17 Best APIs with Fintech in Nigeria

We've analyzed and compared the top 17 API providers supporting Fintech for Nigerian developers and businesses. Find the right infrastructure fit for your startup below.

Written by Editorial Staffs as at 11th June, 2026

All APIs with Fintech

Compare
Monica Blockchain APIs
Nomba Global Payout API
Woven Finance
Netapps IaaS API
Korapay API
Mono Connect
Fincra
Anchor API
Paystack API
Flutterwave API
Stripe
RoutePay Fintech
Kuda Bank API
Payaza API
Zone (formerly AppZone)
Mono
Nomba API
PricingfreemiumpaidCompetitive per-transaction fees with transparent pricing (contact for specific rates)paidFree sandbox for testing. Production: 1.5% + processing fees on card transactions; transfer fees on disbursements.Free tier + usage-based billing for productionVaries by payment channel (domestic, international, remittance). Request pricing from sales team.Subscription-based SaaS; pricing varies by feature tierNo monthly fees. 1.5% per transaction (local), capped at ₦2,000. International cards: 3.9% + ₦1001.4% per local transaction, 3.8% international. No setup fees. Volume discounts available.2.9% + $0.30 per successful card charge. Additional fees for international cards, currency conversion, and advanced features.Transaction-based pricing (contact for specific rates based on payment method)Freemium. Transaction fees apply. Contact for developer access.Transaction-based fees; pricing varies by serviceEnterprise pricing based on transaction volume and settlement arrangementsPay-per-use model. Pricing based on number of connected accounts and API calls.Free for basic features; paid plans for advanced features
Node Access
Yes
No
No
No
No
No
No
No
No
No
No
No
No
No
No
No
No
Payments
Yes
No
No
No
No
No
No
No
No
No
No
No
No
No
No
No
No
Africa Focus
Yes
No
No
No
No
No
No
No
No
No
No
No
No
No
No
No
No
Fintech
Yes
No
No
No
No
No
No
No
No
No
No
No
No
No
No
No
No
Remittances
Yes
No
No
No
No
No
No
No
No
No
No
No
No
No
No
No
No
Growing Platform
Yes
No
No
No
No
No
No
No
No
No
No
No
No
No
No
No
No
Easy Integration
Yes
No
No
No
No
No
No
No
No
No
No
No
No
No
No
No
No
Support
Yes
No
No
No
No
No
No
No
No
No
No
No
No
No
No
No
No
Emerging
Yes
No
No
No
No
No
No
No
No
No
No
No
No
No
No
No
No
Future-ready
Yes
No
No
No
No
No
No
No
No
No
No
No
No
No
No
No
No
Cross-border Settlement
No
Yes
No
No
Yes
No
Yes
No
No
No
No
No
No
No
No
No
No
Multi-currency
No
Yes
No
No
No
No
Yes
No
Yes
Yes
Yes
No
No
No
No
No
No
Bank Transfer
No
Yes
No
No
No
No
No
No
Yes
Yes
No
No
No
No
No
No
No
Bulk Payouts
No
Yes
No
No
Yes
No
Yes
No
No
No
No
No
No
No
No
No
No
Bank Transfer Payouts
No
Yes
No
No
No
No
No
No
No
No
No
No
No
No
No
No
No
API Access
No
Yes
No
No
No
No
No
No
No
No
No
No
No
No
No
No
No
Webhook Notifications
No
Yes
No
No
No
Yes
No
No
No
No
No
No
Yes
No
Yes
No
No
Virtual Account Collections
No
No
Yes
No
No
No
No
No
No
No
No
No
No
No
No
No
No
Payouts & Disbursements
No
No
Yes
No
No
No
Yes
No
No
No
No
No
No
No
No
No
No
Card Payments (Debit & Credit)
No
No
Yes
No
No
No
No
No
No
No
No
No
No
No
No
No
No
Bank Transfer Payments
No
No
Yes
No
No
No
No
No
No
No
No
No
No
No
No
No
No
Direct Debit / Recurring Payments
No
No
Yes
No
No
No
No
No
No
