Onafriq

Onafriq (formerly MFS Africa) is a pan-African digital payments network headquartered in London with operating entities across Mauritius, Ghana, Nigeria, Tanzania, Rwanda, Uganda, the DRC, and the UK. Founded by CEO Dare Okoudjou, Onafriq operates what it calls "Africa's largest digital payments gateway" — a network of networks connecting roughly one billion mobile money wallets and 500 million bank accounts across 40+ African countries through 2,000+ cross-border corridors. The platform exposes a REST API surface for partners including Money Transfer Organizations (MTOs), Mobile Network Operators (MNOs), banks, NGOs, governments, and enterprises. Core developer products include Async Payouts (the recommended path for MTOs and bulk disbursement partners, with webhook-based status updates), Sync Payouts (custom-built for MNOs requiring synchronous responses), Sync Bank Transfers, Collections APIs (Payins) for receiving funds from cards, cash agents, and mobile wallets, a Contacts API for managing payer/payee records, a Get Rates API for daily foreign exchange rates, and Async Webhooks for Instant Payment Notifications. Two distinct portal endpoints serve domestic (api.mfsafrica.com/api) and cross-border (mfsafrica.beyonicpartners.com/api) workloads. Beyond cross-border remittance and disbursement, Onafriq operates Baxi — a Nigerian agent banking network of 460,000+ agents across all 36 states with its own Virtual Account, Fingerprint, and Account Debit APIs — plus card issuance and processing for physical/virtual prepaid programs and multi-currency treasury services. Onafriq has raised $200M+ in Series C funding from Vitruvian Partners, AXA Investment Managers, and Goodwell, and holds 16 payment licenses including FSC (Mauritius) and FCA (UK) authorization. The legacy MFS Africa developer hub (developer.mfsafrica.com) remains the canonical reference documentation, with a newer developers.onafriq.com portal reflecting the post-rebrand identity.

Onafriq is listed with 9 APIs on the APIs.io network. Tagged areas include Payments, Mobile Money, Remittances, Cross-Border Payments, and Disbursements.

Onafriq’s developer surface includes developer portal, documentation, engineering blog, and 20 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

11.0/100 emerging ▬ flat Agent 0/100 human only Front door AI 1/6 silent Heartbeat 84/100 alive Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

9 APIs

Payments Mobile Money Remittances Cross-Border Payments Disbursements Payouts Collection Bank Transfers Card Issuance Agent Banking Treasury Foreign Exchange Webhook Africa Fintech Financial ServicesMFS AfricaOnafriqBaxi

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 11.0/100 · emerging

Contract Quality 0.0 / 21

Developer Ergonomics 3.6 / 17

Access Clarity 1.3 / 17

Operational Transparency 0.3 / 11

Contract Governance 0.0 / 10

Discoverability 5.3 / 9

Regulatory Posture 1.5 / 15

Agent readiness — 0/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 0 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Payments regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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Agent readiness — checks not met, largest first (exact, from this profile):

Machine-Readable Contract +18 pts — api_specs includes an OpenAPI document
MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
Machine-Readable Auth +10 pts — a served openid-configuration/oauth-authorization-server carrying `issuer` (served), else the securitySchemes class in the provider OpenAPIs — bound (mutualTLS, DPoP, Signature) > negotiable (oauth2 authorizationCode/clientCredentials, openIdConnect) > bearer (http bearer, apiKey)
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes

13 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Contract Quality scores 0.0 — up to +25.0 composite points
Access Clarity scores 7.9 — up to +18.4 composite points
Developer Ergonomics scores 21.4 — up to +15.7 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/onafriq/apis.yml: open an issue on github.com/api-evangelist/onafriq to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
African Payments (Nigeria, Kenya, South Africa, Ghana, WAEMU)	undeclared	-	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

APIs 9

Individual APIs this provider publishes, each with its own machine-readable definition.

Onafriq Async Payouts API

Asynchronous payouts designed for Money Transfer Organizations (MTOs) and disbursement partners. Partners create payments to mobile money wallets, cash pickup points, and bank a...

Onafriq Sync Payouts API

Synchronous payouts custom-built for Mobile Network Operators (MNOs) and partners that require synchronous responses. Transaction results are returned within seconds as a respon...

Onafriq Sync Bank Transfers API

Synchronous bank transfer API for sending funds directly to bank accounts across the Onafriq network with real-time response semantics.

