16 Best APIs for Sandbox Environment in Nigeria
We've analyzed and compared the top 16 API providers supporting Sandbox Environment 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 Sandbox Environment
VTpass API
- Pricing
- Free for testing in sandbox. Production: commission-based per transaction (varies by service: airtime 2-5%, data 3-7%, electricity 2-4%, cable 2-3%).
- Airtime Top-up
- Available
- Data Bundle Purchase
- Available
- Multi-Network Support
- Available
- Electricity Bills
- Available
- Cable TV Subscription
- Available
- Internet Services
- Available
- Betting Services
- Available
- Education Services
- Available
- Insurance Payments
- Available
- Instant Settlement
- Available
- Webhooks
- Available
- Sandbox Environment
- Available
- Bulk Processing
- Available
- Transaction History
- Available
- Real-time Balance
- Available
- API Documentation
- Available
- Developer Support
- Available
- Status Notification
- Available
- Multiple Payment Methods
- Available
- Fraud Detection
- Available
- BVN Resolution
- Not available
- Bank Account Verification
- Not available
- Card BIN Resolution
- Not available
- NIN Verification
- Not available
- Passport Verification
- Not available
- Driver's Licence Verification
- Not available
- Liveness Detection
- Not available
- Business (CAC) Verification
- Not available
- Market Data (Public)
- Not available
- Spot Trading
- Not available
- Advanced Order Types
- Not available
- WebSocket Price Streams
- Not available
- Portfolio Management
- Not available
- OAuth for User Apps
- Not available
- Nigeria Account Creation
- Not available
- NGN Deposits
- Not available
- Nigerian Bank Withdrawals
- Not available
- Futures Trading
- Not available
- Margin Trading
- Not available
- WebSocket Streams
- Not available
- P2P NGN Trading
- Not available
- Order Management
- Not available
- Account & Balance API
- Not available
- 700+ Trading Pairs
- Not available
- Crypto Payment Acceptance
- Not available
- NGN Settlement
- Not available
- Payment Link Generation
- Not available
- Webhook Notifications
- Not available
- Exchange Rate API
- Not available
- BTC/ETH/USDT Support
- Not available
- Nigerian Naira Integration
- Not available
- Invoice Generation
- Not available
- Derivatives Trading
- Not available
- WebSocket Market Streams
- Not available
- CRO Staking Data
- Not available
- NFT Marketplace API
- Not available
- Cronos Chain Integration
- Not available
- Account Management
- Not available
- FIX Protocol (Institutional)
- Not available
- Payment Processing
- Not available
- Card Payments
- Not available
- Bank Transfer
- Not available
- Mobile Money
- Not available
- USSD Payments
- Not available
- Cross-border Transfers
- Not available
- Multi-currency
- Not available
- Virtual Cards
- Not available
- Payouts
- Not available
- Wallet Services
- Not available
- SDK Support
- Not available
- Real-time Reporting
- Not available
- KYC Integration
- Not available
- Cryptocurrency Trading
- Not available
- Buy Bitcoin
- Not available
- Buy Ethereum
- Not available
- Buy Ripple
- Not available
- Sell Crypto
- Not available
- Multi-currency Wallets
- Not available
- Market Data
- Not available
- Price Information
- Not available
- Deposit/Withdraw
- Not available
- Bank Transfers
- Not available
- Real-time Quotes
- Not available
- Authentication
- Not available
- Security Features
- Not available
- Crypto-to-NGN Auto Settlement
- Not available
- Stablecoin Acceptance (USDT/USDC)
- Not available
- Bitcoin & Ethereum Acceptance
- Not available
- Unique Deposit Address Per Customer
- Not available
- Wallet Balance Management
- Not available
- Ghana (GHS) Settlement
- Not available
- Developer Markup (Revenue Share)
- Not available
- NGN On-Ramp (Buy Crypto)
- Not available
- International Bank Wire
- Not available
- In-person POS
- Not available
- Invoicing
- Not available
- Inventory Management
- Not available
- Subscriptions
- Not available
- Loyalty Programs
- Not available
- Employee Management
- Not available
- NGN Support
- Not available
- Bill Payments API (SwitchIT)
- Not available
- Virtual Account Service
- Not available
- Instant Transfer
- Not available
- Wallet-as-a-Service (WaaS)
- Not available
- e-Invoicing API
- Not available
- Loan Mandate & Repayment (AntPeer)
- Not available
- IMTO Cross-Border Remittance
- Not available
- ePAPSS Pan-African Payments
- Not available
- Consumer Checkout Widget
- Not available
- Crypto Payments
- Not available
- Free Tier
- Not available
- Wallet Balance & Transactions
- Not available
- QR Code Payments
- Not available
- Virtual Account Generation
- Not available
- Merchant Onboarding API
- Not available
- Payment Links & Checkout
- Not available
- POS Terminal Support
- Not available
- International Transfers
- Not available
- Card Issuance
- Not available
- Bank Transfer Checkout
- Not available
- Virtual Accounts (Multi-Currency)
- Not available
- Direct Debit / Recurring
- Not available
- M-Pesa / Mobile Money
- Not available
- PayAttitude
- Not available
- Cross-Border Payments
- Not available
- Multi-currency Account (USD, GBP, EUR, 20+)
- Not available
- International Bank Transfers
- Not available
- NGN Payout to Nigerian Banks
- Not available
- FX Conversion API
- Not available
- Card Payment Collection
- Not available
- Bank Transfer Collection
- Not available
- Payment Links
- Not available
- Webhook Events
- Not available
- Bulk Payouts
- Not available
- NGN Local Collection (Accept NGN from Nigerian customers)
- Not available
- Individual/Freelancer Accounts (no CAC)
- Not available
- State Data
- Not available
- LGA Data
- Not available
- Local Council Data
- Not available
- Demographic Data
- Not available
- REST API
- Not available
- Single Bank Transfers (NIP)
- Not available
- Bulk Bank Transfers
- Not available
- Dynamic Virtual Accounts
- Not available
- Single-use Account Numbers
- Not available
- Account Balance Check
- Not available
- Account Verification
- Not available
- Airtime Purchase API
- Not available
- Data Bundle Purchase API
- Not available
- Electricity / Cable TV Bill Payment
- Not available
- Webhook Event Notifications
- Not available
- Card Payment Acceptance
- Not available
- International SWIFT Transfers
- Not available
- Multi-currency Accounts
- Not available
- USSD Payment Integration
- Not available
Fincra Identity
- Pricing
- Identity verification features are included in the Fincra API. Pricing is custom based on volume and product needs — contact Fincra sales.
- 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
- 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
- BVN Resolution
- Available
- Bank Account Verification
- Available
- Card BIN Resolution
- Available
- NIN Verification
- Not available
- Passport Verification
- Not available
- Driver's Licence Verification
- Not available
- Liveness Detection
- Not available
- Business (CAC) Verification
- Not available
- Market Data (Public)
- Not available
- Spot Trading
- Not available
- Advanced Order Types
- Not available
- WebSocket Price Streams
- Not available
- Portfolio Management
- Not available
- OAuth for User Apps
- Not available
- Nigeria Account Creation
- Not available
- NGN Deposits
- Not available
- Nigerian Bank Withdrawals
- Not available
- Futures Trading
- Not available
- Margin Trading
- Not available
- WebSocket Streams
- Not available
- P2P NGN Trading
- Not available
- Order Management
- Not available
- Account & Balance API
- Not available
- 700+ Trading Pairs
- Not available
- Crypto Payment Acceptance
- Not available
- NGN Settlement
- Not available
- Payment Link Generation
- Not available
- Webhook Notifications
- Not available
- Exchange Rate API
- Not available
- BTC/ETH/USDT Support
- Not available
- Nigerian Naira Integration
- Not available
- Invoice Generation
- Not available
- Derivatives Trading
- Not available
- WebSocket Market Streams
- Not available
- CRO Staking Data
- Not available
- NFT Marketplace API
- Not available
- Cronos Chain Integration
- Not available
- Account Management
- Not available
- FIX Protocol (Institutional)
- Not available
- Payment Processing
- Not available
- Card Payments
- Not available
- Bank Transfer
- Not available
- Mobile Money
- Not available
- USSD Payments
- Not available
- Cross-border Transfers
- Not available
- Multi-currency
- Not available
- Virtual Cards
- Not available
- Payouts
- Not available
- Wallet Services
- Not available
- SDK Support
- Not available
- Real-time Reporting
- Not available
- KYC Integration
- Not available
- Cryptocurrency Trading
- Not available
- Buy Bitcoin
- Not available
- Buy Ethereum
- Not available
- Buy Ripple
- Not available
- Sell Crypto
- Not available
- Multi-currency Wallets
- Not available
- Market Data
- Not available
- Price Information
- Not available
- Deposit/Withdraw
- Not available
- Bank Transfers
- Not available
- Real-time Quotes
- Not available
- Authentication
- Not available
- Security Features
- Not available
- Crypto-to-NGN Auto Settlement
- Not available
- Stablecoin Acceptance (USDT/USDC)
- Not available
- Bitcoin & Ethereum Acceptance
- Not available
- Unique Deposit Address Per Customer
- Not available
- Wallet Balance Management
- Not available
- Ghana (GHS) Settlement
- Not available
- Developer Markup (Revenue Share)
- Not available
- NGN On-Ramp (Buy Crypto)
- Not available
- International Bank Wire
- Not available
- In-person POS
- Not available
- Invoicing
- Not available
- Inventory Management
- Not available
- Subscriptions
- Not available
- Loyalty Programs
- Not available
- Employee Management
- Not available
- NGN Support
- Not available
- Bill Payments API (SwitchIT)
- Not available
- Virtual Account Service
- Not available
- Instant Transfer
- Not available
- Wallet-as-a-Service (WaaS)
- Not available
- e-Invoicing API
- Not available
- Loan Mandate & Repayment (AntPeer)
- Not available
- IMTO Cross-Border Remittance
- Not available
- ePAPSS Pan-African Payments
- Not available
- Consumer Checkout Widget
- Not available
- Crypto Payments
- Not available
- Free Tier
- Not available
- Wallet Balance & Transactions
- Not available
- QR Code Payments
- Not available
- Virtual Account Generation
- Not available
- Merchant Onboarding API
- Not available
- Payment Links & Checkout
- Not available
- POS Terminal Support
- Not available
- International Transfers
- Not available
- Card Issuance
- Not available
- Bank Transfer Checkout
- Not available
- Virtual Accounts (Multi-Currency)
- Not available
- Direct Debit / Recurring
- Not available
- M-Pesa / Mobile Money
- Not available
- PayAttitude
- Not available
- Cross-Border Payments
- Not available
- Multi-currency Account (USD, GBP, EUR, 20+)
- Not available
- International Bank Transfers
- Not available
- NGN Payout to Nigerian Banks
- Not available
- FX Conversion API
- Not available
- Card Payment Collection
- Not available
- Bank Transfer Collection
- Not available
- Payment Links
- Not available
- Webhook Events
- Not available
- Bulk Payouts
- Not available
- NGN Local Collection (Accept NGN from Nigerian customers)
- Not available
- Individual/Freelancer Accounts (no CAC)
- Not available
- State Data
- Not available
- LGA Data
- Not available
- Local Council Data
- Not available
- Demographic Data
- Not available
- REST API
- Not available
- Single Bank Transfers (NIP)
- Not available
- Bulk Bank Transfers
- Not available
- Dynamic Virtual Accounts
- Not available
- Single-use Account Numbers
- Not available
- Account Balance Check
- Not available
- Account Verification
- Not available
- Airtime Purchase API
- Not available
- Data Bundle Purchase API
- Not available
- Electricity / Cable TV Bill Payment
- Not available
- Webhook Event Notifications
- Not available
- Card Payment Acceptance
- Not available
- International SWIFT Transfers
- Not available
- Multi-currency Accounts
- Not available
- USSD Payment Integration
- Not available
Coinbase Advanced Trade API
- Pricing
- Free API access. Trading fees apply per trade (0.00%–0.60% maker/taker depending on volume tier). No subscription cost for API.
