# Cardtonic Business API

**Canonical:** https://apis.io/apis/cardtonic/business-api/  
**Provider:** Cardtonic — https://apis.io/providers/cardtonic/  
**Base URL:** https://api.cardtonic.com/v1  
**Documentation:** https://docs.cardtonic.com

Cardtonic Business API is one of 4 APIs that [Cardtonic](https://apis.io/providers/cardtonic/) publishes on the [APIs.io](https://apis.io/) network, described by a machine-readable OpenAPI specification. Tagged areas include Fintech, Payments, Authentication, KYC, and Nigeria. The published artifact set on APIs.io includes an OpenAPI specification, authentication docs, an API reference, and API documentation.

The Cardtonic Business API is the account, credential and compliance layer of Cardtonic's developer program, and the only Cardtonic surface with a published machine-readable contract. It covers business-account signup and email verification, business login, password recovery and change, two-factor enrollment, Nigerian BVN and corporate KYC submission, file upload, and issuance and retrieval of the PRIV_-prefixed API key a merchant integration authenticates with. Cardtonic publishes it as OpenAPI 3.0.1 through an Apidog-hosted documentation site at docs.cardtonic.com; the gift-card catalog, purchase, sale and bulk-order operations advertised on the developer page are NOT part of it and have no published contract.

## Operations (14)

| Method | Path | Summary |
|---|---|---|
| POST | `/auth/signup/business` | SIGN UP BUSINESS USER |
| PATCH | `/auth/verify-email` | VERIFY EMAIL |
| POST | `/auth/resend-verification-email` | RESEND EMAIL VERIFICATION |
| POST | `/auth/login/business` | LOGIN BUSINESS |
| POST | `/auth/forgot-password` | FORGOT PASSWORD |
| POST | `/auth/reset-password` | RESET PASSWORD |
| POST | `/users/kyc/verify-bvn` | Add BVN |
| POST | `/users/enable-2fa` | ENABLE 2FA |
| POST | `/users/generate-key` | GENERATE API KEY |
| GET | `/users/show-api-key` | FETCH API KEY |
| POST | `/users/disable-2fa` | DISABLE 2FA |
| PATCH | `/users/change-password` | CHANGE PASSWORD |
| POST | `/users/kyc/verify-kyc` | Verify KYC |
| PUT | `/users/upload` | Upload File |

## Machine-readable artifacts (12)

- **OpenAPI** — https://raw.githubusercontent.com/api-evangelist/cardtonic/refs/heads/main/openapi/cardtonic-openapi.yml
- **Overlay** — https://raw.githubusercontent.com/api-evangelist/cardtonic/refs/heads/main/overlays/cardtonic-business-api-overlay.yaml
- **Authentication** — https://raw.githubusercontent.com/api-evangelist/cardtonic/refs/heads/main/authentication/cardtonic-authentication.yml
- **Conventions** — https://raw.githubusercontent.com/api-evangelist/cardtonic/refs/heads/main/conventions/cardtonic-conventions.yml
- **ErrorCatalog** — https://raw.githubusercontent.com/api-evangelist/cardtonic/refs/heads/main/errors/cardtonic-problem-types.yml
- **DataModel** — https://raw.githubusercontent.com/api-evangelist/cardtonic/refs/heads/main/data-model/cardtonic-data-model.yml
- **Sandbox** — https://raw.githubusercontent.com/api-evangelist/cardtonic/refs/heads/main/sandbox/cardtonic-sandbox.yml
- **MCPServer** — https://raw.githubusercontent.com/api-evangelist/cardtonic/refs/heads/main/mcp/cardtonic-mcp.yml
- **AgentSkill** — https://raw.githubusercontent.com/api-evangelist/cardtonic/refs/heads/main/skills/_index.yml
- **APIReference** — https://docs.cardtonic.com
- **Documentation** — https://docs.cardtonic.com
- **SignUp** — https://cardtonic.com/developer

## Other Cardtonic APIs (3)

- [Cardtonic Gift Card Developer API](https://apis.io/apis/cardtonic/gift-card-developer-api/)
- [Cardtonic Virtual Dollar Card](https://apis.io/apis/cardtonic/virtual-dollar-card/)
- [Cardtonic Bill Payments](https://apis.io/apis/cardtonic/bill-payments/)

## Tags

Fintech, Payments, Authentication, KYC, Nigeria

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/apis/cardtonic/business-api/). The API's provider profile, Kin Score and agent-readiness rating are at https://apis.io/providers/cardtonic/.