50 Best APIs for Nigeria in Nigeria

We've analyzed and compared the top 50 API providers supporting Nigeria for Nigerian developers and businesses. Find the right infrastructure fit for your startup below.

Written by Editorial Staffs as at 5th August, 2026

All APIs with Nigeria

5 of 50 selected

NINAuth API

Pricing
Free for approved government and private sector partners.
Not available
Internet service management
Not available
Customer account management
Not available
Network configuration
Not available
On-demand rider dispatch
Not available
Live GPS tracking
Not available
Delivery status webhooks
Not available
Proof of delivery
Not available
Train schedules
Not available
Route information
Not available
Passenger booking
Not available
Station data
Not available
Freight logistics
Not available
API Access
Not available
JSON Responses
Not available
HTTPS Secure
Not available
Documentation
Not available
Sandbox
Not available
Free Tier
Not available
Nigerian stock prices
Not available
Forex rates
Not available
Market indices
Not available
Historical data
Not available
All 36 states + FCT
Not available
State codes & capitals
Not available
Free & open source
Not available
Current weather data
Not available
Weather forecasting
Not available
Rainfall data
Not available
Seasonal forecasts
Not available
Historical climate data
Not available
Airtime Top-up
Not available
Data Bundle Purchase
Not available
Multi-Network Support
Not available
Electricity Bills
Not available
Cable TV Subscription
Not available
Internet Services
Not available
Betting Services
Not available
Education Services
Not available
Insurance Payments
Not available
Instant Settlement
Not available
Webhooks
Not available
Sandbox Environment
Not available
Bulk Processing
Not available
Transaction History
Not available
Real-time Balance
Not available
API Documentation
Not available
Developer Support
Not available
Status Notification
Not available
Multiple Payment Methods
Not available
Fraud Detection
Not available
Bulk SMS
Not available
Campaign management
Not available
Delivery tracking
Not available
Credit scoring
Not available
BNPL financing
Not available
Micro-savings
Not available
Insurance products
Not available
Nationwide Nigeria Coverage (36 states)
Not available
Same-day Delivery Lagos
Not available
Next-day Delivery Nationwide
Not available
Waybill/Tracking Number
Not available
Cash on Delivery
Not available
Package Weight/Size-Based Pricing
Not available
Door-to-Door Delivery
Not available
API Integration
Not available
International Shipping
Not available
Real-time GPS Tracking
Not available
Card Payments (Verve/Visa/Mastercard)
Not available
Bank Transfer Checkout
Not available
USSD Payments
Not available
Mobile Money (M-Pesa, MTN)
Not available
International Card Payments
Not available
Recurring Billing / Subscriptions
Not available
Split Payments
Not available
Virtual Accounts
Not available
Bulk Transfers
Not available
Payment Links
Not available
Multi-Currency Settlement
Not available
Crypto Payments
Not available
BNPL (Buy Now Pay Later)
Not available
States data
Not available
LGA data
Not available
Wards data
Not available
Coordinates
Not available
JSON format
Not available
BNPL checkout
Not available
Installment plan management
Not available
Debt recovery
Not available
Airtime
Not available
Cheap data
Not available
Cable subscriptions
Not available
Bill payments
Not available
Automated savings
Not available
Investment products
Not available
Wealth management tools
Not available
Embedded ticket sales
Not available
Seat selection
Not available
Booking management
Not available
Payment collection
Not available
Payment processing
Not available
Collection management
Not available
Virtual Account Creation
Not available
Deposit Accounts
Not available
Instant NIP Bank Transfers
Not available
Physical Card Issuance
Not available
Virtual Card Issuance
Not available
Individual KYC Verification
Not available
Business KYB Verification
Not available
Savings & Investment Products
Not available
Loan / Credit Management
Not available
Bill Payments (Airtime, Data, Cable, Electricity)
Not available
Webhook Events
Not available
Sub-ledger / Sub-accounts
Not available
International SWIFT Transfers
Not available
Multi-currency Accounts
Not available
Official CBN rates
Not available
NFEM rates
Not available
Tax compliance
Not available
Accounting integration
Not available
Transfers
Not available
Virtual account creation
Not available
Balance inquiries
Not available
Webhook notifications
Not available
Data Bundles
Not available
Bulk Top-up
Not available
Instant Delivery
Not available
Customer Support
Not available
Account linking
Not available
Transaction access
Not available
Open banking functionality
Not available
Insurance plan pricing
Not available
Claims management
Not available
Device repair coordination
Not available
IMEI tracking
Not available
BVN verification
Not available
Collections
Not available
Open banking access
Not available
Custom integrations
Not available
Cheap data packages
Not available
Cable TV
Not available
Utilities
Not available
Investment Plans
Not available
Savings Goals
Not available
Fixed Returns
Not available
Flexible Withdrawal
Not available
Low Minimum Investment
Not available
Portfolio Management
Not available
Automated Investments
Not available
Real-time Dashboard
Not available
Interest Accrual
Not available
Performance Tracking
Not available
Bank Integration
Not available
Mobile App
Not available
Webhook Support
Not available
Security Features
Not available
Tax Reporting
Not available
Dividend Tracking
Not available
Account Management
Not available
Money Transfers (Bank Account)
Not available
Money Transfers (Paga Account)
Not available
Airtime/Data Purchase
Not available
Utility Bill Payments
Not available
Bulk Transfers (up to 300)
Not available
Direct Debit / Mandate
Not available
Merchant Payments
Not available
Account Balance Check
Not available
Card Payments via Checkout
Not available
International Cross-Border Payouts
Not available
Card Payments
Not available
Mobile Money Payments
Not available
Payouts / Transfers
Not available
BVN Verification
Not available
NIN Verification
Not available
CAC Business Verification
Not available
Exchange Rate API
Not available
Sandbox with Test Cards
Not available
Recurring Billing
Not available
Cash Collections via Agents
Not available
Mobile Money Collections
Not available
Bank Transfer Collections
Not available
Card Collections
Not available
Disbursements to Wallets
Not available
Disbursements to Bank Accounts
Not available
Bill Payments (248 billers)
Not available
Cross-Border (PAPSS/Ghana)
Not available
Online Checkout Widget
Not available
Mobile Money
Not available
Direct Debit
Not available
Cash Collections
Not available
International Cards
Not available
Multi-Country African Acquiring
Not available
Transactional email sending
Not available
Automatic SPF/DKIM/DMARC setup
Not available
Sandbox mode (full API parity)
Not available
Signed HMAC webhooks
Not available
Idempotent send requests
Not available
Open & click tracking (opt-in per project)
Not available
Templates (MJML/Handlebars)
Not available
Scheduled sends
Not available
Suppression lists (automatic hard-bounce handling)
Not available
Team roles & audit logs
Not available
Dedicated IPs (Growth tier+)
Not available
NDPR compliance tooling (DPA, retention, erasure)
Not available
Government Collections (IPPIS/GIFMIS)
Not available
Multi-Bank Collections via RRR
Not available
Agency Banking
Not available
Bulk Disbursements
Not available
Airtime/Data/Electricity Vending
Not available
Direct Debit Mandates
Not available
School Fees Collections
Not available
Tax / Levy Collections
Not available
ATM Transaction Processing
Not available
POS Payment Processing
Not available
Web / In-App Payments
Not available
Funds Transfers (Account-to-Account)
Not available
Cash Withdrawals at Agents
Not available
Cross-Border Remittances
Not available
Blockchain Settlement Layer
Not available
Consumer-Facing App
Not available
Bulk Payments (500+ recipients)
Not available
Local Card Payments
Not available
FX / Multi-Currency Payments
Not available
Expense Management
Not available
Auto Reconciliation
Not available
NRS E-Invoicing
Not available
South Africa (Ozow EFT)
Not available
Card Issuance
Not available
Document Verification
Not available
Biometric Face Match
Not available
Liveness Detection
Not available
AML & Sanctions Screening
Not available
Ongoing AML Monitoring
Not available
KYB (Business Verification)
Not available
Mobile SDK
Not available
CRM Integration
Not available
No-Code Integration
Not available
Nigerian BVN Lookup
Not available
Video KYC
Not available
Document-Free ID Verification
Not available
Node Access
Not available
Payments
Not available
Africa Focus
Not available
Fintech
Not available
Remittances
Not available
Growing Platform
Not available
Easy Integration
Not available
Support
Not available
Emerging
Not available
Future-ready
Not available
Card Payment Acceptance (Debit/Credit)
Not available
Bank Transfer Acceptance
Not available
USSD Payment Processing
Not available
QR Code Payments
Not available
POS Terminal Support
Not available
Payment Link Generation
Not available
Bill Payments (Airtime, Electricity, TV, Internet)
Not available
Bulk Payouts
Not available
Merchant Dashboard & Reporting
Not available
Micro-loan Access via Routelink MFB
Not available
Government / Institutional Payments
Not available
Tiered KYC System
Not available
Fraud Monitoring & 2FA
Not available
International Card / Multi-currency
Not available
Subscription / Recurring Billing API
Not available
Virtual Account Issuance (Fixed)
Not available
Virtual Account Issuance (Collection)
Not available
Bank Transfers (NIP)
Not available
Airtime/Data Bills Payment
Not available
Electricity Bills Payment
Not available
Cable TV Subscription Payment
Not available
Dashboard Management
Not available
International Transfers
Not available
FX Conversion
Not available
Card Payment Acceptance
Not available
Invoicing Tools
Not available
Same-day Settlement
Not available
Web Checkout Integration
Not available
Mobile Payment Support
Not available
In-person / POS Payments
Not available
International Card Acceptance
Not available
Developer API Access
Not available
Webhook Notifications
Not available
Recurring / Subscription Billing
Not available
Bulk Payouts API
Not available
Airtime Vending
Not available
3,000+ Biller Payments
Not available
Instant Bank Transfers (NIP)
Not available
Hosted Fields (PCI-DSS card capture)
Not available
Mobile SDKs
Not available
Card Payments (Local)
Not available
Invoicing
Not available
Multi-Currency (8 currencies)
Not available
View Details

TIZETI API

Pricing
Subscription-based; enterprise pricing available
Not available
Internet service management
Available
Customer account management
Available
Network configuration
Available
On-demand rider dispatch
Not available
Live GPS tracking
Not available
Delivery status webhooks
Not available
Proof of delivery
Not available
Train schedules
Not available
Route information
Not available
Passenger booking
Not available
Station data
Not available
Freight logistics
Not available
API Access
Not available
JSON Responses
Not available
HTTPS Secure
Not available
Documentation
Not available
Sandbox
Not available
Free Tier
Not available
Nigerian stock prices
Not available
Forex rates
Not available
Market indices
Not available
Historical data
Not available
All 36 states + FCT
Not available
State codes & capitals
Not available
Free & open source
Not available
Current weather data
Not available
Weather forecasting
Not available
Rainfall data
Not available
Seasonal forecasts
Not available
Historical climate data
Not available
Airtime Top-up
Not available
Data Bundle Purchase
Not available
Multi-Network Support
Not available
Electricity Bills
Not available
Cable TV Subscription
Not available
Internet Services
Not available
Betting Services
Not available
Education Services
Not available
Insurance Payments
Not available
Instant Settlement
Not available
Webhooks
Not available
Sandbox Environment
Not available
Bulk Processing
Not available
Transaction History
Not available
Real-time Balance
Not available
API Documentation
Not available
Developer Support
Not available
Status Notification
Not available
Multiple Payment Methods
Not available
Fraud Detection
Not available
Bulk SMS
Not available
Campaign management
Not available
Delivery tracking
Not available
Credit scoring
Not available
BNPL financing
Not available
Micro-savings
Not available
Insurance products
Not available
Nationwide Nigeria Coverage (36 states)
Not available
Same-day Delivery Lagos
Not available
Next-day Delivery Nationwide
Not available
Waybill/Tracking Number
Not available
Cash on Delivery
Not available
Package Weight/Size-Based Pricing
Not available
Door-to-Door Delivery
Not available
API Integration
Not available
International Shipping
Not available
Real-time GPS Tracking
Not available
Card Payments (Verve/Visa/Mastercard)
Not available
Bank Transfer Checkout
Not available
USSD Payments
Not available
Mobile Money (M-Pesa, MTN)
Not available
International Card Payments
Not available
Recurring Billing / Subscriptions
Not available
Split Payments
Not available
Virtual Accounts
Not available
Bulk Transfers
Not available
Payment Links
Not available
Multi-Currency Settlement
Not available
Crypto Payments
Not available
BNPL (Buy Now Pay Later)
Not available
States data
Not available
LGA data
Not available
Wards data
Not available
Coordinates
Not available
JSON format
Not available
BNPL checkout
Not available
Installment plan management
Not available
Debt recovery
Not available
Airtime
Not available
Cheap data
Not available
Cable subscriptions
Not available
Bill payments
Not available
Automated savings
Not available
Investment products
Not available
Wealth management tools
Not available
Embedded ticket sales
Not available
Seat selection
Not available
Booking management
Not available
Payment collection
Not available
Payment processing
Not available
Collection management
Not available
Virtual Account Creation
Not available
Deposit Accounts
Not available
Instant NIP Bank Transfers
Not available
Physical Card Issuance
Not available
Virtual Card Issuance
Not available
Individual KYC Verification
Not available
Business KYB Verification
Not available
Savings & Investment Products
Not available
Loan / Credit Management
Not available
Bill Payments (Airtime, Data, Cable, Electricity)
Not available
Webhook Events
Not available
Sub-ledger / Sub-accounts
Not available
International SWIFT Transfers
Not available
Multi-currency Accounts
Not available
Official CBN rates
Not available
NFEM rates
Not available
Tax compliance
Not available
Accounting integration
Not available
Transfers
Not available
Virtual account creation
Not available
Balance inquiries
Not available
Webhook notifications
Not available
Data Bundles
Not available
Bulk Top-up
Not available
Instant Delivery
Not available
Customer Support
Not available
Account linking
Not available
Transaction access
Not available
Open banking functionality
Not available
Insurance plan pricing
Not available
Claims management
Not available
Device repair coordination
Not available
IMEI tracking
Not available
BVN verification
Not available
Collections
Not available
Open banking access
Not available
Custom integrations
Not available
Cheap data packages
Not available
Cable TV
Not available
Utilities
Not available
Investment Plans
Not available
Savings Goals
Not available
Fixed Returns
Not available
Flexible Withdrawal
Not available
Low Minimum Investment
Not available
Portfolio Management
Not available
Automated Investments
Not available
Real-time Dashboard
Not available
Interest Accrual
Not available
Performance Tracking
Not available
Bank Integration
Not available
Mobile App
Not available
Webhook Support
Not available
Security Features
Not available
Tax Reporting
Not available
Dividend Tracking
Not available
Account Management
Not available
Money Transfers (Bank Account)
Not available
Money Transfers (Paga Account)
Not available
Airtime/Data Purchase
Not available
Utility Bill Payments
Not available
Bulk Transfers (up to 300)
Not available
Direct Debit / Mandate
Not available
Merchant Payments
Not available
Account Balance Check
Not available
Card Payments via Checkout
Not available
International Cross-Border Payouts
Not available
Card Payments
Not available
Mobile Money Payments
Not available
Payouts / Transfers
Not available
BVN Verification
Not available
NIN Verification
Not available
CAC Business Verification
Not available
Exchange Rate API
Not available
Sandbox with Test Cards
Not available
Recurring Billing
Not available
Cash Collections via Agents
Not available
Mobile Money Collections
Not available
Bank Transfer Collections
Not available
Card Collections
Not available
Disbursements to Wallets
Not available
Disbursements to Bank Accounts
Not available
Bill Payments (248 billers)
Not available
Cross-Border (PAPSS/Ghana)
Not available
Online Checkout Widget
Not available
Mobile Money
Not available
Direct Debit
Not available
Cash Collections
Not available
International Cards
Not available
Multi-Country African Acquiring
Not available
Transactional email sending
Not available
Automatic SPF/DKIM/DMARC setup
Not available
Sandbox mode (full API parity)
Not available
Signed HMAC webhooks
Not available
Idempotent send requests
Not available
Open & click tracking (opt-in per project)
Not available
Templates (MJML/Handlebars)
Not available
Scheduled sends
Not available
Suppression lists (automatic hard-bounce handling)
Not available
Team roles & audit logs
Not available
Dedicated IPs (Growth tier+)
Not available
NDPR compliance tooling (DPA, retention, erasure)
Not available
Government Collections (IPPIS/GIFMIS)
Not available
Multi-Bank Collections via RRR
Not available
Agency Banking
Not available
Bulk Disbursements
Not available
Airtime/Data/Electricity Vending
Not available
Direct Debit Mandates
Not available
School Fees Collections
Not available
Tax / Levy Collections
Not available
ATM Transaction Processing
Not available
POS Payment Processing
Not available
Web / In-App Payments
Not available
Funds Transfers (Account-to-Account)
Not available
Cash Withdrawals at Agents
Not available
Cross-Border Remittances
Not available
Blockchain Settlement Layer
Not available
Consumer-Facing App
Not available
Bulk Payments (500+ recipients)
Not available
Local Card Payments
Not available
FX / Multi-Currency Payments
Not available
Expense Management
Not available
Auto Reconciliation
Not available
NRS E-Invoicing
Not available
South Africa (Ozow EFT)
Not available
Card Issuance
Not available
Document Verification
Not available
Biometric Face Match
Not available
Liveness Detection
Not available
AML & Sanctions Screening
Not available
Ongoing AML Monitoring
Not available
KYB (Business Verification)
Not available
Mobile SDK
Not available
CRM Integration
Not available
No-Code Integration
Not available
Nigerian BVN Lookup
Not available
Video KYC
Not available
Document-Free ID Verification
Not available
Node Access
Not available
Payments
Not available
Africa Focus
Not available
Fintech
Not available
Remittances
Not available
Growing Platform
Not available
Easy Integration
Not available
Support
Not available
Emerging
Not available
Future-ready
Not available
Card Payment Acceptance (Debit/Credit)
Not available
Bank Transfer Acceptance
Not available
USSD Payment Processing
Not available
QR Code Payments
Not available
POS Terminal Support
Not available
Payment Link Generation
Not available
Bill Payments (Airtime, Electricity, TV, Internet)
Not available
Bulk Payouts
Not available
Merchant Dashboard & Reporting
Not available
Micro-loan Access via Routelink MFB
Not available
Government / Institutional Payments
Not available
Tiered KYC System
Not available
Fraud Monitoring & 2FA
Not available
International Card / Multi-currency
Not available
Subscription / Recurring Billing API
Not available
Virtual Account Issuance (Fixed)
Not available
Virtual Account Issuance (Collection)
Not available
Bank Transfers (NIP)
Not available
Airtime/Data Bills Payment
Not available
Electricity Bills Payment
Not available
Cable TV Subscription Payment
Not available
Dashboard Management
Not available
International Transfers
Not available
FX Conversion
Not available
Card Payment Acceptance
Not available
Invoicing Tools
Not available
Same-day Settlement
Not available
Web Checkout Integration
Not available
Mobile Payment Support
Not available
In-person / POS Payments
Not available
International Card Acceptance
Not available
Developer API Access
Not available
Webhook Notifications
Not available
Recurring / Subscription Billing
Not available
Bulk Payouts API
Not available
Airtime Vending
Not available
3,000+ Biller Payments
Not available
Instant Bank Transfers (NIP)
Not available
Hosted Fields (PCI-DSS card capture)
Not available
Mobile SDKs
Not available
Card Payments (Local)
Not available
Invoicing
Not available
Multi-Currency (8 currencies)
Not available
View Details