- 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
- 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
- BVN Resolution
- Not available
- Bank Account Verification
- Not available
- Card BIN Resolution
- Not available
- NIN Verification
- Not available
- Passport Verification
- Not available
- Driver's Licence Verification
- Not available
- Liveness Detection
- Not available
- Business (CAC) Verification
- Not available
- Market Data (Public)
- Available
- Spot Trading
- Available
- Advanced Order Types
- Available
- WebSocket Price Streams
- Available
- Portfolio Management
- Available
- OAuth for User Apps
- Available
- Nigeria Account Creation
- Not available
- NGN Deposits
- Not available
- Nigerian Bank Withdrawals
- Not available
- Futures Trading
- Not available
- Margin Trading
- Not available
- WebSocket Streams
- Not available
- P2P NGN Trading
- Not available
- Order Management
- Not available
- Account & Balance API
- Not available
- 700+ Trading Pairs
- Not available
- Crypto Payment Acceptance
- Not available
- NGN Settlement
- Not available
- Payment Link Generation
- Not available
- Webhook Notifications
- Not available
- Exchange Rate API
- Not available
- BTC/ETH/USDT Support
- Not available
- Nigerian Naira Integration
- Not available
- Invoice Generation
- Not available
- Derivatives Trading
- Not available
- WebSocket Market Streams
- Not available
- CRO Staking Data
- Not available
- NFT Marketplace API
- Not available
- Cronos Chain Integration
- Not available
- Account Management
- Not available
- FIX Protocol (Institutional)
- Not available
- Payment Processing
- Not available
- Card Payments
- Not available
- Bank Transfer
- Not available
- Mobile Money
- Not available
- USSD Payments
- Not available
- Cross-border Transfers
- Not available
- Multi-currency
- Not available
- Virtual Cards
- Not available
- Payouts
- Not available
- Wallet Services
- Not available
- SDK Support
- Not available
- Real-time Reporting
- Not available
- KYC Integration
- Not available
- Cryptocurrency Trading
- Not available
- Buy Bitcoin
- Not available
- Buy Ethereum
- Not available
- Buy Ripple
- Not available
- Sell Crypto
- Not available
- Multi-currency Wallets
- Not available
- Market Data
- Not available
- Price Information
- Not available
- Deposit/Withdraw
- Not available
- Bank Transfers
- Not available
- Real-time Quotes
- Not available
- Authentication
- Not available
- Security Features
- Not available
- Crypto-to-NGN Auto Settlement
- Not available
- Stablecoin Acceptance (USDT/USDC)
- Not available
- Bitcoin & Ethereum Acceptance
- Not available
- Unique Deposit Address Per Customer
- Not available
- Wallet Balance Management
- Not available
- Ghana (GHS) Settlement
- Not available
- Developer Markup (Revenue Share)
- Not available
- NGN On-Ramp (Buy Crypto)
- Not available
- International Bank Wire
- Not available
- In-person POS
- Not available
- Invoicing
- Not available
- Inventory Management
- Not available
- Subscriptions
- Not available
- Loyalty Programs
- Not available
- Employee Management
- Not available
- NGN Support
- Not available
- Bill Payments API (SwitchIT)
- Not available
- Virtual Account Service
- Not available
- Instant Transfer
- Not available
- Wallet-as-a-Service (WaaS)
- Not available
- e-Invoicing API
- Not available
- Loan Mandate & Repayment (AntPeer)
- Not available
- IMTO Cross-Border Remittance
- Not available
- ePAPSS Pan-African Payments
- Not available
- Consumer Checkout Widget
- Not available
- Crypto Payments
- Not available
- Free Tier
- Not available
- Wallet Balance & Transactions
- Not available
- QR Code Payments
- Not available
- Virtual Account Generation
- Not available
- Merchant Onboarding API
- Not available
- Payment Links & Checkout
- Not available
- POS Terminal Support
- Not available
- International Transfers
- Not available
- Card Issuance
- Not available
- Bank Transfer Checkout
- Not available
- Virtual Accounts (Multi-Currency)
- Not available
- Direct Debit / Recurring
- Not available
- M-Pesa / Mobile Money
- Not available
- PayAttitude
- Not available
- Cross-Border Payments
- Not available
- Multi-currency Account (USD, GBP, EUR, 20+)
- Not available
- International Bank Transfers
- Not available
- NGN Payout to Nigerian Banks
- Not available
- FX Conversion API
- Not available
- Card Payment Collection
- Not available
- Bank Transfer Collection
- Not available
- Payment Links
- Not available
- Webhook Events
- Not available
- Bulk Payouts
- Not available
- NGN Local Collection (Accept NGN from Nigerian customers)
- Not available
- Individual/Freelancer Accounts (no CAC)
- Not available
- State Data
- Not available
- LGA Data
- Not available
- Local Council Data
- Not available
- Demographic Data
- Not available
- REST API
- Not available
- Single Bank Transfers (NIP)
- Not available
- Bulk Bank Transfers
- Not available
- Dynamic Virtual Accounts
- Not available
- Single-use Account Numbers
- Not available
- Account Balance Check
- Not available
- Account Verification
- Not available
- Airtime Purchase API
- Not available
- Data Bundle Purchase API
- Not available
- Electricity / Cable TV Bill Payment
- Not available
- Webhook Event Notifications
- Not available
- Card Payment Acceptance
- Not available
- International SWIFT Transfers
- Not available
- Multi-currency Accounts
- Not available
- USSD Payment Integration
- Not available
KuCoin API
- Pricing
- Free API access. Trading fees apply (0.1% maker/taker, reducible with KCS holdings). No API subscription cost.
