Moniepoint

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
    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
    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
    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
    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
    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
    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
    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
    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
    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
    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
    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
    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
    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-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
access: 3rd-Party
common:
  - type: PostmanWorkspace
    url: https://www.postman.com/kinlaneapi/moniepoint/overview
  - type: ArazzoWorkflows
    url: arazzo/
    workflows:
      - url: arazzo/moniepoint-bulk-disbursement-workflow.yml
        name: Moniepoint Bulk Disbursement
        summary: Initiate a batch of transfers, poll the batch summary to completion, then list per-item results.
      - url: arazzo/moniepoint-card-charge-otp-workflow.yml
        name: Moniepoint Card Charge With OTP
        summary: Initialize a transaction, capture a card, branch on the 3-D Secure / OTP step, and confirm.
      - url: arazzo/moniepoint-collect-bank-transfer-workflow.yml
        name: Moniepoint Collect Via Bank Transfer
        summary: Initialize a collection, generate a one-time NUBAN to pay it, then poll the transaction until paid.
      - url: arazzo/moniepoint-kyc-reserve-account-workflow.yml
        name: Moniepoint KYC Verified Virtual Account
        summary: Match a customer BVN to their bank account, then reserve a KYC-bound virtual account and confirm it.
      - url: arazzo/moniepoint-pay-bill-workflow.yml
        name: Moniepoint Pay A Bill
        summary: List billers for a category, validate the customer, process the bill, then poll the bill status.
      - url: arazzo/moniepoint-pos-push-payment-workflow.yml
        name: Moniepoint POS Push Payment
        summary: Push a payment request to a Moniepoint POS terminal, then poll the terminal until the customer completes it.
      - url: arazzo/moniepoint-recurring-mandate-debit-workflow.yml
        name: Moniepoint Recurring Mandate Debit
        summary: Create a direct-debit mandate, activate it, debit it, then read the mandate back.
      - url: arazzo/moniepoint-refund-collected-payment-workflow.yml
        name: Moniepoint Refund A Collected Payment
        summary: Confirm a collection is paid, initiate a refund against it, then poll the refund to completion.
      - url: arazzo/moniepoint-reserve-virtual-account-workflow.yml
        name: Moniepoint Reserve Virtual Account
        summary: Reserve a permanent NUBAN virtual account for a customer, confirm it, and read its inbound transactions.
      - url: arazzo/moniepoint-single-transfer-otp-workflow.yml
        name: Moniepoint Single Transfer With OTP
        summary: Initiate a single transfer, branch on whether OTP authorization is required, authorize it, and confirm.
      - url: arazzo/moniepoint-verify-and-disburse-workflow.yml
        name: Moniepoint Verify And Disburse
        summary: Name-inquiry a beneficiary bank account, then disburse to it and poll the transfer to a final state.
      - url: arazzo/moniepoint-virtual-account-with-limit-workflow.yml
        name: Moniepoint Virtual Account With Limit Profile
        summary: Define a transaction limit profile, then reserve a virtual account bound to that profile.
      - url: arazzo/moniepoint-wallet-balance-check-workflow.yml
        name: Moniepoint Create Wallet And Check Balance
        summary: Create a customer wallet, read its available and ledger balance, then list its transactions.
  - 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: info@apievangelist.com
    X: apievangelist
    url: https://apievangelist.com
specificationVersion: '0.16'