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.
Moniepoint publishes 18 APIs on the APIs.io network, including Authentication API, Banks API, Bills Payment API, and 15 more. Tagged areas include Africa, Nigeria, Payments, Banking, and Fintech.
The Moniepoint catalog on APIs.io includes 1 JSON-LD context and 2 Spectral governance rulesets.
Moniepoint’s developer surface includes authentication, developer portal, documentation, getting-started guide, changelog, engineering blog, support, and 48 more developer resources.
Kin Score
APIs 19
Individual APIs this provider publishes, each with its own machine-readable definition.
Monnify Webhooks
Asynchronous server-to-server notifications for nine event categories — successful collection, successful / failed / reversed disbursement, successful / failed refund, settlemen...
Moniepoint Authentication API
Obtain a Bearer access token for the Monnify API.
Moniepoint Banks API
NIP bank directory and account validation.
Moniepoint Bills Payment API
Bill categories, billers, validation, processing, and status.
Moniepoint Bulk Transfers API
Initiate and query bulk transfer batches.
Moniepoint Debits API
Initiate debits against an active mandate.
Moniepoint Invoices API
Create, list, and manage invoices.
Moniepoint Limit Profiles API
Per-account transaction limit profiles.
Moniepoint Mandates API
Create and manage direct-debit mandates.
Moniepoint Push Payments API
Initiate push payments to a registered POS terminal.
Moniepoint Refunds API
Initiate and query refunds.
Moniepoint Reserved Accounts API
Manage dedicated and invoice reserved NUBAN accounts.
Moniepoint Settlements API
Settlement batches and transactions reporting.
Moniepoint Single Transfers API
Initiate, authorize, and query single transfers.
Moniepoint Sub-Accounts API
Manage settlement sub-accounts.
Moniepoint Transactions API
Initialize, charge, query, and list collection transactions.
Moniepoint Verification API
Identity, BVN, NIN, and account verification.
Moniepoint Wallet API
Disbursement wallet balance and metadata.
Moniepoint Wallets API
Manage wallets and sub-wallets.
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Postman Collections 13
Ready-to-run Postman collections for exercising this provider's APIs.
Monnify Authentication API
POSTMANMonnify Bills Payment API
POSTMANMonnify Collections API
POSTMANMonnify Direct Debit API
POSTMANMonnify Disbursements API
POSTMANMonnify Invoices API
POSTMANMonnify Refunds API
POSTMANMonnify Settlements API
POSTMANMonnify Sub-Accounts API
POSTMANMonnify Verification API
POSTMANMonnify Wallets API
POSTMANScroll for all 13
Open Collections 13
Open, tool-agnostic API collections (OpenAPI-derived and Bruno).
Moniepoint POS Push Payment API
OPEN COLLECTIONMonnify Authentication API
OPEN COLLECTIONMonnify Bills Payment API
OPEN COLLECTIONMonnify Collections API
OPEN COLLECTIONMonnify Direct Debit API
OPEN COLLECTIONMonnify Disbursements API
OPEN COLLECTIONMonnify Invoices API
OPEN COLLECTIONMonnify Refunds API
OPEN COLLECTIONMonnify Reserved Accounts API
OPEN COLLECTIONMonnify Settlements API
OPEN COLLECTIONMonnify Sub-Accounts API
OPEN COLLECTIONMonnify Verification API
OPEN COLLECTIONMonnify Wallets API
OPEN COLLECTIONScroll for all 13
Arazzo Workflows 13
Multi-step API workflows described with the Arazzo specification.
Moniepoint Bulk Disbursement
Initiate a batch of transfers, poll the batch summary to completion, then list per-item results.
ARAZZOMoniepoint Card Charge With OTP
Initialize a transaction, capture a card, branch on the 3-D Secure / OTP step, and confirm.
ARAZZOMoniepoint Collect Via Bank Transfer
Initialize a collection, generate a one-time NUBAN to pay it, then poll the transaction until paid.
ARAZZOMoniepoint KYC Verified Virtual Account
Match a customer BVN to their bank account, then reserve a KYC-bound virtual account and confirm it.
ARAZZOMoniepoint Pay A Bill
List billers for a category, validate the customer, process the bill, then poll the bill status.
ARAZZOMoniepoint POS Push Payment
Push a payment request to a Moniepoint POS terminal, then poll the terminal until the customer completes it.
ARAZZOMoniepoint Recurring Mandate Debit
Create a direct-debit mandate, activate it, debit it, then read the mandate back.
ARAZZOMoniepoint Refund A Collected Payment
Confirm a collection is paid, initiate a refund against it, then poll the refund to completion.
ARAZZOMoniepoint Reserve Virtual Account
Reserve a permanent NUBAN virtual account for a customer, confirm it, and read its inbound transactions.
ARAZZOMoniepoint Single Transfer With OTP
Initiate a single transfer, branch on whether OTP authorization is required, authorize it, and confirm.
ARAZZOMoniepoint Verify And Disburse
Name-inquiry a beneficiary bank account, then disburse to it and poll the transfer to a final state.
ARAZZOMoniepoint Virtual Account With Limit Profile
Define a transaction limit profile, then reserve a virtual account bound to that profile.
ARAZZOMoniepoint Create Wallet And Check Balance
Create a customer wallet, read its available and ledger balance, then list its transactions.
ARAZZOScroll for all 13
Pricing Plans 1
Published pricing tiers and plan structures.
Rate Limits 1
Documented rate limits and quota policies.
Moniepoint Rate Limits
RATE LIMITSFinOps 1
Cost, billing, and metering signals for API financial operations.
Moniepoint Finops
FINOPSFeatures 20
Notable capabilities this provider offers.
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Semantic Vocabularies 1
JSON-LD contexts and semantic vocabularies used across these APIs.
Moniepoint Context
JSON-LDSpectral Rules 2
Spectral governance rulesets for linting and validating these APIs.
Moniepoint API Rules
SPECTRALMoniepoint API Rules
SPECTRALJSON Schema 4
Standalone JSON Schema definitions for this provider's data models.
Monnify Reserved Account
JSON SCHEMAMonnify Transaction
JSON SCHEMAMonnify Transfer
JSON SCHEMAMonnify Webhook Notification
JSON SCHEMAExamples 5
Example request and response payloads for these APIs.
Security Posture 3
Authentication, domain security, vulnerability disclosure, and trust-center signals.
Agentic Access 1
Recommended x-agentic-access execution contracts for AI agents.
Resources
Get Started 6
Portal, sign-up, and the first successful call
Documentation 4
Reference material describing how the API behaves
Agent Surfaces 1
MCP servers, agent skills, and machine-readable catalogs
Design & Contract 18
Pagination, idempotency, versioning, errors, and events
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Build 5
SDKs, sample code, and the tooling you integrate with
Access & Security 5
Authentication, authorization, and security posture
Learn 1
Tutorials, courses, talks, and written guidance
Operate 4
Status, limits, changes, and where to get help
Commercial 4
Pricing, plans, and the legal terms of use
Company 7
The organization behind the API
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