13 Best APIs for Transaction History in Nigeria

We've analyzed and compared the top 13 API providers supporting Transaction History 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 Transaction History

5 of 13 selected

Covalent

Pricing
Free: 100 req/min, 4 credits/request. Premium starts at $99/mo with higher limits and dedicated support.
Multi-chain Token Balances
Available
NFT Metadata & Ownership
Available
Transaction History
Available
DeFi Position Data
Available
Log Events Query
Available
DEX Liquidity Pools
Available
Wallet Activity Summary
Available
Historical Portfolio Snapshots
Available
100+ Chain Coverage
Available
USD Price Enrichment
Available
Airtime Top-up
Not available
Data Bundle Purchase
Not available
Multi-Network Support
Not available
Electricity Bills
Not available
Cable TV Subscription
Not available
Internet Services
Not available
Betting Services
Not available
Education Services
Not available
Insurance Payments
Not available
Instant Settlement
Not available
Webhooks
Not available
Sandbox Environment
Not available
Bulk Processing
Not available
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
Data Bundles
Not available
Bulk Top-up
Not available
Instant Delivery
Not available
Customer Support
Not available
Investment Plans
Not available
Savings Goals
Not available
Fixed Returns
Not available
Flexible Withdrawal
Not available
Low Minimum Investment
Not available
Portfolio Management
Not available
Automated Investments
Not available
Real-time Dashboard
Not available
Interest Accrual
Not available
Performance Tracking
Not available
Bank Integration
Not available
Mobile App
Not available
Webhook Support
Not available
Security Features
Not available
Tax Reporting
Not available
Dividend Tracking
Not available
Account Management
Not available
Money Transfers (Bank Account)
Not available
Money Transfers (Paga Account)
Not available
Airtime/Data Purchase
Not available
Utility Bill Payments
Not available
Bulk Transfers (up to 300)
Not available
Direct Debit / Mandate
Not available
Merchant Payments
Not available
Account Balance Check
Not available
Card Payments via Checkout
Not available
International Cross-Border Payouts
Not available
Virtual Accounts
Not available
Buy Cryptocurrency
Not available
Sell Cryptocurrency
Not available
Bitcoin Exchange
Not available
Ethereum Support
Not available
USDT Support
Not available
Multiple Currencies
Not available
Bank Deposits
Not available
Mobile Money
Not available
Card Payments
Not available
Fast Transactions
Not available
Real-time Rates
Not available
Secure Wallets
Not available
API Access
Not available
KYC Verification
Not available
24/7 Support
Not available
Wallet Token Balances
Not available
NFT Portfolio by Wallet
Not available
DeFi Positions
Not available
Token Price Data
Not available
Real-time Streams (Webhooks)
Not available
EVM + Solana Support
Not available
ENS Resolution
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
Payment Processing
Not available
Bank Transfer
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
Order Management
Not available
Real-time Quotes
Not available
Authentication
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 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
Account linking
Not available
Transaction history
Not available
Bank data access
Not available
Bank account data access
Not available
Financial identity verification
Not available
View Details

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%).
Multi-chain Token Balances
Not available
NFT Metadata & Ownership
Not available
Transaction History
Available
DeFi Position Data
Not available
Log Events Query
Not available
DEX Liquidity Pools
Not available
Wallet Activity Summary
Not available
Historical Portfolio Snapshots
Not available
100+ Chain Coverage
Not available
USD Price Enrichment
Not available
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
Real-time Balance
Available
API Documentation
Available
Developer Support
Available
Status Notification
Available
Multiple Payment Methods
Available
Fraud Detection
Available
Data Bundles
Not available
Bulk Top-up
Not available
Instant Delivery
Not available
Customer Support
Not available
Investment Plans
Not available
Savings Goals
Not available
Fixed Returns
Not available
Flexible Withdrawal
Not available
Low Minimum Investment
Not available
Portfolio Management
Not available
Automated Investments
Not available
Real-time Dashboard
Not available
Interest Accrual
Not available
Performance Tracking
Not available
Bank Integration
Not available
Mobile App
Not available
Webhook Support
Not available
Security Features
Not available
Tax Reporting
Not available
Dividend Tracking
Not available
Account Management
Not available
Money Transfers (Bank Account)
Not available
Money Transfers (Paga Account)
Not available
Airtime/Data Purchase
Not available
Utility Bill Payments
Not available
Bulk Transfers (up to 300)
Not available
Direct Debit / Mandate
Not available
Merchant Payments
Not available
Account Balance Check
Not available
Card Payments via Checkout
Not available
International Cross-Border Payouts
Not available
Virtual Accounts
Not available
Buy Cryptocurrency
Not available
Sell Cryptocurrency
Not available
Bitcoin Exchange
Not available
Ethereum Support
Not available
USDT Support
Not available
Multiple Currencies
Not available
Bank Deposits
Not available
Mobile Money
Not available
Card Payments
Not available
Fast Transactions
Not available
Real-time Rates
Not available
Secure Wallets
Not available
API Access
Not available
KYC Verification
Not available
24/7 Support
Not available
Wallet Token Balances
Not available
NFT Portfolio by Wallet
Not available
DeFi Positions
Not available
Token Price Data
Not available
Real-time Streams (Webhooks)
Not available
EVM + Solana Support
Not available
ENS Resolution
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
Payment Processing
Not available
Bank Transfer
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
Order Management
Not available
Real-time Quotes
Not available
Authentication
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 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
Account linking
Not available
Transaction history
Not available
Bank data access
Not available
Bank account data access
Not available
Financial identity verification
Not available
View Details

