Search..

API Reference

Learn how to integrate Monnify APIs into your applications.


Introduction

The Monnify API provides extensive access to the features available on our dashboard, enabling you to leverage them for your own application. To get started, you must first create a Monnify account on www.monnify.com and obtain the required API keys for all Monnify integrations. Please note that the Monnify API is secured through Basic Authentication or OAuth (Bearer Tokens).

Authentication

Monnify's core security protocol is OAuth 2.0, which authenticates API requests via associated API keys that can be managed directly from the dashboard. Monnify provides an API key, that is used together with a secret key to generate a basic token and a secret key that should be kept confidential and stored exclusively on...Read more


Webhooks

Webhooks is an API concept that enables applications to automatically communicate with each other without constant polling. Monnify integration sends ...Read more

Monnify Webhook Events and Structure

As part of the Monnify integration, notifications are automatically sent to your system when certain actions are completed. These notifications trigger corresponding activities on your system, and you can specify URLs for certain activities on your integration. The notifications include an event-type property that indicates what action has taken place, as well as event data containing details of the event.

Supported notification event types on Monnify include

  1. Successful Collection (for successful payments made on your account)
    ...Read more
  2. Successful Disbursement (for disbursement transactions with a successful definite status)
    ...Read more
  3. Failed Disbursement (for failed disbursement transactions)
    ...Read more
  4. Successful Refund (for successfully processed initiated refunds)
    ...Read more
  5. Failed Refund (for failed initiated refunds)
    ...Read more
  6. Settlement Completion (for successfully processed settlements to your bank account or wallet)
    ...Read more
  7. Completed Oflline Payments
    ...Read more
  8. Notification for Rejected Payments
    ...Read more


Structure and Sample

A typical event notification structure is of the format:

Sample event notification structure
Copy button
{ 
        "eventType": "type_of_event",
        "eventData": {
          "prop1": "value1",
          "prop2": "value2"
        }
      }

Transaction Hash Computation

As a security measure, Monnify computes a hash of the request body whenever it sends a notification and includes it in the request header with the key...Read more


Javascript, PHP, Java Sample Codes:

Expand to see Sample codes on how to compute Transaction Hash in Javascript, PHP, Java etc....Read more


Going Live

After successfully uploading necessary documents and meeting compliance requirements, your Monnify account will be activated, and you will be ready to go live. However, before doing so, it is important to check that certain components are properly set up to ensure smooth payment collection, communication between Monnify and your business, and communication between your customers and your business.

Seamless Payment Collection And Notification

This guide will outline the necessary steps for setting up seamless payment collection and notification through the use of webhook URLs on your Monnify dashboard...Read more


Disabling OTP API Disbursement And IP Whitelisting

If your application is planning to integrate our disbursement API, it is advisable to disable the sending of OTP to your business email when customers initiate a withdraw...Read more

Switching From Monnify Sandbox To Live Mode

It's recommended that you change all your Monnify sandbox credentials to their respective live credentials when going live. This includes the Monnify Sandbox base_url, API Key and Secret, and Contract Code.



Authentication

Generate Access Token

POST
{{base_url}}/api/v1/auth/login

Headers

Authorization
basic
Authorize this API call by including Authorization header that contains the word 'Basic' followed by a space and a base64-encoded string 'apiKey:clientSecret' i.e. 'Basic base64(ApiKey:SecretKey)', include the Token in the request header.

Body Params

REQUEST
Copy button
curl --header "Content-Type: application/json" 
 --request POST 
 --data '{}' 
 {{sandbox_url}}/api/v1/auth/login
RESPONSE
Copy button
{
    "requestSuccessful": true,
    "responseMessage": "success",
    "responseCode": "0",
    "responseBody": {
        "accessToken": "eyJhbGciOiJSUzI1NiIsInR5cCI6IkpXVCJ9.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.KOkMyFJIMKc6aZViDB3ekoiCPU2647eW_1RpySy9t_OXzfDSER2nn2QzXZsGPn8GlPJ4ZdhtuhevHQCLnEKQYIScgB9EQTPHTldiBG7uf9ta3NQK6Sxzq2pkM8heuO1v87tqtPLbBF7LlmI21liUPAPrxJVnw5PhCAOKbInIG-sj0BWbwMXJ2E8Cgz6yUeQ46-C0bmkyc0U6-FqENPSNl7oNXNY-nWaQfXd7tw2ybE4YoEzoRXcLTy0KLjlf3sxA5PizyT3nh9YqjVIRli-3sggnpvdjmIzw8784g_knNYmA8rj1Of7ROa_enDYmH6dWHbB1luchU9Y67FMhlBDWLg",
        "expiresIn": 3567
    }
}

Transactions

Initialize Transaction

This endpoint initialises the transaction that would be used for card payments and dynamic transfers.
POST
{{base_url}}/api/v1/merchant/transactions/init-transaction

Headers

Authorization
bearer
Authorize this API call by generating a token here , include the Token in the request header.

