🇳🇬Financial Technology in Nigeria
22 financial technology providers in Nigeria, publishing 44 APIs.
22 providers
44 published APIs
118 indexed documents
Financial Technology in Nigeria — 22 providers on the APIs.io network sit in both cohorts, and between them they publish 44 indexed APIs.
14 of the 22 publish at least one machine-readable API; 8 publish nothing indexed at all. That split is the first thing worth reading here — a vertical can be well represented in a market and still have almost no programmable surface.
By Kin Score band: 9 minimal, 5 thin, 3 strong, 3 developing, and 2 emerging.
Leading by rating: Interswitch, Moniepoint, Paga, Cardtonic, Duplo, Klump, and 16 more.
Country membership is exact-tag only. A provider lands in Nigeria when one of its own top-level tags names the country — there is no headquarters signal on the country axis, unlike the region axis which reads tag, provider-name pattern, and stated HQ. So this cell is a floor, not a census, and it understates by construction — a financial technology company headquartered in Nigeria that never tags itself is counted nowhere on this axis. The region cuts read the wider signal set and will generally hold more.
Providers (22)
| Provider | Description | APIs | Rating |
|---|---|---|---|
| Interswitch | Interswitch is Nigeria's foundational digital payments and transaction-switching company, founded in 2002 and regulated by the Central Bank of Nigeria. It owns the Verve card sc... | 10 | strong |
| 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 ... | 13 | strong |
| Paga | Paga (Pagatech Financial Services Limited) is a Nigerian mobile-money and payments company founded in 2009 and licensed by the Central Bank of Nigeria. Its developer platform ex... | 1 | strong |
| Cardtonic | Cardtonic is an Africa-focused fintech platform, operated by The Tonic Technologies, that lets users trade gift cards (sell unused cards for cash and buy over 14,000 local and i... | 2 | developing |
| Duplo | Duplo is a fintech company building the financial operating system for African and emerging-market businesses, headquartered in Lagos, Nigeria with operations in South Africa. I... | 1 | developing |
| Klump | Klump Technology Company Ltd is a Lagos, Nigeria based fintech whose flagship product, Klump BNPL (Buy Now, Pay Later), lets shoppers spread the cost of a purchase over monthly ... | 1 | developing |
| Kora | Kora (formerly Korapay) is a pan-African payments infrastructure company that lets businesses collect payments, disburse payouts, run settlements, issue cards, verify identities... | 1 | thin |
| Okra | Okra was an African open-finance / open-banking infrastructure company based in Lagos, Nigeria. Its REST API connected applications to Nigerian bank accounts to retrieve authent... | 6 | thin |
| OPay | OPay is a Nigerian mobile money and fintech super-app operated by Blue Ridge Microfinance Bank (OPay Digital Services Limited) and majority-owned by Opera Limited with backing f... | 3 | thin |
| Bamboo Invest | Bamboo is an African investment platform providing REST APIs for fractional stock investing, dollar investments, portfolio management, and access to US and Nigerian capital mark... | 2 | thin |
| Cowrywise | Cowrywise is a Nigerian wealth management platform and SEC-licensed fund manager offering savings plans, investment portfolios, dollar accounts, and financial goal tracking for ... | 1 | thin |
| Earnipay | Earnipay is a Nigerian fintech that operates an NRS/FIRS-compliant e-invoicing platform for businesses. As an accredited Nigeria Revenue Service (NRS) and NITDA systems integrat... | 1 | emerging |
| PiggyVest | PiggyVest is a Lagos-based Nigerian fintech (operated by Piggytech Global Limited, RC 1405222) running the country's largest online savings and investment platform, with 6M+ reg... | 1 | emerging |
| Metro Africa Xpress | Metro Africa Xpress (MAX), operating as maxdrive.ai, is a Nigerian technology-driven mobility company on a mission to make transportation safe, affordable, accessible and sustai... | 0 | minimal |