Fele Express

Pricing
Per-delivery pricing based on distance and package size; contact for rates.
Not available
Internet service management
Not available
Customer account management
Not available
Network configuration
Not available
On-demand rider dispatch
Available
Live GPS tracking
Available
Delivery status webhooks
Available
Proof of delivery
Available
Train schedules
Not available
Route information
Not available
Passenger booking
Not available
Station data
Not available
Freight logistics
Not available
API Access
Not available
JSON Responses
Not available
HTTPS Secure
Not available
Documentation
Not available
Sandbox
Not available
Free Tier
Not available
Nigerian stock prices
Not available
Forex rates
Not available
Market indices
Not available
Historical data
Not available
All 36 states + FCT
Not available
State codes & capitals
Not available
Free & open source
Not available
Current weather data
Not available
Weather forecasting
Not available
Rainfall data
Not available
Seasonal forecasts
Not available
Historical climate data
Not available
Airtime Top-up
Not available
Data Bundle Purchase
Not available
Multi-Network Support
Not available
Electricity Bills
Not available
Cable TV Subscription
Not available
Internet Services
Not available
Betting Services
Not available
Education Services
Not available
Insurance Payments
Not available
Instant Settlement
Not available
Webhooks
Not available
Sandbox Environment
Not available
Bulk Processing
Not available
Transaction History
Not available
Real-time Balance
Not available
API Documentation
Not available
Developer Support
Not available
Status Notification
Not available
Multiple Payment Methods
Not available
Fraud Detection
Not available
Bulk SMS
Not available
Campaign management
Not available
Delivery tracking
Not available
Credit scoring
Not available
BNPL financing
Not available
Micro-savings
Not available
Insurance products
Not available
Nationwide Nigeria Coverage (36 states)
Not available
Same-day Delivery Lagos
Not available
Next-day Delivery Nationwide
Not available
Waybill/Tracking Number
Not available
Cash on Delivery
Not available
Package Weight/Size-Based Pricing
Not available
Door-to-Door Delivery
Not available
API Integration
Not available
International Shipping
Not available
Real-time GPS Tracking
Not available
Card Payments (Verve/Visa/Mastercard)
Not available
Bank Transfer Checkout
Not available
USSD Payments
Not available
Mobile Money (M-Pesa, MTN)
Not available
International Card Payments
Not available
Recurring Billing / Subscriptions
Not available
Split Payments
Not available
Virtual Accounts
Not available
Bulk Transfers
Not available
Payment Links
Not available
Multi-Currency Settlement
Not available
Crypto Payments
Not available
BNPL (Buy Now Pay Later)
Not available
States data
Not available
LGA data
Not available
Wards data
Not available
Coordinates
Not available
JSON format
Not available
BNPL checkout
Not available
Installment plan management
Not available
Debt recovery
Not available
Airtime
Not available
Cheap data
Not available
Cable subscriptions
Not available
Bill payments
Not available
Automated savings
Not available
Investment products
Not available
Wealth management tools
Not available
Embedded ticket sales
Not available
Seat selection
Not available
Booking management
Not available
Payment collection
Not available
Payment processing
Not available
Collection management
Not available
Virtual Account Creation
Not available
Deposit Accounts
Not available
Instant NIP Bank Transfers
Not available
Physical Card Issuance
Not available
Virtual Card Issuance
Not available
Individual KYC Verification
Not available
Business KYB Verification
Not available
Savings & Investment Products
Not available
Loan / Credit Management
Not available
Bill Payments (Airtime, Data, Cable, Electricity)
Not available
Webhook Events
Not available
Sub-ledger / Sub-accounts
Not available
International SWIFT Transfers
Not available
Multi-currency Accounts
Not available
Official CBN rates
Not available
NFEM rates
Not available
Tax compliance
Not available
Accounting integration
Not available
Transfers
Not available
Virtual account creation
Not available
Balance inquiries
Not available
Webhook notifications
Not available
Data Bundles
Not available
Bulk Top-up
Not available
Instant Delivery
Not available
Customer Support
Not available
Account linking
Not available
Transaction access
Not available
Open banking functionality
Not available
Insurance plan pricing
Not available
Claims management
Not available
Device repair coordination
Not available
IMEI tracking
Not available
BVN verification
Not available
Collections
Not available
Open banking access
Not available
Custom integrations
Not available
Cheap data packages
Not available
Cable TV
Not available
Utilities
Not available
Investment Plans
Not available
Savings Goals
Not available
Fixed Returns
Not available
Flexible Withdrawal
Not available
Low Minimum Investment
Not available
Portfolio Management
Not available
Automated Investments
Not available
Real-time Dashboard
Not available
Interest Accrual
Not available
Performance Tracking
Not available
Bank Integration
Not available
Mobile App
Not available
Webhook Support
Not available
Security Features
Not available
Tax Reporting
Not available
Dividend Tracking
Not available
Account Management
Not available
Money Transfers (Bank Account)
Not available
Money Transfers (Paga Account)
Not available
Airtime/Data Purchase
Not available
Utility Bill Payments
Not available
Bulk Transfers (up to 300)
Not available
Direct Debit / Mandate
Not available
Merchant Payments
Not available
Account Balance Check
Not available
Card Payments via Checkout
Not available
International Cross-Border Payouts
Not available
Card Payments
Not available
Mobile Money Payments
Not available
Payouts / Transfers
Not available
BVN Verification
Not available
NIN Verification
Not available
CAC Business Verification
Not available
Exchange Rate API
Not available
Sandbox with Test Cards
Not available
Recurring Billing
Not available
Cash Collections via Agents
Not available
Mobile Money Collections
Not available
Bank Transfer Collections
Not available
Card Collections
Not available
Disbursements to Wallets
Not available
Disbursements to Bank Accounts
Not available
Bill Payments (248 billers)
Not available
Cross-Border (PAPSS/Ghana)
Not available
Online Checkout Widget
Not available
Mobile Money
Not available
Direct Debit
Not available
Cash Collections
Not available
International Cards
Not available
Multi-Country African Acquiring
Not available
Transactional email sending
Not available
Automatic SPF/DKIM/DMARC setup
Not available
Sandbox mode (full API parity)
Not available
Signed HMAC webhooks
Not available
Idempotent send requests
Not available
Open & click tracking (opt-in per project)
Not available
Templates (MJML/Handlebars)
Not available
Scheduled sends
Not available
Suppression lists (automatic hard-bounce handling)
Not available
Team roles & audit logs
Not available
Dedicated IPs (Growth tier+)
Not available
NDPR compliance tooling (DPA, retention, erasure)
Not available
Government Collections (IPPIS/GIFMIS)
Not available
Multi-Bank Collections via RRR
Not available
Agency Banking
Not available
Bulk Disbursements
Not available
Airtime/Data/Electricity Vending
Not available
Direct Debit Mandates
Not available
School Fees Collections
Not available
Tax / Levy Collections
Not available
ATM Transaction Processing
Not available
POS Payment Processing
Not available
Web / In-App Payments
Not available
Funds Transfers (Account-to-Account)
Not available
Cash Withdrawals at Agents
Not available
Cross-Border Remittances
Not available
Blockchain Settlement Layer
Not available
Consumer-Facing App
Not available
Bulk Payments (500+ recipients)
Not available
Local Card Payments
Not available
FX / Multi-Currency Payments
Not available
Expense Management
Not available
Auto Reconciliation
Not available
NRS E-Invoicing
Not available
South Africa (Ozow EFT)
Not available
Card Issuance
Not available
Document Verification
Not available
Biometric Face Match
Not available
Liveness Detection
Not available
AML & Sanctions Screening
Not available
Ongoing AML Monitoring
Not available
KYB (Business Verification)
Not available
Mobile SDK
Not available
CRM Integration
Not available
No-Code Integration
Not available
Nigerian BVN Lookup
Not available
Video KYC
Not available
Document-Free ID Verification
Not available
Node Access
Not available
Payments
Not available
Africa Focus
Not available
Fintech
Not available
Remittances
Not available
Growing Platform
Not available
Easy Integration
Not available
Support
Not available
Emerging
Not available
Future-ready
Not available
Card Payment Acceptance (Debit/Credit)
Not available
Bank Transfer Acceptance
Not available
USSD Payment Processing
Not available
QR Code Payments
Not available
POS Terminal Support
Not available
Payment Link Generation
Not available
Bill Payments (Airtime, Electricity, TV, Internet)
Not available
Bulk Payouts
Not available
Merchant Dashboard & Reporting
Not available
Micro-loan Access via Routelink MFB
Not available
Government / Institutional Payments
Not available
Tiered KYC System
Not available
Fraud Monitoring & 2FA
Not available
International Card / Multi-currency
Not available
Subscription / Recurring Billing API
Not available
Virtual Account Issuance (Fixed)
Not available
Virtual Account Issuance (Collection)
Not available
Bank Transfers (NIP)
Not available
Airtime/Data Bills Payment
Not available
Electricity Bills Payment
Not available
Cable TV Subscription Payment
Not available
Dashboard Management
Not available
International Transfers
Not available
FX Conversion
Not available
Card Payment Acceptance
Not available
Invoicing Tools
Not available
Same-day Settlement
Not available
Web Checkout Integration
Not available
Mobile Payment Support
Not available
In-person / POS Payments
Not available
International Card Acceptance
Not available
Developer API Access
Not available
Webhook Notifications
Not available
Recurring / Subscription Billing
Not available
Bulk Payouts API
Not available
Airtime Vending
Not available
3,000+ Biller Payments
Not available
Instant Bank Transfers (NIP)
Not available
Hosted Fields (PCI-DSS card capture)
Not available
Mobile SDKs
Not available
Card Payments (Local)
Not available
Invoicing
Not available
Multi-Currency (8 currencies)
Not available
View Details

Nigerian Railway Corporation (NRC) Data API

Pricing
Free access for government data; partner access for booking integration
Not available
Internet service management
Not available
Customer account management
Not available
Network configuration
Not available
On-demand rider dispatch
Not available
Live GPS tracking
Not available
Delivery status webhooks
Not available
Proof of delivery
Not available
Train schedules
Available
Route information
Available
Passenger booking
Available
Station data
Available
Freight logistics
Available
API Access
Not available
JSON Responses
Not available
HTTPS Secure
Not available
Documentation
Not available
Sandbox
Not available
Free Tier
Not available
Nigerian stock prices
Not available
Forex rates
Not available
Market indices
Not available
Historical data
Not available
All 36 states + FCT
Not available
State codes & capitals
Not available
Free & open source
Not available
Current weather data
Not available
Weather forecasting
Not available
Rainfall data
Not available
Seasonal forecasts
Not available
Historical climate data
Not available
Airtime Top-up
Not available
Data Bundle Purchase
Not available
Multi-Network Support
Not available
Electricity Bills
Not available
Cable TV Subscription
Not available
Internet Services
Not available
Betting Services
Not available
Education Services
Not available
Insurance Payments
Not available
Instant Settlement
Not available
Webhooks
Not available
Sandbox Environment
Not available
Bulk Processing
Not available
Transaction History
Not available
Real-time Balance
Not available
API Documentation
Not available
Developer Support
Not available
Status Notification
Not available
Multiple Payment Methods
Not available
Fraud Detection
Not available
Bulk SMS
Not available
Campaign management
Not available
Delivery tracking
Not available
Credit scoring
Not available
BNPL financing
Not available
Micro-savings
Not available
Insurance products
Not available
Nationwide Nigeria Coverage (36 states)
Not available
Same-day Delivery Lagos
Not available
Next-day Delivery Nationwide
Not available
Waybill/Tracking Number
Not available
Cash on Delivery
Not available
Package Weight/Size-Based Pricing
Not available
Door-to-Door Delivery
Not available
API Integration
Not available
International Shipping
Not available
Real-time GPS Tracking
Not available
Card Payments (Verve/Visa/Mastercard)
Not available
Bank Transfer Checkout
Not available
USSD Payments
Not available
Mobile Money (M-Pesa, MTN)
Not available
International Card Payments
Not available
Recurring Billing / Subscriptions
Not available
Split Payments
Not available
Virtual Accounts
Not available
Bulk Transfers
Not available
Payment Links
Not available
Multi-Currency Settlement
Not available
Crypto Payments
Not available
BNPL (Buy Now Pay Later)
Not available
States data
Not available
LGA data
Not available
Wards data
Not available
Coordinates
Not available
JSON format
Not available
BNPL checkout
Not available
Installment plan management
Not available
Debt recovery
Not available
Airtime
Not available
Cheap data
Not available
Cable subscriptions
Not available
Bill payments
Not available
Automated savings
Not available
Investment products
Not available
Wealth management tools
Not available
Embedded ticket sales
Not available
Seat selection
Not available
Booking management
Not available
Payment collection
Not available
Payment processing
Not available
Collection management
Not available
Virtual Account Creation
Not available
Deposit Accounts
Not available
Instant NIP Bank Transfers
Not available
Physical Card Issuance
Not available
Virtual Card Issuance
Not available
Individual KYC Verification
Not available
Business KYB Verification
Not available
Savings & Investment Products
Not available
Loan / Credit Management
Not available
Bill Payments (Airtime, Data, Cable, Electricity)
Not available
Webhook Events
Not available
Sub-ledger / Sub-accounts
Not available
International SWIFT Transfers
Not available
Multi-currency Accounts
Not available
Official CBN rates
Not available
NFEM rates
Not available
Tax compliance
Not available
Accounting integration
Not available
Transfers
Not available
Virtual account creation
Not available
Balance inquiries
Not available
Webhook notifications
Not available
Data Bundles
Not available
Bulk Top-up
Not available
Instant Delivery
Not available
Customer Support
Not available
Account linking
Not available
Transaction access
Not available
Open banking functionality
Not available
Insurance plan pricing
Not available
Claims management
Not available
Device repair coordination
Not available
IMEI tracking
Not available
BVN verification
Not available
Collections
Not available
Open banking access
Not available
Custom integrations
Not available
Cheap data packages
Not available
Cable TV
Not available
Utilities
Not available
Investment Plans
Not available
Savings Goals
Not available
Fixed Returns
Not available
Flexible Withdrawal
Not available
Low Minimum Investment
Not available
Portfolio Management
Not available
Automated Investments
Not available
Real-time Dashboard
Not available
Interest Accrual
Not available
Performance Tracking
Not available
Bank Integration
Not available
Mobile App
Not available
Webhook Support
Not available
Security Features
Not available
Tax Reporting
Not available
Dividend Tracking
Not available
Account Management
Not available
Money Transfers (Bank Account)
Not available
Money Transfers (Paga Account)
Not available
Airtime/Data Purchase
Not available
Utility Bill Payments
Not available
Bulk Transfers (up to 300)
Not available
Direct Debit / Mandate
Not available
Merchant Payments
Not available
Account Balance Check
Not available
Card Payments via Checkout
Not available
International Cross-Border Payouts
Not available
Card Payments
Not available
Mobile Money Payments
Not available
Payouts / Transfers
Not available
BVN Verification
Not available
NIN Verification
Not available
CAC Business Verification
Not available
Exchange Rate API
Not available
Sandbox with Test Cards
Not available
Recurring Billing
Not available
Cash Collections via Agents
Not available
Mobile Money Collections
Not available
Bank Transfer Collections
Not available
Card Collections
Not available
Disbursements to Wallets
Not available
Disbursements to Bank Accounts
Not available
Bill Payments (248 billers)
Not available
Cross-Border (PAPSS/Ghana)
Not available
Online Checkout Widget
Not available
Mobile Money
Not available
Direct Debit
Not available
Cash Collections
Not available
International Cards
Not available
Multi-Country African Acquiring
Not available
Transactional email sending
Not available
Automatic SPF/DKIM/DMARC setup
Not available
Sandbox mode (full API parity)
Not available
Signed HMAC webhooks
Not available
Idempotent send requests
Not available
Open & click tracking (opt-in per project)
Not available
Templates (MJML/Handlebars)
Not available
Scheduled sends
Not available
Suppression lists (automatic hard-bounce handling)
Not available
Team roles & audit logs
Not available
Dedicated IPs (Growth tier+)
Not available
NDPR compliance tooling (DPA, retention, erasure)
Not available
Government Collections (IPPIS/GIFMIS)
Not available
Multi-Bank Collections via RRR
Not available
Agency Banking
Not available
Bulk Disbursements
Not available
Airtime/Data/Electricity Vending
Not available
Direct Debit Mandates
Not available
School Fees Collections
Not available
Tax / Levy Collections
Not available
ATM Transaction Processing
Not available
POS Payment Processing
Not available
Web / In-App Payments
Not available
Funds Transfers (Account-to-Account)
Not available
Cash Withdrawals at Agents
Not available
Cross-Border Remittances
Not available
Blockchain Settlement Layer
Not available
Consumer-Facing App
Not available
Bulk Payments (500+ recipients)
Not available
Local Card Payments
Not available
FX / Multi-Currency Payments
Not available
Expense Management
Not available
Auto Reconciliation
Not available
NRS E-Invoicing
Not available
South Africa (Ozow EFT)
Not available
Card Issuance
Not available
Document Verification
Not available
Biometric Face Match
Not available
Liveness Detection
Not available
AML & Sanctions Screening
Not available
Ongoing AML Monitoring
Not available
KYB (Business Verification)
Not available
Mobile SDK
Not available
CRM Integration
Not available
No-Code Integration
Not available
Nigerian BVN Lookup
Not available
Video KYC
Not available
Document-Free ID Verification
Not available
Node Access
Not available
Payments
Not available
Africa Focus
Not available
Fintech
Not available
Remittances
Not available
Growing Platform
Not available
Easy Integration
Not available
Support
Not available
Emerging
Not available
Future-ready
Not available
Card Payment Acceptance (Debit/Credit)
Not available
Bank Transfer Acceptance
Not available
USSD Payment Processing
Not available
QR Code Payments
Not available
POS Terminal Support
Not available
Payment Link Generation
Not available
Bill Payments (Airtime, Electricity, TV, Internet)
Not available
Bulk Payouts
Not available
Merchant Dashboard & Reporting
Not available
Micro-loan Access via Routelink MFB
Not available
Government / Institutional Payments
Not available
Tiered KYC System
Not available
Fraud Monitoring & 2FA
Not available
International Card / Multi-currency
Not available
Subscription / Recurring Billing API
Not available
Virtual Account Issuance (Fixed)
Not available
Virtual Account Issuance (Collection)
Not available
Bank Transfers (NIP)
Not available
Airtime/Data Bills Payment
Not available
Electricity Bills Payment
Not available
Cable TV Subscription Payment
Not available
Dashboard Management
Not available
International Transfers
Not available
FX Conversion
Not available
Card Payment Acceptance
Not available
Invoicing Tools
Not available
Same-day Settlement
Not available
Web Checkout Integration
Not available
Mobile Payment Support
Not available
In-person / POS Payments
Not available
International Card Acceptance
Not available
Developer API Access
Not available
Webhook Notifications
Not available
Recurring / Subscription Billing
Not available
Bulk Payouts API
Not available
Airtime Vending
Not available
3,000+ Biller Payments
Not available
Instant Bank Transfers (NIP)
Not available
Hosted Fields (PCI-DSS card capture)
Not available
Mobile SDKs
Not available
Card Payments (Local)
Not available
Invoicing
Not available
Multi-Currency (8 currencies)
Not available
View Details

