Moniepoint website screenshot

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 APIs 20 Features
AfricaNigeriaPaymentsBankingFintechAcquiringPOSCollectionsDisbursementsVirtual AccountsDirect DebitBills PaymentSMBWorking CapitalUnicorn

APIs

Monnify Authentication API

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...

Monnify Collections API

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...

Monnify Reserved Accounts API

Programmatically provision permanent NUBAN virtual accounts (dedicated and one-time invoice variants) for customers and merchants. Supports income-split configuration to multipl...

Monnify Disbursements API

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...

Monnify Sub-Accounts API

Create and manage settlement sub-accounts representing third parties that should receive a configured percentage of each transaction (marketplaces, multi-tenant platforms, franc...

Monnify Direct Debit API

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...

Monnify Invoices API

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...

Monnify Bills Payment API

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 ...

Monnify Verification API

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...

Monnify Wallets API

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 ...

Monnify Refunds API

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...

Monnify Settlements API

Retrieve settlement information for collected funds — settlement batches per merchant or sub-account, settlement transactions, and settlement bank details. Backs reconciliation ...

Monnify Webhooks

Asynchronous server-to-server notifications for nine event categories — successful collection, successful / failed / reversed disbursement, successful / failed refund, settlemen...

Moniepoint POS Push Payment API

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...

Collections

Moniepoint POS Push Payment API

POSTMAN

Monnify Authentication API

POSTMAN

Monnify Bills Payment API

POSTMAN

Monnify Collections API

POSTMAN

Monnify Direct Debit API

POSTMAN

Monnify Disbursements API

POSTMAN

Monnify Invoices API

POSTMAN

Monnify Refunds API

POSTMAN

Monnify Reserved Accounts API

POSTMAN

Monnify Settlements API

POSTMAN

Monnify Sub-Accounts API

POSTMAN

Monnify Verification API

POSTMAN

Monnify Wallets API

POSTMAN

Moniepoint POS Push Payment API

OPEN

Monnify Authentication API

OPEN

Monnify Bills Payment API

OPEN

Monnify Collections API

OPEN

Monnify Direct Debit API

OPEN

Monnify Disbursements API

OPEN

Monnify Invoices API

OPEN

Monnify Refunds API

OPEN

Monnify Reserved Accounts API

OPEN

Monnify Settlements API

OPEN

Monnify Sub-Accounts API

OPEN

Monnify Verification API

OPEN

Monnify Wallets API

OPEN

Arazzo Workflows

Moniepoint Bulk Disbursement

Initiate a batch of transfers, poll the batch summary to completion, then list per-item results.

ARAZZO

Moniepoint Card Charge With OTP

Initialize a transaction, capture a card, branch on the 3-D Secure / OTP step, and confirm.

ARAZZO

Moniepoint Collect Via Bank Transfer

Initialize a collection, generate a one-time NUBAN to pay it, then poll the transaction until paid.

ARAZZO

Moniepoint KYC Verified Virtual Account

Match a customer BVN to their bank account, then reserve a KYC-bound virtual account and confirm it.

ARAZZO

Moniepoint Pay A Bill

List billers for a category, validate the customer, process the bill, then poll the bill status.

ARAZZO

Moniepoint POS Push Payment

Push a payment request to a Moniepoint POS terminal, then poll the terminal until the customer completes it.

ARAZZO

Moniepoint Recurring Mandate Debit

Create a direct-debit mandate, activate it, debit it, then read the mandate back.

ARAZZO

Moniepoint Refund A Collected Payment

Confirm a collection is paid, initiate a refund against it, then poll the refund to completion.

ARAZZO

Moniepoint Reserve Virtual Account

Reserve a permanent NUBAN virtual account for a customer, confirm it, and read its inbound transactions.

ARAZZO

Moniepoint Single Transfer With OTP

Initiate a single transfer, branch on whether OTP authorization is required, authorize it, and confirm.

ARAZZO

Moniepoint Verify And Disburse

Name-inquiry a beneficiary bank account, then disburse to it and poll the transfer to a final state.

ARAZZO

Moniepoint Virtual Account With Limit Profile

Define a transaction limit profile, then reserve a virtual account bound to that profile.

ARAZZO

Moniepoint Create Wallet And Check Balance

Create a customer wallet, read its available and ledger balance, then list its transactions.

ARAZZO

Pricing Plans

Moniepoint Plans Pricing

3 plans

PLANS

Rate Limits

Moniepoint Rate Limits

9 limits

RATE LIMITS

FinOps

Moniepoint Finops

FINOPS

Features

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

Semantic Vocabularies

Moniepoint Context

0 classes · 7 properties

JSON-LD

API Governance Rules

Moniepoint API Rules

9 rules · 5 errors 3 warnings

SPECTRAL

Example Payloads

Moniepoint Push Payment Example

4 fields

EXAMPLE

Monnify Initialize Transaction Example

4 fields

EXAMPLE

Monnify Reserve Account Example

4 fields

EXAMPLE

Monnify Single Transfer Example

4 fields

EXAMPLE

Monnify Webhook Successful Collection Example

4 fields

EXAMPLE

Resources

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PostmanWorkspace
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Portal
Portal
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Portal
Portal
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Documentation
Documentation
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Documentation
Documentation
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Documentation
Documentation
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Documentation
Documentation
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GettingStarted
GettingStarted
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ChangeLog
ChangeLog
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Blog
Blog
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Blog
Blog
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Blog
Blog
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Press
Press
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Support
Support
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Training
Training
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TrustCenter
TrustCenter
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PrivacyPolicy
PrivacyPolicy
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TermsOfService
TermsOfService
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Signup
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Sandbox
Sandbox
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GitHubOrganization
GitHubOrganization
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LinkedIn
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Twitter
Twitter
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Careers
Careers
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Webhooks
Webhooks
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ErrorCodes
ErrorCodes
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Authentication
Authentication
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RateLimits
RateLimits
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Versioning
Versioning
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Plans
Plans
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RateLimits
RateLimits
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FinOps
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Vocabulary
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Rules
Rules

Sources

Raw ↑ 
opencollection: 1.0.0
info:
  name: Monnify Wallets API
  version: '1.0'
request:
  auth:
    type: bearer
    token: '{{bearerToken}}'
items:
- info:
    name: Wallets
    type: folder
  items:
  - info:
      name: Monnify List Wallets
      type: http
    http:
      method: GET
      url: https://api.monnify.com/api/v1/disbursements/wallet
      params:
      - name: customerEmail
        value: ''
        type: query
    docs: Monnify List Wallets
  - info:
      name: Monnify Create Wallet
      type: http
    http:
      method: POST
      url: https://api.monnify.com/api/v1/disbursements/wallet
      body:
        type: json
        data: '{}'
    docs: Monnify Create Wallet
  - info:
      name: Monnify Get Wallet Balance
      type: http
    http:
      method: GET
      url: https://api.monnify.com/api/v1/disbursements/wallet-balance
      params:
      - name: accountNumber
        value: ''
        type: query
    docs: Monnify Get Wallet Balance
  - info:
      name: Monnify List Wallet Transactions
      type: http
    http:
      method: GET
      url: https://api.monnify.com/api/v1/disbursements/wallet/transactions
      params:
      - name: walletReference
        value: ''
        type: query
      - name: pageNo
        value: ''
        type: query
      - name: pageSize
        value: ''
        type: query
    docs: Monnify List Wallet Transactions
bundled: true