| Remedial Health | Remedial Health is a Nigeria-based healthtech company digitizing pharmaceutical procurement and pharmacy operations across Africa. Its platform connects retail pharmacies, hospi... | 0 | minimal |
| Aella Credit | Aella (Aella Credit) is a technology-driven microfinance bank licensed by the Central Bank of Nigeria (CBN), building consumer and business financial infrastructure across Afric... | 1 | minimal |
| Konga | Konga is a Lagos, Nigeria-based e-commerce company founded in July 2012 and now operating as Nigeria's leading online shopping marketplace, combining a first-party retail busine... | 0 | minimal |
| Chipper Cash | Chipper Cash is a pan-African fintech (legal entities Critical Ideas, Inc. and Voyse Technologies US, Inc.) operating a mobile-first cross-border money transfer, digital payment... | 0 | minimal |
| Kuda | Kuda is a Nigerian digital-first retail bank — branded "the money app for Africans" and "the bank of the free" — founded in 2019 by Babs Ogundeyi and Musty Mustapha and headquar... | 0 | minimal |
| Shara | Shara (Shara Technology Management Nigeria Ltd) is a Lagos-based fintech that provides collateral-free working-capital loans of up to NGN 10 million to Nigerian small and medium... | 0 | minimal |
| FairMoney | FairMoney is a credit-led digital bank for emerging markets, founded in 2017 and headquartered in Paris, France, with operating subsidiaries in Nigeria and India. The company be... | 0 | minimal |
| CrowdForce | CrowdForce was a Nigerian fintech that operated the PayForce agent-banking network, deploying point-of-sale and digital financial-services agents to extend cash-in/cash-out, bil... | 0 | minimal |
Indexed API documents (118)
Two numbers, both real: these providers publish 44 APIs as their own documents, which the catalog indexes split one-per-resource into 118 documents.
Interswitch Airtime API
Interswitch
The Airtime API from Interswitch — 3 operation(s) for airtime.
Interswitch Balance API
Interswitch
The Balance API from Interswitch — 1 operation(s) for balance.
Interswitch Billers API
Interswitch
The Billers API from Interswitch — 3 operation(s) for billers.
Interswitch Cards API
Interswitch
The Cards API from Interswitch — 5 operation(s) for cards.
Interswitch Checkout API
Interswitch
Hosted checkout payment initiation
Interswitch Customer Validation API
Interswitch
The Customer Validation API from Interswitch — 1 operation(s) for customer validation.
Interswitch Customers API
Interswitch
The Customers API from Interswitch — 2 operation(s) for customers.
Interswitch Demography API
Interswitch
The Demography API from Interswitch — 1 operation(s) for demography.
Interswitch Detail API
Interswitch
The Detail API from Interswitch — 1 operation(s) for detail.
Interswitch E-Pins API
Interswitch
The E-Pins API from Interswitch — 1 operation(s) for e-pins.
Interswitch Financial Habits API
Interswitch
The Financial Habits API from Interswitch — 1 operation(s) for financial habits.
Interswitch Financial History API
Interswitch
The Financial History API from Interswitch — 2 operation(s) for financial history.
Interswitch Hosted Fields API
Interswitch
Card data tokenization
Interswitch Linking API
Interswitch
The Linking API from Interswitch — 1 operation(s) for linking.
Interswitch Loans API
Interswitch
The Loans API from Interswitch — 3 operation(s) for loans.
Interswitch Offers API
Interswitch
The Offers API from Interswitch — 2 operation(s) for offers.
Interswitch Payment Items API
Interswitch
The Payment Items API from Interswitch — 1 operation(s) for payment items.
Interswitch Payment Links API
Interswitch
Hosted payment link generation
Interswitch Payments API
Interswitch
The Payments API from Interswitch — 5 operation(s) for payments.
Interswitch PIN API
Interswitch
The PIN API from Interswitch — 1 operation(s) for pin.
Interswitch Providers API
Interswitch
The Providers API from Interswitch — 1 operation(s) for providers.
