specification: API Commons Rate Limits
specificationVersion: '0.1'
schema: https://raw.githubusercontent.com/api-evangelist/interface-research/main/schema/api-commons.yml#/$defs/RateLimits
provider: Moniepoint
providerId: moniepoint
created: '2026-05-24'
modified: '2026-05-24'
reconciled: false
tags:
  - Payments
  - Rate Limiting
  - Monnify
description: >
  Rate limits and concurrency controls applied to the Monnify developer API and the Moniepoint POS Push
  Payment API. Monnify does not publish a single global rate-limit table; limits are enforced per merchant
  contract code and per resource group, with sustained throughput communicated by the merchant success team.
  Exceeded limits return HTTP 429.
sources:
  - https://developers.monnify.com
  - https://moniepoint.com
algorithm: fixed-window
responseCodes:
  throttled: 429
headers:
  retryAfter: retry-after
limits:
  - resource: Authentication
    endpoint: POST /api/v1/auth/login
    limit: 30
    window: minute
    description: Re-authentication is rate-limited; cache the accessToken until expiry (typically 3600s).
  - resource: Collections
    endpoint: POST /api/v1/merchant/transactions/init-transaction
    limit: 1000
    window: minute
    description: Default soft limit per merchant; raised on enterprise contracts.
  - resource: Reserved Accounts
    endpoint: POST /api/v2/bank-transfer/reserved-accounts
    limit: 600
    window: minute
  - resource: Disbursements
    endpoint: POST /api/v2/disbursements/single
    limit: 300
    window: minute
    description: Subject to merchant disbursement-wallet velocity policy.
  - resource: Bulk Disbursements
    endpoint: POST /api/v2/disbursements/bulk
    limit: 60
    window: minute
    description: Bulk batches up to 50,000 items.
  - resource: Verification
    endpoint: GET /api/v1/disbursements/account/validate
    limit: 600
    window: minute
  - resource: BVN Verification
    endpoint: POST /api/v1/vas/bvn-account-match
    limit: 120
    window: minute
  - resource: Bills Payment
    endpoint: POST /api/v1/bill-payment/process-bill
    limit: 300
    window: minute
  - resource: POS Push Payment
    endpoint: POST /api/v1/push-payment/request
    limit: 120
    window: minute
    description: Per ISV / per terminal limits apply; speak to Moniepoint POS integration team to raise.
notes:
  - Concrete per-merchant limits are visible in the Monnify Business dashboard or via the account success team.
  - Exceeding limits returns HTTP 429 with a responseMessage indicating throttling; back off and retry with jitter.
  - Bulk disbursements share quota with single disbursements when both run against the same source wallet.