Moniepoint (moniepoint)

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, disbursements, 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.

URL: Visit APIs.json

Run: Capabilities Using Naftiko

Tags

• Africa, Nigeria, Payments, Banking, Fintech, Acquiring, POS, Collections, Disbursements, Virtual Accounts, Direct Debit, Bills Payment, SMB, Working Capital, Unicorn

Timestamps

• Created: 2026-05-24
• Modified: 2026-05-24

Platform At A Glance

Metric	Value
Business & individual accounts	~10 million
Monthly transaction volume	$17 billion
Daily payments processed	26 million
Peak API throughput	200M calls / minute
Primary market	Nigeria (largest merchant acquirer)
Secondary market	Kenya
Developer brand	Monnify
Production base URL	https://api.monnify.com
Sandbox base URL	https://sandbox.monnify.com
POS API base URL	https://pos.moniepoint.com
Auth	Basic apiKey:secretKey to /api/v1/auth/login then Bearer accessToken (1h TTL)
Response envelope	{ requestSuccessful, responseMessage, responseCode, responseBody }
Webhook signature	monnify-signature header = HMAC-SHA-512(clientSecret, stringifiedBody)

APIs

Monnify Authentication API

Exchange Monnify API key + secret credentials (Basic auth) for a short-lived Bearer access token via POST /api/v1/auth/login. Cache the accessToken until expiry.

Human URL: https://developers.monnify.com/docs/getting-started/authentication

• OpenAPI
• Naftiko Capability — Login

Monnify Collections API

Initialize one-time payment transactions, accept card payments with 3-D Secure / OTP, charge tokenized cards, complete bank-transfer payments, and look up transaction status.

Human URL: https://developers.monnify.com/docs/collections

• OpenAPI
• JSON Schema — Transaction
• JSON-LD
• Naftiko Capability — Transactions
• Naftiko Capability — Cards

Monnify Reserved Accounts API

Provision permanent NUBAN virtual accounts (dedicated and invoice variants) for customers, with income-split routing, KYC updates (BVN / NIN), allowed-source restrictions, deallocation, transaction history, and per-account limit profiles. V2 endpoints under /api/v2/bank-transfer/reserved-accounts/.

Human URL: https://developers.monnify.com/docs/collections/customer-reserved-account

• OpenAPI
• JSON Schema — Reserved Account
• Naftiko Capability — Reserved Accounts
• Naftiko Capability — Limit Profiles

Monnify Disbursements API

Initiate single and bulk NIP transfers with two-factor OTP authorization, wallet-balance lookup, transfer status, list/search, and resend-OTP. Since April 2026, the flow follows Name Inquiry → Disbursement Request and requires a verified beneficiary account name. senderInformation supported since October 2025.

Human URL: https://developers.monnify.com/docs/disbursements

• OpenAPI
• JSON Schema — Transfer
• Naftiko Capability — Single Transfers
• Naftiko Capability — Bulk Transfers

Monnify Sub-Accounts API

Create and manage settlement sub-accounts for marketplaces, franchises, and multi-tenant platforms. Settlement bank, split percentage, default flag, per-call income-split configuration.

Human URL: https://developers.monnify.com/docs/sub-accounts

• OpenAPI
• Naftiko Capability — Sub-Accounts

Monnify Direct Debit API

Create, activate, and debit recurring NIBSS direct-debit mandates. Smart routing uses TeamApt as primary processor with NIBSS as fallback. incomeSplit supported on mandate-debit (April 2026).

Human URL: https://developers.monnify.com/docs/direct-debit

• OpenAPI
• Naftiko Capability — Mandates
• Naftiko Capability — Debits

Monnify Invoices API

Create static and dynamic invoices that generate hosted payment pages and unique reserved accounts. Supports listing, status lookup, and cancellation.

Human URL: https://developers.monnify.com/docs/invoices

• OpenAPI
• Naftiko Capability — Invoices

Monnify Bills Payment API

Unified Biller Service for airtime, data, electricity, cable TV, betting, and education. List categories, billers, biller items; validate customer; process bill; check status.