Interswitch Recurring Charges API
Interswitch
The Recurring Charges API from Interswitch — 1 operation(s) for recurring charges.
Interswitch Search API
Interswitch
The Search API from Interswitch — 3 operation(s) for search.
Interswitch Three-D Secure API
Interswitch
Step-up authentication
Interswitch Tokenization API
Interswitch
The Tokenization API from Interswitch — 1 operation(s) for tokenization.
Interswitch Tokens API
Interswitch
The Tokens API from Interswitch — 4 operation(s) for tokens.
Interswitch Transactions API
Interswitch
Transaction status query
Monnify Webhooks
Moniepoint
Asynchronous server-to-server notifications for nine event categories — successful collection, successful / failed / reversed disbursemen...
Moniepoint Authentication API
Moniepoint
Obtain a Bearer access token for the Monnify API.
Moniepoint Banks API
Moniepoint
NIP bank directory and account validation.
Moniepoint Bills Payment API
Moniepoint
Bill categories, billers, validation, processing, and status.
Moniepoint Bulk Transfers API
Moniepoint
Initiate and query bulk transfer batches.
Moniepoint Debits API
Moniepoint
Initiate debits against an active mandate.
Moniepoint Invoices API
Moniepoint
Create, list, and manage invoices.
Moniepoint Limit Profiles API
Moniepoint
Per-account transaction limit profiles.
Moniepoint Mandates API
Moniepoint
Create and manage direct-debit mandates.
Moniepoint Push Payments API
Moniepoint
Initiate push payments to a registered POS terminal.
Moniepoint Refunds API
Moniepoint
Initiate and query refunds.
Moniepoint Reserved Accounts API
Moniepoint
Manage dedicated and invoice reserved NUBAN accounts.
Moniepoint Settlements API
Moniepoint
Settlement batches and transactions reporting.
Moniepoint Single Transfers API
Moniepoint
Initiate, authorize, and query single transfers.
Moniepoint Transactions API
Moniepoint
Initialize, charge, query, and list collection transactions.
Moniepoint Verification API
Moniepoint
Identity, BVN, NIN, and account verification.
Moniepoint Wallet API
Moniepoint
Disbursement wallet balance and metadata.
Moniepoint Wallets API
Moniepoint
Manage wallets and sub-wallets.
Moniepoint Subaccounts API
Moniepoint
Manage settlement sub-accounts.
Paga Connect
Paga
OAuth-based hosted checkout that lets third parties charge a customer's Paga wallet and read account/merchant details after the customer ...
Paga Business API
Paga
Disbursements, airtime/data, merchant payments, deposits, onboarding.
Paga Collect API
Paga
NGN collections - payment requests and persistent payment accounts.
Paga Direct Debit API
Paga
Bank-account mandate tokenization and recurring debits.
Paga Reference API
Paga
Look-up operations - banks, mobile operators, status.
Cardtonic Gift Card Developer API
Cardtonic
The Cardtonic Gift Card Developer API enables merchants and platforms to integrate gift card services into their websites, mobile apps, a...
Cardtonic Virtual Dollar Card
Cardtonic
Cardtonic Virtual Dollar Cards are user-facing USD-denominated cards that let African customers pay merchants that accept Visa/Mastercard...
Cardtonic Bill Payments
Cardtonic
Cardtonic Bill Payments cover airtime top-ups, mobile data, electricity, TV subscriptions, and betting wallets across more than 100 count...
Cardtonic Auth API
Cardtonic
The Auth API from Cardtonic — 6 operation(s) for auth.
Cardtonic User API
Cardtonic
The User API from Cardtonic — 8 operation(s) for user.
Atlas Payments API
Duplo
Atlas is Duplo's global payments API for African and emerging-market businesses: collect payments (checkout, payment links, virtual accou...
Klump API
Klump
The Klump REST API lets a merchant verify transactions, sync commerce product catalogs, create Klump Access hosted payment pages, and res...