Body Params

amount
Float

The amount(in Naira) to be paid, minimum is N20
customerName
String

The name of the customer
customerEmail
String

The customer email
paymentReference
String

A unique string of characters that identifies each transaction
paymentDescription
String

A description of the payment
currencyCode
String

The currency code
contractCode
String

The merchant contract code
redirectUrl
String

A url to redirect to after payment completion
paymentMethods
String

The method of payment collection
incomeSplitConfig
Object

A way to split payments among subAccounts.
metadata
Object

This field can be used to pass extra information from customers
REQUEST
Copy button
{
  "amount": 100.00,
  "customerName": "Stephen Ikhane",
  "customerEmail": "[email protected]",
  "paymentReference": "123031klsadkad",
  "paymentDescription": "Trial transaction",
  "currencyCode": "NGN",
  "contractCode":"32904822812",
  "redirectUrl": "https://my-merchants-page.com/transaction/confirm",
  "paymentMethods":["CARD","ACCOUNT_TRANSFER"]
}
RESPONSE
Copy button
{
    "requestSuccessful": true,
    "responseMessage": "success",
    "responseCode": "0",
    "responseBody": {
        "transactionReference": "MNFY|20190915200044|000090",
        "paymentReference": "1568577644707",
        "merchantName": "Test Limited",
        "apiKey": "MK_TEST_VR7J3UAACH",
        "enabledPaymentMethod": [
            "ACCOUNT_TRANSFER",
            "CARD"
        ],
        "checkoutUrl": "https://sandbox.sdk.monnify.com/checkout/MNFY|20190915200044|000090"
    }
}

Pay With Bank Transfer

This endpoint generates a dynamic account number and its associated bank for one time payment.
POST
{{base_url}}/api/v1/merchant/bank-transfer/init-payment

Headers

Authorization
bearer
Authorize this API call by generating a token here , include the Token in the request header.

Body Params

transactionReference
String

A unique Monnify reference returned as part of the response from the initialise transaction endpoint
bankCode
String

A valid bank code to enable the creation of USSD string associated with such bank
REQUEST
Copy button
{
  "transactionReference": "MNFY|24|20220721134824|000081",
  "bankCode": "058"
}
RESPONSE
Copy button
{
    "requestSuccessful": true,
    "responseMessage": "success",
    "responseCode": "0",
    "responseBody": {
        "accountNumber": "5000610089",
        "accountName": "Test01-Tri",
        "bankName": "Wema bank",
        "bankCode": "035",
        "accountDurationSeconds": 2309,
        "ussdPayment": "*737*2*100.00*5000610089#",
        "requestTime": "2022-07-21T13:52:31",
        "expiresOn": "2022-07-21T14:32:31",
        "transactionReference": "MNFY|24|20220721134824|000081",
        "paymentReference": "123---03--1klsa--dkad",
        "amount": 100,
        "fee": 10,
        "totalPayable": 100,
        "collectionChannel": "API_NOTIFICATION",
        "productInformation": null
    }
}

Charge Card

This endpoint allows you to initiate charge on a card.
POST
{{base_url}}/api/v1/merchant/cards/charge

Headers

Authorization
bearer
Authorize this API call by generating a token here , include the Token in the request header.

Body Params

transactionReference
String

The transaction reference gotten as part of the response from the initialise transaction endpoint.
collectionChannel
String

This field basically describes the channel of collection.
card
Object

An object containing the card information.
number
String

The card pan or number on the card.
pin
String

The pin associated with the card.
expiryMonth
String

The card expiry month.
expiryYear
String

The card expiry year
cvv
String

The card cvv number.
REQUEST
Copy button
{
    "transactionReference": "MNFY|99|20220725110839|000256",
    "collectionChannel": "API_NOTIFICATION",
    "card": {
        "number": "4111111111111111",
        "expiryMonth": "10",
        "expiryYear": "2022",
        "pin": "1234",
        "cvv": "123"
    }
}
RESPONSE
Copy button
{
    "requestSuccessful": true,
    "responseMessage": "success",
    "responseCode": "0",
    "responseBody": {
        "status": "SUCCESS",
        "message": "Transaction Successful",
        "transactionReference": "MNFY|99|20220725110839|000256",
        "paymentReference": "12-3---03--1klsa--dkad",
        "authorizedAmount": 100
    }
}

Authorize OTP

The endpoint authorizes an OTP to complete a charge on a card.
POST
{{base_url}}/api/v1/merchant/cards/charge

Headers

Authorization
bearer
Authorize this API call by generating a token here , include the Token in the request header.

