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 (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.
Solid contracts, transparent operations, and an easy start — typically complete on four or five facets with one clear soft spot.
API Evangelist profiles Moniepoint the way a machine reads it — 116 machine-readable artifacts across 13 APIs, pulled from the provider's own public surface and indexed so a developer, an analyst, or an AI agent can evaluate it against every other provider on the network.
Every provider in the network is reduced to the same set of machine-readable artifacts — OpenAPI contracts, event specifications, GraphQL schemas, runnable collections, pricing and rate-limit signals, security posture, OAuth scopes, and the agent surfaces (MCP servers and skills) that let software drive the API on its own. We profile them because the interface is the part of a company you can actually inspect: it is a truer signal of what a provider does than any marketing page. From those artifacts we compute the Kin Score — Moniepoint scores 56.8/100 (strong), with a separate agent-readiness read of 31/100 (agent ready). The full breakdown is below, followed by every artifact we hold — each card links through to its machine-readable definition on apis.io.
Kin Score
This is the API Evangelist rating — a single, repeatable read computed from the artifacts on this page. Green fill is points earned; the red track is points possible, so every bar shows earned-versus-possible at a glance. Every facet and dimension name is a link: it opens that measurement's page on APIs.io, where the rating runs across the whole catalog — the exact checks that feed it, how every profiled provider distributes on it, and who is at the top of it.
Kin Score
How this is scored →scored 2026-09-08 · rubric v0.20.0
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How we profile Moniepoint
Each block below is one kind of artifact we hold for Moniepoint. For each we say what it is and why it earns a place in the profile, then list every one we've indexed — capped at two rows, scroll within the panel for the rest.
APIs 19
Each API is captured as its own OpenAPI definition — every operation, parameter, and response. This is the single most useful machine-readable description of what an API does, and it's what lets us score, lint, mock, and generate against it without asking the provider for anything.
Individual APIs this provider publishes, each with its own machine-readable definition.
Monnify Webhooks
Asynchronous server-to-server notifications for nine event categories — successful collection, successful / failed / reversed disbursement, successful / failed refund, settlemen...
Moniepoint Authentication API
Obtain a Bearer access token for the Monnify API.
Moniepoint Banks API
NIP bank directory and account validation.
Moniepoint Bills Payment API
Bill categories, billers, validation, processing, and status.
Moniepoint Bulk Transfers API
Initiate and query bulk transfer batches.
Moniepoint Debits API
Initiate debits against an active mandate.
Moniepoint Invoices API
Create, list, and manage invoices.
Moniepoint Limit Profiles API
Per-account transaction limit profiles.
Moniepoint Mandates API
Create and manage direct-debit mandates.
Moniepoint Push Payments API
Initiate push payments to a registered POS terminal.
Moniepoint Refunds API
Initiate and query refunds.
Moniepoint Reserved Accounts API
Manage dedicated and invoice reserved NUBAN accounts.
Moniepoint Settlements API
Settlement batches and transactions reporting.
Moniepoint Single Transfers API
Initiate, authorize, and query single transfers.
Moniepoint Sub-Accounts API
Manage settlement sub-accounts.
Moniepoint Transactions API
Initialize, charge, query, and list collection transactions.
Moniepoint Verification API
Identity, BVN, NIN, and account verification.
Moniepoint Wallet API
Disbursement wallet balance and metadata.
Moniepoint Wallets API
Manage wallets and sub-wallets.
Scroll within the panel for all 19 ·
Postman Collections 13
A runnable collection turns the contract into something a developer can execute in seconds. We profile them because the fastest way to trust an API is to make a real call against it.
Ready-to-run Postman collections for exercising this provider's APIs.
Monnify Authentication API
POSTMANMonnify Bills Payment API
POSTMANMonnify Collections API
POSTMANMonnify Direct Debit API
POSTMANMonnify Disbursements API
POSTMANMonnify Invoices API
POSTMANMonnify Refunds API
POSTMANMonnify Settlements API
POSTMANMonnify Sub-Accounts API
POSTMANMonnify Verification API
POSTMANMonnify Wallets API
POSTMANScroll within the panel for all 13 ·
Open Collections 32
Open, tool-agnostic collections carry the same runnable value as Postman without locking you to one client — the portable, forkable form of the same exercise.