Onafriq Collections API

Collections (Payins) API for receiving funds from customers across cards, cash agent networks, and mobile money wallets. Supports merchant-pull and subscriber-initiated models w...

Onafriq Get Rates API

Programmatic access to daily foreign-exchange rates used by the Onafriq network so partners can price cross-border transactions and perform pre-trade quoting before submitting a...

Onafriq Async Webhooks API

Instant Payment Notification (IPN) webhooks delivered asynchronously to partner endpoints as transaction state changes — used in combination with the Async Payouts and Async Col...

Onafriq Contacts API

Contacts API for adding and retrieving customer (payer / payee) records used across Payins, Payouts, and reconciliation workflows on the Enterprise Platform.

Baxi Agent Banking API

Onafriq's Nigerian agent-banking platform (Baxi) exposes Virtual Account, Fingerprint (POS biometric activation), and Account Debit (cardless cash-out) APIs spanning a 460,000+ ...

Onafriq Card Issuance API

Card issuance and processing platform for partners launching physical and virtual prepaid card programs, including Visa virtual card creation, lifecycle management, and globally...

Scroll for all 9

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Onafriq Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Onafriq Trust Center

ISO 27001, PCI DSS

SECURITY

Resources

Get Started 1

Portal, sign-up, and the first successful call

Portal

Portal

Documentation 6

Reference material describing how the API behaves

Documentation

Documentation

Documentation

Documentation

Documentation

Documentation

Build 2

SDKs, sample code, and the tooling you integrate with

Collections

Collections

GitHubOrganization

GitHubOrganization

Access & Security 2

Authentication, authorization, and security posture

TrustCenter

TrustCenter

DomainSecurity

DomainSecurity

Operate 1

Status, limits, changes, and where to get help

Contact

Contact

Company 6

The organization behind the API

Website

About

Blog

Careers

Twitter

LinkedIn

Other 5

Properties that don't map to a standard resource type

Disbursements

CardIssuance

AgentBanking

TreasuryServices

LegacyBrand

Source (apis.yml)