Body Params

transactionReference
String

The transaction reference gotten from the initialise transaction endpoint.
collectionChannel
String

This is the channel of collection and should always be "API_NOTIFICATION" in this endpoint.
tokenId
String

This is an id of the token issued and is always part of the response from the charge card endpoint.
token
String

This is the token(OTP) sent to the user device by his bank
REQUEST
Copy button
{
    "transactionReference": "MNFY|20190512185357|000002",
    "collectionChannel": "API_NOTIFICATION",
    "tokenId": "1234567890",
    "token": "123456"
}
RESPONSE
Copy button
{
    "requestSuccessful": true,
    "responseMessage": "success",
    "responseCode": "0",
    "responseBody": {
        "status": "SUCCESS",
        "message": "Transaction Successful",
        "transactionReference": "MNFY|54|20210429142945|000208",
        "paymentReference": "1619702984105",
        "authorizedAmount": 2000
    }
}

Authorize 3DS Card

This endpoint authorizes charge on a card that uses 3DS Secure Authentication.
POST
{{base_url}}/api/v1/sdk/cards/secure-3d/authorize

Headers

Authorization
bearer
Authorize this API call by generating a token here , include the Token in the request header.

Body Params

transactionReference
String

The transaction reference gotten from the initialise transaction endpoint.
collectionChannel
String

This is the channel of collection and should always be "API_NOTIFICATION" in this endpoint.
card
Object

An object containing the card information.
number
String

The card pan or number on the card.
pin
String

The pin associated with the card.
expiryMonth
String

The card expiry month.
expiryYear
String

The card expiry year
cvv
String

The card cvv number.
apiKey
String

The merchant API key
REQUEST
Copy button
{
    "transactionReference": "MNFY|19|20210430115705|000243",
    "collectionChannel": "API_NOTIFICATION",
    "card": {
        "cvv": "123",
        "expiryMonth": "12",
        "expiryYear": "2022",
        "number": "4000000000000002",
        "pin": "1234"
    }
}
RESPONSE
Copy button
{
    "requestSuccessful": true,
    "responseMessage": "success",
    "responseCode": "0",
    "responseBody": {
        "status": "BANK_AUTHORIZATION_REQUIRED",
        "message": "3D Secure Authorization required",
        "secure3dData": {
            "id": "2000.00-59077a3e5157fae7ca9dd260d911ccbb",
            "redirectUrl": "http://localhost:10001"
        },
        "transactionReference": "MNFY|19|20210430115705|000243",
        "paymentReference": "1619780224192",
        "authorizedAmount": 1000
    }
}

Get All Transactions

This endpoint returns a list of transactions carried out on your integration.
GET
{{base_url}}/api/v1/transactions/search

Headers

Authorization
bearer
Authorize this API call by generating a token here , include the Token in the request header.

Body Params

page
Integer

The number of page of to be retrieved. It starts from 0.
size
Integer

The Size of transactions to be returned per page.
paymentReference
String

Unique reference generated by merchant for each transaction.
transactionReference
String

Unique transaction reference generated by Monnify for each transaction
fromAmount
Float

A number indicating minimum amount for the transactions to be returned
toAmount
Float

A number indicating maximum amount for the transactions to be returned
amount
Float

A number indicating exact amount for the transactions to be returned
customerName
String