Vtunaija API

Pricing
Free API access; commission-based transaction fees
Multi-chain Token Balances
Not available
NFT Metadata & Ownership
Not available
Transaction History
Available
DeFi Position Data
Not available
Log Events Query
Not available
DEX Liquidity Pools
Not available
Wallet Activity Summary
Not available
Historical Portfolio Snapshots
Not available
100+ Chain Coverage
Not available
USD Price Enrichment
Not available
Airtime Top-up
Available
Data Bundle Purchase
Not available
Multi-Network Support
Not available
Electricity Bills
Available
Cable TV Subscription
Available
Internet Services
Not available
Betting Services
Not available
Education Services
Not available
Insurance Payments
Not available
Instant Settlement
Not available
Webhooks
Available
Sandbox Environment
Not available
Bulk Processing
Not available
Real-time Balance
Not available
API Documentation
Available
Developer Support
Not available
Status Notification
Not available
Multiple Payment Methods
Not available
Fraud Detection
Not available
Data Bundles
Available
Bulk Top-up
Available
Instant Delivery
Available
Customer Support
Available
Investment Plans
Not available
Savings Goals
Not available
Fixed Returns
Not available
Flexible Withdrawal
Not available
Low Minimum Investment
Not available
Portfolio Management
Not available
Automated Investments
Not available
Real-time Dashboard
Not available
Interest Accrual
Not available
Performance Tracking
Not available
Bank Integration
Not available
Mobile App
Not available
Webhook Support
Not available
Security Features
Not available
Tax Reporting
Not available
Dividend Tracking
Not available
Account Management
Not available
Money Transfers (Bank Account)
Not available
Money Transfers (Paga Account)
Not available
Airtime/Data Purchase
Not available
Utility Bill Payments
Not available
Bulk Transfers (up to 300)
Not available
Direct Debit / Mandate
Not available
Merchant Payments
Not available
Account Balance Check
Not available
Card Payments via Checkout
Not available
International Cross-Border Payouts
Not available
Virtual Accounts
Not available
Buy Cryptocurrency
Not available
Sell Cryptocurrency
Not available
Bitcoin Exchange
Not available
Ethereum Support
Not available
USDT Support
Not available
Multiple Currencies
Not available
Bank Deposits
Not available
Mobile Money
Not available
Card Payments
Not available
Fast Transactions
Not available
Real-time Rates
Not available
Secure Wallets
Not available
API Access
Not available
KYC Verification
Not available
24/7 Support
Not available
Wallet Token Balances
Not available
NFT Portfolio by Wallet
Not available
DeFi Positions
Not available
Token Price Data
Not available
Real-time Streams (Webhooks)
Not available
EVM + Solana Support
Not available
ENS Resolution
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
Payment Processing
Not available
Bank Transfer
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
Order Management
Not available
Real-time Quotes
Not available
Authentication
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 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
Account linking
Not available
Transaction history
Not available
Bank data access
Not available
Bank account data access
Not available
Financial identity verification
Not available
View Details