aid: onafriq
name: Onafriq
description: Onafriq (formerly MFS Africa) is a pan-African digital payments network headquartered in London with operating
  entities across Mauritius, Ghana, Nigeria, Tanzania, Rwanda, Uganda, the DRC, and the UK. Founded by CEO Dare Okoudjou,
  Onafriq operates what it calls "Africa's largest digital payments gateway" — a network of networks connecting roughly one
  billion mobile money wallets and 500 million bank accounts across 40+ African countries through 2,000+ cross-border corridors.
  The platform exposes a REST API surface for partners including Money Transfer Organizations (MTOs), Mobile Network Operators
  (MNOs), banks, NGOs, governments, and enterprises. Core developer products include Async Payouts (the recommended path for
  MTOs and bulk disbursement partners, with webhook-based status updates), Sync Payouts (custom-built for MNOs requiring synchronous
  responses), Sync Bank Transfers, Collections APIs (Payins) for receiving funds from cards, cash agents, and mobile wallets,
  a Contacts API for managing payer/payee records, a Get Rates API for daily foreign exchange rates, and Async Webhooks for
  Instant Payment Notifications. Two distinct portal endpoints serve domestic (api.mfsafrica.com/api) and cross-border (mfsafrica.beyonicpartners.com/api)
  workloads. Beyond cross-border remittance and disbursement, Onafriq operates Baxi — a Nigerian agent banking network of
  460,000+ agents across all 36 states with its own Virtual Account, Fingerprint, and Account Debit APIs — plus card issuance
  and processing for physical/virtual prepaid programs and multi-currency treasury services. Onafriq has raised $200M+ in
  Series C funding from Vitruvian Partners, AXA Investment Managers, and Goodwell, and holds 16 payment licenses including
  FSC (Mauritius) and FCA (UK) authorization. The legacy MFS Africa developer hub (developer.mfsafrica.com) remains the canonical
  reference documentation, with a newer developers.onafriq.com portal reflecting the post-rebrand identity.
type: Index
deliveryModel:
  model: unknown
  open_source: false
  commercial: false
  callable_host: false
  label: Delivery model not determined — needs a product licence on record
  confidence: low
  source:
  - none
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - security
  generated: '2026-11-06'
  method: derived
position: Producing
access: 3rd-Party
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/onafriq.png
x-docs-platform: stoplight
x-docs-platform-confidence: high
x-docs-platform-checked: 2026-10-04
tags:
- Payments
- Mobile Money
- Remittances
- Cross-Border Payments
- Disbursements
- Payouts
- Collection
- Bank Transfers
- Card Issuance
- Agent Banking
- Treasury
- Foreign Exchange
- Webhook
- Africa
- Fintech
- Financial Services
- MFS Africa
- Onafriq
- Baxi
tags_raw:
- Payments
- Mobile Money
- Remittance
- Cross-Border Payments
- Disbursements
- Payouts
- Collections
- Bank Transfers
- Card Issuance
- Agent Banking
- Treasury
- Foreign Exchange
- Webhooks
- Africa
- Fintech
- Financial Services
- MFS Africa
- Onafriq
- Baxi
- Financial-Services
url: https://raw.githubusercontent.com/api-evangelist/onafriq/refs/heads/main/apis.yml
created: '2026-05-24'
modified: '2026-05-24'
specificationVersion: '0.23'
apis:
- aid: onafriq:onafriq-async-payouts-api
  name: Onafriq Async Payouts API
  description: Asynchronous payouts designed for Money Transfer Organizations (MTOs) and disbursement partners. Partners create
    payments to mobile money wallets, cash pickup points, and bank accounts; results are delivered via webhook as the transaction
    state updates. REST/JSON interface.
  humanURL: https://developer.mfsafrica.com/docs/async-payments-api
  tags:
  - Payments
  - Payouts
  - Disbursements
  - Mobile Money
  - Remittances
  - Webhook
  tags_raw:
  - Payments
  - Payouts
  - Disbursements
  - Mobile Money
  - Remittance
  - Webhooks
  properties:
  - type: Documentation
    url: https://developer.mfsafrica.com/docs/async-payments-api
  - type: Documentation
    url: https://developers.onafriq.com/docs/remittance-apis-v1/ltkyfhltgh35s-async-api-methods
- aid: onafriq:onafriq-sync-payouts-api
  name: Onafriq Sync Payouts API
  description: Synchronous payouts custom-built for Mobile Network Operators (MNOs) and partners that require synchronous
    responses. Transaction results are returned within seconds as a response to the trans_com call.
  humanURL: https://developer.mfsafrica.com/docs/sync-disbursements-api
  tags:
  - Payments
  - Payouts
  - Mobile Money
  - MNO
  properties:
  - type: Documentation
    url: https://developer.mfsafrica.com/docs/sync-disbursements-api
- aid: onafriq:onafriq-sync-bank-transfers-api
  name: Onafriq Sync Bank Transfers API
  description: Synchronous bank transfer API for sending funds directly to bank accounts across the Onafriq network with real-time
    response semantics.
  humanURL: https://developer.mfsafrica.com/docs/web-service-summary-4
  tags:
  - Payments
  - Bank Transfers
  - Disbursements
  properties:
  - type: Documentation
    url: https://developer.mfsafrica.com/docs/web-service-summary-4
- aid: onafriq:onafriq-collections-api
  name: Onafriq Collections API
  description: Collections (Payins) API for receiving funds from customers across cards, cash agent networks, and mobile money