NIMC Verification Service API

Pricing
Free access for approved partners. Partnership agreement with NIMC required.
Not available
Internet service management
Not available
Customer account management
Not available
Network configuration
Not available
On-demand rider dispatch
Not available
Live GPS tracking
Not available
Delivery status webhooks
Not available
Proof of delivery
Not available
Train schedules
Not available
Route information
Not available
Passenger booking
Not available
Station data
Not available
Freight logistics
Not available
API Access
Not available
JSON Responses
Not available
HTTPS Secure
Not available
Documentation
Not available
Sandbox
Not available
Free Tier
Not available
Nigerian stock prices
Not available
Forex rates
Not available
Market indices
Not available
Historical data
Not available
All 36 states + FCT
Not available
State codes & capitals
Not available
Free & open source
Not available
Current weather data
Not available
Weather forecasting
Not available
Rainfall data
Not available
Seasonal forecasts
Not available
Historical climate data
Not available
Airtime Top-up
Not available
Data Bundle Purchase
Not available
Multi-Network Support
Not available
Electricity Bills
Not available
Cable TV Subscription
Not available
Internet Services
Not available
Betting Services
Not available
Education Services
Not available
Insurance Payments
Not available
Instant Settlement
Not available
Webhooks
Not available
Sandbox Environment
Not available
Bulk Processing
Not available
Transaction History
Not available
Real-time Balance
Not available
API Documentation
Not available
Developer Support
Not available
Status Notification
Not available
Multiple Payment Methods
Not available
Fraud Detection
Not available
Bulk SMS
Not available
Campaign management
Not available
Delivery tracking
Not available
Credit scoring
Not available
BNPL financing
Not available
Micro-savings
Not available
Insurance products
Not available
Nationwide Nigeria Coverage (36 states)
Not available
Same-day Delivery Lagos
Not available
Next-day Delivery Nationwide
Not available
Waybill/Tracking Number
Not available
Cash on Delivery
Not available
Package Weight/Size-Based Pricing
Not available
Door-to-Door Delivery
Not available
API Integration
Not available
International Shipping
Not available
Real-time GPS Tracking
Not available
Card Payments (Verve/Visa/Mastercard)
Not available
Bank Transfer Checkout
Not available
USSD Payments
Not available
Mobile Money (M-Pesa, MTN)
Not available
International Card Payments
Not available
Recurring Billing / Subscriptions
Not available
Split Payments
Not available
Virtual Accounts
Not available
Bulk Transfers
Not available
Payment Links
Not available
Multi-Currency Settlement
Not available
Crypto Payments
Not available
BNPL (Buy Now Pay Later)
Not available
States data
Not available
LGA data
Not available
Wards data
Not available
Coordinates
Not available
JSON format
Not available
BNPL checkout
Not available
Installment plan management
Not available
Debt recovery
Not available
Airtime
Not available
Cheap data
Not available
Cable subscriptions
Not available
Bill payments
Not available
Automated savings
Not available
Investment products
Not available
Wealth management tools
Not available
Embedded ticket sales
Not available
Seat selection
Not available
Booking management
Not available
Payment collection
Not available
Payment processing
Not available
Collection management
Not available
Virtual Account Creation
Not available
Deposit Accounts
Not available
Instant NIP Bank Transfers
Not available
Physical Card Issuance
Not available
Virtual Card Issuance
Not available
Individual KYC Verification
Not available
Business KYB Verification
Not available
Savings & Investment Products
Not available
Loan / Credit Management
Not available
Bill Payments (Airtime, Data, Cable, Electricity)
Not available
Webhook Events
Not available
Sub-ledger / Sub-accounts
Not available
International SWIFT Transfers
Not available
Multi-currency Accounts
Not available
Official CBN rates
Not available
NFEM rates
Not available
Tax compliance
Not available
Accounting integration
Not available
Transfers
Not available
Virtual account creation
Not available
Balance inquiries
Not available
Webhook notifications
Not available
Data Bundles
Not available
Bulk Top-up
Not available
Instant Delivery
Not available
Customer Support
Not available
Account linking
Not available
Transaction access
Not available
Open banking functionality
Not available
Insurance plan pricing
Not available
Claims management
Not available
Device repair coordination
Not available
IMEI tracking
Not available
BVN verification
Not available
Collections
Not available
Open banking access
Not available
Custom integrations
Not available
Cheap data packages
Not available
Cable TV
Not available
Utilities
Not available
Investment Plans
Not available
Savings Goals
Not available
Fixed Returns
Not available
Flexible Withdrawal
Not available
Low Minimum Investment
Not available
Portfolio Management
Not available
Automated Investments
Not available
Real-time Dashboard
Not available
Interest Accrual
Not available
Performance Tracking
Not available
Bank Integration
Not available
Mobile App
Not available
Webhook Support
Not available
Security Features
Not available
Tax Reporting
Not available
Dividend Tracking
Not available
Account Management
Not available
Money Transfers (Bank Account)
Not available
Money Transfers (Paga Account)
Not available
Airtime/Data Purchase
Not available
Utility Bill Payments
Not available
Bulk Transfers (up to 300)
Not available
Direct Debit / Mandate
Not available
Merchant Payments
Not available
Account Balance Check
Not available
Card Payments via Checkout
Not available
International Cross-Border Payouts
Not available
Card Payments
Not available
Mobile Money Payments
Not available
Payouts / Transfers
Not available
BVN Verification
Not available
NIN Verification
Not available
CAC Business Verification
Not available
Exchange Rate API
Not available
Sandbox with Test Cards
Not available
Recurring Billing
Not available
Cash Collections via Agents
Not available
Mobile Money Collections
Not available
Bank Transfer Collections
Not available
Card Collections
Not available
Disbursements to Wallets
Not available
Disbursements to Bank Accounts
Not available
Bill Payments (248 billers)
Not available
Cross-Border (PAPSS/Ghana)
Not available
Online Checkout Widget
Not available
Mobile Money
Not available
Direct Debit
Not available
Cash Collections
Not available
International Cards
Not available
Multi-Country African Acquiring
Not available
Transactional email sending
Not available
Automatic SPF/DKIM/DMARC setup
Not available
Sandbox mode (full API parity)
Not available
Signed HMAC webhooks
Not available
Idempotent send requests
Not available
Open & click tracking (opt-in per project)
Not available
Templates (MJML/Handlebars)
Not available
Scheduled sends
Not available
Suppression lists (automatic hard-bounce handling)
Not available
Team roles & audit logs
Not available
Dedicated IPs (Growth tier+)
Not available
NDPR compliance tooling (DPA, retention, erasure)
Not available
Government Collections (IPPIS/GIFMIS)
Not available
Multi-Bank Collections via RRR
Not available
Agency Banking
Not available
Bulk Disbursements
Not available
Airtime/Data/Electricity Vending
Not available
Direct Debit Mandates
Not available
School Fees Collections
Not available
Tax / Levy Collections
Not available
ATM Transaction Processing
Not available
POS Payment Processing
Not available
Web / In-App Payments
Not available
Funds Transfers (Account-to-Account)
Not available
Cash Withdrawals at Agents
Not available
Cross-Border Remittances
Not available
Blockchain Settlement Layer
Not available
Consumer-Facing App
Not available
Bulk Payments (500+ recipients)
Not available
Local Card Payments
Not available
FX / Multi-Currency Payments
Not available
Expense Management
Not available
Auto Reconciliation
Not available
NRS E-Invoicing
Not available
South Africa (Ozow EFT)
Not available
Card Issuance
Not available
Document Verification
Not available
Biometric Face Match
Not available
Liveness Detection
Not available
AML & Sanctions Screening
Not available
Ongoing AML Monitoring
Not available
KYB (Business Verification)
Not available
Mobile SDK
Not available
CRM Integration
Not available
No-Code Integration
Not available
Nigerian BVN Lookup
Not available
Video KYC
Not available
Document-Free ID Verification
Not available
Node Access
Not available
Payments
Not available
Africa Focus
Not available
Fintech
Not available
Remittances
Not available
Growing Platform
Not available
Easy Integration
Not available
Support
Not available
Emerging
Not available
Future-ready
Not available
Card Payment Acceptance (Debit/Credit)
Not available
Bank Transfer Acceptance
Not available
USSD Payment Processing
Not available
QR Code Payments
Not available
POS Terminal Support
Not available
Payment Link Generation
Not available
Bill Payments (Airtime, Electricity, TV, Internet)
Not available
Bulk Payouts
Not available
Merchant Dashboard & Reporting
Not available
Micro-loan Access via Routelink MFB
Not available
Government / Institutional Payments
Not available
Tiered KYC System
Not available
Fraud Monitoring & 2FA
Not available
International Card / Multi-currency
Not available
Subscription / Recurring Billing API
Not available
Virtual Account Issuance (Fixed)
Not available
Virtual Account Issuance (Collection)
Not available
Bank Transfers (NIP)
Not available
Airtime/Data Bills Payment
Not available
Electricity Bills Payment
Not available
Cable TV Subscription Payment
Not available
Dashboard Management
Not available
International Transfers
Not available
FX Conversion
Not available
Card Payment Acceptance
Not available
Invoicing Tools
Not available
Same-day Settlement
Not available
Web Checkout Integration
Not available
Mobile Payment Support
Not available
In-person / POS Payments
Not available
International Card Acceptance
Not available
Developer API Access
Not available
Webhook Notifications
Not available
Recurring / Subscription Billing
Not available
Bulk Payouts API
Not available
Airtime Vending
Not available
3,000+ Biller Payments
Not available
Instant Bank Transfers (NIP)
Not available
Hosted Fields (PCI-DSS card capture)
Not available
Mobile SDKs
Not available
Card Payments (Local)
Not available
Invoicing
Not available
Multi-Currency (8 currencies)
Not available
View Details

← Swipe to compare all 5 APIs →

++++
NINAuth API

NINAuth API

Real-time NIN authentication service for secure digital identity verification. NINAuth allows services to verify citizens' identities without exposing actual NIN data. Supports web, API, and mobile verification with enhanced security and privacy protection.

++++
TIZETI API

TIZETI API

Internet service provider API with connectivity and network management. TIZETI provides APIs for managing internet services, customer accounts, and network configurations. Enables businesses to integrate broadband and connectivity services.

++++
Fele Express

Fele Express

Fele Express is a Nigerian on-demand delivery API focused on same-day and instant local delivery — dispatch-rider-based fulfillment for e-commerce orders, food delivery, and errand-style deliveries within a city, rather than long-haul or international shipping. Orders are matched to available riders automatically, with live GPS tracking exposed to both the merchant and the end customer for the duration of the delivery. The API covers order creation (pickup and drop-off addresses, package details), real-time rider location tracking, delivery status webhooks (assigned, picked up, in transit, delivered), and proof-of-delivery capture (photo or signature) on completion. Integration is aimed at being fast for e-commerce platforms to bolt on: a checkout flow can request a delivery quote and book a rider in the same request cycle a customer completes an order. For Nigerian e-commerce merchants, food delivery platforms, and quick-commerce apps operating within a single city (particularly Lagos, where same-day delivery expectations are highest), Fele Express's focus on instant/same-day local dispatch — rather than trying to also cover interstate or international shipping — makes it a fit specifically for last-mile delivery rather than a full logistics stack; merchants needing interstate shipping typically pair it with a separate carrier for that leg.

++++
Nigerian Railway Corporation (NRC) Data API

Nigerian Railway Corporation (NRC) Data API

The Nigerian Railway Corporation (NRC) Data API provides programmatic access to information about Nigeria's rail transport network, including train schedules, route data, station information, and passenger booking capabilities for the routes operated by the NRC. As Nigeria invests in expanding and modernizing its railway infrastructure — including the operationally successful Lagos-Ibadan Standard Gauge Railway, the Abuja-Kaduna Railway, and the developing coastal rail corridor — rail transport is becoming an increasingly important component of Nigeria's multimodal transport ecosystem. The Lagos-Ibadan Express Railway has become one of Nigeria's most popular transport options since its launch, offering a comfortable and predictable alternative to road travel on one of Nigeria's most congested and accident-prone corridors. The line connects Lagos to Ibadan in approximately 2 hours, serving the massive commuter and intercity travel demand between Nigeria's commercial capital and the third-largest city. Real-time train scheduling and passenger booking for this route through digital platforms represents a significant quality-of-life improvement for the millions of Nigerians who use this corridor. The Abuja-Kaduna Standard Gauge Railway serves the northern corridor, providing efficient passenger and cargo transport between the federal capital and Kaduna, historically a major industrial city and northern commercial hub. This rail connection reduces road transport pressure on the Abuja-Kaduna highway and provides a safer travel alternative for passengers. API access to scheduling and booking data for this route enables Nigerian transport platforms to integrate rail options into multimodal journey planning tools. Passenger booking functionality allows travel applications and train ticket platforms to offer seat reservations for NRC services, handling the selection of travel date, train service, seat class, and passenger information before processing the booking. For Nigerian transport aggregators building platforms that present passengers with all transport options between major city pairs — including road, rail, and air — NRC booking API integration completes the multimodal picture for rail-served routes. Station data from the NRC covers the network of stations across active rail lines, including station location coordinates, facilities available at each station, and access information. This data is useful for mapping applications that want to display rail infrastructure on Nigerian transport maps and for navigation tools that help passengers find their way to and from station locations. Freight and cargo transport is an important economic function of the NRC, with goods movements on the rail network serving Nigeria's manufacturing, agricultural, and distribution sectors. Access to freight capacity data, rate information, and booking capabilities for cargo transport enables logistics technology platforms to include rail as an option in freight planning and procurement tools. For Nigerian goods movers on congested road corridors, rail freight where available offers cost and reliability advantages. As the NRC continues modernizing its operations and the federal government expands the national rail network through new standard gauge projects, the volume of passenger and freight traffic on Nigerian railways will grow substantially. Digital booking platforms built on NRC API integration position early-moving Nigerian transport technology companies to capture the growing market of rail travelers as awareness and adoption of Nigerian rail services increases.

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NIMC Verification Service API

NIMC Verification Service API

SOAP-based API for NIN verification at multiple levels (1-5) with biometric support including fingerprint and facial recognition. Enables identity verification for KYC, onboarding, and identity services.

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NBS Open Data Portal (ODP)

NBS Open Data Portal (ODP)

Public access to Nigeria's economic indicators including CPI, GDP, population statistics, trade data, and agricultural information. Provides data visualization and download tools for research, dashboards, and analytics purposes.