No
No
No
No
No
No
No
No
Payment Links
No
No
Yes
No
Yes
No
Yes
No
Yes
Yes
No
No
No
No
No
No
Yes
International Payments
No
No
Yes
No
No
No
No
No
No
No
No
No
No
No
No
No
No
API & SDK Integration
No
No
Yes
No
No
No
No
No
No
No
No
No
No
No
No
No
No
E-commerce Plugin Integration
No
No
Yes
No
No
No
No
No
No
No
No
No
No
No
No
No
No
Fraud Detection & Prevention
No
No
Yes
No
No
No
No
No
No
No
No
No
No
No
No
No
No
Virtual Accounts
No
No
No
No
Yes
No
Yes
Yes
Yes
Yes
No
No
Yes
No
No
No
Yes
Account Linking
No
No
No
No
No
Yes
No
No
No
No
No
No
No
No
No
No
No
Balance Inquiry
No
No
No
No
No
Yes
No
No
No
No
No
No
No
No
No
No
No
Transaction History
No
No
No
No
No
Yes
Yes
No
Yes
Yes
Yes
No
No
No
No
Yes
No
Account Identity
No
No
No
No
No
Yes
No
No
No
No
No
No
No
No
No
No
No
BVN Verification
No
No
No
No
No
Yes
No
No
No
No
No
Yes
No
No
No
No
No
Real-time Sync
No
No
No
No
No
Yes
No
No
No
No
No
No
No
No
No
No
No
Mobile SDK
No
No
No
No
No
Yes
No
No
No
No
No
No
No
No
No
No
No
International Accounts
No
No
No
No
No
No
No
No
No
No
No
No
No
No
No
No
No
Credit Score Data
No
No
No
No
No
No
No
No
No
No
No
No
No
No
No
No
No
Bank Account Linking
No
No
No
No
No
Yes
No
No
No
No
No
No
No
No
No
Yes
No
Pay-in Collections (Multiple Channels)
No
No
No
No
No
No
Yes
No
No
No
No
No
No
No
No
No
No
International Card Acquiring
No
No
No
No
No
No
Yes
No
No
No
No
No
No
No
No
No
No
Remittance Services
No
No
No
No
No
No
Yes
No
No
No
No
No
No
No
No
No
No
Treasury & Digital Banking
No
No
No
No
No
No
Yes
No
No
No
No
No
No
No
No
No
No
KYC & Identity Verification
No
No
No
No
No
No
Yes
No
No
No
No
No
No
No
No
No
No
SWIFT & SEPA Rails
No
No
No
No
No
No
Yes
No
No
No
No
No
No
No
No
No
No
Bulk Transfers
No
No
No
No
No
No
Yes
No
Yes
Yes
No
No
No
No
No
No
No
Recurring Billing
No
No
No
No
No
No
Yes
Yes
Yes
Yes
No
No
No
No
No
No
No
Card Payments
No
No
No
No
No
No
Yes
Yes
Yes
Yes
Yes
Yes
No
No
No
No
Yes
USSD Payments
No
No
No
No
No
No
Yes
No
Yes
Yes
No
Yes
No
No
No
No
No
Transaction Monitoring
No
No
No
No
No
No
Yes
No
Yes
Yes
Yes
No
No
No
No
No
No
SDK Support
No
No
No
No
No
No
Yes
No
Yes
Yes
Yes
No
No
No
No
No
No
Compliance
No
No
No
No
No
No
Yes
No
Yes
Yes
Yes
No
No
No
No
No
No
Direct Debit
No
No
No
No
No
No
No
Yes
Yes
Yes
No
No
No
No
No
Yes
No
Mobile Money
No
No
No
No
No
No
No
No
Yes
No
No
No
No
No
No
No
Yes
Refunds
No
No
No
No
No
No
No
No
Yes
No
No
No
No
No
No
No
No
Split Payments
No
No
No
No
No
No
No
No
Yes
Yes
No
No
No
No
No
No
No
Webhooks
No
No
No
No
No
No
No
No
Yes
Yes
Yes
No
No
No
No
Yes
No
Sandbox Environment
No
No
No
No
No
No
No
No
Yes
Yes
Yes
No
No
No
No
Yes
No
Bill Payments
No
No
No
No
No
No
No
No
Yes
Yes
No
Yes
Yes
No
No
No
No
QR Code Payments
No
No
No
No
No
No
No
No
Yes
Yes
No
No
No
No
No
No
No
Fraud Detection
No
No
No
No
No
No
No
No
Yes
Yes
No
No
No
No
No
No
No
Batch Processing
No
No
No
No
No
No
No
No
Yes
Yes
Yes
No
No
No
No
No
No
Real-time Data
No
No
No
No
No
No
No
No
Yes
Yes
Yes
No
No
No
No
No
No
Data Export
No
No
No
No
No
No
No
No
Yes
Yes
Yes
No
No
No
No
No
No
USSD
No
No
No
No
No
No
No
No
No
Yes
No
No
No
No
No
No
No
Mobile Money (M-Pesa etc)
No
No
No
No
No
No
No
No
No
Yes
No
No
No
No
No
No
No
FX Conversion
No
No
No
No
No
No
No
No
No
Yes
No
No
No
No
No
No
No