Name of customer for the transactions to be returned
customerEmail
String

Email of customer for the transactions be returned.
paymentStatus
String

Transaction status for transactions to be returned
from
Timestamp

Time for transactions to be retrieved.
to
Timestamp

The maximum time for transactions to be retrieved.
REQUEST
Copy button
curl -H "Accept: application/json" 
{{base_url}}/api/v1/transactions/search?
RESPONSE
Copy button
{
    "requestSuccessful": true,
    "responseMessage": "success",
    "responseCode": "0",
    "responseBody": {
        "content": [
            {
                "customerDTO": {
                    "email": "[email protected]",
                    "name": "Stephen Ikhane",
                    "merchantCode": "1X1SDUSYRD47"
                },
                "createdOn": "2022-07-25T11:53:52.000+0000",
                "amount": 100,
                "flagged": false,
                "currencyCode": "NGN",
                "completedOn": "2022-07-25T12:30:42.000+0000",
                "paymentDescription": "Trial transaction",
                "paymentStatus": "EXPIRED",
                "transactionReference": "MNFY|99|20220725125351|000271",
                "paymentReference": "12__0-3-031k^^ls0a--dk--ad",
                "merchantCode": "1X1SDUSYRD47",
                "merchantName": "Test01",
                "metaData": {},
                "completed": true,
                "paymentMethodList": [
                    "CARD",
                    "ACCOUNT_TRANSFER"
                ],
                "collectionChannel": "WEB_SDK"
            },
            {
                "customerDTO": {
                    "email": "[email protected]",
                    "name": "Stephen Ikhane",
                    "merchantCode": "1X1SDUSYRD47"
                },
                "paymentMethod": "CARD",
                "createdOn": "2022-07-25T11:26:29.000+0000",
                "amount": 100,
                "flagged": false,
                "currencyCode": "NGN",
                "completedOn": "2022-07-25T12:00:42.000+0000",
                "paymentDescription": "Trial transaction",
                "paymentStatus": "EXPIRED",
                "transactionReference": "MNFY|65|20220725122629|000296",
                "paymentReference": "12__0-3-031kls0a--dk--ad",
                "merchantCode": "1X1SDUSYRD47",
                "merchantName": "Test01",
                "metaData": {},
                "completed": true,
                "paymentMethodList": [
                    "CARD",
                    "ACCOUNT_TRANSFER"
                ],
                "collectionChannel": "WEB_SDK"
            },
            {
                "customerDTO": {
                    "email": "[email protected]",
                    "name": "Stephen Ikhane",
                    "merchantCode": "1X1SDUSYRD47"
                },
                "paymentMethod": "CARD",
                "createdOn": "2022-07-25T11:14:09.000+0000",
                "amount": 100,
                "flagged": false,
                "currencyCode": "NGN",
                "completedOn": "2022-07-25T11:50:42.000+0000",
                "paymentDescription": "Trial transaction",
                "paymentStatus": "EXPIRED",
                "transactionReference": "MNFY|65|20220725121408|000291",
                "paymentReference": "12__0-3-031kls0a--dkad",
                "merchantCode": "1X1SDUSYRD47",
                "merchantName": "Test01",
                "metaData": {},
                "completed": true,
                "paymentMethodList": [
                    "CARD",
                    "ACCOUNT_TRANSFER"
                ],
                "collectionChannel": "WEB_SDK"
            },
            {
                "customerDTO": {
                    "email": "[email protected]",
                    "name": "Stephen Ikhane",
                    "merchantCode": "1X1SDUSYRD47"
                },
                "paymentMethod": "CARD",
                "createdOn": "2022-07-25T10:48:27.000+0000",
                "amount": 100,
                "flagged": false,
                "currencyCode": "NGN",
                "completedOn": "2022-07-25T11:20:42.000+0000",
                "paymentDescription": "Trial transaction",
                "paymentStatus": "EXPIRED",
                "transactionReference": "MNFY|67|20220725114827|000285",
                "paymentReference": "120-3-031kls0a--dkad",
                "merchantCode": "1X1SDUSYRD47",
                "merchantName": "Test01",
                "metaData": {},
                "completed": true,
                "paymentMethodList": [
                    "CARD",
                    "ACCOUNT_TRANSFER"
                ],
                "collectionChannel": "WEB_SDK"
            },
            {
                "customerDTO": {
                    "email": "[email protected]",
                    "name": "Stephen Ikhane",
                    "merchantCode": "1X1SDUSYRD47"
                },
                "paymentMethod": "CARD",
                "createdOn": "2022-07-25T10:43:51.000+0000",
                "amount": 100,
                "flagged": false,
                "currencyCode": "NGN",
                "completedOn": "2022-07-25T11:20:42.000+0000",
                "paymentDescription": "Trial transaction",
                "paymentStatus": "EXPIRED",
                "transactionReference": "MNFY|65|20220725114351|000289",
                "paymentReference": "12-3-031kls0a--dkad",
                "merchantCode": "1X1SDUSYRD47",
                "merchantName": "Test01",
                "metaData": {},
                "completed": true,
                "paymentMethodList": [
                    "CARD",
                    "ACCOUNT_TRANSFER"
                ],
                "collectionChannel": "WEB_SDK"
            },
            {
                "customerDTO": {
                    "email": "[email protected]",