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FIRS ATRS / e-Invoicing API

FIRS ATRS / e-Invoicing API

Automated Tax Remittance System providing REST API for tax invoice validation and compliance checks. E-invoicing solution enabling businesses to generate, validate, and submit invoices electronically through the FIRSMBS platform with real-time compliance verification.

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mCarePoint Health API

mCarePoint Health API

mCarePoint is a Nigerian telehealth platform providing remote medical consultation and healthcare services. The API enables integration with consultation services, doctor networks, and health information. Features include doctor matching, appointment booking, and health record management. Ideal for Nigerian health applications requiring telehealth integration.

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CBN Statistics Database

CBN Statistics Database

Official central bank statistics database providing exchange rates, banking statistics, monetary aggregates, balance of payments, and financial data. Access to Nigeria's macro-economic indicators for research, analysis, and applications.

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NGN Market API

NGN Market API

NGN Market API provides access to Nigerian financial market data including stock prices, foreign exchange rates, and market indices. The API enables developers to build financial applications with real-time and historical Nigerian market data. Nigerian fintech platforms, traders, and investment applications use NGN Market API to integrate naira-denominated market data and forex rates into their systems.

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Nigeria Open Contracting Portal (NOCOPO)

Nigeria Open Contracting Portal (NOCOPO)

Public procurement transparency portal providing access to procurement data from 700+ government MDAs. Discloses contractor names, contract amounts, scope of work, duration, and project locations across all procurement process stages.

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NG-States-API

NG-States-API

NG-States-API is a free, open-source REST API providing a comprehensive list of all 36 Nigerian states plus the Federal Capital Territory (FCT). The API returns Nigerian state data including state names, state codes, capitals, and geographic information. Nigerian developers building location-based services, form builders, e-commerce platforms, and administrative applications use NG-States-API to populate state dropdown lists and location selectors without paying for geolocation APIs.

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NiMet Weather API

NiMet Weather API

NiMet Weather API is the official weather data API provided by the Nigerian Meteorological Agency (NiMet), the government body mandated under Nigerian law to provide authoritative meteorological observations, forecasts, and climate data for Nigeria. As the national meteorological authority, NiMet operates Nigeria's network of synoptic weather stations, agrometeorological stations, and upper-air sounding stations spread across the country's 36 states and FCT, making NiMet the most authoritative source of weather data specifically calibrated to Nigerian conditions, terrain, and climate patterns. NiMet's weather station network covers Nigeria's diverse climate zones — from the humid tropical rainforest of the Niger Delta and Cross River basin in the south, through the savanna belt of the Middle Belt, to the semi-arid Sahel zone in the far north near Lake Chad. This geographic diversity means NiMet observations capture the distinct rainfall patterns, temperature ranges, and seasonal transitions specific to each Nigerian region. Global weather APIs that interpolate Nigerian data from sparse international stations cannot match the localized accuracy of NiMet's ground-truth observations. Daily weather forecasts from NiMet are produced by trained Nigerian meteorologists using sophisticated numerical weather prediction models calibrated to West African atmospheric patterns, including the behavior of the Inter-Tropical Convergence Zone (ITCZ) which governs Nigeria's rainy and dry seasons. The ITCZ migrates northward from March to August and southward from September to January, determining when each part of Nigeria experiences its rainy season. NiMet forecasters specialize in predicting ITCZ behavior and its impact on Nigerian rainfall, making NiMet forecasts particularly reliable for agricultural planning in Nigeria. Seasonal climate forecasts (Long-Range Forecasts) are one of NiMet's most valuable products for Nigerian agriculture and disaster preparedness. Published at the start of each year, NiMet's Seasonal Rainfall Prediction (SRP) forecasts normal, above-normal, or below-normal rainfall probability for each of Nigeria's ecological zones for the upcoming growing season. Nigerian state ministries of agriculture, commercial farmers, and agricultural input suppliers use these seasonal forecasts to plan planting programs, fertilizer procurement, and extension advisory calendars. Agrometeorological data from NiMet includes soil temperature and moisture observations from agrometeorological stations, evapotranspiration estimates, crop water requirement calculations, and growing degree day accumulations — specialized weather variables used by Nigerian agricultural scientists, irrigation engineers, and precision farming platforms to optimize crop production decisions. Harmattan advisory services from NiMet warn Nigerian communities about the onset and intensity of Harmattan — the dry, dusty northeast trade wind that blows off the Sahara Desert from November to March, reducing visibility, desiccating crops, and causing respiratory health issues across the country. NiMet Harmattan advisories provide advance warning so airlines, health facilities, and communities can prepare. Access to NiMet Harmattan forecast data through the API enables Nigerian alert platforms to distribute these warnings to app users. The NiMet API requires registration and API key access, with a freemium model providing basic weather data for free and paid tiers for commercial applications requiring higher volumes, historical archives, and specialized forecast products. Nigerian startups building local weather applications, government agencies building public information platforms, and NGOs supporting climate adaptation programs can all access NiMet data to serve Nigerian users with the most authoritative local weather information available.

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VTpass API

VTpass API

VTpass is a dedicated Value Added Services (VAS) platform providing a unified API for developers to natively integrate utility bill payments and digital services directly into their applications. The VTpass API enables automated airtime vending (MTN, Airtel, Glo, 9mobile), data subscription bundles, electricity bill payments across Nigerian DisCos, cable TV subscription renewals (DStv, GOtv, Startimes), and other utility services. Nigerian fintech apps, mobile money platforms, and business solutions use VTpass to offer comprehensive utility payment services without building separate integrations for each provider.

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Jatom SMS API

Jatom SMS API

Jatom SMS API is a Nigerian SMS gateway platform providing bulk SMS, messaging, and telecommunications solutions for Nigerian businesses. The Jatom SMS API enables developers to send SMS, manage campaigns, and track delivery with real-time reports. Nigerian SMEs, startups, e-commerce platforms, and service businesses use Jatom SMS API for cost-effective bulk messaging, customer notifications, OTP delivery, and transactional SMS with local Nigerian pricing and support.

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ImaliPay API

ImaliPay API

ImaliPay is a Nigerian fintech platform providing APIs for credit scoring, buy-now-pay-later (BNPL), micro-savings, and insurance products. The ImaliPay API enables fintech platforms, e-commerce sites, and lenders to integrate credit assessment, BNPL financing, user savings tools, and insurance coverage into their applications. Nigerian fintech platforms, e-commerce businesses, and lending apps use ImaliPay API to offer flexible payment options, assess creditworthiness using alternative metrics, enable micro-savings programs, and provide insurance protection with platform transaction telemetry and hybrid mobile/WhatsApp payment gateways.

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Konga Logistics API

Konga Logistics API

Konga Logistics (also known as Kxpress) is the logistics arm of Konga.com, one of Nigeria's oldest and most recognized e-commerce platforms. Konga Logistics provides API-integrated parcel delivery covering all 36 Nigerian states and the Federal Capital Territory, offering same-day delivery within Lagos and next-day delivery to other major cities. For Nigerian e-commerce platforms, marketplaces, and direct-to-consumer brands, the Konga Logistics API provides access to an established nationwide delivery infrastructure with the credibility of one of Nigeria's most trusted retail brands. **What Konga Logistics API Does** The Konga Logistics API covers the full e-commerce delivery workflow: **1. Shipment Creation** Create a delivery order with sender information, recipient details, package description, weight, and dimensions. The API returns a waybill number and estimated delivery timeline. **2. Rate Calculation** Request a delivery quote before booking by providing the package weight, dimensions, origin location, and destination state. Returns the delivery cost and expected transit time. **3. Waybill Generation** Generate a printable waybill label for each shipment. Includes barcode for scanning at Kxpress sorting centers, sender/recipient details, and routing information. **4. Real-time Tracking** Track any shipment using its waybill number. Returns current status and location through the delivery network — from pickup through hub processing to final delivery. **5. Cash on Delivery** Kxpress riders and agents collect payment from recipients on behalf of merchants. COD amount is specified at booking time. Collected funds are settled to merchant accounts after delivery confirmation. **6. Multi-state Coverage** Unlike last-mile-only services, Konga Logistics provides genuine end-to-end delivery to all 36 states. The extensive Konga retail and distribution experience gives Kxpress deep operational knowledge of logistics across Nigeria's diverse geographic and infrastructure landscape. **Why Konga Logistics for Nigerian E-Commerce** Konga has operated in Nigerian e-commerce since 2012, building operational knowledge of Nigeria's unique delivery challenges: inconsistent addressing, limited postal infrastructure, cash-preference buyers, and the complexity of serving both dense urban areas and dispersed rural markets. Kxpress was built from this experience. Key advantages for Nigerian e-commerce businesses: 1. **Brand trust**: Nigerian consumers recognize the Konga brand, which can increase acceptance of Kxpress deliveries 2. **Nationwide reach**: True all-36-state delivery, not just Lagos-centric 3. **Cash on delivery**: Essential for Nigerian e-commerce where 60-70% of buyers still prefer COD 4. **Integration support**: Technical team experienced with e-commerce platform integration 5. **Return management**: Reverse logistics supported for e-commerce returns **Integration with E-Commerce Platforms** Konga Logistics has existing plugins for popular Nigerian e-commerce setups and provides REST API for custom integrations. The API workflow for an e-commerce order is: 1. Customer places order on merchant platform 2. Merchant system calls Konga Logistics rate API → gets price 3. Price shown to customer at checkout 4. On order confirmation: call Konga Logistics booking API → receive waybill 5. Waybill sent to merchant for physical package labeling 6. Kxpress agent picks up package from merchant location 7. Merchant system polls tracking or receives webhooks for status updates 8. Delivery confirmed → COD settlement initiated (if applicable) **Service Levels** - **Same-day (Lagos)**: Orders confirmed before cutoff time delivered same day - **Next-day**: Major cities outside Lagos (Abuja, Port Harcourt, Kano, Ibadan) - **2-5 days**: Secondary cities and rural areas in all 36 states - **Express**: Premium tier for time-sensitive deliveries **Pricing** Konga Logistics charges per shipment based on weight, dimensions, and destination zone. No monthly API subscription fee. Volume discounts available for high-shipment merchants. Contact Konga Logistics for a commercial pricing agreement. **Compliance and Account Setup** API access requires a Konga Logistics merchant account. Business registration (CAC) and contact verification are required. API credentials are provided after account approval. Sandbox environment available for development and testing. **Company Background** Konga was founded in 2012 by Sim Shagaya and was one of the first major Nigerian e-commerce platforms. After several years of rapid growth and investor backing (from Kinnevik and Naspers/Prosus), Konga was acquired by Zinox Technologies in 2018. Under Zinox's ownership, Konga has continued to operate as a major Nigerian e-commerce platform, and Kxpress has expanded its logistics capabilities. The Zinox-Konga combination gives Konga Logistics the backing of Nigeria's largest technology conglomerate. Konga Logistics is a natural choice for Nigerian merchants who want a nationally trusted courier brand with nationwide coverage, cash on delivery support, and an API-integrated workflow for e-commerce operations.

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Flutterwave API

Flutterwave API

Flutterwave is one of Africa's most widely used payment infrastructure companies, providing a comprehensive API that enables businesses to accept payments locally across Africa and internationally in 150+ countries. Founded in 2016 and headquartered in San Francisco with major operations in Lagos, Flutterwave powers payments for over 1.3 million businesses across Africa. The platform is CBN-licensed, PCI DSS Level 1 certified, and handles billions of dollars in transactions annually. What the API Does The Flutterwave API provides a unified payment layer covering: card payments (Verve, Visa, Mastercard, AMEX, Discover); bank transfer checkout (USSD and direct NIP); mobile money (M-Pesa, MTN MoMo, Airtel Money, and more); virtual accounts for NGN collections; recurring billing and subscription management; split payments for marketplace revenue sharing; bulk transfers for mass payouts; multi-currency settlement in NGN, USD, GBP, EUR, and more; and payment links for no-code collections. How Developers Use It Developers sign up at flutterwave.com, obtain API keys from the Developer section of the dashboard, and integrate using the documentation at developer.flutterwave.com. Authentication uses Bearer token — secret key placed as "Authorization: Bearer sk_test_..." in request headers. Test mode keys only work in the test environment. SDKs are available for JavaScript, React, React Native, Flutter, Python, PHP, Node.js, and more. Inline checkout and redirect checkout are both supported. Webhooks deliver real-time transaction events to developer endpoints. Pricing Local transactions (cards, bank transfer, USSD, POS, Visa QR): 2% per transaction, broken down as 1.4% transaction fee + 0.6% platform fee. International cards (Visa, Mastercard, AMEX, Discover): 4.8% per transaction. Transfer fees: ₦10 for transfers up to ₦5,000; ₦25 for ₦5,001 to ₦50,000; ₦50 for transfers above ₦50,000. All fees are subject to 7.5% VAT. No monthly fee — only pay when you transact. By default, customers bear transaction charges but this can be adjusted in the dashboard. Authentication Bearer token using the secret key from your Flutterwave dashboard. Format: "Authorization: Bearer sk_test_{KEY}" for test, "Authorization: Bearer sk_live_{KEY}" for live. Never expose secret keys client-side. Rate Limits Flutterwave enforces rate limits and returns HTTP 429 (Too Many Requests) when exceeded. Specific thresholds are documented at developer.flutterwave.com/v3.0/docs/rate-limit. Compliance CBN-licensed, PCI DSS Level 1 certified. Flutterwave is registered with multiple African central banks and financial regulatory authorities. NDPR-compliant for Nigerian data protection. Challenges and Gotchas (1) The 0.6% platform fee on top of the 1.4% transaction fee makes the effective local rate 2% — ensure pricing models account for both components. (2) 7.5% VAT applies to all fees, not just the base rate. (3) International card chargeback risk requires careful implementation of refund and dispute handling. (4) Flutterwave has faced some regulatory challenges historically — stay current on their operational status. (5) Webhook endpoint verification (signature check) is mandatory in production. Company Background Flutterwave was founded by Olugbenga Agboola (GB) and co-founders in 2016. The company has raised over $500M in funding and is valued at over $3 billion, making it one of Africa's most valuable fintech companies. It operates in 34+ African countries and has processed over $26 billion in transactions. FAQs Q: What is the fee for local card payments in Nigeria? A: 2% per transaction (1.4% + 0.6% platform fee), subject to 7.5% VAT. No cap publicly published — verify on the pricing page. Q: Does Flutterwave support USSD payments? A: Yes. USSD is supported at the same 2% local rate. Q: Does Flutterwave support M-Pesa in Kenya? A: Yes. M-Pesa is supported for Kenya and other East African markets. Q: Is there a sandbox? A: Yes. Use test mode API keys (sk_test_...) for sandbox testing. Q: What is the transfer fee? A: ₦10 for transfers ≤₦5,000; ₦25 for ₦5,001–₦50,000; ₦50 for transfers above ₦50,000. All subject to VAT.

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Temi Kolawole Nigeria Geo API

Temi Kolawole Nigeria Geo API

Temi Kolawole Nigeria Geo API is an open-source Nigerian geographic hierarchy dataset published on GitHub by Nigerian developer Temi Kolawole, providing structured JSON data covering all 36 Nigerian states plus the Federal Capital Territory (Abuja), all 774 Local Government Areas (LGAs) under each state, ward-level subdivisions for each LGA, and GPS coordinates for locations. This freely available dataset fills a critical gap for Nigerian app developers who need structured Nigerian administrative geography data — state-LGA-ward hierarchies — for building address forms, delivery zone configurations, geographic filters, field survey forms, and location-based features in Nigerian applications. Nigerian address forms have historically been one of the most frustrating UX challenges in Nigerian app development because no authoritative, developer-ready dataset of Nigerian states, LGAs, and wards was publicly available in a machine-readable format. Apps either resorted to free-text address input (leading to inconsistent data), or developers manually compiled partial lists that missed LGAs or contained errors. The Temi Kolawole dataset solves this by providing a complete, verified JSON structure of the entire Nigerian administrative hierarchy that developers can embed directly into their applications. State and LGA dropdown selectors are the most common integration of this dataset. Nigerian e-commerce platforms, delivery services, healthcare registration portals, and government applications collect structured Nigerian addresses by presenting a State dropdown that filters to the LGAs within the selected state, and optionally a Ward dropdown for more precise location selection. Using the Temi Kolawole dataset ensures that every Nigerian state and every LGA is represented accurately, with correct LGA assignments to each state — preventing common errors like misassigning an LGA to the wrong state. Delivery zone configuration for Nigerian logistics companies uses the LGA-level data with coordinates to define service coverage areas. A courier company serving Lagos State can configure its delivery zones by Lagos LGAs — Eti-Osa, Surulere, Alimosho, Lagos Island, Kosofe, etc. — using the dataset's LGA list to populate zone management tools. The GPS coordinates per location enable mapping these zones on a leaflet or Google Maps interface for visual zone management. Field survey and data collection applications used by NGOs, research institutions, and government agencies conducting surveys across Nigeria use the state-LGA-ward hierarchy to structure their geographic data collection. Field workers complete digital survey forms with geographic location selected from standardized dropdowns rather than free-text, ensuring consistent location data that can be aggregated and analyzed at state, LGA, or ward level. Organizations like UNICEF, WHO, and Nigerian state health agencies running household surveys benefit from consistent Nigerian administrative geography in their data collection tools. Electoral and political analysis applications tracking Nigerian election results by state, senatorial district, federal constituency, LGA, and ward use this geographic hierarchy as the foundation for their analysis data structures. Nigerian political journalism, election monitoring organizations, and civic tech platforms analyzing INEC results data need accurate LGA and ward boundaries to correctly aggregate and display election results. The dataset is hosted as a JSON file on GitHub and accessed by fetching the raw file URL — there is no traditional API server with request limits. It is completely free with no API key, no registration, and no rate limits. Developers embed the JSON directly in their application or fetch it at startup. The open-source nature means it can be modified, extended, and redistributed. Nigerian developers are encouraged to contribute corrections or updates through the GitHub repository if they identify any data inaccuracies in LGA lists or coordinates.