    wallets. Supports merchant-pull and subscriber-initiated models with real-time transaction confirmation and USD settlement
    to bank accounts.
  humanURL: https://developer.mfsafrica.com/docs/overview-5
  tags:
  - Payments
  - Collection
  - Pay-In
  - Mobile Money
  - Cards
  tags_raw:
  - Payments
  - Collections
  - Payins
  - Mobile Money
  - Cards
  properties:
  - type: Documentation
    url: https://developer.mfsafrica.com/docs/overview-5
- aid: onafriq:onafriq-rates-api
  name: Onafriq Get Rates API
  description: Programmatic access to daily foreign-exchange rates used by the Onafriq network so partners can price cross-border
    transactions and perform pre-trade quoting before submitting a payout.
  humanURL: https://developer.mfsafrica.com/docs/combined-api-information
  tags:
  - Foreign Exchange
  - Rates
  - Cross-Border Payments
  properties:
  - type: Documentation
    url: https://developer.mfsafrica.com/docs/combined-api-information
- aid: onafriq:onafriq-webhooks-api
  name: Onafriq Async Webhooks API
  description: Instant Payment Notification (IPN) webhooks delivered asynchronously to partner endpoints as transaction state
    changes — used in combination with the Async Payouts and Async Collections flows.
  humanURL: https://developer.mfsafrica.com/docs/combined-api-information
  tags:
  - Webhook
  - Notification
  - Payments
  - Eventing
  tags_raw:
  - Webhooks
  - Notifications
  - Payments
  - Eventing
  properties:
  - type: Documentation
    url: https://developer.mfsafrica.com/docs/combined-api-information
- aid: onafriq:onafriq-contacts-api
  name: Onafriq Contacts API
  description: Contacts API for adding and retrieving customer (payer / payee) records used across Payins, Payouts, and reconciliation
    workflows on the Enterprise Platform.
  humanURL: https://developer.mfsafrica.com/docs/api-overview
  tags:
  - Contacts
  - Customers
  - Identity
  properties:
  - type: Documentation
    url: https://developer.mfsafrica.com/docs/api-overview
- aid: onafriq:baxi-agent-banking-api
  name: Baxi Agent Banking API
  description: Onafriq's Nigerian agent-banking platform (Baxi) exposes Virtual Account, Fingerprint (POS biometric activation),
    and Account Debit (cardless cash-out) APIs spanning a 460,000+ agent network across all 36 Nigerian states. Supports bill
    payment, airtime/data, cable TV, and e-Naira exchange.
  humanURL: https://onafriq.com/services/agent-banking
  tags:
  - Agent Banking
  - Cash-In Cash-Out
  - Bill Payments
  - Airtime
  - Nigeria
  - Baxi
  tags_raw:
  - Agent Banking
  - Cash-In Cash-Out
  - Bill Payment
  - Airtime
  - Nigeria
  - Baxi
  properties:
  - type: Documentation
    url: https://onafriq.com/services/agent-banking
- aid: onafriq:onafriq-card-issuance-api
  name: Onafriq Card Issuance API
  description: Card issuance and processing platform for partners launching physical and virtual prepaid card programs, including
    Visa virtual card creation, lifecycle management, and globally accepted spend.
  humanURL: https://onafriq.com/services/card-issuance-and-processing
  tags:
  - Cards
  - Card Issuance
  - Prepaid
  - Virtual Cards
  properties:
  - type: Documentation
    url: https://onafriq.com/services/card-issuance-and-processing
common:
- type: TrustCenter
  url: security/onafriq-trust-center.yml
- type: DomainSecurity
  url: security/onafriq-domain-security.yml
- type: Website
  url: https://onafriq.com
- type: About
  url: https://onafriq.com/about
- type: Features
  url: https://onafriq.com/features
- type: Portal
  url: https://developers.onafriq.com
- type: Documentation
  url: https://developer.mfsafrica.com
- type: Documentation
  url: https://developer.mfsafrica.com/docs/api-overview
- type: Documentation
  url: https://developer.mfsafrica.com/docs/combined-api-information
- type: Documentation
  url: https://developer.mfsafrica.com/docs/api-endpoints
- type: Documentation
  url: https://developer.mfsafrica.com/docs/communication-protocols
- type: Documentation
  url: https://developer.mfsafrica.com/docs/schedule-a-response-codes-2
- type: Collections
  url: https://onafriq.com/services/collections
- type: Disbursements
  url: https://onafriq.com/services/disbursements
- type: CardIssuance
  url: https://onafriq.com/services/card-issuance-and-processing
- type: AgentBanking
  url: https://onafriq.com/services/agent-banking
- type: TreasuryServices
  url: https://onafriq.com/services/treasury-services
- type: Blog
  url: https://onafriq.com/insights
- type: Careers
  url: https://onafriq.com/careers
- type: Contact
  url: https://onafriq.com/contact
- type: LegacyBrand
  url: https://mfsafrica.com
- type: GitHubOrganization
  url: https://github.com/mfsafrica
- type: Twitter
  url: https://twitter.com/Onafriq
- type: LinkedIn
  url: https://www.linkedin.com/company/onafriq
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

Onafriq API — frequently asked questions

Does Onafriq have an API?

Yes. APIs.io lists 9 APIs from Onafriq, including Onafriq Async Payouts API, Onafriq Sync Payouts API and Onafriq Sync Bank Transfers API, and 6 more.

Is the Onafriq API ready for AI agents?

Onafriq has a Kin Score of 11.0 out of 100 (emerging) and an Agent Readiness score of 0.0 (human-only), scored by API Evangelist on 2026-11-06.

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