Open, tool-agnostic API collections (OpenAPI-derived and Bruno).
API Collection
OPEN COLLECTIONMoniepoint POS Push Payment Authentication API
OPEN COLLECTIONMoniepoint POS Push Payment Authentication Banks API
OPEN COLLECTIONMoniepoint POS Push Payment Authentication Bills Payment API
OPEN COLLECTIONMoniepoint POS Push Payment Authentication Debits API
OPEN COLLECTIONMoniepoint POS Push Payment Authentication Invoices API
OPEN COLLECTIONMoniepoint POS Push Payment Authentication Mandates API
OPEN COLLECTIONMoniepoint POS Push Payment API
OPEN COLLECTIONMoniepoint POS Push Payment Authentication Push Payments API
OPEN COLLECTIONMoniepoint POS Push Payment Authentication Refunds API
OPEN COLLECTIONMoniepoint POS Push Payment Authentication Settlements API
OPEN COLLECTIONMoniepoint POS Push Payment Authentication Sub-Accounts API
OPEN COLLECTIONMoniepoint POS Push Payment Authentication Transactions API
OPEN COLLECTIONMoniepoint POS Push Payment Authentication Verification API
OPEN COLLECTIONMoniepoint POS Push Payment Authentication Wallet API
OPEN COLLECTIONMoniepoint POS Push Payment Authentication Wallets API
OPEN COLLECTIONMonnify Authentication API
OPEN COLLECTIONMonnify Bills Payment API
OPEN COLLECTIONMonnify Collections API
OPEN COLLECTIONMonnify Direct Debit API
OPEN COLLECTIONMonnify Disbursements API
OPEN COLLECTIONMonnify Invoices API
OPEN COLLECTIONMonnify Refunds API
OPEN COLLECTIONMonnify Reserved Accounts API
OPEN COLLECTIONMonnify Settlements API
OPEN COLLECTIONMonnify Sub-Accounts API
OPEN COLLECTIONMonnify Verification API
OPEN COLLECTIONMonnify Wallets API
OPEN COLLECTIONScroll within the panel for all 32 ·
Arazzo Workflows 13
Real integrations are rarely a single call. Arazzo describes the multi-step sequences — auth, then create, then confirm — so both a human and an agent can follow the choreography, not just the endpoints.
Multi-step API workflows described with the Arazzo specification.
Moniepoint Bulk Disbursement
Initiate a batch of transfers, poll the batch summary to completion, then list per-item results.
ARAZZOMoniepoint Card Charge With OTP
Initialize a transaction, capture a card, branch on the 3-D Secure / OTP step, and confirm.
ARAZZOMoniepoint Collect Via Bank Transfer
Initialize a collection, generate a one-time NUBAN to pay it, then poll the transaction until paid.
ARAZZOMoniepoint KYC Verified Virtual Account
Match a customer BVN to their bank account, then reserve a KYC-bound virtual account and confirm it.
ARAZZOMoniepoint Pay A Bill
List billers for a category, validate the customer, process the bill, then poll the bill status.
ARAZZOMoniepoint POS Push Payment
Push a payment request to a Moniepoint POS terminal, then poll the terminal until the customer completes it.
ARAZZOMoniepoint Recurring Mandate Debit
Create a direct-debit mandate, activate it, debit it, then read the mandate back.
ARAZZOMoniepoint Refund A Collected Payment
Confirm a collection is paid, initiate a refund against it, then poll the refund to completion.
ARAZZOMoniepoint Reserve Virtual Account
Reserve a permanent NUBAN virtual account for a customer, confirm it, and read its inbound transactions.
ARAZZOMoniepoint Single Transfer With OTP
Initiate a single transfer, branch on whether OTP authorization is required, authorize it, and confirm.
ARAZZOMoniepoint Verify And Disburse
Name-inquiry a beneficiary bank account, then disburse to it and poll the transfer to a final state.
ARAZZOMoniepoint Virtual Account With Limit Profile
Define a transaction limit profile, then reserve a virtual account bound to that profile.
ARAZZOMoniepoint Create Wallet And Check Balance
Create a customer wallet, read its available and ledger balance, then list its transactions.