Kora Balances API
Kora
Real-time available and pending balances per currency.
Kora Charges API
Kora
Pay-ins - card, bank transfer, mobile money, and pay-with-bank.
Kora Currency Conversion API
Kora
Exchange rates and multi-currency conversions.
Kora Misc API
Kora
Bank / mobile-money lookups, account resolution, and payout utilities.
Kora Payouts API
Kora
Disbursements to bank accounts and mobile money wallets.
Kora Refunds API
Kora
Refunds for completed pay-in transactions.
Kora Virtual Bank Accounts API
Kora
Dedicated NGN and USD virtual bank accounts.
Okra Accounts API
Okra
Linked bank accounts.
Okra Auth API
Okra
Account authentication records and Link.
Okra Balance API
Okra
Account balances.
Okra Identity API
Okra
KYC identity on file with the bank.
Okra Income API
Okra
Income verification.
Okra Payments API
Okra
Bank-to-bank payments.
Okra Transactions API
Okra
Transaction history and spending patterns.
Okra Webhooks API
Okra
Callback management.
Okra Banks API
Okra
Reference list of connectable banks.
Okra Customers API
Okra
End-user (customer) management.
Okra Reports API
Okra
Scheduled financial reports.
Okra Verification API
Okra
Nigerian KYC checks (BVN, NUBAN, TIN, RC).
Okra Wallet API
Okra
Billing wallet used to fund API usage.
OPay Cashier API
OPay
The OPay Cashier API is the primary merchant payment API behind OPay Checkout. It exposes a hosted Express Checkout endpoint (cashier/cre...
OPay Payments API
OPay
Server-to-server payment creation across payment methods.
OPay Refunds API
OPay
Refund creation and status.
Bamboo Invest Account Management API
Bamboo Invest
Account creation enables users to invest on Bamboo. Ensure KYC has been completed and each user’s identity verified before creating a bro...
Bamboo Invest Authentication API
Bamboo Invest
Before you start making requests, you’ll need to generate an access token. Every request to the API must be authenticated using access to...
Bamboo Invest Deposits API
Bamboo Invest
Deposits fund user brokerage accounts for stock purchases. All deposits require verification through your webhook endpoint before funds a...
Bamboo Invest Exchange Rate API
Bamboo Invest
The exchange rate section provides you with an endpoint that fetches real-time exchange rates effortlessly, enabling accurate currency co...
Bamboo Invest Featured Themes API
Bamboo Invest
Stocks are grouped into various categories which help users explore and filter stocks based on common themes, sectors, or other criteria....
Bamboo Invest Financial Documents API
Bamboo Invest
Access various financial documents required for user account management, tax reporting, and regulatory compliance through secure document...
Bamboo Invest Https: API
Bamboo Invest
The Https: API from Bamboo Invest — 1 operation(s) for https:.
Bamboo Invest Lsx API
Bamboo Invest
The Lsx API from Bamboo Invest — 1 operation(s) for lsx.
Bamboo Invest Market Activity API
Bamboo Invest
The market activity section provides you with endpoints that return the opening and closing times for markets we support, allowing you to...
Bamboo Invest NG Deposits API
Bamboo Invest
The NG Deposits API from Bamboo Invest — 2 operation(s) for ng deposits.
Bamboo Invest NG Securities API
Bamboo Invest
The section provides us endpoints that allows a client to fetch all the information pertaining to the NG stocks available on Bamboo.
Bamboo Invest NG Stock Portfolio API
Bamboo Invest
This section provides all the information a tenant needs to know about a user's investment portfolio values and general user performance.
Bamboo Invest NG Stock Trading API
Bamboo Invest
The stock trading section details all the endpoints needed to calculate and make trade orders for all NG stock available on Bamboo. Pleas...
Bamboo Invest NG Withdrawals API
Bamboo Invest
The NG Withdrawals API from Bamboo Invest — 2 operation(s) for ng withdrawals.
