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Moniepoint
Moniepoint is Africa's all-in-one financial platform for small and medium-sized businesses and individuals — Nigeria's largest merchant acquirer, with about 10 million business and individual accounts, $17B in monthly transaction volume, and 26M daily payments processed. Founded as TeamApt and rebranded under the Moniepoint name, the company became Africa's most valuable fintech unicorn after a 2024 raise led by Google, then expanded into Kenya and cross-border payments. The Monnify developer platform exposes the rails to third parties through a comprehensive REST API for authentication, collections (cards, bank transfer, USSD, reserved accounts), disbursements (single and bulk NIP), sub-accounts and settlement, direct-debit mandates, invoices, bills payment, KYC verification, wallets, refunds, and signed webhooks; the separate Moniepoint POS API enables push payments to registered terminals. Underlying products also include business bank accounts, working-capital credit, expense cards, and business-management tools.
14 APIs17 Capabilities20 Features
Africa Nigeria Payments Banking Fintech Acquiring POS Collections Disbursements Virtual Accounts Direct Debit Bills Payment SMB Working Capital Unicorn
Moniepoint publishes 13 APIs on the APIs.io network, including Monnify Authentication API, Monnify Collections API, Monnify Reserved Accounts API, and 10 more. Tagged areas include Africa, Nigeria, Payments, Banking, and Fintech.
The Moniepoint catalog on APIs.io includes 17 machine-runnable capabilities , 1 JSON-LD context, and 1 Spectral governance ruleset.
Moniepoint’s developer surface includes developer portal, documentation, getting-started guide, changelog, engineering blog, support, training material, and 30 more developer resources.
Exchange Monnify API key and secret credentials (Basic auth) for a short-lived Bearer access token via POST /api/v1/auth/login. The returned accessToken plus expiresIn drives ev...
Initialize one-time payment transactions, accept card payments with 3-D Secure / OTP authorization, charge tokenized cards, complete bank-transfer payments, and look up transact...
Programmatically provision permanent NUBAN virtual accounts (dedicated and one-time invoice variants) for customers and merchants. Supports income-split configuration to multipl...
Initiate single and bulk NIP transfers to any Nigerian bank account, with two-factor OTP authorization, wallet-balance lookup, transfer status, list/search, and resend-OTP. As o...
Create and manage settlement sub-accounts representing third parties that should receive a configured percentage of each transaction (marketplaces, multi-tenant platforms, franc...
Create, activate, and debit recurring NIBSS direct-debit mandates against a customer's bank account. Smart routing uses TeamApt as the primary processor with NIBSS as fallback f...
Create static and dynamic invoices that generate hosted payment pages and unique reserved accounts. Supports invoice listing, status lookup, and cancellation. Backs Monnify's in...
Unified Biller Service for purchasing airtime and data, paying electricity and cable-TV bills, funding betting wallets, and paying education fees. List categories, billers, and ...
Validate a Nigerian bank account number (Name Inquiry), match a Bank Verification Number (BVN) against an account, and verify National Identification Numbers (NIN). Critical for...
Create wallets and sub-wallets, query main and disbursement balances, list transactions, and pull statements. Used to fund disbursement operations and to model end-user wallets ...
Initiate full or partial refunds against a successful collection, list refunds, and look up refund status. Refund events emit successful_refund / failed_refund webhooks for asyn...
Retrieve settlement information for collected funds — settlement batches per merchant or sub-account, settlement transactions, and settlement bank details. Backs reconciliation ...
Asynchronous server-to-server notifications for nine event categories — successful collection, successful / failed / reversed disbursement, successful / failed refund, settlemen...
Push payment-request flow for Moniepoint POS terminals. ISV partners send an authenticated push to a registered terminal serial number; the merchant taps to accept and the termi...
Run Capabilities with Naftiko — Deploy and orchestrate these API capabilities using Naftiko Fleet.
Run with Naftiko
Exchange Monnify API key and secret credentials for a short-lived Bearer access token via POST /api/v1/auth/login. Self-contained Naftiko capability covering one Monnify busines...