- 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
- 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
- BVN Resolution
- Not available
- Bank Account Verification
- Not available
- Card BIN Resolution
- Not available
- NIN Verification
- Not available
- Passport Verification
- Not available
- Driver's Licence Verification
- Not available
- Liveness Detection
- Not available
- Business (CAC) Verification
- Not available
- Market Data (Public)
- Available
- Spot Trading
- Available
- Advanced Order Types
- Not available
- WebSocket Price Streams
- Not available
- Portfolio Management
- Not available
- OAuth for User Apps
- Not available
- Nigeria Account Creation
- Not available
- NGN Deposits
- Not available
- Nigerian Bank Withdrawals
- Not available
- Futures Trading
- Available
- Margin Trading
- Available
- WebSocket Streams
- Available
- P2P NGN Trading
- Available
- Order Management
- Available
- Account & Balance API
- Available
- 700+ Trading Pairs
- Available
- Crypto Payment Acceptance
- Not available
- NGN Settlement
- Not available
- Payment Link Generation
- Not available
- Webhook Notifications
- Not available
- Exchange Rate API
- Not available
- BTC/ETH/USDT Support
- Not available
- Nigerian Naira Integration
- Not available
- Invoice Generation
- Not available
- Derivatives Trading
- Not available
- WebSocket Market Streams
- Not available
- CRO Staking Data
- Not available
- NFT Marketplace API
- Not available
- Cronos Chain Integration
- Not available
- Account Management
- Not available
- FIX Protocol (Institutional)
- Not available
- Payment Processing
- Not available
- Card Payments
- Not available
- Bank Transfer
- Not available
- Mobile Money
- Not available
- USSD Payments
- Not available
- Cross-border Transfers
- Not available
- Multi-currency
- Not available
- Virtual Cards
- Not available
- Payouts
- Not available
- Wallet Services
- Not available
- SDK Support
- Not available
- Real-time Reporting
- Not available
- KYC Integration
- Not available
- Cryptocurrency Trading
- Not available
- Buy Bitcoin
- Not available
- Buy Ethereum
- Not available
- Buy Ripple
- Not available
- Sell Crypto
- Not available
- Multi-currency Wallets
- Not available
- Market Data
- Not available
- Price Information
- Not available
- Deposit/Withdraw
- Not available
- Bank Transfers
- Not available
- Real-time Quotes
- Not available
- Authentication
- Not available
- Security Features
- Not available
- Crypto-to-NGN Auto Settlement
- Not available
- Stablecoin Acceptance (USDT/USDC)
- Not available
- Bitcoin & Ethereum Acceptance
- Not available
- Unique Deposit Address Per Customer
- Not available
- Wallet Balance Management
- Not available
- Ghana (GHS) Settlement
- Not available
- Developer Markup (Revenue Share)
- Not available
- NGN On-Ramp (Buy Crypto)
- Not available
- International Bank Wire
- Not available
- In-person POS
- Not available
- Invoicing
- Not available
- Inventory Management
- Not available
- Subscriptions
- Not available
- Loyalty Programs
- Not available
- Employee Management
- Not available
- NGN Support
- Not available
- Bill Payments API (SwitchIT)
- Not available
- Virtual Account Service
- Not available
- Instant Transfer
- Not available
- Wallet-as-a-Service (WaaS)
- Not available
- e-Invoicing API
- Not available
- Loan Mandate & Repayment (AntPeer)
- Not available
- IMTO Cross-Border Remittance
- Not available
- ePAPSS Pan-African Payments
- Not available
- Consumer Checkout Widget
- Not available
- Crypto Payments
- Not available
- Free Tier
- Not available
- Wallet Balance & Transactions
- Not available
- QR Code Payments
- Not available
- Virtual Account Generation
- Not available
- Merchant Onboarding API
- Not available
- Payment Links & Checkout
- Not available
- POS Terminal Support
- Not available
- International Transfers
- Not available
- Card Issuance
- Not available
- Bank Transfer Checkout
- Not available
- Virtual Accounts (Multi-Currency)
- Not available
- Direct Debit / Recurring
- Not available
- M-Pesa / Mobile Money
- Not available
- PayAttitude
- Not available
- Cross-Border Payments
- Not available
- Multi-currency Account (USD, GBP, EUR, 20+)
- Not available
- International Bank Transfers
- Not available
- NGN Payout to Nigerian Banks
- Not available
- FX Conversion API
- Not available
- Card Payment Collection
- Not available
- Bank Transfer Collection
- Not available
- Payment Links
- Not available
- Webhook Events
- Not available
- Bulk Payouts
- Not available
- NGN Local Collection (Accept NGN from Nigerian customers)
- Not available
- Individual/Freelancer Accounts (no CAC)
- Not available
- State Data
- Not available
- LGA Data
- Not available
- Local Council Data
- Not available
- Demographic Data
- Not available
- REST API
- Not available
- Single Bank Transfers (NIP)
- Not available
- Bulk Bank Transfers
- Not available
- Dynamic Virtual Accounts
- Not available
- Single-use Account Numbers
- Not available
- Account Balance Check
- Not available
- Account Verification
- Not available
- Airtime Purchase API
- Not available
- Data Bundle Purchase API
- Not available
- Electricity / Cable TV Bill Payment
- Not available
- Webhook Event Notifications
- Not available
- Card Payment Acceptance
- Not available
- International SWIFT Transfers
- Not available
- Multi-currency Accounts
- Not available
- USSD Payment Integration
- Not available
Busha Commerce API
- Pricing
- Free API access. Transaction fees apply per exchange or payment. No monthly subscription for the API.
- 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
- Available
- Bulk Processing
- Not available
- Transaction History
- 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
- BVN Resolution
- Not available
- Bank Account Verification
- Not available
- Card BIN Resolution
- Not available
- NIN Verification
- Not available
- Passport Verification
- Not available
- Driver's Licence Verification
- Not available
- Liveness Detection
- Not available
- Business (CAC) Verification
- Not available
- Market Data (Public)
- Not available
- Spot Trading
- Not available
- Advanced Order Types
- Not available
- WebSocket Price Streams
- Not available
- Portfolio Management
- Not available
- OAuth for User Apps
- Not available
- Nigeria Account Creation
- Not available
- NGN Deposits
- Not available
- Nigerian Bank Withdrawals
- Not available
- Futures Trading
- Not available
- Margin Trading
- Not available
- WebSocket Streams
- Not available
- P2P NGN Trading
- Not available
- Order Management
- Not available
- Account & Balance API
- Not available
- 700+ Trading Pairs
- Not available
- Crypto Payment Acceptance
- Available
- NGN Settlement
- Available
- Payment Link Generation
- Available
- Webhook Notifications
- Available
- Exchange Rate API
- Available
- BTC/ETH/USDT Support
- Available
- Nigerian Naira Integration
- Available
- Invoice Generation
- Available
- Derivatives Trading
- Not available
- WebSocket Market Streams
- Not available
- CRO Staking Data
- Not available
- NFT Marketplace API
- Not available
- Cronos Chain Integration
- Not available
- Account Management
- Not available
- FIX Protocol (Institutional)
- Not available
- Payment Processing
- Not available
- Card Payments
- Not available
- Bank Transfer
- Not available
- Mobile Money
- Not available
- USSD Payments
- Not available
- Cross-border Transfers
- Not available
- Multi-currency
- Not available
- Virtual Cards
- Not available
- Payouts
- Not available
- Wallet Services
- Not available
- SDK Support
- Not available
- Real-time Reporting
- Not available
- KYC Integration
- Not available
- Cryptocurrency Trading
- Not available
- Buy Bitcoin
- Not available
- Buy Ethereum
- Not available
- Buy Ripple
- Not available
- Sell Crypto
- Not available
- Multi-currency Wallets
- Not available
- Market Data
- Not available
- Price Information
- Not available
- Deposit/Withdraw
- Not available
- Bank Transfers
- Not available
- Real-time Quotes
- Not available
- Authentication
- Not available
- Security Features
- Not available
- Crypto-to-NGN Auto Settlement
- Not available
- Stablecoin Acceptance (USDT/USDC)
- Not available
- Bitcoin & Ethereum Acceptance
- Not available
- Unique Deposit Address Per Customer
- Not available
- Wallet Balance Management
- Not available
- Ghana (GHS) Settlement
- Not available
- Developer Markup (Revenue Share)
- Not available
- NGN On-Ramp (Buy Crypto)
- Not available
- International Bank Wire
- Not available
- In-person POS
- Not available
- Invoicing
- Not available
- Inventory Management
- Not available
- Subscriptions
- Not available
- Loyalty Programs
- Not available
- Employee Management
- Not available
- NGN Support
- Not available
- Bill Payments API (SwitchIT)
- Not available
- Virtual Account Service
- Not available
- Instant Transfer
- Not available
- Wallet-as-a-Service (WaaS)
- Not available
- e-Invoicing API
- Not available
- Loan Mandate & Repayment (AntPeer)
- Not available
- IMTO Cross-Border Remittance
- Not available
- ePAPSS Pan-African Payments
- Not available
- Consumer Checkout Widget
- Not available
- Crypto Payments
- Not available
- Free Tier
- Not available
- Wallet Balance & Transactions
- Not available
- QR Code Payments
- Not available
- Virtual Account Generation
- Not available
- Merchant Onboarding API
- Not available
- Payment Links & Checkout
- Not available
- POS Terminal Support
- Not available
- International Transfers
- Not available
- Card Issuance
- Not available
- Bank Transfer Checkout
- Not available
- Virtual Accounts (Multi-Currency)
- Not available
- Direct Debit / Recurring
- Not available
- M-Pesa / Mobile Money
- Not available
- PayAttitude
- Not available
- Cross-Border Payments
- Not available
- Multi-currency Account (USD, GBP, EUR, 20+)
- Not available
- International Bank Transfers
- Not available
- NGN Payout to Nigerian Banks
- Not available
- FX Conversion API
- Not available
- Card Payment Collection
- Not available
- Bank Transfer Collection
- Not available
- Payment Links
- Not available
- Webhook Events
- Not available
- Bulk Payouts
- Not available
- NGN Local Collection (Accept NGN from Nigerian customers)
- Not available
- Individual/Freelancer Accounts (no CAC)
- Not available
- State Data
- Not available
- LGA Data
- Not available
- Local Council Data
- Not available
- Demographic Data
- Not available
- REST API
- Not available
- Single Bank Transfers (NIP)
- Not available
- Bulk Bank Transfers
- Not available
- Dynamic Virtual Accounts
- Not available
- Single-use Account Numbers
- Not available
- Account Balance Check
- Not available
- Account Verification
- Not available
- Airtime Purchase API
- Not available
- Data Bundle Purchase API
- Not available
- Electricity / Cable TV Bill Payment
- Not available
- Webhook Event Notifications
- Not available
- Card Payment Acceptance
- Not available
- International SWIFT Transfers
- Not available
- Multi-currency Accounts
- Not available
- USSD Payment Integration
- Not available
← Swipe to compare all 5 APIs →
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.