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Eventim Nigeria

Eventim Nigeria

Eventim Nigeria API is the developer integration layer for Eventim Nigeria, the Nigerian arm of the global Eventim ticketing group, providing programmatic access to event creation, ticket sales, seat management, attendee tracking, and event reporting for the Nigerian live entertainment and events market. Eventim Nigeria is one of the established ticketing platforms in the Nigerian market, serving large-scale concerts, comedy shows, theatre productions, corporate conferences, award ceremonies, and festival events with a platform built for Nigerian payment methods and local market expectations. Event ticket sales through the Eventim Nigeria API enable event organizers to embed ticketing flows directly into their own websites, mobile apps, and marketing landing pages without requiring users to navigate to the Eventim platform. For Nigerian concert promoters and entertainment companies, keeping ticket purchases within their own branded environment reduces purchase abandonment and maintains brand control throughout the customer journey. An event organiser running a major Afrobeats concert in Lagos Eko Hotel can integrate Eventim Nigeria API to sell tickets on their own Instagram-linked website while the backend fulfillment, payment processing, and ticket validation are all handled by Eventim. Seat and ticket tier management through the API supports different seating configurations: numbered seats in theaters and arenas, section-based general admission areas, VIP packages, and early-bird versus standard pricing tiers. Nigerian event organisers running events at venues like the MUSON Centre, Balmoral Hall, or Landmark Events Centre can configure their specific seating maps and pricing structures programmatically, enabling sophisticated ticket tier management without manual configuration through a dashboard. Payment processing through Eventim Nigeria supports the payment methods Nigerians use: Mastercard, Visa, Verve cards, and local payment gateway options. For event organizers and ticketing app developers integrating Eventim Nigeria, the payment handling is abstracted away — the API manages the payment collection and the organizer receives event proceeds after Eventim's service fee is deducted. This eliminates the need for event organizers to maintain their own payment processing infrastructure. Attendee management capabilities include real-time ticket validation for event check-in using QR codes or barcodes generated by the Eventim system. Nigerian event security teams and registration staff can use Eventim Nigeria's check-in tools or build custom check-in apps that call the API to validate tickets against the registered attendee list, preventing ticket fraud and unauthorized entry — a persistent concern for high-demand events in Nigeria. Event analytics and reporting through the API give organizers access to real-time ticket sales data, revenue figures broken down by ticket tier, geographic distribution of buyers, and purchase timing analytics. Nigerian event promoters planning future event pricing, venue selection, and marketing spend can use these analytics to understand which ticket tiers sell fastest, when sales peak relative to the event date, and where buyers are located across Nigeria. White-label ticketing integration using the Eventim Nigeria API enables Nigerian entertainment platforms, concert listing websites, and social media management companies to build ticketing features into their products without building ticketing infrastructure themselves. The API access model requires direct commercial engagement with Eventim Nigeria for pricing and integration agreements, making it most suitable for established Nigerian event businesses and technology companies with ongoing volume.

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Tendar API

Tendar API

Tendar is a Nigerian BNPL (Buy Now Pay Later) and lending platform providing APIs for e-commerce integration and installment management. The Tendar API enables merchants to offer BNPL checkout, manage installment plans, handle debt recovery, and embed flexible payment options directly into platforms. Nigerian e-commerce sites, marketplaces, and merchants use Tendar API to increase conversion by offering customers installment payment options.

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VTU.ng API

VTU.ng API

Nigerian VTU (Virtual Top-Up) platform providing airtime, cheap data, cable subscriptions, and bill payments API. VTU.ng is very popular among Nigerian developers and resellers for its excellent rates, simple integration, and strong API. Supports all major telecom networks (MTN, Airtel, Glo, 9mobile) and cable providers.

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PiggyVest Business API

PiggyVest Business API

Nigerian fintech API platform for B2B savings and investment integration. PiggyVest provides business APIs enabling companies to embed automated savings, investment products, and wealth management tools into their applications. Purpose-built for African markets with strong focus on financial inclusion and automated savings automation for individuals and businesses.

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Syticks (Merpi) API

Syticks (Merpi) API

Syticks, operating under the Merpi brand, is a Nigeria-focused ticketing and event management platform providing APIs for embedded ticketing across events, cinema, bus bookings, and hotel reservations. The Syticks API enables developers to embed ticket sales, seat selection, booking management, and payment collection directly into their platforms without redirecting to external ticketing sites. Nigerian entertainment platforms, transport companies, hospitality apps, and event organizers use Syticks API to monetize ticket sales, manage capacity, automate confirmations, and provide seamless booking experiences for Nigerian customers across events, movie theaters, intercity buses, and hotels.

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Stellas Microfinance Bank API

Stellas Microfinance Bank API

Stellas Microfinance Bank provides payment APIs and collections services focused on microfinance use cases. The Stellas MFB API enables payment processing and collection management for microfinance operations. Nigerian microfinance companies use Stellas APIs for payment processing.

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Anchor API

Anchor API

Anchor is a Banking-as-a-Service (BaaS) and embedded finance platform headquartered in Lagos, Nigeria, purpose-built for African businesses and developers who want to launch financial products without building core banking infrastructure from scratch. Founded and Y Combinator-backed, Anchor has become one of Nigeria's most important fintech infrastructure companies — serving clients including Wema Bank, Mono, Squad, and SeamlessHR across SaaS, digital health, e-commerce, and enterprise sectors. At its core, Anchor provides a suite of RESTful APIs covering five major product pillars: Accounts, Payments, Cards, Credit, and Savings & Investment. Each pillar is designed to be modular — developers can adopt one or all, depending on what their product needs. This modularity makes Anchor equally suitable for a single-purpose wallet app and a full-scale neobank. **Accounts API** The Accounts API allows developers to create and manage deposit accounts, savings accounts, and virtual accounts for both individual and business customers. These accounts operate on Nigerian banking rails, giving end users real Nigerian bank account numbers that can receive NIP transfers from any bank in Nigeria. Developers can manage balances, retrieve transaction histories, and generate account statements programmatically. Sub-ledger and sub-account functionality is also available for platforms that need to manage multiple customer accounts within a single ledger system. **Payments API** Anchor's Payments API handles instant NIP bank transfers — the Nigerian Inter-Bank Settlement System standard for real-time money movement between Nigerian banks. The API supports single transfers, account-to-account transfers within the Anchor ecosystem, and bulk transfer operations for payroll, disbursements, or vendor payments. The Bill Payments module extends this further, enabling developers to integrate airtime top-up, mobile data purchases, cable TV subscriptions (DSTV, GOtv), and electricity prepaid token purchases directly into their applications using a single set of API endpoints. **Cards API** The Cards API enables businesses to issue both physical and virtual debit cards under their own brand. Virtual cards can be issued instantly for digital spending, while physical cards can be dispatched to cardholders via courier. Card controls — freezing, unfreezing, setting spend limits — are all available via API, giving product teams full programmatic control over the card lifecycle. **Credit API** For companies building lending products, Anchor's Credit API handles the full loan lifecycle: origination, disbursement, repayment scheduling, and delinquency tracking. Combined with the KYC/KYB customer verification capabilities, this makes it possible to build a complete loan origination system in Nigeria without needing separate infrastructure for identity, disbursement, and collections. **Savings & Investment API** Anchor allows developers to build savings products with customizable interest rates, lock periods, and contribution schedules. This is ideal for savings-focused fintech apps, target savings groups (like ajo/esusu), or employer benefit platforms that want to offer automated saving features. **Authentication & API Security** Anchor uses API key-based authentication with Bearer token delivery. API keys are created through the Anchor Dashboard under the Developers section and must have explicit permissions assigned at creation time — Anchor follows a least-privilege model where keys only access the endpoints you explicitly authorize. Developers are strongly encouraged to use environment variables rather than hardcoding API keys and to rotate keys on a regular schedule. Two environments are available: the Sandbox environment (api.sandbox.getanchor.co) for testing and the Live environment (api.getanchor.co) for production transactions. **Sandbox Environment** Anchor's sandbox environment is a full-fidelity replica of the production system. Developers can test account creation, simulate incoming payments, test transfers, trigger webhook events, and validate KYC flows without touching real money or real customer data. This makes it significantly easier to build and QA financial products before going live. **Compliance & CBN Regulation** Anchor is not itself a bank — it is a technology infrastructure provider. Banking services delivered through the platform are provided by CBN-licensed Nigerian partner banks, which means end users benefit from regulated deposit-taking and payment services. This structure allows Anchor's business customers to offer banking products under a compliance umbrella without obtaining their own banking or PSSP license from the CBN. For customer-facing products, Anchor handles individual KYC verification (identity, BVN, liveness checks) and business KYB verification (CAC registration, director identity, beneficial ownership) through its API. **Pricing** Anchor uses a custom, volume-based pricing model negotiated based on the type of financial products deployed and the transaction volumes involved. No publicly listed free tier or flat-rate pricing exists — businesses are encouraged to contact the sales team for a tailored quote. This model is typical for BaaS platforms where the pricing reflects the regulatory overhead and compliance infrastructure being provided. **Rate Limits** Specific rate limits are not publicly documented. Developers should contact Anchor support or consult the enterprise agreement for rate limit policies. **Challenges & Considerations for Nigerian Developers** One common challenge is that Anchor's platform is designed for businesses launching financial products — not individual developers experimenting for personal use. Getting full production access typically requires completing KYB verification with a registered Nigerian company (CAC registration) and meeting Anchor's partner onboarding requirements. The platform is not self-serve in the same way smaller payment gateways are. Additionally, pricing is not transparent, which can make budgeting difficult at the early exploration stage. However, for serious fintech builders, the depth of capabilities — especially card issuance and credit — is unmatched in the Nigerian BaaS market. **Frequently Asked Questions** Q: Can I use Anchor without a CBN banking license? A: Yes. Anchor's banking services are provided by CBN-licensed partner banks, so you do not need your own banking license to offer deposit accounts, transfers, or card products to your users. Q: Does Anchor support both individual and business customers? A: Yes. The API handles individual customer KYC and business KYB as separate flows with distinct verification requirements. Q: Is there a sandbox environment for testing? A: Yes — the sandbox at api.sandbox.getanchor.co has full feature parity with production, allowing you to simulate all transaction types. Q: Does Anchor support international transfers or foreign currency accounts? A: Anchor is primarily focused on Nigerian Naira (NGN) banking rails. International SWIFT transfers and multi-currency accounts are not currently supported. Q: Who are Anchor's partner banks? A: Anchor works with CBN-licensed Nigerian partner banks but does not publicly disclose all partner names. Contact the Anchor team for details relevant to your use case.

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Fluentax CBN Exchange Rates

Fluentax CBN Exchange Rates

Fluentax CBN Exchange Rates API provides access to official exchange rates published by the Central Bank of Nigeria (CBN), specifically the NFEM (Nigerian Foreign Exchange Market) window rates that represent the official spot rate for foreign currency transactions in Nigeria. These official CBN rates are distinct from black market or bureau de change rates — they are the legally mandated rates that Nigerian companies must use for specific regulatory and financial reporting purposes under CBN guidelines, FIRS tax regulations, and IFRS accounting standards applicable in Nigeria. The Central Bank of Nigeria publishes official exchange rates daily through the NFEM window, which since 2023 represents a unified market rate following the FX market liberalization that merged multiple rate windows into a single market-determined rate. This rate is the reference for all official foreign currency transactions, accounting entries, and tax calculations in Nigeria. Fluentax aggregates these official CBN daily rate publications and makes them accessible through a clean REST API, eliminating the need for developers to scrape the CBN website or manually update exchange rates in their systems. Accounting software integration is the primary commercial use case for the Fluentax CBN Exchange Rate API. Under IFRS (International Financial Reporting Standards) as adopted in Nigeria, companies must translate foreign currency transactions at the exchange rate prevailing on the transaction date, and must restate foreign currency monetary items at the closing rate at each reporting date. Nigerian ERP systems and accounting platforms can automate this rate retrieval by querying Fluentax for the official CBN rate on any given date, eliminating manual rate entry errors and ensuring compliance with accounting standards. Tax compliance for Nigerian businesses is directly supported by the Fluentax API. The Federal Inland Revenue Service (FIRS) requires that foreign currency transactions be reported in naira using officially approved exchange rates — typically the CBN rate — for corporate income tax returns, VAT filings, and transfer pricing documentation. Nigerian tax preparation software, ERP tax modules, and FIRS e-filing integrations can use Fluentax to automatically apply the correct CBN rate when computing naira equivalent values for foreign currency transactions included in tax filings. Historical CBN rate data accessible through Fluentax enables auditors and financial controllers to verify that the correct official rates were applied in prior period financial statements. Nigerian audit firms conducting annual statutory audits and forensic accountants investigating financial irregularities can pull historical CBN rates for any past date to verify clients' rate application, identify rate-based discrepancies, and support audit evidence documentation. Transfer pricing documentation in Nigeria, required for multinational companies under the FIRS Transfer Pricing Regulations, must express intercompany transactions in naira using official CBN rates. The Fluentax historical rate API simplifies this documentation by providing retrievable historical CBN rates for any transaction date, enabling multinational companies with Nigerian operations to compile complete transfer pricing records with official rate support. Fluentax operates a freemium model with free access to recent CBN rate data and paid plans unlocking extended historical archives and higher API call volumes. The API uses key-based authentication and returns JSON responses with the official CBN rate for the requested date and currency pair. Nigerian accounting software vendors, tax technology companies, and enterprise ERP integrators are the primary target users for this compliance-oriented exchange rate API.

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Providus Bank API

Providus Bank API

Providus Bank is a fintech-friendly commercial bank providing Banking-as-a-Service (BaaS) APIs enabling fintech platforms to offer banking services. The Providus Bank API provides endpoints for transfers, virtual account creation, balance inquiries, statement retrieval, and webhook notifications. Nigerian fintech platforms, payment companies, and digital banks use Providus Bank APIs to enable core banking functionality, virtual account services, and fund management without building banking infrastructure.

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Vtunaija API

Vtunaija API

Nigerian VTU platform with comprehensive service coverage including airtime, data, bill payments, and exam pins. Vtunaija provides good customer support and developer-friendly APIs. Serves multiple needs beyond standard VTU including exam registration pin sales for JAMB, WAEC, and other educational institutions.

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Wema Bank (Sparkle) API

Wema Bank (Sparkle) API

Wema Bank provides Open Banking APIs through its Sparkle platform. The Wema Bank API enables account linking, transaction access, and open banking functionality. Wema Bank was an early open banking adopter in Nigeria. Nigerian fintech platforms use Wema Bank APIs for account connectivity.

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Gamp API

Gamp API

Gamp is a Nigerian device insurance and protection API platform providing endpoints for insurance plan pricing, plan creation, claims management, and device repair services. The Gamp API enables e-commerce platforms, device retailers, fintech apps, and telcos to integrate device insurance and protection services for smartphones, laptops, and electronics. Nigerian e-commerce platforms, telcos, and fintech companies use Gamp API to offer device insurance, manage customer claims, coordinate repairs, track devices via IMEI, and provide comprehensive device protection with flexible coverage durations.

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Sterling Bank (sPay) API

Sterling Bank (sPay) API

Sterling Bank provides Open Banking and embedded finance APIs through its sPay platform. The Sterling Bank API enables BVN verification, collections, open banking access, and custom integrations. Nigerian SMEs and fintechs use Sterling Bank APIs for KYC, payments, and embedded finance.

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DataVTU API

DataVTU API

Nigerian VTU platform specializing in cheap data packages alongside airtime, cable TV, and utilities. DataVTU is popular among Nigerian developers and resellers for competitive data pricing. Provides API access for airtime recharge, data bundles, cable subscriptions, and bill payments across all major networks and providers.

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Cowrywise API

Cowrywise API

Nigerian fintech API platform for savings, investment, and wealth management integration. Cowrywise provides developer APIs to integrate savings products, investment tools, and automated saving mechanisms into applications. Enables financial inclusion through easy investment access and savings automation for African users.