Run with Naftiko
Unified biller service for airtime, data, electricity, cable TV, betting, and education — list categories, billers, items; validate customer; process bill; check status. Self-co...
Run with Naftiko
Server-to-server card capture, OTP authorization, and tokenized card charges across the Monnify Collections API. Self-contained Naftiko capability covering one Monnify business ...
Run with Naftiko
Initialize transactions, complete bank-transfer collections, and look up transaction status across the Monnify Collections API. Self-contained Naftiko capability covering one Mo...
Run with Naftiko
Debit an active direct-debit mandate, including optional incomeSplit (April 2026) to settle into sub-accounts. Self-contained Naftiko capability covering one Monnify business su...
Run with Naftiko
Create, activate, fetch, and cancel direct-debit mandates against a customer's bank account. Self-contained Naftiko capability covering one Monnify business surface.
Run with Naftiko
Initiate bulk NIP transfers and look up batch summary and per-item status. Self-contained Naftiko capability covering one Monnify business surface.
Run with Naftiko
Initiate single NIP transfers with name-inquiry pre-flight, authorize via OTP, query status, and list transfers. Self-contained Naftiko capability covering one Monnify business ...
Run with Naftiko
Create static and dynamic invoices, fetch, list, and cancel invoices via the Monnify Invoice API. Self-contained Naftiko capability covering one Monnify business surface.
Run with Naftiko
Push a payment request to a registered Moniepoint POS terminal serial number and query its status. Self-contained Naftiko capability covering one Moniepoint POS business surface.
Run with Naftiko
Initiate, list, and look up refunds against successful collections; emits successful_refund / failed_refund webhooks. Self-contained Naftiko capability covering one Monnify busi...
Run with Naftiko
Provision permanent NUBAN virtual accounts (V2) for customers; update KYC, fetch details, and deallocate. Self-contained Naftiko capability covering one Monnify business surface.
Run with Naftiko
Create per-account transaction limit profiles and assign them to reserved accounts. Self-contained Naftiko capability covering one Monnify business surface.
Run with Naftiko
Retrieve settlement batches and the transactions included in each daily settlement payout. Self-contained Naftiko capability covering one Monnify business surface.
Run with Naftiko
Create, update, list, and delete Monnify sub-accounts used for split settlement. Self-contained Naftiko capability covering one Monnify business surface.
Run with Naftiko
Validate Nigerian bank accounts (Name Inquiry), match BVN to bank account, and verify NIN. Self-contained Naftiko capability covering one Monnify business surface.
Run with Naftiko
Create wallets, query balance and transactions, and pull wallet activity for disbursement and end-user wallets. Self-contained Naftiko capability covering one Monnify business s...
Run with Naftiko
Run Capabilities with Naftiko — Deploy and orchestrate these API capabilities using Naftiko Fleet.