Fincra Identity
Fincra Identity is the identity management and verification feature set built into the Fincra API. It is not a standalone product — it is accessed using the same API credentials as Fincra payment services. Nigerian developers using Fincra for payments get identity verification capabilities included, enabling them to build compliant KYC flows without integrating a separate identity provider. What It Does Fincra Identity provides three core capabilities: (1) BVN Resolution — resolve a Nigerian Bank Verification Number to retrieve the associated identity details, enabling KYC verification against the CBN BVN database; (2) Bank Account Verification — verify that a Nigerian bank account number is valid and retrieve the account holder name via NIP lookup, preventing failed transfers before they happen; (3) Card BIN Resolution — look up a card BIN (Bank Identification Number) to identify the issuing bank, card network, card type, and country of origin for any card number prefix. How Developers Use It Fincra Identity endpoints are called using the same API key obtained from the Fincra Dashboard. Documentation is at docs.fincra.com under the Identity Management section. The same 50 req/sec rate limit applies. Sandbox and live environments are fully isolated as with all Fincra services. Pricing Included in the Fincra API subscription. Custom pricing based on volume — contact Fincra sales for current rates. Rate Limits 50 API calls per second, shared with all other Fincra API calls. HTTP 429 returned when exceeded. What Fincra Identity Does NOT Cover Unlike dedicated KYC providers such as Dojah, Smile Identity, or YouVerify, Fincra Identity does not provide: NIN verification, international passport verification, driver's licence lookup, liveness detection, document capture, or CAC business verification. For comprehensive KYC with selfie matching and multi-document support, a dedicated KYC provider is recommended. Challenges and Gotchas (1) Fincra Identity is only available to businesses that have an active Fincra account — you cannot use it without being a Fincra payments customer. (2) Feature set is narrower than dedicated KYC providers. (3) Live mode requires completing full Fincra compliance onboarding first. (4) No standalone pricing — bundled with Fincra payment costs. Company Background Fincra is a CBN PSSP-licensed payment gateway incorporated in the US (Fincra Inc.) and operating in Nigeria and across Africa. The company provides payment infrastructure to African businesses and fintechs, and includes identity verification as part of its end-to-end compliance toolkit. FAQs Q: Is Fincra Identity a separate product from Fincra payments? A: No. It is a feature set within the Fincra API accessed with the same credentials. Q: Can I use Fincra Identity without using Fincra for payments? A: Not independently — you need an active Fincra business account to access these endpoints. Q: Does Fincra Identity support NIN verification? A: Not currently. BVN resolution, bank account verification, and card BIN lookup are the currently documented identity features. Q: What is the rate limit? A: 50 requests per second, shared with all Fincra API calls. Fincra Identity's bank account verification feature resolves the account holder name associated with a provided Nigerian bank account number and bank sort code, confirming that the account belongs to the expected recipient before initiating a disbursement. This pre-disbursement verification step prevents both accidental wrong-account transfers (from typographical errors in account numbers) and deliberate fraud (where a bad actor substitutes their account number for a legitimate recipient). For Nigerian platforms processing large volumes of payouts — salary disbursements, vendor payments, refund processing — the operational cost savings from preventing failed and misdirected transfers justifies the verification step. Card BIN lookup from Fincra Identity allows platforms to identify the issuing bank, card type (debit/credit), card scheme (Visa/Mastercard/Verve), and country of origin from the first six digits of a card number before the transaction is processed. This BIN intelligence enables routing decisions — selecting the optimal payment processor for a card type, applying different processing flows for international versus domestic cards, flagging potentially high-risk card origins — that improve authorization rates and fraud management before authorization is even attempted.
Coinbase Advanced Trade API
Coinbase Advanced Trade API is the institutional and developer-focused trading interface for Coinbase, the largest US-regulated cryptocurrency exchange by trading volume. The API provides full programmatic access to spot trading, order management, portfolio querying, and real-time market data through REST endpoints and WebSocket streams. Coinbase is a publicly listed company (NASDAQ: COIN) subject to US financial regulations, making its API the preferred choice for developers and institutions who need a highly compliant, US-regulated exchange as their trading infrastructure. Nigerian developers should note clearly that Coinbase does not support Nigerian users — Nigeria is not included in Coinbase's list of supported countries, and Nigerian residents cannot create Coinbase accounts, make deposits, or trade on the platform. This API entry is documented for completeness and for Nigerian developers who may be building applications for non-Nigerian markets. For Nigerian-focused exchange integrations, Busha Commerce API, Quidax, or other locally available exchanges are more appropriate. For developers working in supported regions, the Coinbase Advanced Trade API replaced the legacy Coinbase Pro API and provides enhanced features for algorithmic trading, portfolio management, and market making. The Advanced Trade interface includes advanced order types such as limit orders, stop orders, and bracket orders — tools that professional traders and algorithmic systems require for sophisticated execution strategies. Market data endpoints are publicly accessible without authentication. The GET /api/v3/brokerage/market/products endpoint returns all available trading pairs with current prices, 24-hour statistics, and market status. The GET /api/v3/brokerage/market/product_book endpoint returns real-time order book depth for any product. These public endpoints can be used by anyone — including Nigerian developers building price comparison tools or market data dashboards for non-Nigerian users — without creating a Coinbase account. WebSocket streaming provides real-time data for market data subscriptions: price updates (ticker), order book changes (level2), and user-specific order and trade notifications (user channel). The user channel requires authentication and delivers real-time updates whenever an order is placed, filled, cancelled, or modified. For algorithmic trading systems, the WebSocket feed is essential for maintaining an up-to-date view of open orders and account state. Portfolio management endpoints allow querying account balances, open orders, order history, and filled trade history. The portfolio structure in Coinbase Advanced Trade supports multiple named portfolios within a single account, with the ability to allocate funds between portfolios. This is useful for developers building multi-strategy trading systems where different strategies should have separate fund allocations and P&L tracking. OAuth 2.0 support enables third-party applications to request permission to read portfolio data or even trade on behalf of users — the appropriate pattern for user-facing apps that do not want users to directly share API keys. A portfolio management app can use OAuth to request read-only access to a user's Coinbase balances and transaction history, displaying it alongside data from other accounts. The Coinbase Advanced Trade sandbox environment (api-sandbox.coinbase.com) provides a test environment where developers can simulate trading without real money. Test funds are available for placing test orders, testing WebSocket streams, and validating application logic before connecting to production.
KuCoin API
KuCoin is a top-10 global cryptocurrency exchange by trading volume, offering a comprehensive REST and WebSocket API for spot trading, futures trading, margin trading, and account management. Known for its extensive altcoin listings — often listing new projects weeks or months before major exchanges — KuCoin is popular among traders who want early access to emerging crypto assets. Unlike Binance and Coinbase, KuCoin is accessible to Nigerian users without reported geo-blocking, making it one of the few major global exchanges where Nigerian traders can create accounts and trade programmatically. Nigeria's crypto trading community is highly active in altcoin markets. Nigerian traders follow new project launches, participate in early token sales, and trade emerging assets that Nigerian local exchanges do not list. KuCoin's catalog of 700+ trading pairs — spanning established cryptocurrencies, DeFi tokens, layer-2 assets, and newly listed altcoins — gives Nigerian traders access to the full breadth of the crypto market. For Nigerian developers building trading tools for this community, KuCoin's API is the gateway to this broader market. The REST API covers all aspects of exchange interaction. Market data endpoints (public, no authentication required) include current prices, 24-hour statistics, order book depth, recent trades, and OHLCV candlestick data for all trading pairs. These public endpoints allow Nigerian applications to display KuCoin prices without requiring users to connect their accounts. Private trading endpoints use a three-credential authentication scheme: API key, secret, and passphrase. The passphrase adds an extra layer of security beyond the standard key/secret pair. All private requests require a timestamp and HMAC-SHA256 signature. Nigerian developers building trading bots must implement this signature scheme correctly — the documentation provides detailed examples in multiple programming languages. Spot trading operations cover the full order lifecycle: place limit, market, and stop-limit orders; query open orders; cancel orders; and retrieve filled trade history. KuCoin also supports advanced order types including iceberg orders (large orders divided into small visible portions) and time-in-force options, giving Nigerian algorithmic traders the tools for sophisticated execution strategies. Futures trading on KuCoin Futures provides access to perpetual and quarterly Bitcoin and altcoin futures contracts. Leverage up to 100x is available (subject to account verification level and risk management). Nigerian traders who use futures for hedging their spot positions or for leveraged directional trading can manage all of this through the API. The P2P trading feature on KuCoin allows Nigerian users to buy and sell crypto with NGN directly — without bank transfer restrictions affecting major exchanges. While P2P operations are done through the web interface rather than the API, the underlying crypto obtained through P2P can then be traded programmatically via the API. This makes KuCoin one of the most practical exchanges for Nigerian users who need both a fiat on-ramp (via P2P) and programmatic trading capability. KuCoin charges 0.1% maker/taker fees by default, reducible by holding KCS (KuCoin Shares) tokens. Active traders who hold KCS in their accounts benefit from fee discounts proportional to their KCS balance — an incentive for high-frequency Nigerian traders to hold KCS as part of their exchange strategy. The sandbox environment (sandbox.kucoin.com) provides a test API with simulated trading, allowing Nigerian developers to test trading bot logic and API integrations without risking real funds.