                    "name": "Stephen Ikhane",
                    "merchantCode": "1X1SDUSYRD47"
                },
                "paymentMethod": "CARD",
                "createdOn": "2022-07-25T10:41:50.000+0000",
                "amount": 100,
                "flagged": false,
                "currencyCode": "NGN",
                "completedOn": "2022-07-25T11:20:42.000+0000",
                "paymentDescription": "Trial transaction",
                "paymentStatus": "EXPIRED",
                "transactionReference": "MNFY|67|20220725114150|000284",
                "paymentReference": "12-3---031kls0a--dkad",
                "merchantCode": "1X1SDUSYRD47",
                "merchantName": "Test01",
                "metaData": {},
                "completed": true,
                "paymentMethodList": [
                    "CARD",
                    "ACCOUNT_TRANSFER"
                ],
                "collectionChannel": "WEB_SDK"
            },
            {
                "customerDTO": {
                    "email": "[email protected]",
                    "name": "Stephen Ikhane",
                    "merchantCode": "1X1SDUSYRD47"
                },
                "paymentMethod": "CARD",
                "createdOn": "2022-07-25T10:19:58.000+0000",
                "amount": 100,
                "flagged": false,
                "fee": 10,
                "currencyCode": "NGN",
                "completedOn": "2022-07-25T10:20:20.000+0000",
                "paymentDescription": "Trial transaction",
                "paymentStatus": "PAID",
                "transactionReference": "MNFY|67|20220725111957|000283",
                "paymentReference": "12-3---03--1kls0a--dkad",
                "merchantCode": "1X1SDUSYRD47",
                "merchantName": "Test01",
                "metaData": {},
                "payableAmount": 100,
                "completed": true,
                "paymentMethodList": [
                    "CARD",
                    "ACCOUNT_TRANSFER"
                ],
                "collectionChannel": "WEB_SDK"
            },
            {
                "customerDTO": {
                    "email": "[email protected]",
                    "name": "Stephen Ikhane",
                    "merchantCode": "1X1SDUSYRD47"
                },
                "paymentMethod": "CARD",
                "createdOn": "2022-07-25T10:08:39.000+0000",
                "amount": 100,
                "flagged": false,
                "fee": 10,
                "currencyCode": "NGN",
                "completedOn": "2022-07-25T10:09:23.000+0000",
                "paymentDescription": "Trial transaction",
                "paymentStatus": "PAID",
                "transactionReference": "MNFY|99|20220725110839|000256",
                "paymentReference": "12-3---03--1klsa--dkad",
                "merchantCode": "1X1SDUSYRD47",
                "merchantName": "Test01",
                "metaData": {},
                "payableAmount": 100,
                "completed": true,
                "paymentMethodList": [
                    "CARD",
                    "ACCOUNT_TRANSFER"
                ],
                "collectionChannel": "WEB_SDK"
            },
            {
                "customerDTO": {
                    "email": "[email protected]",
                    "name": "Stephen Ikhane",
                    "merchantCode": "1X1SDUSYRD47"
                },
                "paymentMethod": "ACCOUNT_TRANSFER",
                "createdOn": "2022-07-22T13:23:39.000+0000",
                "amount": 20,
                "flagged": false,
                "fee": 10,
                "currencyCode": "NGN",
                "completedOn": "2022-07-22T13:29:13.000+0000",
                "paymentDescription": "Trial transaction",
                "paymentStatus": "PAID",
                "transactionReference": "MNFY|24|20220722142339|000144",
                "paymentReference": "13i--0-00--lfuik93j",
                "merchantCode": "1X1SDUSYRD47",
                "merchantName": "Test01",
                "metaData": {},
                "payableAmount": 20,
                "completed": true,
                "paymentMethodList": [
                    "ACCOUNT_TRANSFER"
                ],
                "collectionChannel": "WEB_SDK"
            },
            {
                "customerDTO": {
                    "email": "[email protected]",
                    "name": "Stephen Ikhane",
                    "merchantCode": "1X1SDUSYRD47"
                },
                "createdOn": "2022-07-22T13:22:57.000+0000",
                "amount": 20,
                "flagged": false,
                "currencyCode": "NGN",
                "completedOn": "2022-07-22T14:00:42.000+0000",
                "paymentDescription": "Trial transaction",
                "paymentStatus": "EXPIRED",
                "transactionReference": "MNFY|69|20220722142257|000170",
                "paymentReference": "13i--000--lfuik93j",
                "merchantCode": "1X1SDUSYRD47",
                "merchantName": "Test01",
                "metaData": {},
                "completed": true,
                "paymentMethodList": [
                    "CARD",
                    "ACCOUNT_TRANSFER"
                ],
                "collectionChannel": "WEB_SDK"
            }
        ],
        "pageable": {
            "sort": {
                "sorted": true,
                "unsorted": false,
                "empty": false
            },
            "pageSize": 10,
            "pageNumber": 0,
            "offset": 0,
            "paged": true,
            "unpaged": false
        },
        "last": false,
        "totalElements": 115,
        "totalPages": 12,
        "sort": {
            "sorted": true,
            "unsorted": false,
            "empty": false
        },
        "first": true,
        "numberOfElements": 10,
        "size": 10,
        "number": 0,
        "empty": false
    }
}

