Detailed technical benchmark and comparison between Wireless Card Issuing & USSD API and Bloc API. Analyze pricing structures, verified webhooks, sandbox testing, authentication, and compliance for teams building in Nigeria.
Issue payment cards & process USSD payments across Africa
Embed virtual accounts, transfers & bills payment via a CBN-licensed bank
Wireless Card Issuing & USSD API is best for african fintech platforms, payment processors, and merchants needing both card issuance and USSD payment infrastructure for maximum market reach.
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.
| Highlight | W Wireless Card Issuing & USSD API | B Bloc API |
|---|---|---|
| Authentication | API Key / Bearer Token | API Key (Secret Key from Bloc Dashboard) |
| Rate Limit | Not publicly specified; contact support | Not publicly specified contact Bloc for limits |
| Sandbox Mode | ✓ Available | ✓ Available |
| Webhooks | ✗ Not supported | ✗ Not supported |
| API Services | Virtual Card IssuancePhysical Card IssuanceNaira (NGN) CardDollar (USD) Virtual Card | Virtual Card IssuancePhysical Card IssuanceNaira (NGN) CardDollar (USD) Virtual Card |
| Supported Regions |
| Fee Component | W Wireless Card Issuing & USSD API | B Bloc API |
|---|---|---|
| Transfers & Payouts | Contact provider | Virtual Accounts and Transfers pricing varies contact Bloc for enterprise rates |
| Free Tier / Trial Credits | Contact provider | Free to integrate |
| Rates & Additional Terms |
|
|
| Feature / Capability | W Wireless Card Issuing & USSD API | B Bloc API |
|---|---|---|
| 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 | ✓ | ✓ |
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