Bamboo Invest One Step Registration API
Bamboo Invest
The One Step Registration API from Bamboo Invest — 1 operation(s) for one step registration.
Bamboo Invest Portfolio Reporting API
Bamboo Invest
The user's portfolio provides comprehensive views of investment performance, cash positions, and account status. Understanding the differ...
Bamboo Invest Stock Trading API
Bamboo Invest
The Stock Trading API from Bamboo Invest — 1 operation(s) for stock trading.
Bamboo Invest Tenant API
Bamboo Invest
The Tenant API from Bamboo Invest — 1 operation(s) for tenant.
Bamboo Invest US Securities API
Bamboo Invest
The section provides comprehensive information about available US stocks, including real-time pricing, company details, and market data. ...
Bamboo Invest US Stock Trading API
Bamboo Invest
Users can buy and sell US securities, with support for multiple order types and fractional shares. Understanding order calculations, exec...
Bamboo Invest Withdrawals API
Bamboo Invest
Withdrawals allow users to extract funds from their brokerage accounts after successful trades. Understanding the settlement timeline is ...
Cowrywise Embed API
Cowrywise
Investment-as-a-service REST API that allows developers to embed regulated investment products (savings, mutual funds, treasury bills, Eu...
Earnipay App API
Earnipay
The App API from Earnipay — 1 operation(s) for app.
Earnipay APP Provider API
Earnipay
Third-party APP provider integration (Taxly) for FIRS submission
Earnipay Authentication API
Earnipay
User authentication and authorization endpoints
Earnipay Bank API
Earnipay
The Bank API from Earnipay — 2 operation(s) for bank.
Earnipay Business API
Earnipay
Business profile management and FIRS configuration
Earnipay Customers API
Earnipay
Customer management for invoicing
Earnipay Invoices API
Earnipay
Invoice creation, management, and FIRS validation
Earnipay IRN Generator API
Earnipay
Generate FIRS-compliant Invoice Reference Numbers
Earnipay Payment Details API
Earnipay
The Payment Details API from Earnipay — 2 operation(s) for payment details.
Earnipay Products API
Earnipay
The Products API from Earnipay — 2 operation(s) for products.
Earnipay QR Code Generator API
Earnipay
Generate FIRS-compliant encrypted QR codes for invoices
Earnipay Team API
Earnipay
Team member and invitation management
Earnipay Users API
Earnipay
User profile management
PiggyVest Business API
PiggyVest
The PiggyVest Business API is a Bearer-token-authenticated REST API hosted at api.piggyvest.business that lets Nigerian businesses progra...
Aella Merchant API
Aella Credit
Aella's Fintech-as-a-Service API gateway for businesses, exposing wallet-as-a- service, KYC/identity verification (BVN, NIN), bank-accoun...
Other industries in Nigeria
Payments & Money Movement 18
Banking & Open Banking 9
Supply Chain & Procurement 6
Blockchain, Crypto & Web3 5
Logistics 5
E-Commerce Platform 4
Mobility & Fleet 4
Venture Capital & Investing 4
Accounting & Finance Operations 3
Digital Health & Telehealth 3
Financial Services 3
Healthcare 3
All of Nigeria →
Financial Technology elsewhere
Europe 229
North America 176
Latin America 150
India & South Asia 111
United Kingdom & Ireland 104
Africa 86
Southeast Asia 81
Middle East 65
DACH (Germany · Austria · Switzerland) 44
France & Iberia 33
Japan & Korea 21
Greater China 20
All of Financial Technology →
This page is the intersection of two independently computed cohorts:
Nigeria and
Financial Technology. A provider appears here only when it is
already a member of both. Nigeria membership is matched on tag,
so this is a floor rather than a census — coverage gaps show up here as small numbers, not as absent pages.
Work with this as data
Every country here is available over the APIs.io API and to AI agents over MCP. Countries is not yet its own endpoint on the v1 API. Reach it through catalog search and the tag graph, or the MCP server.