Busha Commerce API
Busha Commerce API is the developer platform for Busha, Nigeria's leading regulated cryptocurrency exchange founded in 2019. While global exchanges like Binance and Coinbase face regulatory friction and account restrictions in Nigeria, Busha operates as a Nigerian-registered entity, holds all required local licences, and is fully compliant with Nigerian financial regulations. This makes Busha the most trusted and legally reliable option for Nigerian businesses that want to accept cryptocurrency payments, provide crypto trading services, or build crypto-powered products for Nigerian users. The Busha Commerce API specifically targets Nigerian merchants and developers who need crypto payment acceptance with Nigerian Naira settlement. Nigeria's digital economy is growing rapidly, but Nigerian businesses face persistent challenges with conventional payment infrastructure: card declines on international transactions, Forex restrictions limiting dollar-denominated purchases, and high remittance fees. Cryptocurrency — particularly USDT (a stablecoin pegged to the US dollar) — has emerged as a practical alternative for Nigerians making and receiving international payments. Busha Commerce bridges the gap between crypto payments and the Nigerian Naira banking system, enabling merchants to accept crypto from customers anywhere in the world and receive NGN in their bank accounts. The payment workflow is straightforward. A Nigerian merchant creates a payment request via the API, specifying the amount in NGN or a crypto asset. Busha returns a payment address (or QR code) and a unique payment ID. The merchant displays this to the customer. When the customer sends crypto to that address, Busha detects the blockchain transaction, converts it to NGN at the current exchange rate (if NGN settlement is selected), and delivers a webhook notification to the merchant's server confirming the payment. The merchant can then fulfill the order knowing the NGN equivalent has been credited to their Busha balance. Exchange rate endpoints provide real-time NGN/BTC, NGN/ETH, and NGN/USDT rates based on Busha's live market rates. These rates reflect the actual rates at which Busha will settle payments — not third-party price data — ensuring Nigerian merchants display accurate expected payment amounts to their customers. The rates include Busha's exchange margin, so what the merchant sees is what they will receive. Webhook notifications are the backbone of the payment detection system. When a payment is received and confirmed on-chain, Busha sends an HTTP POST to the merchant's configured webhook URL with full payment details: amount paid, asset type, exchange rate applied, NGN value, and transaction status. The webhook payload is signed with a secret key so merchants can verify it genuinely came from Busha. This event-driven architecture means Nigerian merchant backends respond immediately to payments without polling. For Nigerian freelancers and service providers, Busha Commerce enables a particularly useful workflow: generate a shareable payment link for a specific invoice amount, send it to an international client, receive USDT payment from anywhere in the world, and settle to NGN via Busha's banking integration. This circumvents the delays and fees of international wire transfers and the restrictions that Nigerian bank accounts sometimes face on receiving foreign currency. The sandbox environment allows Nigerian developers to test the complete payment flow — creating test payment requests, simulating test payments, and receiving test webhook events — without using real cryptocurrency. This makes integration development safe and fast. Busha requires business KYC verification including CAC (Corporate Affairs Commission) registration documents for merchant accounts — consistent with Nigerian financial compliance requirements. API keys are generated after verification in the Busha developer dashboard.
Crypto.com API
Crypto.com Exchange API provides programmatic access to one of the world's top-10 cryptocurrency exchanges, offering REST and WebSocket APIs for spot trading, derivatives, margin trading, staking data, and NFT marketplace interaction. Crypto.com is known for its deep integration between exchange services, a native blockchain (Cronos/CRO chain), and a comprehensive consumer product ecosystem including the Crypto.com App, Visa card, and NFT marketplace. For Nigerian developers and traders, the Exchange API provides access to all of these services programmatically, and Nigerian users can register on Crypto.com without reported geo-blocking. Nigeria's crypto trading community includes an active segment of users who hold and stake CRO tokens, attracted by the Crypto.com Visa card and staking rewards program. These users benefit from tools that give them more visibility and automation over their staking positions, trading activity, and NFT holdings than the standard app provides. The Crypto.com Exchange API enables building these custom tools — from automated trading systems to staking analytics dashboards to NFT floor price monitors. The Exchange API distinguishes between the Crypto.com Exchange (the institutional and advanced trading platform at exchange.crypto.com) and the Crypto.com App (the retail consumer platform). The API documented here refers to the Exchange. Both platforms share user accounts, but the API capabilities — including algorithmic trading, order book access, and WebSocket streams — are features of the Exchange platform. Market data endpoints return current prices, 24-hour statistics, order book depth up to 50 levels, and recent trades for all trading pairs. The REST API structure follows standard exchange conventions: GET endpoints for market data (no auth required), POST endpoints for trading and account operations (authentication required). Public market data is freely accessible, making it suitable for Nigerian price monitoring and comparison applications. Spot trading through the API supports market, limit, and stop orders for all listed pairs. The Exchange lists hundreds of trading pairs including BTC/USDT, ETH/USDT, CRO/USDT, and many altcoin pairs. Order placement, cancellation, and status checking follow standard patterns. The private API uses HMAC-SHA256 request signing with a nonce (millisecond timestamp) to prevent replay attacks. Derivatives trading on Crypto.com Exchange includes perpetual futures and quarterly futures for major cryptocurrencies, with leverage up to 100x for eligible accounts. The derivatives API follows similar patterns to the spot API but operates on the futures position and margin account. Nigerian traders using futures for hedging or speculation can manage their positions programmatically. The CRO staking data endpoints are particularly relevant for Nigerian users who hold CRO to access Crypto.com Visa card tier benefits or earn staking rewards. The API returns current staking positions, accumulated rewards, and unlock schedules — data that a Nigerian staking dashboard can display to help users track their passive income from CRO staking. NFT marketplace API access provides data on listed NFTs, recent sales, collection statistics, and bid activity on the Crypto.com NFT platform. Nigerian digital art collectors and creators who use the Crypto.com NFT marketplace can build custom alerting and analytics tools around this data. WebSocket channels deliver real-time data: ticker updates, order book changes, trade feeds, and user-specific order/trade notifications. The subscription-based WebSocket architecture is standard for high-frequency trading systems. A sandbox environment at uat-api.3ona.co is available for testing integrations without real funds, with simulated balances and trading capability.
Klasha API
Klasha is a fintech platform providing global checkout solutions for African merchants enabling cross-border e-commerce payments. The Klasha API enables merchants to accept international payments, manage currency conversion, and simplify cross-border transactions. Nigerian e-commerce businesses and merchants use Klasha to expand internationally and accept payments from global customers.
Luno API
Popular global cryptocurrency exchange with strong presence across Africa including Nigeria. Luno provides trading APIs, market data endpoints, and wallet integrations for developers. Good for applications needing crypto trading capabilities and market data integration. Supports both beginner and advanced traders.
Breet API
Breet is a Nigerian crypto and stablecoin infrastructure company that enables businesses to accept cryptocurrency payments and automatically settle the proceeds in local fiat currency. The platform serves 400,000+ verified users and has executed over 500 million trades. Breet is regulated under the Nigeria Data Protection Act 2023 and certified by the Nigeria Data Protection Commission (NDPC) — making it one of Nigeria's most compliance-ready crypto payment providers. What the API Does The Breet API enables developers to: generate unique crypto deposit addresses per customer or transaction; accept payments in 13+ cryptocurrencies including Bitcoin, Ethereum, USDT, USDC, Solana, Tron, BNB, Avalanche, XRP, TON, Litecoin, Bitcoin Cash, and Dogecoin; auto-convert received crypto to Nigerian Naira (NGN) or Ghanaian Cedi (GHS); settle converted fiat directly to a business bank account; and receive real-time webhook notifications for all transaction events. The entire flow — from crypto deposit to NGN bank settlement — can happen without manual intervention. How Developers Use It Developers sign up at breet.io, complete KYB verification (typically within 24 hours), and receive an App ID and App Secret for authentication. The API is REST-based with JSON responses. A live sandbox environment is available for testing the full integration before going live. The typical integration flow: generate a deposit address for a user or invoice, monitor webhooks for deposit events, and configure auto-settlement rules to push NGN to your bank account. Most integrations go live within days with dedicated integration support from Breet. Pricing Breet charges as low as 0.5% per transaction with no setup fees, no monthly subscription fees, and no hidden FX spreads. Developers can optionally add a 0 to 10% markup on top of the Breet base fee — creating an additional revenue stream from crypto payment processing. Volume-based rates are available for high-throughput businesses on request. Authentication All API calls require an App ID and App Secret issued from the Breet merchant dashboard. These credentials are passed with each request for authentication. Settlement and Geographic Support Breet supports NGN (Nigerian Naira) and GHS (Ghanaian Cedi) as settlement currencies. Crypto deposits can be received from anywhere on-chain globally. Bank settlements are currently limited to Nigerian and Ghanaian accounts. Compliance Breet operates under the Nigeria Data Protection Act 2023 and holds NDPC certification. Business customers must complete KYB before accessing the live API. Breet is a fintech company and not a licensed bank — crypto assets are noted as volatile and Breet does not provide investment advice. Challenges and Gotchas (1) KYB is required before going live — businesses must prepare CAC documents and director IDs. (2) No card payment or USSD support — Breet is crypto-in, fiat-out only. (3) Rate limits are not publicly documented — ask Breet for limits before high-volume integrations. (4) Settlement is to NGN bank accounts only — no USD or international wire settlement currently. (5) Crypto volatility risk exists between deposit and settlement unless using stablecoins (USDT/USDC). Company Background Breet was founded in Nigeria and is headquartered in Lagos. The company started as a consumer crypto trading platform and expanded into B2B crypto payment infrastructure. It is backed by Nigerian and African venture capital and focuses exclusively on the African market, with Nigeria and Ghana as primary supported countries. FAQs Q: Can I accept USDT and settle in NGN automatically? A: Yes. Breet auto-converts USDT (and any supported crypto) to NGN and pushes settlement to your Nigerian bank account. Q: Do I need a crypto licence to use Breet API? A: No. Breet holds the necessary regulatory certifications. You only need to complete KYB as a business customer. Q: Is there a sandbox for testing? A: Yes. Breet offers a live sandbox environment for full integration testing before production. Q: What is the settlement time? A: Typically within minutes for stablecoins. Volatile assets like BTC may have slight delays depending on network confirmations. Q: Can I add my own fee on top of Breet pricing? A: Yes. Breet allows you to apply a 0 to 10% markup on top of their 0.5% base fee, creating a revenue stream from your integration.