Human URL: https://developers.monnify.com/docs/bills-payment

• OpenAPI
• Naftiko Capability — Bills

Monnify Verification API

Validate Nigerian bank account numbers (Name Inquiry), match BVN to bank account, and verify NIN. Critical for KYC, disbursement beneficiary checks, and fraud prevention.

Human URL: https://developers.monnify.com/docs/verification

• OpenAPI
• Naftiko Capability — Verification

Monnify Wallets API

Create wallets and sub-wallets, query main and disbursement balances, list transactions, and pull statements.

Human URL: https://developers.monnify.com/docs/wallets

• OpenAPI
• Naftiko Capability — Wallets

Monnify Refunds API

Initiate full or partial refunds against a successful collection, list refunds, and look up refund status. Emits successful_refund / failed_refund webhooks.

Human URL: https://developers.monnify.com/docs/refunds

• OpenAPI
• Naftiko Capability — Refunds

Monnify Settlements API

Retrieve settlement information for collected funds — settlement batches per merchant or sub-account, settlement transactions, and settlement bank details.

Human URL: https://developers.monnify.com/docs/settlements

• OpenAPI
• Naftiko Capability — Settlements

Monnify Webhooks

Asynchronous 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). HMAC-SHA-512 signature in the monnify-signature header.

Human URL: https://developers.monnify.com/docs/webhooks

• JSON Schema — Webhook

Moniepoint POS Push Payment API

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.

Human URL: https://docs.pos.moniepoint.com

• OpenAPI
• Naftiko Capability — Push Payment

Common Properties

• Portal — moniepoint.com
• Portal — Monnify Developer Portal
• Documentation — Monnify API Reference
• Documentation — Moniepoint POS API
• Documentation — Monnify Confluence Archive
• Documentation — POS Developer Support (Confluence)
• GettingStarted
• ChangeLog
• Blog — Monnify Developer Blog
• Blog — Moniepoint Engineering
• Blog — moniepoint.com/blog
• Press
• Support
• Training — Learning Centre
• TrustCenter
• PrivacyPolicy
• TermsOfService
• SignUp — Monnify
• SignUp — Moniepoint Business
• Sandbox — sandbox.monnify.com
• GitHubOrganization
• LinkedIn
• Twitter
• Careers
• Webhooks
• Errors
• Authentication
• RateLimits
• Versioning
• SDK — dart-flow
• SDK — MonnifyEase (community)
• SDK — Laravel Monnify (community)

Artifacts

Machine-readable API specifications organized by format.

OpenAPI

• Monnify Authentication API
• Monnify Collections API
• Monnify Reserved Accounts API
• Monnify Disbursements API
• Monnify Sub-Accounts API
• Monnify Direct Debit API
• Monnify Invoices API
• Monnify Bills Payment API
• Monnify Verification API
• Monnify Wallets API
• Monnify Refunds API
• Monnify Settlements API
• Moniepoint POS Push Payment API

JSON Schema

• Monnify Transaction
• Monnify Reserved Account
• Monnify Transfer
• Monnify Webhook

JSON-LD

• Moniepoint Context

Capabilities (Naftiko)

• Authentication — Login
• Collections — Transactions
• Collections — Cards
• Reserved Accounts — Accounts
• Reserved Accounts — Limit Profiles
• Disbursements — Single Transfers
• Disbursements — Bulk Transfers
• Sub-Accounts
• Direct Debit — Mandates
• Direct Debit — Debits
• Invoices
• Bills Payment
• Verification
• Wallets
• Refunds
• Settlements
• POS — Push Payment

Examples

• Initialize Transaction
• Reserve A Customer Account (V2)
• Initiate Single Transfer
• Successful Collection Webhook
• POS Push Payment Request

Commercial artifacts

• Plans / Pricing
• Rate Limits
• FinOps Definition

Governance

• Spectral Rules
• Vocabulary

Maintainers

FN: Kin Lane

Email: info@apievangelist.com