Run with Naftiko
Africa's largest merchant acquirer — ~10M business and individual accounts, $17B monthly TPV, 26M daily payments processed
POS terminal acquiring across Nigeria for in-person card and bank-transfer collections
Monnify developer platform (formerly TeamApt) — embedded payments, banking, and disbursements for Nigerian businesses
Collections API with Monnify Checkout, server-to-server card capture (3-D Secure / OTP), pay-with-transfer, and USSD
Permanent NUBAN virtual accounts (Reserved Accounts) with V2 limit profiles, KYC, and income-split routing
Single and bulk NIP transfers with mandatory name-inquiry pre-flight (April 2026) and sender-information support
Sub-accounts for marketplaces, franchises, and multi-tenant settlement with per-transaction split percentages
Direct-debit mandates with smart routing (TeamApt primary, NIBSS fallback) and incomeSplit on debit
Static and dynamic invoices with hosted payment pages and per-invoice reserved accounts
Unified Bills Payment service — airtime, data, electricity, cable TV, betting, education
Verification services — bank account name inquiry, BVN-account match, NIN verification
Wallet APIs for main and sub-wallet balances, statements, and transactions
HMAC-SHA-512 signed webhooks across nine event categories including new low_balance_alert (Sept 2025)
Sandbox environment at sandbox.monnify.com with separate API key / secret pair
OAuth-style flow — Basic auth to /api/v1/auth/login returns short-lived Bearer accessToken
Standard response envelope { requestSuccessful, responseMessage, responseCode, responseBody }
Community SDKs and wrappers for PHP, Laravel, Python; official Dart utility library (dart-flow)
Moniepoint POS Push Payment API for ISV-initiated payments to registered terminal serial numbers
Working-capital credit, business bank accounts, expense cards, and bookkeeping tools alongside the payments rails
Cross-border payments and Kenya expansion (2024-2026) extending the Nigerian core
0 classes · 7 properties
JSON-LD
9 rules ·
5 errors
3 warnings
SPECTRAL
Sources
aid: moniepoint
url: https://raw.githubusercontent.com/api-evangelist/moniepoint/refs/heads/main/apis.yml
apis:
- aid: moniepoint:monnify-authentication-api
name: Monnify Authentication API
tags:
- Authentication
- OAuth
- Tokens
humanURL: https://developers.monnify.com/docs/getting-started/authentication
properties:
- url: https://developers.monnify.com/docs/getting-started/authentication
type: Documentation
- url: openapi/monnify-authentication-api-openapi.yml
type: OpenAPI
- type: NaftikoCapability
url: capabilities/authentication-login.yaml
description: Exchange Monnify API key and secret credentials (Basic auth) for a short-lived Bearer access
token via POST /api/v1/auth/login. The returned accessToken plus expiresIn drives every other Monnify
API call. Tokens expire after one hour and must be re-issued; client code typically caches and refreshes
on demand.
- aid: moniepoint:monnify-collections-api
name: Monnify Collections API
tags:
- Collections
- Payments
- Cards
- Bank Transfer
- USSD
- QR
humanURL: https://developers.monnify.com/docs/collections
properties:
- url: https://developers.monnify.com/docs/collections
type: Documentation
- url: openapi/monnify-collections-api-openapi.yml
type: OpenAPI
- url: json-schema/monnify-transaction-schema.json
type: JSONSchema
- url: json-ld/moniepoint-context.jsonld
type: JSONLD
- type: NaftikoCapability
url: capabilities/collections-transactions.yaml
- type: NaftikoCapability
url: capabilities/collections-cards.yaml
description: Initialize one-time payment transactions, accept card payments with 3-D Secure / OTP
authorization, charge tokenized cards, complete bank-transfer payments, and look up transaction status.
Powers the Monnify Checkout, server-to-server card capture, and pay-with-transfer flows used by Nigerian
merchants. Endpoints under /api/v1/merchant/transactions/ and /api/v1/sdk/transactions/.
- aid: moniepoint:monnify-reserved-accounts-api
name: Monnify Reserved Accounts API
tags:
- Reserved Accounts
- Virtual Accounts
- Bank Transfer
- KYC
- Limits
humanURL: https://developers.monnify.com/docs/collections/customer-reserved-account
properties:
- url: https://developers.monnify.com/docs/collections/customer-reserved-account
type: Documentation
- url: openapi/monnify-reserved-accounts-api-openapi.yml
type: OpenAPI
- url: json-schema/monnify-reserved-account-schema.json
type: JSONSchema
- type: NaftikoCapability
url: capabilities/reserved-accounts-accounts.yaml
- type: NaftikoCapability
url: capabilities/reserved-accounts-limits.yaml
description: Programmatically provision permanent NUBAN virtual accounts (dedicated and one-time invoice
variants) for customers and merchants. Supports income-split configuration to multiple sub-accounts,
KYC updates (BVN / NIN), allowed-source-account restriction, deallocation, transaction history, and
per-account limit profiles. V2 endpoints under /api/v2/bank-transfer/reserved-accounts/.