Get Transaction Status

This endpoint returns the status of a transaction
GET
{{base_url}}/api/v2/transactions/MNFY%7C67%7C20220725111957%7C000283

Headers

Authorization
bearer
Authorize this API call by generating a token here , include the Token in the request header.

Body Params

transactionReference
String

Urlencoding of the said transaction reference
REQUEST
Copy button
curl -H "Accept: application/json" 
https://sandbox.monnify.com/api/v2/transactions/MNFY%7C67%7C20220725111957%7C000283
RESPONSE
Copy button
{
    "requestSuccessful": true,
    "responseMessage": "success",
    "responseCode": "0",
    "responseBody": {
        "transactionReference": "MNFY|67|20220725111957|000283",
        "paymentReference": "12-3---03--1kls0a--dkad",
        "amountPaid": "100.00",
        "totalPayable": "100.00",
        "settlementAmount": "90.00",
        "paidOn": "25/07/2022 11:20:20 AM",
        "paymentStatus": "PAID",
        "paymentDescription": "Trial transaction",
        "currency": "NGN",
        "paymentMethod": "CARD",
        "product": {
            "type": "WEB_SDK",
            "reference": "12-3---03--1kls0a--dkad"
        },
        "cardDetails": {
            "cardType": "Sandbox Card Scheme",
            "last4": "1111",
            "expMonth": "10",
            "expYear": "22",
            "bin": "411111",
            "bankCode": null,
            "bankName": null,
            "reusable": false,
            "countryCode": null,
            "cardToken": null,
            "supportsTokenization": false,
            "maskedPan": "411111******1111"
        },
        "accountDetails": null,
        "accountPayments": [],
        "customer": {
            "email": "[email protected]",
            "name": "Stephen Ikhane"
        },
        "metaData": {}
    }
}

Customer Reserved Account

Create Reserved Account(General)

This endpoint allows the creation of dedicated virtual accounts for your customers.
POST
{{base_url}}/api/v2/bank-transfer/reserved-accounts

Headers

Authorization
bearer
Authorize this API call by generating a token here , include the Token in the request header.

Body Params

accountReference
String

A unique reference generated by merchants.
accountName
String

The name to be displayed during name enquiry
currencyCode
String

The currency allowed,"NGN.
contractCode
String

The merchant contract code
customerEmail
String

The customer's email
bvn
String

The bvn attached to a reserve account
getAllAvailableBanks
Boolean

This decides wether account numbers be generated to all allowable banks.
preferredBanks
Array

This field helps to choose certain banks for virtual account creation. This field is needed if getAvailableBanks is false
incomeSplitConfig
Object

A configuration on how payments are to be split among subaccounts
restrictPaymentSource
Boolean

Decides if payment should be restricted to some reserved accounts
allowedPaymentSource
Object

This captures bvns or account numbers or account names that are permitted to fund a reserved account. This is mandatory if restrictPaymentSource is set to true
nin
String

The customer’s NIN
REQUEST
Copy button
{ "accountReference": "abc123d380",
    "accountName": "ysbbs hsbsb nxnznq",
    "currencyCode": "NGN",
    "contractCode": "7059707855",
    "customerEmail": "[email protected]",
    "customerName": "ysbbs hsbsb nxnznq",
    "bvn": "54848484888",
    "nin":"34848484058",
    "getAllAvailableBanks": true
}
RESPONSE
Copy button
{
    "requestSuccessful": true,
    "responseMessage": "success",
    "responseCode": "0",
    "responseBody": {
        "contractCode": "7059707855",
        "accountReference": "abc123d380",
        "accountName": "ysb",
        "currencyCode": "NGN",
        "customerEmail": "[email protected]",
        "customerName": "ysbbs hsbsb nxnznq",
        "accounts": [
            {
                "bankCode": "035",
                "bankName": "Wema bank",
                "accountNumber": "5000606570",
                "accountName": "ysb"
            },
            {
                "bankCode": "232",
                "bankName": "Sterling bank",
                "accountNumber": "6001363048",
                "accountName": "ysb"
            }
        ],
        "collectionChannel": "RESERVED_ACCOUNT",
        "reservationReference": "DQD6S0N4U20FN8MF2EE1",
        "reservedAccountType": "GENERAL",
        "status": "ACTIVE",
        "createdOn": "2022-07-27 15:29:40.131",
        "incomeSplitConfig": [],
        "bvn": "54848484888",
        "restrictPaymentSource": false
    }
}

Create Reserved Account(Invoice)

This endpoint allows the creation of an invoiced reserved account.
POST
{{base_url}}/api/v1/bank-transfer/reserved-accounts

Headers

Authorization
bearer
Authorize this API call by generating a token here , include the Token in the request header.

