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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.

agent native

Reference-quality API operations across every facet — a rich contract, published governance, transparent operations, and machine-readable commercial terms.

Kin Score

API Evangelist profiles Moniepoint the way a machine reads it — 97 machine-readable artifacts across 19 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 70.3/100 (exemplar), with a separate agent-readiness read of 62/100 (agent native). 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.

Kin Score Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5
Composite quality — 70.3/100 · exemplar
Contract Quality 16.9 / 25
Developer Ergonomics 14.3 / 20
Commercial Clarity 13.7 / 20
Operational Transparency 7.9 / 13
Governance 10.4 / 12
Discoverability 8.0 / 10
Regulatory · Banking & Open Finance 9.8 / 15
Agent readiness — 62/100 · agent native
Machine-Readable Contract 18 / 18
Agentic Access Contract 15 / 15
MCP Server 0 / 12
Machine-Readable Auth 10 / 10
Idempotency 0 / 9
Stable Error Semantics 8 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 7 / 7
Typed Event Surface 6 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3

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.

Scroll within the panel for all 13 ·

Open Collections 13

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).

Monnify Bills Payment API

OPEN COLLECTION

Monnify Collections API

OPEN COLLECTION

Monnify Direct Debit API

OPEN COLLECTION

Monnify Disbursements API

OPEN COLLECTION

Monnify Invoices API

OPEN COLLECTION

Monnify Refunds API

OPEN COLLECTION

Monnify Settlements API

OPEN COLLECTION

Monnify Sub-Accounts API

OPEN COLLECTION

Monnify Verification API

OPEN COLLECTION

Monnify Wallets API

OPEN COLLECTION

Scroll within the panel for all 13 ·

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.

ARAZZO

Moniepoint Card Charge With OTP

Initialize a transaction, capture a card, branch on the 3-D Secure / OTP step, and confirm.

ARAZZO

Moniepoint Collect Via Bank Transfer

Initialize a collection, generate a one-time NUBAN to pay it, then poll the transaction until paid.

ARAZZO

Moniepoint KYC Verified Virtual Account

Match a customer BVN to their bank account, then reserve a KYC-bound virtual account and confirm it.

ARAZZO

Moniepoint Pay A Bill

List billers for a category, validate the customer, process the bill, then poll the bill status.

ARAZZO

Moniepoint POS Push Payment

Push a payment request to a Moniepoint POS terminal, then poll the terminal until the customer completes it.

ARAZZO

Moniepoint Recurring Mandate Debit

Create a direct-debit mandate, activate it, debit it, then read the mandate back.

ARAZZO

Moniepoint Refund A Collected Payment

Confirm a collection is paid, initiate a refund against it, then poll the refund to completion.

ARAZZO

Moniepoint Reserve Virtual Account

Reserve a permanent NUBAN virtual account for a customer, confirm it, and read its inbound transactions.

ARAZZO

Moniepoint Single Transfer With OTP

Initiate a single transfer, branch on whether OTP authorization is required, authorize it, and confirm.

ARAZZO

Moniepoint Verify And Disburse

Name-inquiry a beneficiary bank account, then disburse to it and poll the transfer to a final state.

ARAZZO

Moniepoint Virtual Account With Limit Profile

Define a transaction limit profile, then reserve a virtual account bound to that profile.

ARAZZO

Moniepoint Create Wallet And Check Balance

Create a customer wallet, read its available and ledger balance, then list its transactions.

ARAZZO

Scroll 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 six things the Kin Score reads for commercial clarity.

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

9 limits

RATE LIMITS

FinOps 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.

Features 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.

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

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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

0 classes · 7 properties

JSON-LD

Spectral 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

5 rules · 3 warnings

SPECTRAL

Moniepoint API Rules

9 rules · 5 errors · 3 warnings

SPECTRAL

JSON 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

15 properties

JSON SCHEMA

Monnify Transaction

20 properties

JSON SCHEMA

Monnify Transfer

14 properties

JSON SCHEMA

Monnify Webhook Notification

2 properties

JSON SCHEMA

Examples 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.

Moniepoint Authentication

http · 2 schemes

SECURITY

Moniepoint Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Moniepoint Trust Center

SOC 2, ISO 27001

SECURITY

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.

Moniepoint Agentic Access

63 operations · 33 acting

63 operations · 33 acting

AGENTIC

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.

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

Learn 1

Tutorials, courses, talks, and written guidance

Company 7

The organization behind the API

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← All providers · Data indexed from github.com/api-evangelist/moniepoint · machine-readable index on apis.io