Onafriq

aid: onafriq
name: Onafriq
description: >-
  Onafriq (formerly MFS Africa) is a pan-African digital payments network
  headquartered in London with operating entities across Mauritius, Ghana,
  Nigeria, Tanzania, Rwanda, Uganda, the DRC, and the UK. Founded by CEO Dare
  Okoudjou, Onafriq operates what it calls "Africa's largest digital payments
  gateway" — a network of networks connecting roughly one billion mobile money
  wallets and 500 million bank accounts across 40+ African countries through
  2,000+ cross-border corridors. The platform exposes a REST API surface for
  partners including Money Transfer Organizations (MTOs), Mobile Network
  Operators (MNOs), banks, NGOs, governments, and enterprises. Core developer
  products include Async Payouts (the recommended path for MTOs and bulk
  disbursement partners, with webhook-based status updates), Sync Payouts
  (custom-built for MNOs requiring synchronous responses), Sync Bank Transfers,
  Collections APIs (Payins) for receiving funds from cards, cash agents, and
  mobile wallets, a Contacts API for managing payer/payee records, a Get Rates
  API for daily foreign exchange rates, and Async Webhooks for Instant Payment
  Notifications. Two distinct portal endpoints serve domestic
  (api.mfsafrica.com/api) and cross-border (mfsafrica.beyonicpartners.com/api)
  workloads. Beyond cross-border remittance and disbursement, Onafriq operates
  Baxi — a Nigerian agent banking network of 460,000+ agents across all 36
  states with its own Virtual Account, Fingerprint, and Account Debit APIs —
  plus card issuance and processing for physical/virtual prepaid programs and
  multi-currency treasury services. Onafriq has raised $200M+ in Series C
  funding from Vitruvian Partners, AXA Investment Managers, and Goodwell, and
  holds 16 payment licenses including FSC (Mauritius) and FCA (UK) authorization.
  The legacy MFS Africa developer hub (developer.mfsafrica.com) remains the
  canonical reference documentation, with a newer developers.onafriq.com portal
  reflecting the post-rebrand identity.
type: Index
position: Provider
access: 3rd-Party
image: https://kinlane-productions.s3.amazonaws.com/apis-json/apis-json-logo.jpg
tags:
  - Payments
  - Mobile Money
  - Remittance
  - Cross-Border Payments
  - Disbursements
  - Payouts
  - Collections
  - Bank Transfers
  - Card Issuance
  - Agent Banking
  - Treasury
  - Foreign Exchange
  - Webhooks
  - Africa
  - Fintech
  - Financial Services
  - MFS Africa
  - Onafriq
  - Baxi
url: https://raw.githubusercontent.com/api-evangelist/onafriq/refs/heads/main/apis.yml
created: '2026-05-24'
modified: '2026-05-24'
specificationVersion: '0.20'
apis:
  - aid: onafriq:onafriq-async-payouts-api
    name: Onafriq Async Payouts API
    description: >-
      Asynchronous payouts designed for Money Transfer Organizations (MTOs)
      and disbursement partners. Partners create payments to mobile money
      wallets, cash pickup points, and bank accounts; results are delivered
      via webhook as the transaction state updates. REST/JSON interface.
    humanURL: https://developer.mfsafrica.com/docs/async-payments-api
    tags:
      - Payments
      - Payouts
      - Disbursements
      - Mobile Money
      - Remittance
      - Webhooks
    properties:
      - type: Documentation
        url: https://developer.mfsafrica.com/docs/async-payments-api
      - type: Documentation
        url: https://developers.onafriq.com/docs/remittance-apis-v1/ltkyfhltgh35s-async-api-methods
  - aid: onafriq:onafriq-sync-payouts-api
    name: Onafriq Sync Payouts API
    description: >-
      Synchronous payouts custom-built for Mobile Network Operators (MNOs)
      and partners that require synchronous responses. Transaction results
      are returned within seconds as a response to the trans_com call.
    humanURL: https://developer.mfsafrica.com/docs/sync-disbursements-api
    tags:
      - Payments
      - Payouts
      - Mobile Money
      - MNO
    properties:
      - type: Documentation
        url: https://developer.mfsafrica.com/docs/sync-disbursements-api
  - aid: onafriq:onafriq-sync-bank-transfers-api
    name: Onafriq Sync Bank Transfers API
    description: >-
      Synchronous bank transfer API for sending funds directly to bank
      accounts across the Onafriq network with real-time response semantics.
    humanURL: https://developer.mfsafrica.com/docs/web-service-summary-4
    tags:
      - Payments
      - Bank Transfers
      - Disbursements
    properties:
      - type: Documentation
        url: https://developer.mfsafrica.com/docs/web-service-summary-4
  - aid: onafriq:onafriq-collections-api
    name: Onafriq Collections API
    description: >-
      Collections (Payins) API for receiving funds from customers across
      cards, cash agent networks, and mobile money wallets. Supports
      merchant-pull and subscriber-initiated models with real-time
      transaction confirmation and USD settlement to bank accounts.