Cowrywise API

Pricing
Free tier for basic integration; premium plans for higher transaction volumes
Multi-chain Token Balances
Not available
NFT Metadata & Ownership
Not available
Transaction History
Available
DeFi Position Data
Not available
Log Events Query
Not available
DEX Liquidity Pools
Not available
Wallet Activity Summary
Not available
Historical Portfolio Snapshots
Not available
100+ Chain Coverage
Not available
USD Price Enrichment
Not available
Airtime Top-up
Not available
Data Bundle Purchase
Not available
Multi-Network Support
Not available
Electricity Bills
Not available
Cable TV Subscription
Not available
Internet Services
Not available
Betting Services
Not available
Education Services
Not available
Insurance Payments
Not available
Instant Settlement
Not available
Webhooks
Not available
Sandbox Environment
Not available
Bulk Processing
Not available
Real-time Balance
Not available
API Documentation
Available
Developer Support
Not available
Status Notification
Not available
Multiple Payment Methods
Not available
Fraud Detection
Not available
Data Bundles
Not available
Bulk Top-up
Not available
Instant Delivery
Not available
Customer Support
Available
Investment Plans
Available
Savings Goals
Available
Fixed Returns
Available
Flexible Withdrawal
Available
Low Minimum Investment
Available
Portfolio Management
Available
Automated Investments
Available
Real-time Dashboard
Available
Interest Accrual
Available
Performance Tracking
Available
Bank Integration
Available
Mobile App
Available
Webhook Support
Available
Security Features
Available
Tax Reporting
Available
Dividend Tracking
Available
Account Management
Available
Money Transfers (Bank Account)
Not available
Money Transfers (Paga Account)
Not available
Airtime/Data Purchase
Not available
Utility Bill Payments
Not available
Bulk Transfers (up to 300)
Not available
Direct Debit / Mandate
Not available
Merchant Payments
Not available
Account Balance Check
Not available
Card Payments via Checkout
Not available
International Cross-Border Payouts
Not available
Virtual Accounts
Not available
Buy Cryptocurrency
Not available
Sell Cryptocurrency
Not available
Bitcoin Exchange
Not available
Ethereum Support
Not available
USDT Support
Not available
Multiple Currencies
Not available
Bank Deposits
Not available
Mobile Money
Not available
Card Payments
Not available
Fast Transactions
Not available
Real-time Rates
Not available
Secure Wallets
Not available
API Access
Not available
KYC Verification
Not available
24/7 Support
Not available
Wallet Token Balances
Not available
NFT Portfolio by Wallet
Not available
DeFi Positions
Not available
Token Price Data
Not available
Real-time Streams (Webhooks)
Not available
EVM + Solana Support
Not available
ENS Resolution
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
Payment Processing
Not available
Bank Transfer
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
Order Management
Not available
Real-time Quotes
Not available
Authentication
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 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
Account linking
Not available
Transaction history
Not available
Bank data access
Not available
Bank account data access
Not available
Financial identity verification
Not available
View Details

Paga

Pricing
P2P transfers, airtime/data purchases, and loading Paga account: free. Paga to bank transfer: 1.5% of transfer amount (card-funded). Minimum fee ₦10. Custom enterprise pricing available for API partners.
Multi-chain Token Balances
Not available
NFT Metadata & Ownership
Not available
Transaction History
Available
DeFi Position Data
Not available
Log Events Query
Not available
DEX Liquidity Pools
Not available
Wallet Activity Summary
Not available
Historical Portfolio Snapshots
Not available
100+ Chain Coverage
Not available
USD Price Enrichment
Not available
Airtime Top-up
Not available
Data Bundle Purchase
Not available
Multi-Network Support
Not available
Electricity Bills
Not available
Cable TV Subscription
Not available
Internet Services
Not available
Betting Services
Not available
Education Services
Not available
Insurance Payments
Not available
Instant Settlement
Not available
Webhooks
Not available
Sandbox Environment
Not available
Bulk Processing
Not available
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
Data Bundles
Not available
Bulk Top-up
Not available
Instant Delivery
Not available
Customer Support
Not available
Investment Plans
Not available
Savings Goals
Not available
Fixed Returns
Not available
Flexible Withdrawal
Not available
Low Minimum Investment
Not available
Portfolio Management
Not available
Automated Investments
Not available
Real-time Dashboard
Not available
Interest Accrual
Not available
Performance Tracking
Not available
Bank Integration
Not available
Mobile App
Not available
Webhook Support
Not available
Security Features
Not available
Tax Reporting
Not available
Dividend Tracking
Not available
Account Management
Not available
Money Transfers (Bank Account)
Available
Money Transfers (Paga Account)
Available
Airtime/Data Purchase
Available
Utility Bill Payments
Available
Bulk Transfers (up to 300)
Available
Direct Debit / Mandate
Available
Merchant Payments
Available
Account Balance Check
Available
Card Payments via Checkout
Not available
International Cross-Border Payouts
Not available
Virtual Accounts
Not available
Buy Cryptocurrency
Not available
Sell Cryptocurrency
Not available
Bitcoin Exchange
Not available
Ethereum Support
Not available
USDT Support
Not available
Multiple Currencies
Not available
Bank Deposits
Not available
Mobile Money
Not available
Card Payments
Not available
Fast Transactions
Not available
Real-time Rates
Not available
Secure Wallets
Not available
API Access
Not available
KYC Verification
Not available
24/7 Support
Not available
Wallet Token Balances
Not available
NFT Portfolio by Wallet
Not available
DeFi Positions
Not available
Token Price Data
Not available
Real-time Streams (Webhooks)
Not available
EVM + Solana Support
Not available
ENS Resolution
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
Payment Processing
Not available
Bank Transfer
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
Order Management
Not available
Real-time Quotes
Not available
Authentication
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 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
Account linking
Not available
Transaction history
Not available
Bank data access
Not available
Bank account data access
Not available
Financial identity verification
Not available
View Details

