Onafriq

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
position: Provider
access: 3rd-Party
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- 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
url: https://raw.githubusercontent.com/api-evangelist/onafriq/refs/heads/main/apis.yml
created: '2026-05-24'
modified: '2026-05-24'
specificationVersion: '0.20'
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
  - 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
  - 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:
  - 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 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: 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