Square API
Square API is a comprehensive payment and commerce platform API from Square, Inc. (now Block, Inc.) that enables developers to build custom point-of-sale applications, online payment flows, inventory management systems, subscription billing, and retail commerce solutions. Square provides a deeply integrated suite of commerce APIs covering payments, orders, inventory, customer management, loyalty programs, and employee management that work together to provide a complete retail and services business management platform. IMPORTANT NOTE FOR NIGERIAN DEVELOPERS: Square does not currently operate in Nigeria and does not support Nigerian merchants registering for Square accounts, processing NGN transactions, or receiving settlements to Nigerian bank accounts. Square operates in the United States, Canada, United Kingdom, Australia, Japan, France, Spain, and Ireland only. Nigerian businesses looking for equivalent payment processing capabilities should use Nigerian-licensed alternatives such as Paystack, Flutterwave, Monnify, or Kora. Despite not supporting Nigeria directly, Square API is documented here for several relevant reasons. First, Nigerian tech professionals working for international companies, remote contractors, and developers building products for non-Nigerian markets frequently work with Square. Second, Nigerian developers building applications for clients in Square-supported markets need API documentation to understand the integration requirements. Third, the architectural patterns used by Square — particularly their Payments API, Web Payments SDK, and order management system — are studied by Nigerian developers learning payment system design. The Square Payments API processes card-not-present payments through the Web Payments SDK (a JavaScript library that renders a PCI-compliant card entry form in web browsers) and the In-App Payments SDK (for iOS and Android native apps). These SDKs handle card data capture and tokenization in the browser or app, then pass a payment token to the backend which makes a charge call to the Square Payments API without sensitive card data ever touching the developer's servers. This architecture demonstrates PCI compliance best practices relevant to payment developers globally. Square Orders API provides comprehensive order lifecycle management: creating orders with line items, modifiers, and taxes, updating order status, applying discounts, processing partial fulfillments, and attaching payments to orders. This orders-centric model — where payments fulfill orders rather than existing independently — is architecturally different from many payment APIs and represents a more complete retail commerce model that connects inventory, pricing, and payment into a unified order record. Square Inventory API tracks product stock levels across multiple locations, providing real-time inventory counts, adjustment tracking, and low-stock alerting. For developers building multi-location retail management systems in Square-supported markets, the inventory API enables the stock synchronization between physical and online sales channels that prevents overselling and allows accurate availability display. Square Subscriptions API handles recurring billing, creating subscription plans with billing cadences, trial periods, and pricing tiers, and automatically charging customers on schedule. Subscription webhooks notify the integrating application of billing events, failed payments, and subscription status changes. This recurring billing infrastructure is used by subscription box services, membership businesses, and SaaS products operating in Square markets. Square Loyalty API builds customer loyalty programs directly into the payment flow, automatically awarding points on eligible purchases, tracking redemption history, and applying loyalty discounts at checkout. For businesses in Square-supported markets wanting to reward repeat customers without separate loyalty program infrastructure, the integrated loyalty system captures purchase data automatically through the normal payment flow. Nigerian developers can access Square's sandbox environment freely for learning and testing purposes, using test credentials to exercise all API endpoints without processing real payments.
eTranzact
eTranzact International Plc is one of Nigeria's oldest and most established fintech companies, listed on the Nigerian Stock Exchange (NSE). Founded in 2003, eTranzact has been a foundational player in Nigeria's digital payments ecosystem — predating Paystack, Flutterwave, and most modern Nigerian payment gateways by over a decade. The company offers a suite of enterprise API products designed for banks, telcos, financial institutions, and government agencies. Developer documentation is available at developers.etranzactng.com. What the API Does eTranzact offers six primary API products: (1) SwitchIT — a bill payment API for utility, airtime, and service payments; (2) Virtual Account Service — for issuing and managing virtual bank account numbers; (3) AntPeer — loan mandate setup and automated repayment collection for digital lenders; (4) Instant Transfer — real-time interbank fund transfers via NIP; (5) e-Invoicing API — generating FIRS-compliant electronic invoices for tax compliance; (6) WaaS (Wallet-as-a-Service) — embedding wallet functionality into third-party applications. How Developers Use It Developers access the portal at developers.etranzactng.com for documentation and API reference. Authentication is via API key from the developer portal. eTranzact is an enterprise provider — onboarding typically requires a formal integration agreement rather than self-service signup. A sandbox environment is available for testing. Pricing Enterprise pricing only — not publicly listed. eTranzact targets institutional clients with contracts negotiated based on integration type, transaction volume, and product combination. Contact eTranzact for pricing. Compliance eTranzact is CBN-licensed and operates under CBN payment system regulations. As an NSE-listed company, it is subject to SEC regulations and public reporting requirements — providing institutional clients with a high level of corporate accountability and transparency. Challenges and Gotchas (1) Not a self-service platform — enterprise onboarding required. (2) Documentation is less accessible than Paystack or Flutterwave. (3) Primarily institutional focus — not designed for individual developers or small startups. (4) Pricing requires sales engagement. (5) Product suite is broad but each product may require a separate integration agreement. Company Background eTranzact International Plc was incorporated in 2003 and is headquartered in Lagos. It is listed on the Nigerian Stock Exchange and serves over 200+ banks and financial institutions across Nigeria and Africa. The company has expanded into Ghana, Zimbabwe, and other African markets. Its longevity and stock exchange listing make it one of the most trusted institutional payment infrastructure providers in Nigeria. FAQs Q: Is eTranzact publicly listed? A: Yes. eTranzact International Plc is listed on the Nigerian Stock Exchange. Q: Can a startup integrate eTranzact independently? A: eTranzact is primarily enterprise-focused. Small startups should consider Paystack or Flutterwave as more accessible alternatives. Q: Does eTranzact support loan mandate processing? A: Yes. The AntPeer product handles loan mandate setup and automated repayment debit for digital lenders and microfinance banks. Q: What is WaaS? A: Wallet-as-a-Service — an API that lets third-party apps embed NGN wallet functionality without building their own wallet infrastructure. For Nigerian enterprises and large organizations, eTranzact's position as a publicly listed company on the Nigerian Stock Exchange provides a level of transparency and financial accountability that private fintech providers cannot match. Annual financial reports, board governance, and shareholder accountability create institutional confidence for Nigerian banks, government agencies, and large corporations selecting payment infrastructure partners for critical financial operations. NIBSS NIP integration through eTranzact enables real-time instant payment transfers between Nigerian bank accounts, settled within seconds. For enterprises running high-value payment operations — salary disbursements, vendor settlements, inter-company transfers — access to the NIP instant payment rail through eTranzact's regulated infrastructure ensures funds reach recipients immediately rather than in batch settlement windows. eTranzact's long-standing position as a NIBSS-licensed institution provides direct connectivity to Nigeria's core payment clearing infrastructure. The PTSA (Payment Terminal Service Aggregator) license held by eTranzact allows the company to aggregate POS terminal services and provide terminal deployment, management, and transaction routing for merchants. Nigerian businesses deploying POS infrastructure — retail chains, hotels, supermarkets, service businesses — can use eTranzact as their PTSA for terminal provisioning and ongoing support. This physical payment infrastructure layer complements eTranzact's digital API services for businesses managing both in-person and online payment channels.
CBI Monie
CBI Monie is a Nigerian payment infrastructure platform operated by CBI Technologies Limited. The company is licensed by the Central Bank of Nigeria (CBN), ISO-certified, NDPR-compliant, and PCI-DSS certified — making it one of the compliance-ready options for Nigerian businesses and fintechs needing embedded payment capabilities. CBI Monie offers multi-channel payment acceptance including POS terminals, dynamic QR codes, virtual account numbers, payment links, and a developer API for programmatic integration. What the API Does The CBI Monie API provides RESTful endpoints for: wallet balance and transaction management; QR code and virtual account generation; merchant onboarding for agent networks; payment links and checkout sessions; and real-time webhook events for automated workflows. The API is designed for fintechs, ERP systems, government platforms, and agent network operators that need to embed payment infrastructure into their products. How Developers Use It API access is by request — developers contact support@cbitechnologiesltd.com to initiate onboarding. Once approved, API credentials are issued. The platform provides SDKs and webhook integration modules. A sandbox environment is available for safe testing of transactions and webhook events before going live. The API follows RESTful conventions. Pricing Not publicly listed. CBI Monie pricing is available upon request through their sales and support team at support@cbitechnologiesltd.com. There is also a dedicated pricing page at cbimonie.com/pricing for merchant plans. Compliance CBN-licensed, ISO-certified, NDPR-compliant (Nigeria Data Protection Regulation), and PCI-DSS certified. CBI Monie handles cardholder data in compliance with international payment security standards. All merchant and API partner onboarding includes KYC verification. Supported Payment Channels POS terminals (physical card-present), dynamic QR codes, virtual account numbers (NIP transfers), payment links and hosted checkout, and web/mobile integration via API. Challenges and Gotchas (1) API access is not self-serve — requires approval and manual onboarding. (2) No USSD payment support. (3) No crypto or cross-border payment capabilities. (4) Rate limits and detailed technical specs are not publicly documented. (5) Compared to Paystack or Flutterwave, documentation is less comprehensive and publicly accessible. Company Background CBI Monie is a product of CBI Technologies Limited, a Nigerian fintech infrastructure company. The platform targets enterprise and institutional clients including government agencies, large merchants, fintechs building on top of their rails, and agent network operators who need a compliant multi-channel payment stack. FAQs Q: How do I get API access? A: Contact support@cbitechnologiesltd.com to request API access. Access is not self-serve. Q: Is there a sandbox? A: Yes. CBI Monie provides a developer-safe sandbox for testing transactions and webhooks. Q: Is CBI Monie suitable for a consumer app? A: Yes, through the wallet and virtual account APIs. It is also well-suited for B2B and enterprise platforms. Q: Does CBI Monie accept international cards? A: Yes. POS and card acceptance includes Verve, Visa, and Mastercard. Q: Can CBI Monie handle agent network onboarding? A: Yes. The Merchant Onboarding API is specifically designed for programmatically onboarding agents at scale. The PCI DSS certification of CBI Monie ensures that card data processed through the platform meets the Payment Card Industry Data Security Standard requirements for cardholder data protection. For Nigerian fintechs and enterprises concerned about compliance with card scheme requirements, CBI Monie's certified status removes the burden of achieving independent PCI DSS certification for card data handling within the integrating platform's environment. QR code payment functionality in CBI Monie enables merchant-displayed QR codes that customers can scan to initiate payments using their mobile banking apps or fintech wallets. As QR code payment adoption grows in Nigeria — driven by CBN's promotion of cashless payment infrastructure and the expansion of mobile banking usage — merchants integrated with CBI Monie can offer this payment channel alongside traditional card and bank transfer methods without additional infrastructure. Merchant onboarding APIs within CBI Monie allow platform operators managing merchant networks to programmatically onboard new merchants, verify their identity and business credentials, and activate payment acceptance — building automated merchant lifecycle management for agent banking platforms, marketplace operators, and payment aggregators managing large merchant portfolios in Nigeria.
