# Moniepoint

**Canonical:** https://apis.io/providers/moniepoint/  
**Website:** https://moniepoint.com  
**APIs profiled:** 19

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.

## Kin Score — 58.9 / 100 (strong)

Scored 2026-08-21 under rubric 0.12.0. Trend: flat (+0.4 from 58.5).

| Facet | Score |
|---|---|
| Discoverability | 59.3 |
| Contract Quality | 65.3 |
| Governance | 28.8 |
| Contract Governance | 28.8 |
| Operational Transparency | 57.9 |
| Developer Ergonomics | 51.2 |
| Commercial Clarity | 71.1 |
| Access Clarity | 71.1 |

Regulatory layer — **Payments**: 40.6 (matched via tags).

## Agent readiness — 42.6 (agent-ready)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| Reversibility Documented | documented |
| MCP Server | no |
| Auth Clarity | yes |
| Idempotency | no |
| Error Semantics | documented |
| OpenAPI Examples | partial |
| Rate Limit Signal | documented |
| Event Surface Described | yes |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Paid · Self-serve signup — onboarding: self-serve, pricing: paid, trial: no (confidence: high).

## APIs (19)

- **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.

## Agentic access (1)

- **Moniepoint Agentic Access** — 63 operations · 33 acting

## Security (3)

- **Moniepoint Authentication** — http · 2 schemes
- **Moniepoint Domain Security** — TLSv1.3 · HSTS · DNSSEC · DMARC
- **Moniepoint Trust Center** — SOC 2, ISO 27001

## Plans (1)

- **Moniepoint Plans Pricing**

## Tags

Africa, Nigeria, Payments, Banking, Fintech, Acquiring, Point-of-Sale, Collection, Disbursements, Virtual Accounts, Direct Debit, Bills Payment, SMB, Working Capital, Unicorn

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/moniepoint/). Scores are computed from the provider's own public artifacts under a published rubric.