    humanURL: https://developer.mfsafrica.com/docs/overview-5
    tags:
      - Payments
      - Collections
      - Payins
      - Mobile Money
      - Cards
    properties:
      - type: Documentation
        url: https://developer.mfsafrica.com/docs/overview-5
  - aid: onafriq:onafriq-rates-api
    name: Onafriq Get Rates API
    description: >-
      Programmatic access to daily foreign-exchange rates used by the
      Onafriq network so partners can price cross-border transactions and
      perform pre-trade quoting before submitting a payout.
    humanURL: https://developer.mfsafrica.com/docs/combined-api-information
    tags:
      - Foreign Exchange
      - Rates
      - Cross-Border Payments
    properties:
      - type: Documentation
        url: https://developer.mfsafrica.com/docs/combined-api-information
  - aid: onafriq:onafriq-webhooks-api
    name: Onafriq Async Webhooks API
    description: >-
      Instant Payment Notification (IPN) webhooks delivered asynchronously
      to partner endpoints as transaction state changes — used in
      combination with the Async Payouts and Async Collections flows.
    humanURL: https://developer.mfsafrica.com/docs/combined-api-information
    tags:
      - Webhooks
      - Notifications
      - Payments
      - Eventing
    properties:
      - type: Documentation
        url: https://developer.mfsafrica.com/docs/combined-api-information
  - aid: onafriq:onafriq-contacts-api
    name: Onafriq Contacts API
    description: >-
      Contacts API for adding and retrieving customer (payer / payee)
      records used across Payins, Payouts, and reconciliation workflows
      on the Enterprise Platform.
    humanURL: https://developer.mfsafrica.com/docs/api-overview
    tags:
      - Contacts
      - Customers
      - Identity
    properties:
      - type: Documentation
        url: https://developer.mfsafrica.com/docs/api-overview
  - aid: onafriq:baxi-agent-banking-api
    name: Baxi Agent Banking API
    description: >-
      Onafriq's Nigerian agent-banking platform (Baxi) exposes Virtual
      Account, Fingerprint (POS biometric activation), and Account Debit
      (cardless cash-out) APIs spanning a 460,000+ agent network across
      all 36 Nigerian states. Supports bill payment, airtime/data, cable
      TV, and e-Naira exchange.
    humanURL: https://onafriq.com/services/agent-banking
    tags:
      - Agent Banking
      - Cash-In Cash-Out
      - Bill Payment
      - Airtime
      - Nigeria
      - Baxi
    properties:
      - type: Documentation
        url: https://onafriq.com/services/agent-banking
  - aid: onafriq:onafriq-card-issuance-api
    name: Onafriq Card Issuance API
    description: >-
      Card issuance and processing platform for partners launching
      physical and virtual prepaid card programs, including Visa virtual
      card creation, lifecycle management, and globally accepted spend.
    humanURL: https://onafriq.com/services/card-issuance-and-processing
    tags:
      - Cards
      - Card Issuance
      - Prepaid
      - Virtual Cards
    properties:
      - type: Documentation
        url: https://onafriq.com/services/card-issuance-and-processing
common:
  - type: Website
    url: https://onafriq.com
  - type: About
    url: https://onafriq.com/about
  - type: Features
    url: https://onafriq.com/features
  - type: Portal
    url: https://developers.onafriq.com
  - type: Documentation
    url: https://developer.mfsafrica.com
  - type: Documentation
    url: https://developer.mfsafrica.com/docs/api-overview
  - type: Documentation
    url: https://developer.mfsafrica.com/docs/combined-api-information
  - type: Documentation
    url: https://developer.mfsafrica.com/docs/api-endpoints
  - type: Documentation
    url: https://developer.mfsafrica.com/docs/communication-protocols
  - type: Documentation
    url: https://developer.mfsafrica.com/docs/schedule-a-response-codes-2
  - type: Collections
    url: https://onafriq.com/services/collections
  - type: Disbursements
    url: https://onafriq.com/services/disbursements
  - type: CardIssuance
    url: https://onafriq.com/services/card-issuance-and-processing
  - type: AgentBanking
    url: https://onafriq.com/services/agent-banking
  - type: TreasuryServices
    url: https://onafriq.com/services/treasury-services
  - type: Blog
    url: https://onafriq.com/insights
  - type: Careers
    url: https://onafriq.com/careers
  - type: Contact
    url: https://onafriq.com/contact
  - type: LegacyBrand
    url: https://mfsafrica.com
  - type: GitHubOrganization
    url: https://github.com/mfsafrica
  - type: Twitter
    url: https://twitter.com/Onafriq
  - type: LinkedIn
    url: https://www.linkedin.com/company/onafriq
maintainers:
  - FN: Kin Lane
    email: [email protected]