Fincra
Fincra is a CBN PSSP-licensed payment gateway and fintech infrastructure company enabling African businesses to collect payments locally and cross-border across 50+ currencies in 40+ countries — with a single API covering 150+ countries globally. Fincra processes millions of API requests monthly and provides checkout, virtual accounts, direct debit, and cross-border payment products to businesses ranging from startups to enterprise clients. The company maintains a dedicated developer hub at FincraHub for the Nigerian and African developer community. What the API Does The Fincra API enables developers to: process card payments (Verve, Visa, Mastercard), bank transfers, M-Pesa, mobile money, and PayAttitude; issue multi-currency virtual accounts (NGN, USD, GBP, EUR) for collections from anywhere in the world; set up direct debit mandates for recurring collections from Nigerian bank accounts; initiate cross-border payouts in 50+ currencies; and receive real-time webhook notifications for all transaction events. The platform is designed as a single integration point for both local Nigerian payments and pan-African/international payment needs. How Developers Use It Developers access documentation at docs.fincra.com. Account creation is at fincra.com. Authentication uses API keys obtained from the Fincra Dashboard under Settings > API keys and webhook configuration tab. Sandbox and live environments are fully isolated — separate business IDs, API keys, and identifiers for each. Never use live credentials in the sandbox environment. The sandbox is available for full integration testing with simulated data. Pricing Custom pricing based on product type, transaction volume, markets, and risk profile. No public fee schedule. Contact Fincra sales to design a custom package. The pricing page at fincra.com/product-pricing offers a starting point for conversations. Rate Limits 50 API calls per second. HTTP 429 error returned for requests exceeding this limit. Authentication API keys from the Fincra Dashboard, separated by environment (sandbox vs. live). Keys are configured in the Profile > Settings > API keys section. Compliance CBN PSSP-licensed in Nigeria. Fincra is also incorporated in the US (Fincra Inc.) and holds appropriate licences for cross-border operations. Handles M-Pesa and mobile money under applicable East African regulations. Challenges and Gotchas (1) Pricing requires a sales conversation — no instant self-serve pricing. (2) Sandbox and live environments are fully isolated — you cannot transfer test accounts to live. (3) Rate limit of 50 req/sec may constrain high-frequency use cases — design API calls with batching in mind. (4) No USSD support. (5) Cross-border payouts pricing may vary significantly by corridor. Company Background Fincra Inc. is incorporated in the US and operates its Africa business from Lagos, Nigeria. The company is focused on solving Africa's payment fragmentation problem — where businesses traditionally needed separate integrations for each country. Fincra's FincraHub developer community is active in the Nigerian tech ecosystem. FAQs Q: What is Fincra's rate limit? A: 50 API calls per second. Exceeding this returns HTTP 429. Q: Does Fincra support M-Pesa? A: Yes. M-Pesa is supported as a payment method for East African collections. Q: Are sandbox and live environments the same? A: No. They are fully isolated with separate business IDs, API keys, and identifiers. You cannot transfer test data to live. Q: Does Fincra support direct debit for subscriptions? A: Yes. The Direct Debit API enables recurring collections from Nigerian bank accounts on a schedule.
Airwallex API
Airwallex is a global financial technology platform founded in Melbourne, Australia in 2015, now operating in 60+ countries including Nigeria. The platform provides businesses with multi-currency accounts, international payment infrastructure, FX conversion, and a full-featured API for automating cross-border financial operations. Airwallex is used by over 100,000 businesses globally, ranging from startups to large enterprises, and has raised over $900 million in funding from investors including Tencent, DST Global, and Salesforce Ventures. **What Airwallex Does for Nigerian Businesses** Airwallex entered the Nigerian market as part of its broader Africa expansion strategy. For Nigerian CAC-registered businesses, Airwallex solves one of the most persistent pain points in Nigerian commerce: the difficulty and cost of holding, receiving, and sending international currencies. Through the Airwallex platform and API, Nigerian businesses can open multi-currency accounts that hold USD, GBP, EUR, and 20+ other currencies simultaneously — receiving payments from international clients without forced immediate conversion to NGN. **Core API Products** The Airwallex API is RESTful and organized around four main product areas: 1. **Global Accounts (Multi-currency Wallets)** — Create and manage accounts in multiple currencies. Each currency account comes with local payment details (e.g., a USD account with US routing and account numbers, or a GBP account with UK sort code and account number) enabling international clients to make local transfers to your business. 2. **Payouts API** — Send money to beneficiaries in 150+ countries. For Nigeria specifically, Airwallex supports NGN payout to Nigerian bank accounts via bank transfer. The payout API handles beneficiary management, payment status tracking, and webhook notifications for payment lifecycle events. 3. **FX Conversion API** — Convert between currencies at rates 0.5–1.0% above the interbank mid-market rate — dramatically cheaper than traditional Nigerian commercial bank FX spreads (often 3–5%). The API allows businesses to convert on-demand or set conversion rules programmatically. 4. **Payment Acceptance API** — Accept card payments (Visa, Mastercard, Amex) and local bank transfers from customers in 40+ markets. Card payment fees follow either blended pricing (2.8% + $0.30 per transaction) or interchange++ for high-volume merchants seeking cost transparency. Payment links, hosted payment pages, and direct API integrations are all available. **Authentication** Airwallex uses API Key authentication for server-side API calls. API keys are created through the Airwallex Dashboard and passed as Bearer tokens in the Authorization header. OAuth 2.0 is used for connected account workflows where your platform needs to manage payments on behalf of sub-merchant accounts. All API communication is over HTTPS. **Sandbox Environment** Airwallex provides a full sandbox environment for testing all API features without moving real money. Developers can test FX conversions, simulate payouts, create test beneficiaries, and trigger webhook events. The sandbox environment mirrors production behavior, making it suitable for end-to-end integration testing before going live. **Rate Limits** Specific rate limits are not publicly documented in Airwallex's developer documentation. Rate limits vary by endpoint and plan tier. Contact Airwallex support or your account manager for production rate limit policies. **Pricing for Nigerian Users** - Account opening: Free - Monthly account fee: Free - FX conversion: 0.5–1.0% above mid-market rate - International transfers: $0–$3 per transaction depending on corridor - Card payment collection: 2.8% + $0.30 (blended) or interchange++ (high volume) - Bank transfer collection: Free - NGN payout: Conversion fees apply at standard FX rates **Nigeria-Specific Requirements** To open an Airwallex account as a Nigerian business, you need: a CAC-registered company (Certificate of Incorporation or Business Name Registration), director/owner government ID (international passport or NIN), proof of business address (utility bill or bank statement not older than 3 months), 3–6 months of company bank statements, and a business description. Individual freelancers without formal business registration typically cannot qualify for all platform features. Approval takes 1–3 business days after document submission. **Compliance & Regulation** Airwallex holds licenses in multiple jurisdictions including the UK (FCA), EU, Australia (ASIC), Hong Kong, Singapore, and the US. In Nigeria, Airwallex operates as an international payment service provider serving registered Nigerian businesses. It is not a CBN-licensed Nigerian institution but interfaces with Nigerian banking rails for NGN settlements. **Challenges for Nigerian Developers** The key limitation is that Airwallex does not currently support accepting NGN-denominated payments from local Nigerian customers — it is designed for outbound international payments and inbound foreign currency collection, not domestic Nigerian payment acceptance. For local NGN payment acceptance, Nigerian businesses still need Paystack, Flutterwave, or similar local gateways. Additionally, individual freelancers without a registered company face barriers to access, as Airwallex prioritizes formal business entities. **Frequently Asked Questions** Q: Can Nigerian individuals (non-business) use Airwallex? A: Airwallex primarily serves registered businesses. Individual freelancers without a CAC-registered company may not qualify for all features. Q: Can I accept NGN payments from Nigerian customers through Airwallex? A: No. Airwallex is designed for foreign currency collection and cross-border payouts. Use Paystack or Flutterwave for local NGN payment acceptance. Q: How long does it take to get approved? A: Typically 1–3 business days after submitting all required documents. Q: What currencies can I hold? A: USD, GBP, EUR, AUD, SGD, HKD, CAD, JPY, and 15+ additional currencies depending on your account configuration. Q: Is Airwallex safe for Nigerian businesses? A: Yes — Airwallex is a regulated fintech holding licenses in the UK, EU, Australia, and other jurisdictions, and is backed by major institutional investors.