Body Params

contractCode
String

The merchant's contract code.
accountName
String

The name to be displayed during name enquiry.
currencyCode
String

The currency allowed,"NGN.
accountReference
String

A unique reference generated by the merchant
customerName
String

Full name of the customer
customerEmail
String

Email address of the customer.
reservedAccountType
String

This should be "INVOICE".
bvn
String

The customer's BVN
nin
String

The customer's NIN
REQUEST
Copy button
{
    "contractCode":"7059707855",
    "accountName":"Jane Doe",
    "currencyCode":"NGN",
    "accountReference": "janedoe1223--3",
    "customerEmail": "[email protected]",
    "customerName": "Jane Doe",
    "reservedAccountType": "INVOICE"
}
RESPONSE
Copy button
{
    "requestSuccessful": false,
    "responseMessage": "You can not reserve two accounts with the same reference",
    "responseCode": "99"
}

Get Reserved Account Details

This endpoint returns details of an account reserved for a customer
GET
{{base_url}}/api/v2/bank-transfer/reserved-accounts/{accountReference}

Headers

Authorization
bearer
Authorize this API call by generating a token here , include the Token in the request header.

Body Params

accountReerence
String

The unique reference used in creating the reserved account.
REQUEST
Copy button
curl -H "Accept: application/json" 
{{base_url}}/api/v2/bank-transfer/reserved-accounts/abc1niui--23
RESPONSE
Copy button
{
    "requestSuccessful": true,
    "responseMessage": "success",
    "responseCode": "0",
    "responseBody": {
        "contractCode": "7059707855",
        "accountReference": "abc1niui--23",
        "accountName": "Test01-Tes",
        "currencyCode": "NGN",
        "customerEmail": "[email protected]",
        "customerName": "mao  Zhang",
        "accounts": [
            {
                "bankCode": "035",
                "bankName": "Wema bank",
                "accountNumber": "5000588053",
                "accountName": "Tes"
            },
            {
                "bankCode": "232",
                "bankName": "Sterling bank",
                "accountNumber": "6001363175",
                "accountName": "Tes"
            }
        ],
        "collectionChannel": "RESERVED_ACCOUNT",
        "reservationReference": "8MD1E79P4LD94N6E2VNJ",
        "reservedAccountType": "GENERAL",
        "status": "ACTIVE",
        "createdOn": "2022-07-31 10:08:41.0",
        "contract": {
            "name": "Default Contract",
            "code": "7059707855",
            "description": null
        },
        "transactionCount": 0,
        "incomeSplitConfig": [
            {
                "subAccountCode": "MFY_SUB_762212281785",
                "feePercentage": 10.5,
                "feeBearer": true,
                "splitPercentage": 20,
                "reservedAccountConfigCode": "HRCNXDSAYX"
            }
        ],
        "bvn": "21212121212",
        "restrictPaymentSource": true
    }
}

Add Linked Accounts

This endpoint links accounts with another partner bank to an existing customer.
PUT
{{base_url}}/api/v1/bank-transfer/reserved-accounts/add-linked-accounts/{accountReference}

Headers

Authorization
bearer
Authorize this API call by generating a token here , include the Token in the request header.

Body Params

getAllAvailableBanks
Boolean

Determine if all necessary banks should be used
preferredBanks
Array

Contains bank codes of desired banks
accountReference
String

The unique reference used in creating the reserved account.
REQUEST
Copy button
{
	"getAllAvailableBanks": false,
    "preferredBanks": ["232"]
}
RESPONSE
Copy button
{
    "requestSuccessful": true,
    "responseMessage": "success",
    "responseCode": "0",
    "responseBody": {
        "contractCode": "7059707855",
        "accountReference": "abc1niui--23",
        "accountName": "Tes",
        "currencyCode": "NGN",
        "customerEmail": "[email protected]",
        "customerName": "mao  Zhang",
        "accounts": [
            {
                "bankCode": "035",
                "bankName": "Wema bank",
                "accountNumber": "5000588053",
                "accountName": "Tes"
            },
            {
                "bankCode": "232",
                "bankName": "Sterling bank",
                "accountNumber": "6001363175",
                "accountName": "Tes"
            }
        ],
        "collectionChannel": "RESERVED_ACCOUNT",
        "reservationReference": "8MD1E79P4LD94N6E2VNJ",
        "reservedAccountType": "GENERAL",
        "status": "ACTIVE",
        "createdOn": "2022-07-31 10:08:41.0",
        "incomeSplitConfig": [
            {
                "subAccountCode": "MFY_SUB_762212281785",
                "feePercentage": 10.5,
                "feeBearer": true,
                "splitPercentage": 20,
                "reservedAccountConfigCode": "HRCNXDSAYX"
            }
        ],
        "bvn": "21212121212",
        "restrictPaymentSource": true
    }
}

Update BVN for a Reserve Account

This endpoint updates BVN of customers reserved account
PUT
{{base_url}}/api/v1/bank-transfer/reserved-accounts/update-customer-bvn/{reservedAccountReference}

Headers

Authorization
bearer
Authorize this API call by generating a token here , include the Token in the request header.