- aid: moniepoint:monnify-disbursements-api
name: Monnify Disbursements API
tags:
- Disbursements
- Transfers
- Payouts
- NIP
- Bulk
humanURL: https://developers.monnify.com/docs/disbursements
properties:
- url: https://developers.monnify.com/docs/disbursements
type: Documentation
- url: https://developers.monnify.com/docs/disbursements/single-transfers
type: Documentation
- url: https://developers.monnify.com/docs/disbursements/bulk-transfers
type: Documentation
- url: openapi/monnify-disbursements-api-openapi.yml
type: OpenAPI
- url: json-schema/monnify-transfer-schema.json
type: JSONSchema
- type: NaftikoCapability
url: capabilities/disbursements-single.yaml
- type: NaftikoCapability
url: capabilities/disbursements-bulk.yaml
description: Initiate single and bulk NIP transfers to any Nigerian bank account, with two-factor OTP
authorization, wallet-balance lookup, transfer status, list/search, and resend-OTP. As of April 2026
the request flow follows Name Inquiry → Disbursement Request and requires a verified beneficiary
account name. Sender-information object supported since October 2025. Endpoints under
/api/v2/disbursements/single, /api/v2/disbursements/bulk, /api/v2/disbursements/wallet-balance.
- aid: moniepoint:monnify-sub-accounts-api
name: Monnify Sub-Accounts API
tags:
- Sub-Accounts
- Settlement
- Split Payments
humanURL: https://developers.monnify.com/docs/sub-accounts
properties:
- url: https://developers.monnify.com/docs/sub-accounts
type: Documentation
- url: openapi/monnify-sub-accounts-api-openapi.yml
type: OpenAPI
- type: NaftikoCapability
url: capabilities/sub-accounts-sub-accounts.yaml
description: Create and manage settlement sub-accounts representing third parties that should receive
a configured percentage of each transaction (marketplaces, multi-tenant platforms, franchise
networks). Settlement bank, split percentage, default flag, and per-call income-split configuration.
Endpoints under /api/v1/sub-accounts.
- aid: moniepoint:monnify-direct-debit-api
name: Monnify Direct Debit API
tags:
- Direct Debit
- Mandates
- Recurring Payments
- NIBSS
humanURL: https://developers.monnify.com/docs/direct-debit
properties:
- url: https://developers.monnify.com/docs/direct-debit
type: Documentation
- url: openapi/monnify-direct-debit-api-openapi.yml
type: OpenAPI
- type: NaftikoCapability
url: capabilities/direct-debit-mandates.yaml
- type: NaftikoCapability
url: capabilities/direct-debit-debit.yaml
description: Create, activate, and debit recurring NIBSS direct-debit mandates against a customer's
bank account. Smart routing uses TeamApt as the primary processor with NIBSS as fallback for
improved success rates. Supports incomeSplit on mandate-debit to settle into multiple
sub-accounts. Endpoints under /api/v1/direct-debit/mandate/ and /api/v1/direct-debit/mandate/debit.
- aid: moniepoint:monnify-invoices-api
name: Monnify Invoices API
tags:
- Invoices
- Billing
- Static
- Dynamic
humanURL: https://developers.monnify.com/docs/invoices
properties:
- url: https://developers.monnify.com/docs/invoices
type: Documentation
- url: openapi/monnify-invoices-api-openapi.yml
type: OpenAPI
- type: NaftikoCapability
url: capabilities/invoices-invoices.yaml
description: Create static and dynamic invoices that generate hosted payment pages and unique reserved
accounts. Supports invoice listing, status lookup, and cancellation. Backs Monnify's invoicing
dashboard and embedded invoicing in business-management apps. Endpoints under /api/v1/invoice.