NG Data API
NG Data API is a comprehensive REST API designed specifically for Nigerian administrative and demographic data, providing developers with structured access to geographic information spanning states, local government areas, local councils, and population statistics. Unlike generic global geographic APIs, NG Data API is built with Nigerian data structures in mind, making it the go-to resource for applications that need authoritative, well-organized Nigerian location data through a modern API interface. The platform offers both a free tier and paid subscription plans, making it accessible for individual developers experimenting with location features while also supporting production-grade deployments for startups and enterprises. API Key authentication keeps access controlled and usage trackable, while the freemium model ensures that small-scale Nigerian developers and civic technologists can access the data without upfront financial commitment. **What NG Data API Provides** The core offering covers Nigeria's administrative hierarchy: all 36 states plus the Federal Capital Territory, their constituent LGAs, and the local councils within each LGA. This three-level hierarchy mirrors how Nigerian government administration is organized and how most Nigerian users think about their location — "I live in Yaba, which is in Lagos Mainland LGA, which is in Lagos State." Beyond administrative boundaries, NG Data API includes demographic data such as population estimates that are useful for market sizing, resource allocation planning, and data visualization. Being able to attach population context to geographic units transforms the API from a simple location lookup into a planning and analytics tool. The REST architecture means responses come as clean JSON that can be consumed by any web or mobile framework. Standard HTTP methods and predictable endpoint structures make integration straightforward for developers familiar with RESTful patterns. **Use Cases for Nigerian Businesses** For e-commerce and delivery platforms like Jumia, Konga, and emerging Nigerian marketplaces, NG Data API solves a persistent pain point: building accurate address forms. Nigerian addresses are notoriously inconsistent — some users write abbreviated LGA names, some omit them, and some use informal neighborhood names that do not correspond to any official LGA. By driving address forms with authoritative NG Data API data, platforms can enforce consistent address data collection from day one, reducing failed deliveries and improving logistics efficiency. For fintech companies regulated by the Central Bank of Nigeria, accurate address data is a KYC requirement. Customer home addresses submitted during account opening must be verifiable and correctly formatted. NG Data API-driven address forms ensure that submitted state and LGA combinations are always valid, reducing the manual review burden on compliance teams. For logistics and last-mile delivery companies, NG Data API enables intelligent zone management. By mapping delivery areas to official LGAs, companies can define pricing zones, assign courier teams by LGA coverage, and build routing logic based on administrative boundaries rather than imprecise custom polygons. **Civic Technology and Government Applications** Nigerian civic tech organizations rely on consistent administrative data to power dashboards that track education outcomes, health metrics, infrastructure gaps, and budget allocation by LGA. NG Data API's structured data feeds these visualizations and analytics engines. Organizations like Connected Development, BudgIT, and NigeriaElections.org benefit from having a single, reliable source for LGA-level data rather than assembling it from multiple inconsistent sources. Government agencies building digital service portals — for land registration, business permits, tax administration — need to present standardized location data to citizens. Integrating NG Data API into these systems ensures that citizens can find their correct administrative unit and that submitted forms route to the right departmental office. **Population Data for Market Research** The demographic component of NG Data API is particularly valuable for market research and business expansion planning. Nigerian startups assessing which LGAs to expand into next can use population data from the API to prioritize high-density areas. Advertisers targeting regional campaigns can weight their spend toward high-population LGAs. Healthcare companies planning clinic rollouts can identify underserved high-population areas. **Integration Pattern for Web Applications** A typical web integration fetches all states on application load and caches them client-side. When a user selects a state, a second API call fetches the LGAs for that state. A third call, triggered on LGA selection, fetches local councils if needed. This progressive-loading pattern keeps initial page load fast while ensuring dropdowns are always populated with fresh, accurate data from the API. **Freemium Model and Scaling** The free tier is generous enough for development, testing, and small-scale production use. As applications grow and API call volumes increase, upgrading to a paid plan provides higher rate limits and access to additional data fields. This makes NG Data API suitable for projects at every stage of the product lifecycle. For any Nigerian developer, NG Data API is one of the most practical location data tools available — purpose-built for the Nigerian context, easy to integrate, and affordable to scale as applications grow.
Kuda Open API
Kuda Open API is the developer platform of Kuda Bank — Nigeria's first fully mobile-only bank, licensed by the Central Bank of Nigeria (CBN). Launched to enable businesses to embed banking infrastructure directly into their products, the Kuda Open API provides access to real Nigerian bank account infrastructure, NIP-powered instant transfers, dynamic virtual accounts, bill payments, and instant settlement capabilities — all through a clean RESTful API backed by one of Nigeria's most trusted and innovative financial institutions. Kuda Bank was founded in 2019 by Babs Ogundeyi and Musty Mustapha, and quickly grew into one of Nigeria's most popular neobanks, with millions of individual users. In 2022–2023, Kuda expanded its infrastructure to businesses through the Open API program, enabling companies to build financial products on top of its licensed banking rails — without needing their own CBN banking license. **What the Kuda Open API Does** The API is designed for businesses that need to move money programmatically within Nigeria. Key capabilities include: - **Bank Transfers**: Send NGN to any Nigerian bank account through the NIP (Nigeria Interbank Payment) system. Available as single transfers or bulk transfer batches, making it ideal for payroll, vendor payments, and mass disbursements. - **Dynamic Virtual Accounts**: Create unique Nigerian bank account numbers (tied to your Kuda business account) that customers can pay to. Payments trigger instant webhook notifications, enabling real-time payment confirmation without manual reconciliation. - **Single-use Account Numbers**: Generate one-time account numbers for specific payment purposes, reducing fraud and simplifying payment attribution. - **Instant Settlement**: Funds received can be settled in near real-time at 0.3% of the transaction value, capped at ₦100 — providing faster cash flow compared to traditional payment cycles. - **Account Verification**: Verify that a bank account name matches the account number before initiating a transfer — a critical fraud-prevention step for Nigerian fintech applications. - **Transaction History & Balances**: Query account balances and full transaction histories programmatically — essential for reconciliation, reporting, and financial dashboards. - **Bill Payments**: Purchase airtime, mobile data, cable TV subscriptions (DSTV, GOtv, Startimes), and electricity prepaid tokens via API, with commission opportunities on each transaction. **Authentication** The Kuda Open API uses API key authentication. Developers register on the Kuda Developer Portal (developer.kuda.com), complete business verification, and receive an API key that is passed as a Bearer token in the Authorization header of all API requests. The sandbox environment is accessible immediately after registration, with production access unlocked after KYB (Know Your Business) verification. **Sandbox Environment** Kuda provides a full sandbox environment that replicates all production capabilities. Developers can test transfers, create virtual accounts, simulate incoming payments, trigger webhook events, and validate account verification flows without moving real money. This makes it safe to develop and test integrations before going live. **Pricing** Kuda's pricing model is flat-fee per transaction — not percentage-based — which is a significant advantage for high-value transactions: - Transfers of ₦0–₦10,000: ₦12 per transaction - Transfers of ₦10,001–₦100,000: ₦10 per transaction - Transfers of ₦100,001–₦400,000: ₦9 per transaction - Transfers above ₦400,001: ₦7 per transaction - Instant settlement: 0.3% of transaction value, capped at ₦100 - Virtual account fee: 0.1% of transaction value (approximately) - No hidden fees — the listed prices are the final prices paid. This flat-fee structure means that a ₦1,000,000 transfer costs exactly ₦7, compared to percentage-based gateways that might charge ₦15,000 for the same transaction. **Nigeria Access & Requirements** To access production APIs, businesses must complete KYB (Know Your Business) verification, which requires: a CAC Certificate of Incorporation or Business Name Registration, BVN and government-issued ID for directors, and an active Nigerian business bank account. Sandbox access requires only registration — no documents needed. **Compliance & Regulatory Standing** Kuda Bank holds a Microfinance Bank licence from the CBN. The Open API inherits this regulatory standing, meaning virtual accounts and transfers executed through the API are backed by a licensed Nigerian financial institution. This is a significant compliance advantage for fintech builders who need to demonstrate regulated banking infrastructure to enterprise clients or regulators. **Challenges & Considerations** While Kuda's pricing model is excellent for high-value transfers, the ₦12 flat fee per low-value transfer can be proportionally high for very small transactions (e.g., ₦12 fee on a ₦100 transfer = 12%). Card payment acceptance is not currently part of the Open API — businesses needing card-based collection still require an additional payment gateway like Paystack or Flutterwave. International transfers and multi-currency account support are also not available. **Frequently Asked Questions** Q: Do I need a CBN license to use the Kuda Open API? A: No. Kuda's CBN Microfinance Bank license covers the banking infrastructure, so your business can offer account and transfer products without obtaining a separate license. Q: Can I use the sandbox without submitting documents? A: Yes. Sandbox registration requires only an email and business details. Full KYB documents are only required before going live. Q: Does Kuda support card payments through the Open API? A: No. The Kuda Open API is focused on bank transfers and virtual accounts, not card acceptance. Q: How fast are NIP transfers? A: NIP transfers are typically instant (within seconds) during normal operating hours. Q: Is Kuda Open API available to businesses outside Nigeria? A: The API is primarily designed for Nigerian-registered businesses. International companies may face restrictions on KYB verification.