# Onafriq

**Canonical:** https://apis.io/providers/onafriq/  
**Website:** https://onafriq.com  
**APIs profiled:** 9

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.

## Kin Score — 10.4 / 100 (minimal)

Scored 2026-08-21 under rubric 0.12.0. Trend: flat (+0.0 from 10.4).

| Facet | Score |
|---|---|
| Discoverability | 64.8 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 2.6 |
| Developer Ergonomics | 21.4 |
| Commercial Clarity | 7.9 |
| Access Clarity | 7.9 |

Regulatory layer — **Payments**: 17.2 (matched via tags).

## Agent readiness — 0.0 (human-only)

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

## Access

Unknown — onboarding: unknown, pricing: unknown, trial: no (confidence: low).

## APIs (9)

- **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...

## Security (2)

- **Onafriq Domain Security** — TLSv1.3 · HSTS · DMARC
- **Onafriq Trust Center** — ISO 27001, PCI DSS

## Tags

Payments, Mobile Money, Remittance, Cross-Border Payments, Disbursements, Payouts, Collection, Bank Transfers, Card Issuance, Agent Banking, Treasury, Foreign Exchange, Webhook, Africa, Fintech, Financial-Services, MFS Africa, Onafriq, Baxi

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