPay) API is best for nigerian and African businesses with international customer bases, global e-commerce merchants, gaming companies, travel platforms, and subscription services needing to accept 1,000+ payment methods across 150+ currencies with explicit support for Nigeria, Kenya, and Tanzania in Africa.
CBI Monie API is best for nigerian fintechs, ERP systems, government platforms, and agent network operators that need embedded payment infrastructure wallets, virtual accounts, QR codes, and merchant onboarding via a CBN-licensed, PCI-DSS certified API.
Unlimit (formerly CardPay) API VS CBI Monie API Key Highlights
| Highlight | U Unlimit (formerly CardPay) API | C CBI Monie API |
|---|---|---|
| Authentication | Terminal credentials (Terminal Code + Password) + SHA-512 signature server-to-server authentication for API gateway mode; OAuth 2.0 for some endpoints | API Key (contact CBI Monie to obtain) |
| Rate Limit | Not publicly documented enterprise SLA-based | Not publicly specified |
| Sandbox Mode | ✓ Available | ✓ Available |
| Webhooks | ✓ Supported | ✗ Not supported |
| API Services | Card Payments (Visa / Mastercard / Verve)Bank Transfer / Pay by TransferUSSD PaymentsInternational / Multi-Currency Payments | Card Payments (Visa / Mastercard / Verve)Bank Transfer / Pay by TransferUSSD PaymentsVirtual Account Numbers |
| Supported Regions |  Nigeria Ghana Kenya | NigeriaGhanaKenya |
Pricing & Fee Structure
| Fee Component | U Unlimit (formerly CardPay) API | C CBI Monie API |
|---|---|---|
| Free Tier / Trial Credits | No publicly listed free tier | Contact provider |
| Rates & Additional Terms |
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Unlimit (formerly CardPay) API & CBI Monie API Feature by Feature Comparison
| Feature / Capability | U Unlimit (formerly CardPay) API | C CBI Monie 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 | ✓ | ✗ |
| Sandbox Testing Environment | ✓ | ✓ |
| API Key / Token Authentication | ✓ | ✓ |
Frequently Asked Questions
Which is better between Unlimit (formerly CardPay) API and CBI Monie API in Nigeria?
Does Unlimit (formerly CardPay) API or CBI Monie API support webhooks and sandbox testing?
What are the fees and pricing models for Unlimit (formerly CardPay) API vs CBI Monie API?
What authentication methods do Unlimit (formerly CardPay) API and CBI Monie API use?
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