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Paga

Paga

Paga is one of Nigeria's oldest and largest mobile money platforms, founded in 2009 by Tayo Oviosu. Paga is operated by Pagatech Limited, a subsidiary of Paga Group Ltd (UK), and holds a CBN Mobile Money Operator license — one of the most comprehensive payment licenses in Nigeria. Paga also has NDIC (Nigerian Deposit Insurance Corporation) insurance coverage, meaning customer funds are protected up to ₦500,000. With over 20 million registered users and more than 30,000 agents across Nigeria, Paga has built deep financial infrastructure that it has opened to developers via the Paga Business API. The Paga Business API is a RESTful API accessed at developer-docs.paga.com. Unlike most Nigerian payment APIs that use standard Bearer tokens, Paga uses a custom authentication scheme based on SHA-512 HMAC hashing. Each API request requires three custom headers: principal (the organization's public ID), credentials (the organization password), and hash (an SHA-512 hash computed from specific request parameters combined with a secret hash key provided by Paga). This non-standard auth scheme means developers must implement the hashing algorithm correctly or all requests will fail — a common gotcha for developers new to the Paga API. The Paga Business API supports a wide range of financial operations beyond just payment collection. The moneyTransfer endpoint allows sending money to any Nigerian bank account or Paga account. The depositToBank endpoint specifically handles bank-to-bank transfers. The airtimePurchase endpoint buys airtime or data bundles for any major Nigerian network (MTN, Airtel, Glo, 9mobile). The merchantPayment endpoint enables payment to registered Paga merchants. The billPayment endpoint covers utilities and service payments including DSTV, GoTV, EKEDC, and other billers. The accountBalance endpoint retrieves current balance, and registerCustomer allows platforms to programmatically onboard new customers to Paga. A powerful feature is bulk transaction support — the Bulk Transfer API allows sending up to 300 transfer instructions in a single API call. This makes Paga highly efficient for Nigerian companies that run regular payroll, commission disbursements, or refund processing at scale. Paga also offers a Collect API — a payment request mechanism where a business generates a payment request for a specific customer, and the customer receives a notification to approve the payment from their Paga account or via USSD. This is similar to a payment link but operates within the Paga network. The Direct Debit API enables businesses to set up recurring debit mandates on customer accounts, allowing automatic deductions for subscriptions, loan repayments, and installment payments — a critical feature for Nigerian lending platforms and SaaS businesses. Pricing is competitive: P2P transfers between Paga accounts are free, making Paga attractive for platforms where both payer and recipient use Paga. Transfers to Nigerian bank accounts cost 1.5% of the transfer amount for card-funded transactions. A minimum fee of ₦10 applies. Enterprise API partners may negotiate custom pricing based on volume. The sandbox environment is available at beta.mypaga.com with test credentials. Live APIs run at mypaga.com. Moving from sandbox to production requires completing Paga's business onboarding process, which includes submitting your use case description, CAC registration documents, and director KYC. From a compliance perspective, Paga holds a CBN Mobile Money Operator license and is NDIC-insured. All transactions are processed within the CBN regulatory framework. Paga is also registered with the NDPR as a data processor. Paga has been operating since 2009 — one of the longest-standing fintech licenses in Nigeria. Known challenges: The SHA-512 HMAC authentication is non-standard and requires careful implementation. The API documentation uses older REST conventions that may feel less intuitive compared to Paystack or Flutterwave. Paga's coverage is strongest in regions where Paga agents are concentrated (North, Southwest Nigeria). Integration support is primarily email-based. Frequently Asked Questions: Why does Paga use SHA-512 hashing instead of Bearer tokens? Paga's authentication predates the widespread adoption of JWT Bearer tokens. The SHA-512 HMAC scheme ensures request integrity and authenticity without requiring TLS-only trust. Can I use Paga API without a Nigerian business? Paga requires a registered Nigerian business account for API access. The CBN licensing requirements mandate that only registered entities can access the Paga Business API. Does Paga support USSD payments? Yes — Paga's agent and consumer USSD product (*242#) is widely used. The Collect API leverages USSD as a notification and payment confirmation channel.

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Kora Payments API

Kora Payments API

Kora (formerly Korapay) is a CBN-licensed pan-African payment infrastructure company offering a unified API for payment acceptance, payouts, identity verification, and exchange rates across Nigeria, Ghana, Kenya, and South Africa. The company rebranded from Korapay to Kora to signal its evolution from a single-market payment gateway to a multi-country API platform. Kora serves Nigerian and pan-African fintechs, marketplaces, and enterprises with a developer-first API design. What the API Does The Kora API provides: card payment acceptance (local and international); bank transfer checkout; mobile money payments across Africa; payouts to Nigerian and other African bank accounts; identity verification (BVN, NIN, vNIN, CAC, and multi-country KYC); a real-time exchange rate API; and webhook notifications for all transaction events. The API base URL is api.korapay.com/merchant. How Developers Use It Developers sign up at korahq.com, complete business verification, and obtain API keys from their Kora dashboard. Authentication uses Bearer tokens — the secret key is passed as "Authorization: Bearer {SECRET_KEY}" in request headers. Test mode uses separate test keys; live mode requires dashboard activation. Sandbox testing is available with specific test cards and bank account numbers. The full API reference is at developers.korapay.com and docs.korapay.com (OpenAPI spec available at developers.korapay.com/llms.txt). Pricing Not publicly listed. Per-verification costs for identity services are deducted directly from the Kora account balance. Payment processing fees require contacting Kora directly. Sandbox/test mode is free. Rate Limits Not publicly documented — contact Kora support for limits before high-volume integrations. Compliance CBN-licensed in Nigeria. Multi-country presence with appropriate regulatory relationships in Ghana, Kenya, and South Africa. Encryption and security-grade protocols for all identity verification calls. Challenges and Gotchas (1) Identity service activation is separate from standard payment access — must be enabled in dashboard. (2) No public rate card — pricing requires direct engagement. (3) Rate limits not documented. (4) Two documentation sites exist (developers.korapay.com and docs.korapay.com) — both are maintained but can cause confusion. (5) Recurring billing not currently supported. Company Background Kora was founded in Nigeria and has grown into a multi-country payment infrastructure provider. The company raised a Series A round and is backed by African and global investors. The rebrand from Korapay to Kora reflected the platform's expansion beyond Nigeria to serve pan-African payment flows. FAQs Q: Is Kora the same as Korapay? A: Yes. Korapay rebranded to Kora to reflect its multi-country expansion. Q: Does Kora support mobile money across Africa? A: Yes. Mobile money payments are supported across multiple African markets. Q: Is there a sandbox? A: Yes. Use test keys and the provided test card/bank account numbers to simulate payments. Q: Does Kora have an exchange rate API? A: Yes. A real-time exchange rate API is included in the Kora API suite. Kora's identity verification capabilities — BVN validation, NIN verification, CAC business registration lookup, bank account name resolution — allow platforms to perform KYC checks within the same API integration used for payments. For Nigerian fintechs with regulatory KYC obligations, combining payment processing and identity verification in a single provider relationship reduces integration complexity and the vendor management overhead of maintaining separate payment and KYC provider relationships. Multi-country coverage from Kora extends payment collection and disbursement capabilities to Nigeria, Ghana, Kenya, and South Africa through a single API, with exchange rate data available for FX conversion between these markets. Nigerian platforms expanding to other African markets, or pan-African platforms that include Nigeria as a market, can use Kora to cover multiple African payment contexts without establishing separate provider relationships in each country. Kora's API documentation and developer experience orientation reflect the company's positioning for developer-led product discovery — Nigerian developers can sign up, explore the sandbox, and begin integration without enterprise sales engagement. The availability of test environment credentials, comprehensive API reference documentation, and code examples reduces the time from developer discovery to working integration, which is meaningful for Nigerian startups moving quickly to market.

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Onafriq (Baxi)

Onafriq (Baxi)

Onafriq (formerly MFS Africa) is Africa's largest digital payments gateway, operating across 40+ African countries and reaching over 500 million mobile wallets and bank accounts on the continent. In Nigeria, Onafriq operates the Baxi super-agent network — a branded agency banking network with over 460,000 active agents nationwide, covering both urban and rural areas. Baxi is one of Nigeria's largest super-agent networks and is used by streaming platforms, utilities, government agencies, and fintech companies to collect payments from and disburse to cash-preferred Nigerian consumers. Onafriq provides a unified API that connects businesses to its full collection and disbursement infrastructure across Nigeria and Africa. The API documentation is at docs.onafriq.com, and Onafriq Nigeria Payments Ltd holds a CBN Payment Service Provider license for all Nigerian operations. The Collections API enables businesses to receive payments through multiple channels: mobile money wallets (pan-African, where applicable), bank account transfers, debit cards, and cash payments via Baxi agents. This multi-channel collection capability is the core value proposition — a single API integration enables a business to collect from tech-savvy card users, bank transfer users, and cash-paying offline customers all at once. This is particularly powerful for Nigerian companies serving a diverse customer base that spans different income levels and digital adoption stages. For bill payments, Onafriq's Baxi network integrates with over 248 billers including electricity DISCOs (EKEDC, IKEDC, AEDC, and others), DSTV and GOtv subscription management, water corporation payments, and various government agencies. Businesses can integrate the Biller API to let their users pay any of these billers from within their application. The Disbursements API enables fast, secure payouts to bank accounts and mobile wallets across Nigeria. This is used by social protection programs (conditional cash transfers), agricultural buyers (paying farmers at harvest), insurance companies (claims payouts), and any platform that needs to send money to Nigerian recipients who may not have traditional bank accounts. A significant 2026 milestone was Onafriq's PAPSS (Pan-African Payment and Settlement System) integration, launched in partnership with Nigerian banks and mobile money operators. This enables wallet-based outbound payments from Nigeria to Ghana — a first step toward real-time pan-African interoperable payments using local currencies, bypassing USD correspondent banking for intra-African transfers. In January 2026, Showmax partnered with Baxi by Onafriq to offer Nigerian subscribers a new payment option for streaming subscriptions — allowing users to pay in person at any Baxi agent point without needing a bank card or mobile banking app. This demonstrates the commercial value of the Baxi network for digital businesses that want to capture Nigeria's large cash-preferred segment. Authentication for the Onafriq API uses Bearer Token or API Key credentials obtained through the developer portal. Enterprise integration partners may have specific authentication flows depending on their market and product. A sandbox environment is available for testing. Known challenges: Onafriq's developer documentation is less self-service-oriented than Paystack or Flutterwave — enterprise integration partnerships are the primary onboarding path. Nigeria-specific Baxi agent banking integration may require additional operational setup beyond just API access. Pricing is negotiated per partnership rather than published on a public pricing page. Frequently Asked Questions: Can I use the Baxi agent network without building a full integration? Baxi provides physical agent points where end customers can pay using reference codes — the integration generates a reference code that the customer presents at the Baxi agent. Full API integration is required to generate reference codes and reconcile payments. Is Onafriq the same as Baxi? Baxi is Onafriq's Nigeria-specific super-agent brand. Onafriq is the pan-African parent. The API covers all Onafriq products including Baxi. Does Onafriq support mobile money in Nigeria? Onafriq's mobile money expertise is strongest in East Africa (Kenya, Tanzania) and West Africa (excluding Nigeria, where mobile money adoption has been slower than agent banking). In Nigeria, the focus is on bank transfers and Baxi cash agents.

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SeerBit

SeerBit

SeerBit is a Nigerian payment gateway and pan-African payment infrastructure provider founded in 2019 by Omoniyi Kolade and Emmanuel Imam. SeerBit holds a CBN Payment Solution Service Provider (PSSP) license, is PCI-DSS certified, and has expanded beyond Nigeria to provide local payment acquiring in over 10 African markets including Ghana, Kenya, South Africa, Tanzania, Uganda, Côte d'Ivoire, Cameroon, Senegal, and others. This multi-country capability makes SeerBit unique among Nigerian payment gateways — developers can use a single SeerBit account and integration to accept local payment methods across anglophone and francophone Africa. The SeerBit API is RESTful with JSON payloads. Authentication uses two separate keys: a Public Key (used client-side to initialize the checkout widget in the browser) and a Secret Key (used server-side for all backend API calls including transaction verification, transfers, and refunds). Keys are obtained from the SeerBit merchant dashboard. Standard payments flow follows the initialize-then-verify pattern common in Nigerian gateways. SeerBit supports a comprehensive set of payment channels. For Nigeria: card payments (Visa, Mastercard, Verve) with 3D Secure 2.0, bank transfer checkout (virtual account assignment), USSD, direct debit, and cash collections via agents. For other African countries: mobile money (MTN Mobile Money, Orange Money, Airtel Money), local card networks, and bank transfers where available. This unified multi-channel API significantly reduces integration complexity for African-facing platforms. On pricing, SeerBit charges 1.5% per local Nigerian transaction capped at ₦2,000, with no setup fee. International card transactions are charged at 3.8% — slightly lower than Paystack (3.9%) and Monnify (4%), which can represent meaningful savings at scale. There is no monthly platform fee. Settlement occurs within 24 hours for Nigerian transactions. Rates for other African countries vary by market and are available from SeerBit's pricing page. SeerBit also offers SeerBit Alpha — a Banking-as-a-Service (BaaS) offering that enables fintechs and platforms to launch embedded financial products including wallets, virtual cards, lending, and savings features without building payment infrastructure from scratch. Alpha is targeted at Nigerian startups that want to go to market quickly with financial products. The Direct Debit feature allows businesses to set up debit mandates on customer bank accounts for recurring billing. Customers authorize the mandate once, and the platform can automatically debit them on a schedule. This is particularly useful for subscription-based products, loan repayment collection, and Nigerian SaaS companies billing in recurring cycles. The sandbox environment mirrors production. SeerBit provides test card numbers, simulated bank transfer flows, and test USSD responses for all supported channels. The sandbox is accessible immediately after creating a developer account. From a compliance standpoint, SeerBit is regulated by the CBN under the PSSP license category, which covers payment gateway, payment terminal service, and payment solution service operations. SeerBit is also PCI-DSS certified, ensuring all card data is handled and stored securely. The company is backed by Adaverse and other African-focused venture funds. Known challenges: SeerBit's documentation is functional but less polished than Paystack's. Community support resources (Stack Overflow answers, third-party tutorials) are more limited. Some advanced features like marketplace split payments are not yet available. For West African mobile money corridors in ECOWAS countries, SeerBit's coverage continues to expand. Frequently Asked Questions: How does SeerBit's international rate compare to competitors? SeerBit charges 3.8% for international cards compared to Paystack's 3.9% + ₦100 and Monnify's 4%. For high-value international transactions, SeerBit can be more cost-effective. Can I accept mobile money from Ghana and East Africa with SeerBit? Yes — SeerBit supports MTN MoMo, Airtel Money, and Orange Money in multiple African markets through the same API integration. Does SeerBit support Nigeria-to-Africa cross-border payouts? SeerBit is primarily a collection gateway. For cross-border payouts originating from Nigeria, complementary tools are needed.

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SendByte

SendByte

SendByte is a transactional email API built specifically for African developers and businesses, distinguished from global providers like SendGrid, Mailgun, and Resend by fixed Naira-denominated pricing that doesn't move when the exchange rate does — SendByte absorbs the FX risk itself rather than passing dollar-price volatility on to Nigerian customers. The platform is positioned explicitly as "a Naira-priced Resend for Africa," targeting the gap between expensive dollar-billed global email APIs and local options that are mostly no-code dashboards or narrow OTP-token add-ons rather than full transactional email infrastructure. Infrastructure is hosted in Africa rather than a US region, with API ingestion at the Nigerian edge via Cloudflare (~50ms) rather than routing through Virginia or Europe. This matters for Nigerian fintechs and SaaS platforms with NDPR (Nigeria Data Protection Regulation) obligations, since data residency is built into the core product rather than requiring a separate compliance workaround. The platform advertises AES-256 encryption at rest, TLS 1.2+ in transit, and audit logs on every dashboard action. Domain authentication (SPF, DKIM, and DMARC) is generated and verified automatically rather than left to the developer to configure by hand — SendByte provides the DNS records to add, checks them automatically, and manages per-domain sender reputation with a branded Return-Path. New sending domains go through a warm-up period, with real-time status visible in the dashboard rather than being a black box. Deliverability is measured, not just promised: SendByte runs seed inboxes at the major providers Nigerian users actually use (Gmail, Outlook, Yahoo, iCloud Mail, Zoho Mail) and reports where mail actually lands as a dashboard metric, rather than relying on a generic industry-wide deliverability claim. Every email's full lifecycle — queued, sent, delivered (with the actual SMTP response from the receiving server), opened, clicked, bounced, or complained — is visible as a timeline, with open and click tracking available per project (off by default, so OTP and receipt sends can stay untracked for privacy). The API surface is deliberately small: one POST request to send an email, with sub-100ms API response time since delivery itself happens asynchronously. Every lifecycle event (queued, sent, delivered, opened, clicked, bounced, complained) is delivered as an HMAC-signed, replayable webhook, and every API error follows one consistent shape with a link to its own documentation page. Idempotency keys on the send endpoint mean a request can be safely retried without risk of double-sending. A full-parity sandbox mode (using sk_test_ keys) simulates the entire pipeline — including visible logs — without requiring a verified domain or sending real email, letting a developer send their first test email within minutes of signing up. Official typed SDKs are available for Node.js, Python, PHP, and Go, with a Ruby SDK on the public roadmap; a plain REST API (api.sendbyte.africa/v1) covers every language not directly supported. Documentation is hosted on Mintlify with a full API reference, SDK guides, and step-by-step guides for domain verification, webhooks, and idempotency. Billing is Naira-denominated across every tier and paid via Paystack or Flutterwave on a normal Nigerian card, activating within about a second with no invoices to chase. The free tier (3,000 emails/month, no card required) is enough to fully evaluate the product; paid tiers scale from ₦2,000/month up to ₦200,000/month for 1 million emails/month with a 99.9% uptime SLA, and a pay-as-you-go option (₦300 per 1,000 emails, ₦1,000 minimum top-up, balance never expires) suits low-volume production apps that don't want a monthly commitment. Add-ons (dedicated IPs, extra log retention, a custom tracking domain, an NDPR Data Processing Agreement, and managed IP warm-up) are priced the same fixed-Naira way rather than bundled into opaque enterprise tiers.