- aid: moniepoint:monnify-bills-payment-api
name: Monnify Bills Payment API
tags:
- Bills
- Airtime
- Data
- Electricity
- Cable TV
- Betting
humanURL: https://developers.monnify.com/docs/bills-payment
properties:
- url: https://developers.monnify.com/docs/bills-payment
type: Documentation
- url: openapi/monnify-bills-payment-api-openapi.yml
type: OpenAPI
- type: NaftikoCapability
url: capabilities/bills-payment-bills.yaml
description: Unified Biller Service for purchasing airtime and data, paying electricity and cable-TV
bills, funding betting wallets, and paying education fees. List categories, billers, and biller
items; validate the customer; process the bill; check status. Endpoints under
/api/v1/bill-payment/.
- aid: moniepoint:monnify-verification-api
name: Monnify Verification API
tags:
- Verification
- BVN
- NIN
- Bank Account
- KYC
humanURL: https://developers.monnify.com/docs/verification
properties:
- url: https://developers.monnify.com/docs/verification
type: Documentation
- url: openapi/monnify-verification-api-openapi.yml
type: OpenAPI
- type: NaftikoCapability
url: capabilities/verification-verifications.yaml
description: Validate a Nigerian bank account number (Name Inquiry), match a Bank Verification
Number (BVN) against an account, and verify National Identification Numbers (NIN). Critical for
KYC, disbursement beneficiary checks, and fraud prevention. Endpoints under
/api/v1/disbursements/account/validate, /api/v1/vas/bvn-account-match, and /api/v1/vas/verify-nin.
- aid: moniepoint:monnify-wallets-api
name: Monnify Wallets API
tags:
- Wallets
- Balance
- Statements
- Sub-Wallets
humanURL: https://developers.monnify.com/docs/wallets
properties:
- url: https://developers.monnify.com/docs/wallets
type: Documentation
- url: openapi/monnify-wallets-api-openapi.yml
type: OpenAPI
- type: NaftikoCapability
url: capabilities/wallets-wallets.yaml
description: Create wallets and sub-wallets, query main and disbursement balances, list transactions,
and pull statements. Used to fund disbursement operations and to model end-user wallets for
business-management products. Endpoints under /api/v1/disbursements/wallet-balance and
/api/v1/disbursements/wallet.
- aid: moniepoint:monnify-refunds-api
name: Monnify Refunds API
tags:
- Refunds
- Reversals
- Disputes
humanURL: https://developers.monnify.com/docs/refunds
properties:
- url: https://developers.monnify.com/docs/refunds
type: Documentation
- url: openapi/monnify-refunds-api-openapi.yml
type: OpenAPI
- type: NaftikoCapability
url: capabilities/refunds-refunds.yaml
description: Initiate full or partial refunds against a successful collection, list refunds, and
look up refund status. Refund events emit successful_refund / failed_refund webhooks for
asynchronous reconciliation. Endpoints under /api/v1/refunds.
- aid: moniepoint:monnify-settlements-api
name: Monnify Settlements API
tags:
- Settlement
- Payouts
- Reporting
humanURL: https://developers.monnify.com/docs/settlements
properties:
- url: https://developers.monnify.com/docs/settlements
type: Documentation
- url: openapi/monnify-settlements-api-openapi.yml
type: OpenAPI
- type: NaftikoCapability
url: capabilities/settlements-settlements.yaml
description: Retrieve settlement information for collected funds — settlement batches per merchant
or sub-account, settlement transactions, and settlement bank details. Backs reconciliation of
daily settlement payouts into the merchant's external bank account. Endpoints under
/api/v1/transactions/find-by-settlement-reference and /api/v1/settlements.
- aid: moniepoint:monnify-webhooks
name: Monnify Webhooks
tags:
- Webhooks
- Events
- HMAC
- SHA-512
humanURL: https://developers.monnify.com/docs/webhooks
properties:
- url: https://developers.monnify.com/docs/webhooks
type: Documentation
- url: json-schema/monnify-webhook-schema.json
type: JSONSchema
description: Asynchronous server-to-server notifications for nine event categories — successful
collection, successful / failed / reversed disbursement, successful / failed refund, settlement
completion, mandate status change, wallet activity, and low_balance_alert (added September 2025).
Every payload includes a monnify-signature header computed as HMAC-SHA-512 of the stringified
request body using the client secret. Standard envelope { eventType, eventData }.