ARAZZOScroll within the panel for all 13 ·
Pricing Plans 1
Pricing is part of the interface. Machine-readable plans tell you what a tier costs and includes before you commit — one of the things the Kin Score reads for access clarity — renamed from commercial clarity in rubric 0.12, because a free statutory interface has access terms and no commercial ones.
Published pricing tiers and plan structures.
Rate Limits 1
Rate limits are the difference between a demo that works and a production integration that doesn't fall over. Publishing them is an operational-transparency signal — and a hard requirement for any agent that plans its own throughput.
Documented rate limits and quota policies.
Moniepoint Rate Limits
RATE LIMITSFinOps 1
Cost, billing, and metering signals let a buyer model the financial operations of an API before it's live. We profile them for the same reason we profile pricing: the money is part of the contract.
Cost, billing, and metering signals for API financial operations.
Moniepoint Finops
FINOPSFeatures 20
The notable capabilities this provider advertises, captured as structured features so they can be searched and compared instead of read one landing page at a time.
Notable capabilities this provider offers.
Scroll within the panel for all 20 ·
Semantic Vocabularies 1
JSON-LD contexts give the data shared meaning across APIs. We profile them because semantics are what let a machine reconcile 'customer' here with 'customer' somewhere else.
JSON-LD contexts and semantic vocabularies used across these APIs.
Moniepoint Context
JSON-LDSpectral Rules 2
Governance rulesets we run against this provider's specs — the automated checks behind parts of the score. Profiling them makes the quality bar explicit and re-runnable, not a matter of opinion.
Moniepoint API Rules
SPECTRALMoniepoint API Rules
SPECTRALJSON Schema 4
Standalone JSON Schema definitions describe the data models behind the API. We profile them so the shapes are validatable on their own — useful long after a single request is forgotten.
Standalone JSON Schema definitions for this provider's data models.
Monnify Reserved Account
JSON SCHEMAMonnify Transaction
JSON SCHEMAMonnify Transfer
JSON SCHEMAMonnify Webhook Notification
JSON SCHEMAExamples 5
Real request and response payloads are what turn a spec from abstract into obvious — and they're one of the twelve things an agent needs to call an API correctly on the first try.
Example request and response payloads for these APIs.
Security Posture 3
Authentication, domain security, vulnerability disclosure, and trust-center signals — the evidence that a provider takes security seriously enough to document it. We profile it because you can't govern what you can't see.
Authentication, domain security, vulnerability disclosure, and trust-center signals.
Agentic Access 1
An x-agentic-access contract marks which operations are safe for an agent to run on its own and which need a human in the loop. It is the difference between an API an agent can use and one it can use safely.
Recommended x-agentic-access execution contracts for AI agents.
Resources
Every other property we hold for Moniepoint — documentation, portals, status pages, policies, and corporate surface — grouped by the job it does, following the integrator's arc from getting started to running in production.
Get Started 6
Portal, sign-up, and the first successful call
Documentation 4
Reference material describing how the API behaves
Agent Surfaces 1
MCP servers, agent skills, and machine-readable catalogs
Design & Contract 18
Pagination, idempotency, versioning, errors, and events
Scroll within the panel for all 18 ·
Build 5
SDKs, sample code, and the tooling you integrate with
Access & Security 5
Authentication, authorization, and security posture
Learn 1
Tutorials, courses, talks, and written guidance
Operate 4
Status, limits, changes, and where to get help
Commercial 4
Pricing, plans, and the legal terms of use
Company 7
The organization behind the API
Scroll within the panel for all 7 ·
Other 1
Properties that don't map to a standard resource type
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This is an independent, third-party profile of Moniepoint, published by API Evangelist. We do not operate, host, resell, or support these APIs, and we are not affiliated with or endorsed by the company unless stated above. Everything here is built from publicly available information — the company's own site, developer portal, documentation, public repositories, and the specifications it publishes for public use. Nothing is obtained by breaching a system, defeating an access control, or using credentials.
The Kin Score and Agent Readiness rating are independently calculated assessments of a company's public API artifacts, scored against a published rubric. They are not certifications, endorsements, security assessments, or audits.
Corrections, re-scores, and removal are free — no partnership or purchase required, and you do not need to justify the request. A removed company is recorded as unrated, never scored zero for having asked. Acknowledgement within one business day; removal within two.
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