aid: moniepoint url: https://raw.githubusercontent.com/api-evangelist/moniepoint/refs/heads/main/apis.yml apis: - aid: moniepoint:monnify-authentication-api name: Monnify Authentication API tags: - Authentication - OAuth - Tokens humanURL: https://developers.monnify.com/docs/getting-started/authentication properties: - url: https://developers.monnify.com/docs/getting-started/authentication type: Documentation - url: openapi/monnify-authentication-api-openapi.yml type: OpenAPI - type: NaftikoCapability url: capabilities/authentication-login.yaml description: Exchange Monnify API key and secret credentials (Basic auth) for a short-lived Bearer access token via POST /api/v1/auth/login. The returned accessToken plus expiresIn drives every other Monnify API call. Tokens expire after one hour and must be re-issued; client code typically caches and refreshes on demand. - aid: moniepoint:monnify-collections-api name: Monnify Collections API tags: - Collections - Payments - Cards - Bank Transfer - USSD - QR humanURL: https://developers.monnify.com/docs/collections properties: - url: https://developers.monnify.com/docs/collections type: Documentation - url: openapi/monnify-collections-api-openapi.yml type: OpenAPI - url: json-schema/monnify-transaction-schema.json type: JSONSchema - url: json-ld/moniepoint-context.jsonld type: JSONLD - type: NaftikoCapability url: capabilities/collections-transactions.yaml - type: NaftikoCapability url: capabilities/collections-cards.yaml description: Initialize one-time payment transactions, accept card payments with 3-D Secure / OTP authorization, charge tokenized cards, complete bank-transfer payments, and look up transaction status. Powers the Monnify Checkout, server-to-server card capture, and pay-with-transfer flows used by Nigerian merchants. Endpoints under /api/v1/merchant/transactions/ and /api/v1/sdk/transactions/. - aid: moniepoint:monnify-reserved-accounts-api name: Monnify Reserved Accounts API tags: - Reserved Accounts - Virtual Accounts - Bank Transfer - KYC - Limits humanURL: https://developers.monnify.com/docs/collections/customer-reserved-account properties: - url: https://developers.monnify.com/docs/collections/customer-reserved-account type: Documentation - url: openapi/monnify-reserved-accounts-api-openapi.yml type: OpenAPI - url: json-schema/monnify-reserved-account-schema.json type: JSONSchema - type: NaftikoCapability url: capabilities/reserved-accounts-accounts.yaml - type: NaftikoCapability url: capabilities/reserved-accounts-limits.yaml description: Programmatically provision permanent NUBAN virtual accounts (dedicated and one-time invoice variants) for customers and merchants. Supports income-split configuration to multiple sub-accounts, KYC updates (BVN / NIN), allowed-source-account restriction, deallocation, transaction history, and per-account limit profiles. V2 endpoints under /api/v2/bank-transfer/reserved-accounts/. - aid: moniepoint:monnify-disbursements-api name: Monnify Disbursements API tags: - Disbursements - Transfers - Payouts - NIP - Bulk humanURL: https://developers.monnify.com/docs/disbursements properties: - url: https://developers.monnify.com/docs/disbursements type: Documentation - url: https://developers.monnify.com/docs/disbursements/single-transfers type: Documentation - url: https://developers.monnify.com/docs/disbursements/bulk-transfers type: Documentation - url: openapi/monnify-disbursements-api-openapi.yml type: OpenAPI - url: json-schema/monnify-transfer-schema.json type: JSONSchema - type: NaftikoCapability url: capabilities/disbursements-single.yaml - type: NaftikoCapability url: capabilities/disbursements-bulk.yaml description: Initiate single and bulk NIP transfers to any Nigerian bank account, with two-factor OTP authorization, wallet-balance lookup, transfer status, list/search, and resend-OTP. As of April 2026 the request flow follows Name Inquiry → Disbursement Request and requires a verified beneficiary account name. Sender-information object supported since October 2025. Endpoints under /api/v2/disbursements/single, /api/v2/disbursements/bulk, /api/v2/disbursements/wallet-balance. - aid: moniepoint:monnify-sub-accounts-api name: Monnify Sub-Accounts API tags: - Sub-Accounts - Settlement - Split Payments humanURL: https://developers.monnify.com/docs/sub-accounts properties: - url: https://developers.monnify.com/docs/sub-accounts type: Documentation - url: openapi/monnify-sub-accounts-api-openapi.yml type: OpenAPI - type: NaftikoCapability url: capabilities/sub-accounts-sub-accounts.yaml description: Create and manage settlement sub-accounts representing third parties that should receive a configured percentage of each transaction (marketplaces, multi-tenant platforms, franchise networks). Settlement bank, split percentage, default flag, and per-call income-split configuration. Endpoints under /api/v1/sub-accounts. - aid: moniepoint:monnify-direct-debit-api name: Monnify Direct Debit API tags: - Direct Debit - Mandates - Recurring Payments - NIBSS humanURL: https://developers.monnify.com/docs/direct-debit properties: - url: https://developers.monnify.com/docs/direct-debit type: Documentation - url: openapi/monnify-direct-debit-api-openapi.yml type: OpenAPI - type: NaftikoCapability url: capabilities/direct-debit-mandates.yaml - type: NaftikoCapability url: capabilities/direct-debit-debit.yaml description: Create, activate, and debit recurring NIBSS direct-debit mandates against a customer's bank account. Smart routing uses TeamApt as the primary processor with NIBSS as fallback for improved success rates. Supports incomeSplit on mandate-debit to settle into multiple sub-accounts. Endpoints under /api/v1/direct-debit/mandate/ and /api/v1/direct-debit/mandate/debit. - aid: moniepoint:monnify-invoices-api name: Monnify Invoices API tags: - Invoices - Billing - Static - Dynamic humanURL: https://developers.monnify.com/docs/invoices properties: - url: https://developers.monnify.com/docs/invoices type: Documentation - url: openapi/monnify-invoices-api-openapi.yml type: OpenAPI - type: NaftikoCapability url: capabilities/invoices-invoices.yaml description: Create static and dynamic invoices that generate hosted payment pages and unique reserved accounts. Supports invoice listing, status lookup, and cancellation. Backs Monnify's invoicing dashboard and embedded invoicing in business-management apps. Endpoints under /api/v1/invoice. - aid: moniepoint:monnify-bills-payment-api name: Monnify Bills Payment API tags: - Bills - Airtime - Data - Electricity - Cable TV - Betting humanURL: https://developers.monnify.com/docs/bills-payment properties: - url: https://developers.monnify.com/docs/bills-payment type: Documentation - url: openapi/monnify-bills-payment-api-openapi.yml type: OpenAPI - type: NaftikoCapability url: capabilities/bills-payment-bills.yaml description: Unified Biller Service for purchasing airtime and data, paying electricity and cable-TV bills, funding betting wallets, and paying education fees. List categories, billers, and biller items; validate the customer; process the bill; check status. Endpoints under /api/v1/bill-payment/. - aid: moniepoint:monnify-verification-api name: Monnify Verification API tags: - Verification - BVN - NIN - Bank Account - KYC humanURL: https://developers.monnify.com/docs/verification properties: - url: https://developers.monnify.com/docs/verification type: Documentation - url: openapi/monnify-verification-api-openapi.yml type: OpenAPI - type: NaftikoCapability url: capabilities/verification-verifications.yaml description: Validate a Nigerian bank account number (Name Inquiry), match a Bank Verification Number (BVN) against an account, and verify National Identification Numbers (NIN). Critical for KYC, disbursement beneficiary checks, and fraud prevention. Endpoints under /api/v1/disbursements/account/validate, /api/v1/vas/bvn-account-match, and /api/v1/vas/verify-nin. - aid: moniepoint:monnify-wallets-api name: Monnify Wallets API tags: - Wallets - Balance - Statements - Sub-Wallets humanURL: https://developers.monnify.com/docs/wallets properties: - url: https://developers.monnify.com/docs/wallets type: Documentation - url: openapi/monnify-wallets-api-openapi.yml type: OpenAPI - type: NaftikoCapability url: capabilities/wallets-wallets.yaml description: Create wallets and sub-wallets, query main and disbursement balances, list transactions, and pull statements. Used to fund disbursement operations and to model end-user wallets for business-management products. Endpoints under /api/v1/disbursements/wallet-balance and /api/v1/disbursements/wallet. - aid: moniepoint:monnify-refunds-api name: Monnify Refunds API tags: - Refunds - Reversals - Disputes humanURL: https://developers.monnify.com/docs/refunds properties: - url: https://developers.monnify.com/docs/refunds type: Documentation - url: openapi/monnify-refunds-api-openapi.yml type: OpenAPI - type: NaftikoCapability url: capabilities/refunds-refunds.yaml description: Initiate full or partial refunds against a successful collection, list refunds, and look up refund status. Refund events emit successful_refund / failed_refund webhooks for asynchronous reconciliation. Endpoints under /api/v1/refunds. - aid: moniepoint:monnify-settlements-api name: Monnify Settlements API tags: - Settlement - Payouts - Reporting humanURL: https://developers.monnify.com/docs/settlements properties: - url: https://developers.monnify.com/docs/settlements type: Documentation - url: openapi/monnify-settlements-api-openapi.yml type: OpenAPI - type: NaftikoCapability url: capabilities/settlements-settlements.yaml description: Retrieve settlement information for collected funds — settlement batches per merchant or sub-account, settlement transactions, and settlement bank details. Backs reconciliation of daily settlement payouts into the merchant's external bank account. Endpoints under /api/v1/transactions/find-by-settlement-reference and /api/v1/settlements. - aid: moniepoint:monnify-webhooks name: Monnify Webhooks tags: - Webhooks - Events - HMAC - SHA-512 humanURL: https://developers.monnify.com/docs/webhooks properties: - url: https://developers.monnify.com/docs/webhooks type: Documentation - url: json-schema/monnify-webhook-schema.json type: JSONSchema description: Asynchronous server-to-server notifications for nine event categories — successful collection, successful / failed / reversed disbursement, successful / failed refund, settlement completion, mandate status change, wallet activity, and low_balance_alert (added September 2025). Every payload includes a monnify-signature header computed as HMAC-SHA-512 of the stringified request body using the client secret. Standard envelope { eventType, eventData }. - aid: moniepoint:moniepoint-pos-api name: Moniepoint POS Push Payment API tags: - POS - Terminals - Push Payments - Acquiring humanURL: https://docs.pos.moniepoint.com properties: - url: https://docs.pos.moniepoint.com type: Documentation - url: https://teamapt.atlassian.net/wiki/spaces/EI/pages/1039826999/Push+Payment+Request+API+Reference type: Documentation - url: https://teamapt.atlassian.net/wiki/spaces/EI/pages/1042120729/API+Client+Credentials type: Documentation - url: openapi/moniepoint-pos-api-openapi.yml type: OpenAPI - type: NaftikoCapability url: capabilities/pos-push-payment.yaml description: Push payment-request flow for Moniepoint POS terminals. ISV partners send an authenticated push to a registered terminal serial number; the merchant taps to accept and the terminal completes a card or transfer collection routed through Moniepoint's acquiring rails. Authentication uses an API client ID / secret pair issued through the Moniepoint Business dashboard. name: Moniepoint tags: - Africa - Nigeria - Payments - Banking - Fintech - Acquiring - POS - Collections - Disbursements - Virtual Accounts - Direct Debit - Bills Payment - SMB - Working Capital - Unicorn kind: contract image: https://kinlane-productions2.s3.amazonaws.com/apis-json/apis-json-logo.jpg access: 3rd-Party common: - type: Portal url: https://moniepoint.com - type: Portal url: https://developers.monnify.com name: Monnify Developer Portal - type: Documentation url: https://developers.monnify.com/api name: Monnify API Reference - type: Documentation url: https://docs.pos.moniepoint.com name: Moniepoint POS API Documentation - type: Documentation url: https://teamapt.atlassian.net/wiki/spaces/MON/pages name: Monnify Confluence Archive - type: Documentation url: https://teamapt.atlassian.net/wiki/spaces/EI/pages name: Moniepoint POS Developer Support (Confluence) - type: GettingStarted url: https://developers.monnify.com/docs/getting-started - type: ChangeLog url: https://developers.monnify.com/docs/change-logs - type: Blog url: https://developers.monnify.com/blog name: Monnify Developer Blog - type: Blog url: https://engineering.moniepoint.com name: Moniepoint Engineering Blog - type: Blog url: https://moniepoint.com/blog - type: Press url: https://moniepoint.com/press - type: Support url: https://support.moniepoint.com - type: Training url: https://learning.moniepoint.com - type: TrustCenter url: https://trust.moniepoint.com - type: PrivacyPolicy url: https://moniepoint.com/ng/privacy-policy - type: TermsOfService url: https://moniepoint.com/ng/terms-of-service - type: SignUp url: https://app.monnify.com/create-account name: Monnify Sign Up - type: SignUp url: https://app.moniepoint.com/signup name: Moniepoint Business Sign Up - type: Sandbox url: https://sandbox.monnify.com - type: GitHubOrganization url: https://github.com/Moniepoint - type: LinkedIn url: https://www.linkedin.com/company/moniepoint - type: Twitter url: https://twitter.com/moniepointNG - type: Careers url: https://moniepoint.com/careers - type: SDK url: https://github.com/Moniepoint/dart-flow name: dart-flow (Dart async stream library) - type: SDK url: https://github.com/cla-bit/MonnifyEase name: MonnifyEase (community Python wrapper) - type: SDK url: https://github.com/abdsalam/laravel-monnify name: Laravel Monnify (community) - type: Webhooks url: https://developers.monnify.com/docs/webhooks - type: Errors url: https://developers.monnify.com/docs/getting-started/errors - type: Authentication url: https://developers.monnify.com/docs/getting-started/authentication - type: RateLimits url: https://developers.monnify.com/docs/rate-limits - type: Versioning url: https://developers.monnify.com/docs/getting-started/versioning - type: Plans url: plans/moniepoint-plans-pricing.yml - type: RateLimits url: rate-limits/moniepoint-rate-limits.yml - type: FinOps url: finops/moniepoint-finops.yml - type: Vocabulary url: vocabulary/moniepoint-vocabulary.yml - type: Rules url: rules/moniepoint-rules.yml - type: Features data: - Africa's largest merchant acquirer — ~10M business and individual accounts, $17B monthly TPV, 26M daily payments processed - POS terminal acquiring across Nigeria for in-person card and bank-transfer collections - Monnify developer platform (formerly TeamApt) — embedded payments, banking, and disbursements for Nigerian businesses - Collections API with Monnify Checkout, server-to-server card capture (3-D Secure / OTP), pay-with-transfer, and USSD - Permanent NUBAN virtual accounts (Reserved Accounts) with V2 limit profiles, KYC, and income-split routing - Single and bulk NIP transfers with mandatory name-inquiry pre-flight (April 2026) and sender-information support - Sub-accounts for marketplaces, franchises, and multi-tenant settlement with per-transaction split percentages - Direct-debit mandates with smart routing (TeamApt primary, NIBSS fallback) and incomeSplit on debit - Static and dynamic invoices with hosted payment pages and per-invoice reserved accounts - Unified Bills Payment service — airtime, data, electricity, cable TV, betting, education - Verification services — bank account name inquiry, BVN-account match, NIN verification - Wallet APIs for main and sub-wallet balances, statements, and transactions - HMAC-SHA-512 signed webhooks across nine event categories including new low_balance_alert (Sept 2025) - Sandbox environment at sandbox.monnify.com with separate API key / secret pair - OAuth-style flow — Basic auth to /api/v1/auth/login returns short-lived Bearer accessToken - Standard response envelope { requestSuccessful, responseMessage, responseCode, responseBody } - Community SDKs and wrappers for PHP, Laravel, Python; official Dart utility library (dart-flow) - Moniepoint POS Push Payment API for ISV-initiated payments to registered terminal serial numbers - Working-capital credit, business bank accounts, expense cards, and bookkeeping tools alongside the payments rails - Cross-border payments and Kenya expansion (2024-2026) extending the Nigerian core sources: - https://moniepoint.com - https://developers.monnify.com - https://developers.monnify.com/api - https://developers.monnify.com/docs/change-logs - https://developers.monnify.com/docs/webhooks - https://docs.pos.moniepoint.com - https://github.com/Moniepoint - https://moniepoint.com/payments updated: '2026-05-24' created: '2026-05-24T00:00:00.000Z' modified: '2026-05-24' position: Consuming description: 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. maintainers: - FN: Kin Lane email: info@apievangelist.com X: apievangelist url: https://apievangelist.com specificationVersion: '0.16'