← Swipe to compare all 5 APIs →

++++
Covalent

Covalent

Covalent provides a Unified API that abstracts blockchain data across more than 100 networks under a single, consistent API structure. Rather than building separate integrations for Ethereum, BNB Chain, Polygon, Avalanche, Arbitrum, Optimism, and dozens of other EVM and non-EVM chains, Nigerian developers can use one API with one key and one endpoint pattern to query any supported network. This dramatically reduces the development time for multi-chain applications — a growing necessity as Nigerian crypto users hold assets across multiple blockchains. Nigeria's crypto-savvy population increasingly operates across chains: trading on Ethereum DEXes, farming yield on BSC, minting NFTs on Polygon, and bridging assets between chains for better gas costs. Any application serving Nigerian users in 2024 and beyond must handle multi-chain data. Covalent is purpose-built for this use case — the same endpoint structure works across all chains, just by swapping the chain_id parameter. The Get Token Balances endpoint (/v1/{chain_id}/address/{address}/balances_v2/) is Covalent's signature feature. It returns every token held by a wallet address — native asset, ERC-20 tokens, and LP tokens — along with current USD prices, logos, and token decimals. For Nigerian wallet apps, this single endpoint can power an entire portfolio overview screen that displays all holdings with current values, without requiring separate price API calls or token metadata lookups. The Get NFT Balances endpoint returns all NFTs held by an address with full metadata: image URL, traits, collection name, floor price, and ownership history. For Nigerian NFT projects and marketplaces, this provides a complete NFT portfolio view without needing to query individual contract APIs or maintain a separate NFT metadata database. The Get Transactions endpoint returns the full transaction history for a wallet, enriched with decoded log events and value transfers. Covalent parses raw Ethereum log data into human-readable decoded events — for example, a Uniswap swap shows up as "Swapped 0.5 ETH for 900 USDC" rather than raw hex log data. This decoded enrichment makes it far easier for Nigerian developers to build transaction history displays. Class A endpoints (token balances, transactions, NFTs) are available on all chains. Class B endpoints provide protocol-specific data for major DeFi protocols: Uniswap, Aave, Compound, Curve, and others. These return user positions, liquidity pool data, and protocol-specific metrics that go beyond generic blockchain data. The Log Events by Topic Hash endpoint enables querying contract events across an entire blockchain by topic, with pagination — effectively enabling blockchain-wide event indexing without running infrastructure. Nigerian developers building analytics tools or protocol monitoring dashboards can use this to track all swaps on a DEX, all mints of an NFT collection, or all liquidations on a lending protocol. The free tier provides 100 requests per minute and covers all Class A endpoints. Premium plans starting at $99/month unlock higher rate limits, Class B DeFi endpoints at higher volumes, and dedicated support. Covalent's credit-based billing means complex queries that return large amounts of data cost more credits than simple queries, providing a fair usage model. API keys are obtained free at covalenthq.com, and no credit card is required to start building.

