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-productions.s3.amazonaws.com/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