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Remita

Remita

Remita is Nigeria's most widely deployed government payment infrastructure platform, operated by SystemSpecs — a Lagos-based technology company founded in 1992. Remita is the payment engine behind the Nigerian Federal Government's Integrated Payroll and Personnel Information System (IPPIS), which processes salaries for over 1.7 million federal civil servants monthly. It is also integrated with the Government Integrated Financial Management Information System (GIFMIS), making Remita the de facto standard for Nigerian government financial transactions. Beyond government, Remita is used by over 100 Nigerian universities for school fees, thousands of corporate organizations for payroll and collections, and millions of individuals for bill payments. The Remita API is RESTful with JSON payloads and uses a multi-layer authentication scheme: OAuth 2.0 Bearer Token combined with a separate API-Key header. Both are required for all API calls. This double authentication layer is by design — given that Remita processes government and institutional transactions that carry higher security requirements than typical commercial gateways. OAuth 2.0 tokens are obtained by authenticating against the Remita token endpoint using merchant credentials. The API-Key is a static key assigned during merchant onboarding. Full API documentation is at api.remita.net. The core Remita Collections product works via a unique concept called the Remita Retrieval Reference (RRR). When an invoice or payment obligation is created via the Remita API, a unique 12-digit RRR code is generated. The payer can then present this RRR at any of Nigeria's 30+ bank branches, ATMs, mobile banking apps, or online banking portals and make the payment. Funds are automatically routed to the merchant's account, and Remita reconciles the transaction in real time. This multi-bank collection capability — where a single reference code is valid at every bank in Nigeria — is Remita's most powerful differentiator. The Collections API is available for all business types. Government-specific integrations (Ministries, Departments, and Agencies — MDAs) connect to Remita's TSA (Treasury Single Account) integration, which automatically sweeps collected funds to the CBN Treasury Single Account as mandated by the Federal Government's 2015 TSA policy. The Agency Banking API enables fintech platforms and banks to build agent banking products — where registered agents (typically airtime kiosks, POS shops, supermarkets) can process financial transactions on behalf of their customers. Remita's agent network spans rural and urban Nigeria. The Vending API provides programmatic access to utility top-ups: airtime and data purchases for all four major Nigerian networks (MTN, Airtel, Glo, 9mobile), electricity unit purchases for EKEDC, IKEDC, AEDC, BEDC, EEDC, JED, KAEDCO, and other NERC-licensed DISCOs, and DStv/GOtv subscription management. This makes Remita a convenient single integration point for platforms offering VAS (Value Added Services) products. The Direct Debit API enables businesses to set up standing debit mandates on customer bank accounts — automatically debiting on a schedule without requiring manual customer action for each transaction. This is used for insurance premium collection, loan repayments, and subscription services. Pricing for Remita is transaction-based and varies by product type (collections, transfers, vending). Unlike some gateways, Remita does not publish a flat public pricing table — rates are agreed during merchant onboarding and depend on volume and business type. Government entities and high-volume enterprises typically negotiate custom rates. The demo/test environment is available at remitademo.net, which mirrors all production functionality. Moving from demo to live requires completing Remita's merchant onboarding, which is more involved than typical payment gateways — reflecting the higher compliance requirements of its government-focused products. From a compliance standpoint, SystemSpecs Ltd (Remita's operator) holds CBN licensing and has SOC 2 Type II certification. Remita is also ISO 27001 certified for information security management. These certifications are required for the government contracts that form Remita's core business. Known challenges: Remita's developer documentation and API design are less modern than Paystack or Flutterwave. The API uses older REST conventions. The multi-layer authentication (OAuth 2.0 + API-Key) requires careful implementation. Merchant onboarding is more bureaucratic than self-service gateways. These trade-offs are acceptable for government and institutional clients where regulatory compliance outweighs developer experience. Frequently Asked Questions: Does Remita only serve government institutions? No — Remita is available to private businesses, educational institutions, and individuals. Government integration is its strongest use case, but any Nigerian business can use Remita for collections, payroll, and VAS. What is an RRR code? A Remita Retrieval Reference (RRR) is a unique 12-digit code generated for each payment obligation. Payers can use this code to pay at any Nigerian bank, ATM, or mobile app — making it ideal for widespread collection from diverse payment sources. Is Remita safe for government revenue? Yes — Remita is SOC 2 and ISO 27001 certified, and is the CBN-approved platform for federal government revenue collection under the Treasury Single Account policy.

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Zone (formerly AppZone)

Zone (formerly AppZone)

Zone (formerly AppZone) is Africa's first CBN-licensed blockchain-based payment switching and processing company, founded by Obi Emetarom and headquartered in Lagos, Nigeria. In 2022, Zone became the first blockchain-powered fintech to receive a Payment Switching and Processing License from the Central Bank of Nigeria — a historically significant milestone that validated blockchain technology as a legitimate payment infrastructure layer under Nigerian regulatory oversight. Zone provides banks, fintechs, and financial service providers with simple APIs for processing a broad range of payment transactions through a decentralized blockchain settlement layer. Unlike traditional payment switches (NIBSS, Interswitch) that rely on centralized clearing databases, Zone's blockchain infrastructure creates an immutable, transparent ledger of every settlement — reducing reconciliation disputes and eliminating the need for a trusted central intermediary between participating institutions. The Zone API enables developers to process: account-to-account fund transfers, ATM card withdrawals, POS (Point of Sale) card payments, merchant web and in-app payments, cash-in/cash-out at agent locations, and cross-border remittances. These are the core transaction types that flow through any payment switch — and Zone's blockchain layer provides transparent audit trails for all of them. Currently, Zone is connected to more than 15 of Africa's largest commercial banks. The company's onboarding model is B2B partnership-driven — typically targeting banks, licensed payment service providers, and institutional fintechs rather than individual developers seeking self-service access. Integration is handled through a technical partnership agreement, which reflects the institutional nature of payment switching infrastructure. Zone raised a $8.5 million seed round in March 2024, backed by investors including Flourish Ventures and Speedinvest, to scale its decentralized payment infrastructure across Nigeria and expand to additional African markets. The company's pre-Zone identity as AppZone gave it over a decade of established relationships with Nigerian commercial banks — making it one of the most deeply connected fintech infrastructure companies in Nigeria. Authentication for Zone's developer APIs uses API Key or OAuth credentials obtained through the Zone developer portal. A sandbox environment is available for testing. Given the institutional nature of the product, developer access is typically preceded by a commercial engagement with the Zone team. From a compliance standpoint, Zone holds the CBN Payment Switching and Processing License — the highest-tier payment infrastructure license in Nigeria. This license covers all transaction types processed through the Zone switch. All participating banks and fintechs must themselves hold appropriate CBN licenses for their respective payment activities. Known challenges: Zone's developer portal and self-service documentation are less accessible than consumer-facing gateways like Paystack. The B2B, institution-first model means individual developers cannot simply sign up and start testing. Additionally, the blockchain infrastructure, while innovative, adds a layer of complexity compared to traditional switches — institutions must understand the settlement model before integration. Frequently Asked Questions: Is Zone's blockchain public or private? Zone operates a permissioned blockchain — only CBN-licensed institutions can participate as nodes. It is not a public blockchain like Ethereum or Bitcoin. Can I use Zone as a regular merchant to accept card payments? Zone is a payment switch, not a merchant payment gateway. It provides infrastructure to banks and fintechs, who then offer payment services to merchants. Contact a Zone-connected bank or fintech for merchant payment solutions. How is Zone different from NIBSS? NIBSS is a centralized clearing system owned by all Nigerian banks. Zone is a decentralized, blockchain-based switch that competes with NIBSS's NIP system — offering an alternative routing path for interbank transfers with blockchain-based settlement transparency.

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Duplo

Duplo

Duplo is an API-first financial operating system for African businesses, providing a unified platform for B2B payments, expense management, virtual accounts, FX transfers, and NRS-compliant e-invoicing. Headquartered in Victoria Island, Lagos, Duplo is CBN PSSP-licensed, PCI DSS certified, ISO 27001 and 22301 certified, and NDPR-compliant. In early 2026, Duplo became one of the first Nigerian companies to secure dual NRS (Nigerian Revenue Service) licences for e-invoicing — a critical milestone as Nigeria moves toward mandatory digital invoicing for tax compliance. What the API Does The Duplo API enables businesses to: issue and manage virtual bank accounts; initiate bulk payments to up to 500 recipients simultaneously; process local and international card payments; perform FX conversions in 80+ currencies across 160+ countries; automate expense approval workflows with budget controls; perform auto-reconciliation of transactions; and generate NRS-compliant e-invoices. The platform is designed as both a business tool and an embeddable API layer for fintechs and platforms. How Developers Use It Developers access documentation at developers.tryduplo.com. Authentication uses API keys with clear environment prefixes: dp_test_ for test mode, dp_live_ for live mode. The API is REST-based with JSON payloads over HTTPS. All API calls must be made over HTTPS. Developers must complete compliance requirements before being granted live mode access. A sandbox environment is available for full testing. Pricing Local card transactions: 1.5% capped at approximately ₦1,200–₦1,300. International card transactions: 3.8%–4.0%. Custom volume tiers available for high-volume international processing. Contact Duplo for enterprise pricing. Authentication API keys are managed via the Duplo Dashboard. Test mode uses dp_test_ prefixed keys; live mode uses dp_live_ prefixed keys. Never share live keys publicly. Compliance CBN PSSP-licensed, PCI DSS, ISO 27001, ISO 22301, NDPR-compliant, and NRS dual-licensed for e-invoicing. Duplo is also expanding into South Africa via a partnership with Ozow for instant EFT payments. Challenges and Gotchas (1) Live mode requires completing compliance requirements — not instant. (2) Rate limits not publicly documented. (3) The NRS e-invoicing feature is relatively new and developers should check docs for current implementation status. (4) Duplo is B2B focused — not designed for high-volume consumer checkout flows. (5) International card fees (3.8–4%) are higher than local card fees. Company Background Duplo was founded in Nigeria by Yele Oyekola and Damola Ajao and is backed by prominent African and global VCs. The company is focused on solving the complexity of B2B financial operations in Africa, where businesses often manage payments through manual bank transfers, spreadsheets, and fragmented tools. Duplo consolidates this into a single API-first platform. FAQs Q: Does Duplo support bulk payments? A: Yes. Duplo supports bulk payments to up to 500 recipients in a single API call. Q: What is the fee for local card payments? A: 1.5% capped at approximately ₦1,200–₦1,300 per transaction. Q: Is there a sandbox? A: Yes. Test mode is available using dp_test_ API keys from your dashboard. Q: Does Duplo support e-invoicing for Nigerian tax compliance? A: Yes. Duplo holds NRS dual licences for NRS-compliant e-invoicing — one of the first Nigerian companies to do so. Q: Can Duplo handle international payments? A: Yes. Duplo supports 80+ currencies across 160+ countries with international card acceptance at 3.8–4.0%. Duplo's NRS-compliant e-invoicing capability supports Nigerian businesses' obligations under the Federal Inland Revenue Service's e-invoicing requirements, allowing platforms to generate and submit compliant electronic invoices as part of the B2B payment workflow rather than as a separate process.

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ComplyCube

ComplyCube

ComplyCube is an ISO-certified cloud-based platform for automated Identity Verification (IDV), Anti-Money Laundering (AML) screening, and Know Your Customer (KYC) compliance workflows. Designed developer-first with a REST API, mobile and web SDKs, no-code integration options, and CRM connectors, ComplyCube enables businesses to build end-to-end identity and compliance workflows without requiring multiple vendor relationships. The platform covers over 220 jurisdictions and supports more than 10,000 document types, making it suitable for both Nigerian-focused deployments and multi-market expansions. Its transparent pricing model — where monthly subscription fees convert into a flexible credit pool usable across any check type, with billing only on successful verifications — makes it an attractive option for startups and growing businesses that want cost predictability. ## What the API Does ComplyCube provides the following core verification products: **Document Verification**: AI-powered analysis of government-issued IDs including Nigerian international passports, NIN slips, voter cards, and driver's licenses. The engine performs OCR extraction, security feature validation, tamper detection, and document template matching against its 10,000+ document library. **Biometric Liveness and Face Match**: Selfie-based face verification against the document photo, with passive and active liveness detection to confirm physical presence and prevent spoofing. **AML & Sanctions Screening**: Real-time and batch screening against OFAC, UN, EU, UK Treasury, and other global sanctions lists, PEP databases, and adverse media sources. Ongoing monitoring flags status changes on previously screened individuals. **KYB (Business Verification)**: Corporate entity verification including registration documents, director identity checks, and UBO structure analysis. ## How Developers Use It ComplyCube offers multiple integration paths: 1. **REST API**: Full programmatic control — create clients, trigger checks, retrieve results, and receive webhook notifications. 2. **Web SDK**: Embed ComplyCube's hosted verification flow in a browser with minimal code. 3. **Mobile SDKs**: iOS and Android SDKs for native in-app document capture and liveness checks. 4. **No-Code / Low-Code**: Pre-built embeddable forms and CRM integrations for teams without dedicated engineering resources. The API follows REST principles with JSON responses. Core flow: create a client object, create a check (specifying which verification type), receive a hosted URL for the end user, collect results via webhook when complete. ## Pricing & Fees ComplyCube's transparent pricing model is one of its key differentiators: - Monthly subscription plans convert to usage credits, flexible across all check types. - **Only billed for successful verifications** — failed attempts are not charged. - **ID Document Verification**: $0.10–$1.50 per check depending on document type and region. - **Biometric Liveness**: $0.25–$2.00 per session. - **AML Screening**: $0.05–$0.80 per search. - Annual billing available at reduced rates. - Volume and committed-use discounts for higher verification volumes. ## Authentication ComplyCube uses API key authentication. The API key is passed as a Bearer token in the `Authorization: Bearer your_api_key` header. Separate keys exist for sandbox and production environments. ## Rate Limits Rate limits are not publicly documented and vary by plan tier. Contact ComplyCube for specific throughput limits. ## Compliance & Regulations ComplyCube holds ISO 27001 certification and is built for GDPR compliance. The platform supports FATF KYC/AML recommendations, EU AMLD5/6, FCA guidance, and applicable AML/CFT regulations globally. For Nigerian deployments, ComplyCube's check capabilities align with CBN Customer Due Diligence regulations. AML coverage includes OFAC, EU, UN, UK Treasury, and global PEP databases. ## Challenges & Gotchas for Nigerian Developers 1. **Credit pool management**: Monthly subscription fees become a credit pool — unused credits expire at the end of the billing period. Plan verification volume carefully to avoid wastage. 2. **Per-check pricing range**: The $0.10–$1.50 document check range varies significantly by document type and region. Confirm Nigeria-specific document check pricing in your plan. 3. **No native BVN verification**: ComplyCube does not directly integrate with NIBSS BVN data. Supplement with a dedicated Nigerian BVN API if required. 4. **USD billing**: ComplyCube charges in USD. Nigerian developers need a USD-capable payment method. 5. **NDPR considerations**: Biometric and identity data processed by ComplyCube falls under NDPR as sensitive personal data. Review the data processing agreement for Nigerian user data handling. ## Company Background ComplyCube is a UK-based company and ISO-certified compliance automation platform. It serves clients across banking, fintech, insurance, crypto, real estate, and gaming. The company is known for its developer-focused documentation, transparent pricing guides, and educational content around KYC API pricing best practices. ## Frequently Asked Questions **Q: Am I charged for failed verifications?** A: No. ComplyCube only charges credits for successfully completed verifications. **Q: Does ComplyCube support Nigerian identity documents?** A: Yes. Nigerian international passports, NIN slips, voter cards, and driver's licenses are covered within ComplyCube's 10,000+ document library across 220+ jurisdictions. **Q: Can I test ComplyCube without paying?** A: Yes. ComplyCube provides a sandbox environment accessible after account registration for integration testing. **Q: Is there a no-code option for non-technical teams?** A: Yes. ComplyCube offers embeddable forms and CRM integration options that do not require API programming knowledge.

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Monica Blockchain APIs

Monica Blockchain APIs

Monica provides blockchain node access and payment infrastructure for African fintech companies. The platform is new in 2025/2026 bringing institutional-grade blockchain APIs to African developers. Monica is building the future of blockchain infrastructure for Africa. The service directly supports African blockchain adoption.