- aid: moniepoint:moniepoint-pos-api
name: Moniepoint POS Push Payment API
tags:
- POS
- Terminals
- Push Payments
- Acquiring
humanURL: https://docs.pos.moniepoint.com
properties:
- url: https://docs.pos.moniepoint.com
type: Documentation
- url: https://teamapt.atlassian.net/wiki/spaces/EI/pages/1039826999/Push+Payment+Request+API+Reference
type: Documentation
- url: https://teamapt.atlassian.net/wiki/spaces/EI/pages/1042120729/API+Client+Credentials
type: Documentation
- url: openapi/moniepoint-pos-api-openapi.yml
type: OpenAPI
- type: NaftikoCapability
url: capabilities/pos-push-payment.yaml
description: Push payment-request flow for Moniepoint POS terminals. ISV partners send an authenticated
push to a registered terminal serial number; the merchant taps to accept and the terminal completes
a card or transfer collection routed through Moniepoint's acquiring rails. Authentication uses an
API client ID / secret pair issued through the Moniepoint Business dashboard.
name: Moniepoint
tags:
- Africa
- Nigeria
- Payments
- Banking
- Fintech
- Acquiring
- POS
- Collections
- Disbursements
- Virtual Accounts
- Direct Debit
- Bills Payment
- SMB
- Working Capital
- Unicorn
kind: contract
image: https://kinlane-productions2.s3.amazonaws.com/apis-json/apis-json-logo.jpg
access: 3rd-Party
common:
- type: Portal
url: https://moniepoint.com
- type: Portal
url: https://developers.monnify.com
name: Monnify Developer Portal
- type: Documentation
url: https://developers.monnify.com/api
name: Monnify API Reference
- type: Documentation
url: https://docs.pos.moniepoint.com
name: Moniepoint POS API Documentation
- type: Documentation
url: https://teamapt.atlassian.net/wiki/spaces/MON/pages
name: Monnify Confluence Archive
- type: Documentation
url: https://teamapt.atlassian.net/wiki/spaces/EI/pages
name: Moniepoint POS Developer Support (Confluence)
- type: GettingStarted
url: https://developers.monnify.com/docs/getting-started
- type: ChangeLog
url: https://developers.monnify.com/docs/change-logs
- type: Blog
url: https://developers.monnify.com/blog
name: Monnify Developer Blog
- type: Blog
url: https://engineering.moniepoint.com
name: Moniepoint Engineering Blog
- type: Blog
url: https://moniepoint.com/blog
- type: Press
url: https://moniepoint.com/press
- type: Support
url: https://support.moniepoint.com
- type: Training
url: https://learning.moniepoint.com
- type: TrustCenter
url: https://trust.moniepoint.com
- type: PrivacyPolicy
url: https://moniepoint.com/ng/privacy-policy
- type: TermsOfService
url: https://moniepoint.com/ng/terms-of-service
- type: SignUp
url: https://app.monnify.com/create-account
name: Monnify Sign Up
- type: SignUp
url: https://app.moniepoint.com/signup
name: Moniepoint Business Sign Up
- type: Sandbox
url: https://sandbox.monnify.com
- type: GitHubOrganization
url: https://github.com/Moniepoint
- type: LinkedIn
url: https://www.linkedin.com/company/moniepoint
- type: Twitter
url: https://twitter.com/moniepointNG
- type: Careers
url: https://moniepoint.com/careers
- type: SDK
url: https://github.com/Moniepoint/dart-flow
name: dart-flow (Dart async stream library)
- type: SDK
url: https://github.com/cla-bit/MonnifyEase
name: MonnifyEase (community Python wrapper)
- type: SDK
url: https://github.com/abdsalam/laravel-monnify
name: Laravel Monnify (community)
- type: Webhooks
url: https://developers.monnify.com/docs/webhooks
- type: Errors
url: https://developers.monnify.com/docs/getting-started/errors
- type: Authentication
url: https://developers.monnify.com/docs/getting-started/authentication
- type: RateLimits
url: https://developers.monnify.com/docs/rate-limits
- type: Versioning
url: https://developers.monnify.com/docs/getting-started/versioning
- type: Plans
url: plans/moniepoint-plans-pricing.yml
- type: RateLimits