++++
VTpass API

VTpass API

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

++++
Vtunaija API

Vtunaija API

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

++++
Cowrywise API

Cowrywise API

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

++++
Paga

Paga

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

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Yellow Card API

Yellow Card API

African cryptocurrency on/off-ramp platform with strong peer-to-peer (P2P) focus and merchant payment APIs. Yellow Card specializes in fiat-to-crypto and crypto-to-fiat conversions across Africa with excellent user experience. Provides merchant and API integrations for businesses wanting to accept and process cryptocurrencies across African markets.

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Moralis

Moralis

Moralis is a Web3 data API platform that provides pre-indexed blockchain data through simple REST API calls, eliminating the need for developers to build and maintain custom blockchain data indexing infrastructure. Instead of running a full node and writing custom scripts to parse and store blockchain events, Nigerian Web3 developers can call Moralis endpoints to retrieve pre-processed, structured data — wallet token balances, NFT portfolios, transaction histories, DeFi positions, and token prices — across multiple blockchains with millisecond response times. The fundamental challenge that Moralis solves is blockchain data access. Raw blockchain nodes provide event logs and state data in a low-level format that requires significant parsing and indexing work to transform into useful application data. Fetching all ERC-20 tokens held by a wallet address requires calling balanceOf on every token contract — impractical at scale. Fetching all NFTs owned by a wallet requires indexing every Transfer event across every NFT contract. Building this infrastructure from scratch takes weeks or months. Moralis has already built this indexing layer and exposes it through clean REST endpoints. Wallet API is the foundation — a single API call retrieves all native tokens (ETH, MATIC, BNB), all ERC-20 tokens with balances and USD values, and metadata for any wallet address across multiple chains simultaneously. This is the core of any portfolio tracking application. For Nigerian crypto users tracking their multi-chain holdings, Moralis provides the data layer that makes this possible without custom indexing. NFT API retrieves all NFTs owned by a wallet address, with metadata (name, description, image URL, attributes), collection information, current floor price, and transfer history. Building a Nigerian NFT gallery or NFT-gated application requires knowing which NFTs a user holds — Moralis provides this in one API call that would otherwise require custom event log indexing across thousands of NFT contract addresses. Transaction History API provides complete transaction history for any wallet — native transfers, ERC-20 token transfers, NFT transfers, internal transactions, and decoded smart contract interactions. For Nigerian blockchain applications showing users their transaction history, this eliminates the need to build custom transaction indexing and provides clean, decoded data rather than raw event logs. DeFi Positions API shows a wallet's current positions across major DeFi protocols — Uniswap, Aave, Compound, Curve, and others — including supplied assets, borrowed amounts, liquidity pool shares, and yield farming positions. For Nigerian DeFi users managing complex positions across protocols, a unified dashboard showing all DeFi exposure in one view requires exactly this cross-protocol position aggregation. Token Price API provides real-time and historical token prices sourced from on-chain liquidity (DEX pricing) for any ERC-20 token, including long-tail tokens not listed on major price aggregators. This is valuable for Nigerian DeFi applications displaying portfolio values and PnL calculations. Moralis Streams API provides real-time webhook notifications for blockchain events — address activity, token transfers, NFT mints, smart contract events — across all supported chains. Nigerian applications that need to react in real-time to on-chain events (payment receipt confirmation, NFT transfer, DeFi event) use Streams instead of polling. Chain support covers Ethereum, Polygon, BNB Smart Chain, Avalanche, Fantom, Cronos, Arbitrum, Optimism, and Solana. The breadth of coverage reflects the multi-chain reality of the current NFT and DeFi ecosystems where Nigerian users operate. The free tier (40,000 API calls per month) is sufficient for small production applications. For Nigerian developers building portfolio trackers, NFT marketplaces, DeFi dashboards, or any application requiring aggregated wallet data, Moralis dramatically reduces development time compared to building custom indexing from scratch.

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Busha Commerce API

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.

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Klasha API

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.

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Luno API

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.

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Kuda Open API

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.

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FCMB Open Banking API

FCMB Open Banking API

FCMB (First City Monument Bank) provides Open Banking APIs enabling account linking, transaction history, and bank data access. FCMB was an early open banking participant in Nigeria. Nigerian fintechs use FCMB Open Banking APIs for account connectivity and data access.

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Okra API

Okra API

Open finance API platform for accessing customer financial data from Nigerian banks. Okra enables developers to build financial applications with access to bank account data, transaction history, and financial identity verification. Provides seamless integration with Nigerian banking system for wealth management, lending, and fintech applications.