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RoutePay Fintech

RoutePay Fintech

RoutePay Fintech Limited is a Nigerian payment technology company that received its Full Operating Licence from the Central Bank of Nigeria (CBN) as a Payment Solution Service Provider (PSSP) on January 12, 2023 — making it one of the newer entrants to Nigeria's regulated payment gateway space. The company is also certified by the Nigerian Communications Commission (NCC) for Value-Added Services, giving it a dual regulatory standing that covers both financial payments and telecoms-adjacent services like airtime and data transactions. Headquartered in Victoria Island, Lagos (Africa Re House, Plot 1679 Karimu Kotun Street), RoutePay operates under the leadership of CEO Abayomi Olomu and Group Managing Director Femi Adeoti (former MD of Inlaks). The company is registered as RoutePay Fintech Limited (RC 1872221) and uniquely owns a licensed microfinance bank subsidiary — Routelink Microfinance Bank Limited (RC 8836108) — enabling it to offer embedded merchant credit alongside payment processing, a rare combination in Nigeria's payment gateway landscape. **Omnichannel Payment Infrastructure** RoutePay is built as a truly omnichannel payment platform — not just an online gateway, but a complete payments infrastructure that covers every channel Nigerian consumers and businesses transact on: - **Web**: Browser-based checkout integration for e-commerce and business websites - **Mobile**: SDK and API integration for iOS and Android apps - **POS**: Physical terminal support for retail and hospitality merchants - **ATM**: ATM payment routing for cash-based and card-based transactions - **USSD**: Short code-based payment acceptance for feature phone users and financial inclusion scenarios This breadth of channels makes RoutePay particularly valuable for businesses that operate across both digital and physical environments, or for government institutions that need to serve citizens regardless of smartphone availability. **Core Payment Features** RoutePay supports card payments (debit and credit — Visa, Mastercard, Verve), direct bank transfers, USSD codes, QR code payments, and payment link generation. The payment link feature is specifically designed for social media sellers and informal businesses that take orders via WhatsApp, Instagram, or phone — allowing them to collect payments without a dedicated website. **Bill Payments API** Beyond payment acceptance, RoutePay provides a bill payments module covering: airtime top-up for all Nigerian mobile networks (MTN, Airtel, Glo, 9mobile), mobile data purchases, DSTV/GOtv/Startimes cable TV subscription renewals, and PHCN/DISCOs electricity prepaid token purchases. This module enables developers to build super-apps and lifestyle platforms with embedded utility payment capabilities. **Merchant Micro-loans via Routelink MFB** One of RoutePay's most distinctive features is its integration with Routelink Microfinance Bank. Merchants who process payments through RoutePay become eligible for micro-loans whose terms are informed by their transaction history and payment volumes on the platform. This provides Nigerian SMEs with access to working capital financing without the collateral requirements and bureaucratic overhead of traditional bank loans — the loan eligibility is earned through demonstrated business activity rather than pre-existing credit history. **Government & Institutional Payments** RoutePay explicitly targets government and public sector clients, enabling tax collection, licensing fee payment, regulatory fee submission, and institutional disbursements. The USSD channel support is particularly valuable here — it allows citizens in areas with limited internet access to make payments to government agencies using any mobile phone. **Security Architecture** RoutePay implements bank-grade AES encryption across all transactions, combined with two-factor authentication (2FA) for account access and a real-time fraud monitoring system. Auto-reversal protocols ensure that failed transactions are automatically reversed without manual intervention. The platform also offers account freeze capability for security incidents. **Tiered KYC System** RoutePay implements a Tier 1 / Tier 2 / Tier 3 KYC model for individual users, consistent with CBN's tiered KYC framework for digital financial services. Higher tiers unlock larger transaction limits — Tier 1 requires minimal information (BVN linkage), while Tier 2 and Tier 3 require progressively more documentation (government ID, address proof, enhanced verification). This tiered approach enables financial inclusion while managing regulatory compliance. **Authentication & API Access** RoutePay provides API access for developers through its developer portal. API credentials are issued after completing merchant KYC/onboarding. The API follows REST conventions with JSON request/response formats. For developer documentation and API access, developers can visit routepay.com/developers or contact sales@routepay.com. **Pricing** RoutePay charges no monthly maintenance fees. Transaction fees are per-transaction at industry-standard rates, with full transparency on charges — no hidden fees. Specific fee percentages are provided during merchant onboarding rather than published on the website. Micro-loan terms are governed separately by Routelink MFB's lending policies. **Challenges for Nigerian Developers** RoutePay's public developer documentation is less detailed than market leaders like Paystack or Flutterwave, and specific API specifications, authentication details, and rate limits are not publicly documented — requiring developer outreach to access. Recurring/subscription billing is not a documented product feature. For businesses that primarily need a straightforward online payment gateway with comprehensive public documentation, larger platforms may offer a smoother developer experience. **Frequently Asked Questions** Q: Is RoutePay licensed by the CBN? A: Yes. RoutePay holds a CBN PSSP Full Operating Licence granted January 12, 2023. Q: Does RoutePay support USSD payments? A: Yes — USSD is one of RoutePay's five supported payment channels, enabling payments from any Nigerian mobile phone. Q: What makes RoutePay unique compared to Paystack or Flutterwave? A: RoutePay's key differentiators are its omnichannel coverage (including ATM and USSD), its institutional/government payment capabilities, and its embedded micro-loan product through Routelink MFB. Q: Can my business get a loan through RoutePay? A: Merchants processing payments on RoutePay become eligible for micro-loans from Routelink MFB — eligibility and terms are based on transaction volume and history on the platform. Q: Does RoutePay have a sandbox for testing? A: Contact RoutePay's developer team at routepay.com/developers or sales@routepay.com for sandbox access details.

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Bloc

Bloc

Bloc is a Nigerian Banking-as-a-Service (BaaS) API platform that lets developers embed financial services directly into their products. Its banking infrastructure is provided through Bloc Microfinance Bank (Bloc MFB, CBN Licence No. FPR/LAD/CON/MFB/010/066, RC No. 7187722), a proprietary bank subsidiary rather than a third-party partnership — virtual account numbers issued through Bloc are native Bloc MFB account numbers, NDIC-insured up to ₦5 million. As of this review, Bloc's original developer-facing API portal (blochq.io) shows a "Launching Soon" placeholder rather than live product content, while Bloc MFB's direct banking site (blocmfb.com) is fully live, offering business accounts, supply chain financing, payroll disbursement, and payment collection directly to Nigerian businesses. This suggests the company's public-facing focus has shifted toward direct business/personal banking under the Bloc MFB brand; the standalone "embed Bloc's rails via API" product that this catalog entry originally described may be in transition, being rebuilt, or accessible only through direct sales contact rather than public self-serve signup. Developers interested in Bloc's API infrastructure should confirm current availability directly with the company before building on it. What the API previously offered (per Bloc's own documentation): four core products — Virtual Accounts (issuing NDIC-insured account numbers programmatically), Transfers (NIP transfers to any Nigerian bank), Bills Payment (airtime, data, electricity, cable TV, with a developer commission model), and Collections. Two virtual account types were supported: Fixed Accounts (persistent balance, can initiate transfers) and Collection Accounts (receive-only, for payment tracking). Authentication used a Secret Key from the Bloc Dashboard passed in request headers. Bloc MFB's current live business banking product (accessible directly, not via API) covers: NUBAN business accounts working across all Nigerian banks, vendor/supplier payments via NIP, bulk payroll disbursement, real-time transaction alerts, downloadable statements, multi-user role-based access, and supply chain financing (invoice financing, purchase order financing, supplier payment financing, working capital facilities). Security includes TLS 1.3 encryption, PIN authentication with device binding, and real-time fraud monitoring.

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VelvPay

VelvPay

VelvPay is a Nigerian payment gateway built specifically for local businesses, freelancers, SMEs, and startups that need an affordable, easy-to-integrate payment solution without the complexity or pricing overhead of larger platforms. Positioned as "a rising star" in Nigeria's fintech ecosystem, VelvPay differentiates itself through transparent flat-rate pricing, same-day settlement, built-in invoicing tools, and a local-first approach to customer support that understands the specific needs of Nigerian merchants. **What VelvPay Does** VelvPay provides a multi-channel payment acceptance platform that covers web checkout, mobile app payments, and in-person transactions. At its core, the platform allows Nigerian businesses to accept card payments (Visa, Mastercard, Verve) and bank transfers from customers, with settlement directly to the merchant's Nigerian bank account. The platform is accessible both through a developer API for technical integrations and through a merchant dashboard with no-code tools for non-technical users. **Pricing — 1% Local Transactions** VelvPay charges 1% per local NGN transaction — one of the more competitive rates in the Nigerian payment gateway market. There are no hidden charges on top of this fee. For international transactions, VelvPay applies a flexible fee structure (specific rates are provided during merchant onboarding). No publicly advertised monthly subscription fee is required, making it a low-risk choice for businesses with variable or seasonal transaction volumes. For context, this 1% flat fee compares favorably to other Nigerian gateways that charge 1.5%–2.5% per transaction — a meaningful cost difference at scale, particularly for businesses processing high volumes of low-to-mid-value transactions. **Same-Day Settlement** VelvPay offers same-day settlement, which means payments collected on a given business day are available in the merchant's bank account on the same day (subject to cut-off times). This is a significant advantage for cash-flow-sensitive small businesses and freelancers who cannot afford to wait 1–3 days for funds to clear. **Invoicing Tools** Unlike most payment gateways that focus purely on API integrations, VelvPay includes built-in invoicing tools in the merchant dashboard. Businesses can create professional invoices with a payment link embedded directly — the client clicks "Pay Now" and completes the payment via card or bank transfer. This makes VelvPay accessible to freelancers, consultants, and service businesses that don't have a website or e-commerce store. **API & Developer Tools** VelvPay provides a REST API for developers who need to integrate payment acceptance into websites, mobile apps, or backend systems. API keys are issued after completing merchant onboarding. The API follows standard patterns with JSON request/response formats and webhook notifications for payment lifecycle events (payment initiated, payment successful, payment failed). Documentation is available through the VelvPay developer portal. **Multi-channel Payment Acceptance** VelvPay supports three primary payment channels: - **Web checkout**: A hosted payment page or embeddable checkout widget for websites and web apps - **Mobile**: SDK/API integration for iOS and Android mobile applications - **In-person**: Payment acceptance at physical locations for retail, market vendors, and hospitality businesses **Nigeria Focus & Support** VelvPay is built exclusively for the Nigerian market. Customer support is local and understands the operational reality of Nigerian businesses — from intermittent banking system downtimes to the preferences of Nigerian consumers for specific payment methods. This localization is a meaningful advantage for businesses that find the support teams of international platforms less responsive to Nigeria-specific issues. **Compliance** VelvPay operates within Nigeria's CBN regulatory framework for payment service providers. Merchant onboarding includes standard Nigerian KYC requirements (CAC registration, director ID, business bank account) to comply with CBN anti-money laundering directives. **Challenges & Limitations** VelvPay is smaller than market leaders Paystack and Flutterwave, which means its ecosystem of plugins, third-party integrations, and developer community resources is less extensive. Recurring/subscription billing and bulk payout APIs are not documented as current product features. USSD payments and split payment capabilities are also absent. For businesses that need deep payment infrastructure (marketplace payment splitting, cross-border payouts, card issuance), a larger platform may be more appropriate. However, for straightforward payment collection and invoicing in Nigeria, VelvPay's simplicity and pricing are competitive advantages. **Frequently Asked Questions** Q: What is the transaction fee on VelvPay? A: 1% per local NGN transaction with no hidden charges. International transaction fees are flexible — contact VelvPay for current rates. Q: Does VelvPay offer same-day settlement? A: Yes. Payments collected are typically settled to the merchant's bank account the same business day. Q: Do I need a CAC-registered business to use VelvPay? A: A CAC registration is required for production merchant access. Test/sandbox credentials can be obtained for development testing before completing KYC. Q: Does VelvPay support recurring billing? A: Recurring/subscription billing is not a documented current feature — use Paystack or SPay if you need automated recurring charges. Q: Is VelvPay available outside Nigeria? A: VelvPay is designed for the Nigerian market. Non-Nigerian businesses should explore international gateway options.

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Interswitch

Interswitch

Interswitch Group is Nigeria's pioneering payment infrastructure company and the creator of the Verve card network — the most widely used debit card in Nigeria with over 35 million cardholders. Founded in 2002 and listed on the Nigerian Stock Exchange, Interswitch owns and operates Nigeria's core payment switching infrastructure, connecting virtually all Nigerian banks. The company provides developer access to its infrastructure through the Interswitch Developer Center and the Quickteller Business platform. What the API Does The Interswitch API ecosystem covers multiple products: (1) Quickteller SVA — access to 3,000+ billers for airtime vending, utility payments, and transfers to all Nigerian banks and selected African mobile wallets; (2) Quickteller Business — a comprehensive payment gateway for card acceptance, USSD, QR, hosted fields, and mobile SDKs; (3) Virtual Accounts — for NGN collections via dedicated account numbers; (4) NIP Instant Transfers — for bank-to-bank transfers across the Nigerian banking system. How Developers Use It Developers sign up at docs.interswitchgroup.com, create an app in the developer console, and obtain a Client ID and Secret Key for OAuth 2.0 authentication. The API uses standard OAuth 2.0 authorization to generate access tokens. A sandbox environment is available for testing with test credentials. Integration options include REST API, hosted fields (for PCI-compliant card capture), web gateway, and mobile SDKs. Pricing Integration is free — no setup or monthly fees. Local transactions (cards, USSD, QR): 1.5% capped at ₦2,000. 7.5% VAT applies to all transaction fees. Volume-based custom pricing available for high-volume merchants — contact sales. Authentication OAuth 2.0 using Client ID and Secret Key from the developer console. Access tokens are generated and included in API request headers. Token expiry and refresh are managed per OAuth 2.0 standards. Compliance Interswitch is CBN-licensed, PCIDSS certified, and regulated as a switching and processing company under Nigerian financial regulations. As an NSE-listed company it is subject to SEC and public disclosure requirements. Challenges and Gotchas (1) OAuth 2.0 is more complex to implement than simple Bearer token APIs — requires proper token management. (2) Quickteller SVA and Quickteller Business are separate products with different documentation. (3) Settlement takes up to 48 hours — not instant. (4) Verve card processing is Interswitch's core strength; for international card processing, competitors like Paystack may offer better rates. Company Background Interswitch was founded in 2002 by Mitchell Elegbe in Lagos. The company processes hundreds of millions of transactions monthly and serves over 40,000 merchants across Nigeria. Interswitch is valued at over $1 billion, making it one of Africa's fintech unicorns. Products include Verve, Quickteller, Paydirect, and eClat. FAQs Q: What is the fee for local card transactions? A: 1.5% capped at ₦2,000, plus 7.5% VAT on the fee. Q: Does Interswitch support 3,000+ billers? A: Yes. Quickteller SVA gives access to airtime, utilities, and thousands of Nigerian billers. Q: What authentication does Interswitch use? A: OAuth 2.0. You get a Client ID and Secret Key from the developer console to generate access tokens. Q: Is there a sandbox? A: Yes. Available at docs.interswitchgroup.com with test credentials. Interswitch's Verve card network — with over 40 million active cards issued by virtually every Nigerian bank — is one of the most important domestic payment assets in the country. Merchants and platforms integrated with Interswitch gain acceptance of Verve cards, which are the primary debit cards for millions of Nigerian bank customers who may not have international Visa or Mastercard credentials. For consumer-facing Nigerian businesses where Verve card acceptance determines accessibility to a large portion of the Nigerian banked population, Interswitch integration is often essential rather than optional. The NIP (NIBSS Instant Payment) switch that Interswitch helps power enables instant settlement between banks across Nigeria, with transactions completing within seconds rather than the 24-hour windows of older payment systems. For Nigerian businesses where payment confirmation delays affect operational workflows — logistics companies confirming payment before dispatch, service providers starting work after payment, retailers managing inventory allocation — NIP instant payment confirmation through Interswitch's infrastructure removes settlement uncertainty from business operations. Interswitch's three-plus decades of operation in Nigeria represent institutional knowledge of Nigerian payment infrastructure that newer entrants cannot match. The company has navigated multiple CBN regulatory cycles, multiple technology infrastructure shifts, and the evolution of Nigerian consumer payment behavior from cash to cards to mobile. For Nigerian enterprises selecting long-term payment infrastructure partners, this institutional longevity and demonstrated resilience is a meaningful factor in vendor selection.

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National Assembly Open Data API

National Assembly Open Data API

Legislative data API providing access to bills, senate members, house representatives, committees, and parliamentary proceedings. Enables tracking of bills from first reading to presidential assent with real-time legislative information.

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ErcasPay

ErcasPay

ErcasPay is a CBN PSSP-licensed, PCI DSS-certified, and NDPA-compliant multicurrency payment gateway built specifically for Nigerian businesses. The platform supports 8 currencies — NGN, USD, GBP, EUR, CAD, GHS, GMD, and KES — enabling Nigerian merchants to accept both local and international payments through a single API integration. ErcasPay processes transactions from 5,000+ businesses and has offices in Lagos, Abuja, and Ibadan. What the API Does The ErcasPay REST API enables developers to: initiate and process local card payments (Verve, Visa, Mastercard), bank transfers, USSD, and QR code payments; accept international card payments in 7 foreign currencies; issue and manage virtual account numbers for NGN collections; generate payment links; and create invoices. The API uses separate sandbox and live environments with distinct base URLs. How Developers Use It Developers create an account at ercaspay.com, obtain API keys from the dashboard under developer settings, and integrate using the documentation at docs.ercaspay.com. Authentication uses Bearer tokens with secret keys prefixed ECRS-TEST-SK (sandbox) and ECRS-LIVE-SK (live). Sandbox base URL: api-staging.ercaspay.com/api/v1. Live base URL: api.ercaspay.com/api/v1. All requests require Accept: application/json and Content-Type: application/json headers. Pricing Local transactions (cards, bank transfer, QR, USSD): 1.4% per transaction, capped at ₦2,000. International card transactions: 4.8% per transaction. International payments first settle to a USD wallet; conversion to NGN is triggered from there. A 10% rolling reserve is applied on international card transactions, held for 180 days — refundable if no chargebacks occur. No monthly subscription fee. Authentication Bearer token authentication. Secret key placed in the Authorization header as "Bearer {SECRET_KEY}". Separate keys for test and live modes. Keys managed from the ErcasPay Dashboard. Compliance CBN PSSP-licensed, PCI DSS certified, and compliant with the Nigeria Data Protection Act (NDPA). Multi-location presence in Lagos, Abuja, and Ibadan. Challenges and Gotchas (1) 10% rolling reserve on international card transactions held 180 days can be a significant cash flow constraint for new merchants. (2) International payments do not settle directly in NGN — they go to a USD wallet first. (3) No recurring billing or split payment support currently. (4) Rate limits not publicly documented — confirm with ErcasPay before high-volume implementations. Company Background ErcasPay is operated by ErcasPay Nigeria Limited, headquartered in Lagos with offices in Abuja and Ibadan. The company targets Nigerian businesses of all sizes needing a reliable, multi-currency alternative payment gateway. FAQs Q: What is the fee for local card payments? A: 1.4% capped at ₦2,000 per transaction. Q: Does ErcasPay support USSD payments? A: Yes. USSD is supported at the same 1.4% (capped ₦2,000) local rate. Q: What currencies can I accept through ErcasPay? A: NGN, USD, GBP, EUR, CAD, GHS, GMD, and KES — 8 currencies total. Q: Is there a sandbox? A: Yes. Sandbox at api-staging.ercaspay.com/api/v1 using ECRS-TEST-SK keys. Q: What is the rolling reserve? A: A 10% hold on international card transaction amounts, retained for 180 days. It is refunded in full if no chargebacks are filed during that period. ErcasPay's multi-currency acceptance — NGN plus USD, GBP, EUR, CAD, and additional international currencies — enables Nigerian merchants to accept payments from both domestic customers paying in naira and international customers paying in their home currency. This dual-currency capability in a single gateway integration eliminates the need for separate domestic and international payment gateway relationships, reducing integration complexity and ongoing vendor management for Nigerian businesses serving both local and global customer segments. PCI DSS certification at ErcasPay ensures that card data handling meets international security standards, protecting Nigerian merchants from the liability and reputational risk of card data breaches. For Nigerian SMEs that lack the resources to implement independent PCI compliance infrastructure, using a certified gateway like ErcasPay allows them to accept card payments within a compliant infrastructure environment without bearing the cost and complexity of independent certification.