Bank Debit (ACH)
No
No
No
No
No
No
No
No
No
No
Yes
No
No
No
No
No
No
Buy Now Pay Later
No
No
No
No
No
No
No
No
No
No
Yes
No
No
No
No
No
No
Recurring Subscriptions
No
No
No
No
No
No
No
No
No
No
Yes
No
No
No
No
No
No
Marketplace Payouts (Connect)
No
No
No
No
No
No
No
No
No
No
Yes
No
No
No
No
No
No
Invoicing
No
No
No
No
No
No
No
No
No
No
Yes
No
No
No
No
No
No
Fraud Detection (Radar)
No
No
No
No
No
No
No
No
No
No
Yes
No
No
No
No
No
No
Terminal (In-person)
No
No
No
No
No
No
No
No
No
No
Yes
No
No
No
No
No
No
Nigerian Naira (NGN)
No
No
No
No
No
No
No
No
No
No
No
No
No
No
No
No
No
Web Payments
No
No
No
No
No
No
No
No
No
No
No
Yes
No
No
No
No
No
Mobile App Payments
No
No
No
No
No
No
No
No
No
No
No
Yes
No
No
No
No
No
POS Terminal Payments
No
No
No
No
No
No
No
No
No
No
No
Yes
No
No
No
No
No
ATM Transactions
No
No
No
No
No
No
No
No
No
No
No
Yes
No
No
No
No
No
Bank Transfers
No
No
No
No
No
No
No
No
No
No
No
Yes
No
No
No
No
No
Credit Facilities (MFB)
No
No
No
No
No
No
No
No
No
No
No
Yes
No
No
No
No
No
Account Creation
No
No
No
No
No
No
No
No
No
No
No
No
Yes
No
No
No
No
Fund Transfer
No
No
No
No
No
No
No
No
No
No
No
No
Yes
No
No
No
No
Account Balance Query
No
No
No
No
No
No
No
No
No
No
No
No
Yes
No
No
No
No
Statement Retrieval
No
No
No
No
No
No
No
No
No
No
No
No
Yes
No
No
No
No
Airtime Purchase
No
No
No
No
No
No
No
No
No
No
No
No
Yes
No
No
No
No
Blockchain-powered Switching
No
No
No
No
No
No
No
No
No
No
No
No
No
No
Yes
No
No
Interbank Payment Processing
No
No
No
No
No
No
No
No
No
No
No
No
No
No
Yes
No
No
50,000 TPS Capacity
No
No
No
No
No
No
No
No
No
No
No
No
No
No
Yes
No
No
Same-day Settlement
No
No
No
No
No
No
No
No
No
No
No
No
No
No
Yes
No
No
Decentralized Architecture
No
No
No
No
No
No
No
No
No
No
No
No
No
No
Yes
No
No
NIBSS Integration
No
No
No
No
No
No
No
No
No
No
No
No
No
No
Yes
No
No
AML/Fraud Detection
No
No
No
No
No
No
No
No
No
No
No
No
No
No
Yes
No
No
Real-time Monitoring
No
No
No
No
No
No
No
No
No
No
No
No
No
No
Yes
No
No
White-label Capabilities
No
No
No
No
No
No
No
No
No
No
No
No
No
No
Yes
No
No
Identity Data
No
No
No
No
No
No
No
No
No
No
No
No
No
No
No
Yes
No
Income Verification
No
No
No
No
No
No
No
No
No
No
No
No
No
No
No
Yes
No
Statements PDF
No
No
No
No
No
No
No
No
No
No
No
No
No
No
No
Yes
No
50+ Banks
No
No
No
No
No
No
No
No
No
No
No
No
No
No
No
Yes
No
Credit Scoring Data
No
No
No
No
No
No
No
No
No
No
No
No
No
No
No
Yes
No
View Details View Details View Details View Details View Details View Details View Details View Details View Details View Details View Details View Details View Details View Details View Details View Details View Details
++++
Monica Blockchain APIs

Monica Blockchain APIs

++++
Nomba Global Payout API

Nomba Global Payout API

++++
Woven Finance

Woven Finance

++++
Netapps IaaS API

Netapps IaaS API

++++
Korapay API

Korapay API

++++
Mono Connect

Mono Connect

++++
Fincra

Fincra

++++
Anchor API

Anchor API

++++
Paystack API

Paystack API

++++
Flutterwave API

Flutterwave API

++++
Stripe

Stripe

++++
RoutePay Fintech

RoutePay Fintech

++++
Kuda Bank API

Kuda Bank API

++++
Payaza API

Payaza API

++++
Zone (formerly AppZone)

Zone (formerly AppZone)

++++
Mono

Mono

++++
Nomba API

Nomba API