url: rate-limits/moniepoint-rate-limits.yml
- type: FinOps
url: finops/moniepoint-finops.yml
- type: Vocabulary
url: vocabulary/moniepoint-vocabulary.yml
- type: Rules
url: rules/moniepoint-rules.yml
- type: Features
data:
- Africa's largest merchant acquirer — ~10M business and individual accounts, $17B monthly TPV, 26M daily payments processed
- POS terminal acquiring across Nigeria for in-person card and bank-transfer collections
- Monnify developer platform (formerly TeamApt) — embedded payments, banking, and disbursements for Nigerian businesses
- Collections API with Monnify Checkout, server-to-server card capture (3-D Secure / OTP), pay-with-transfer, and USSD
- Permanent NUBAN virtual accounts (Reserved Accounts) with V2 limit profiles, KYC, and income-split routing
- Single and bulk NIP transfers with mandatory name-inquiry pre-flight (April 2026) and sender-information support
- Sub-accounts for marketplaces, franchises, and multi-tenant settlement with per-transaction split percentages
- Direct-debit mandates with smart routing (TeamApt primary, NIBSS fallback) and incomeSplit on debit
- Static and dynamic invoices with hosted payment pages and per-invoice reserved accounts
- Unified Bills Payment service — airtime, data, electricity, cable TV, betting, education
- Verification services — bank account name inquiry, BVN-account match, NIN verification
- Wallet APIs for main and sub-wallet balances, statements, and transactions
- HMAC-SHA-512 signed webhooks across nine event categories including new low_balance_alert (Sept 2025)
- Sandbox environment at sandbox.monnify.com with separate API key / secret pair
- OAuth-style flow — Basic auth to /api/v1/auth/login returns short-lived Bearer accessToken
- Standard response envelope { requestSuccessful, responseMessage, responseCode, responseBody }
- Community SDKs and wrappers for PHP, Laravel, Python; official Dart utility library (dart-flow)
- Moniepoint POS Push Payment API for ISV-initiated payments to registered terminal serial numbers
- Working-capital credit, business bank accounts, expense cards, and bookkeeping tools alongside the payments rails
- Cross-border payments and Kenya expansion (2024-2026) extending the Nigerian core
sources:
- https://moniepoint.com
- https://developers.monnify.com
- https://developers.monnify.com/api
- https://developers.monnify.com/docs/change-logs
- https://developers.monnify.com/docs/webhooks
- https://docs.pos.moniepoint.com
- https://github.com/Moniepoint
- https://moniepoint.com/payments
updated: '2026-05-24'
created: '2026-05-24T00:00:00.000Z'
modified: '2026-05-24'
position: Consuming
description: Moniepoint is Africa's all-in-one financial platform for small and medium-sized businesses
and individuals — Nigeria's largest merchant acquirer, with about 10 million business and individual
accounts, $17B in monthly transaction volume, and 26M daily payments processed. Founded as TeamApt and
rebranded under the Moniepoint name, the company became Africa's most valuable fintech unicorn after
a 2024 raise led by Google, then expanded into Kenya and cross-border payments. The Monnify developer
platform exposes the rails to third parties through a comprehensive REST API for authentication,
collections (cards, bank transfer, USSD, reserved accounts), disbursements (single and bulk NIP),
sub-accounts and settlement, direct-debit mandates, invoices, bills payment, KYC verification,
wallets, refunds, and signed webhooks; the separate Moniepoint POS API enables push payments to
registered terminals. Underlying products also include business bank accounts, working-capital credit,
expense cards, and business-management tools.
maintainers:
- FN: Kin Lane
email: [email protected]
X: apievangelist
url: https://apievangelist.com
specificationVersion: '0.16'