Body Params

bvn
String

The BVN used in creating the reserved account
REQUEST
Copy button
{
"bvn": "21212121212"
}
RESPONSE
Copy button
{
    "requestSuccessful": true,
    "responseMessage": "success",
    "responseCode": "0",
    "responseBody": {
        "contractCode": "915483727511",
        "accountReference": "121612212051585",
        "currencyCode": "NGN",
        "customerEmail": "[email protected]",
        "customerName": "Pascool Oj",
        "accountNumber": "4290733572",
        "bankName": "Providus Bank",
        "bankCode": "101",
        "collectionChannel": "RESERVED_ACCOUNT",
        "reservationReference": "R8J4LCW3P82WN4X6LQCW",
        "reservedAccountType": "GENERAL",
        "status": "ACTIVE",
        "createdOn": "2021-02-01 21:40:55.0",
        "bvn": "21212121212",
        "restrictPaymentSource": false
    }
}

Allowed Payment Source(s)

This endpoint manages accounts that can fund a reserved account using either BVNs, Account Name or Account Number.
PUT
{{base_url}}/api/v1/bank-transfer/reserved-accounts/update-payment-source-filter/{accountReference}

Headers

Authorization
bearer
Authorize this API call by generating a token here , include the Token in the request header.

Body Params

restrictPaymentSource
Boolean

This field activate or de-activate restricting of payment sources for a reserved account.
allowedPaymentSource
Object

A collection of possible payment sources.
bvns
Array

List of BVNs that should be validated
bankAccounts
Array

List of account numbers that can fund the reserved account.
accountNumbers
String

An account number from which reserved account can be funded.
bankCode
String

A 3 digit CBN code for the account
accountNames
Array

List of account names for accounts from which reserved accounts can be funded.
accountReference
String

The unique reference used in creating the reserved account.
REQUEST
Copy button
{
    "restrictPaymentSource": true,
    "allowedPaymentSources": {
        "bvns": [
            "21212121212",
            "20202020202"
        ]
    }
}
RESPONSE
Copy button
{
    "requestSuccessful": true,
    "responseMessage": "success",
    "responseCode": "0",
    "responseBody": {
        "restrictPaymentSource": true,
        "allowedPaymentSources": {
            "bvns": [
                "21212121212",
                "20202020202"
            ],
            "bankAccounts": [
                {
                    "accountNumber": "0068687503",
                    "bankCode": "232"
                },
                {
                    "accountNumber": "2048714015",
                    "bankCode": "057"
                }
            ],
            "accountNames": [
                "DAMILARE OGUNNAIKE SAMUEL"
            ]
        }
    }
}

Updating Split Config for Reserved Account

This endpoint updates the split config of a customer reserved account.
PUT
{{base_url}}/api/v1/bank-transfer/reserved-accounts/update-income-split-config/{accountReference}

Headers

Authorization
bearer
Authorize this API call by generating a token here , include the Token in the request header.

Body Params

subAccountCode
String

The unique reference for the sub account that should receive the split
feeBearer
Boolean

This field determine if the sub account should bear transaction fees or not
feePercentage
Float

The percentage of the transaction fee to be borne by the sub account
splitPercentage
Float

The percentage of the amount paid to be split into the sub account.
accountReference
String

The unique reference used in creating the reserved account.
REQUEST
Copy button
[
    {
        "subAccountCode": "MFY_SUB_762212281785",
        "feePercentage": 10.50
    },
       {
        "subAccountCode": "MFY_SUB_322165393053",
        "splitPercentage": 30
    }
]
RESPONSE
Copy button
{
    "requestSuccessful": true,
    "responseMessage": "success",
    "responseCode": "0",
    "responseBody": {
        "code": "HRCNXDSAYX",
        "reservedAccountCode": "HRCNXDSAYX",
        "feeBearer": "MERCHANT_ONLY",
        "configDetails": [
            {
                "subAccountCode": "MFY_SUB_762212281785",
                "feePercentage": 10.5,
                "feeBearer": false,
                "splitPercentage": 0,
                "reservedAccountConfigCode": "HRCNXDSAYX"
            },
            {
                "subAccountCode": "MFY_SUB_322165393053",
                "feePercentage": 0,
                "feeBearer": false,
                "splitPercentage": 30,
                "reservedAccountConfigCode": "HRCNXDSAYX"
            }
        ]
    }
}

Deallocating a reserved account

This endpoint allows you to deallocate/delete already created a reserved account.
DELETE
{{base_url}}/api/v1/bank-transfer/reserved-accounts/{accountReference}

Headers

Authorization
bearer
Authorize this API call by generating a token here , include the Token in the request header.

Body Params

accountReference
String

The unique reference used to identify this reserved account
REQUEST
Copy button
curl --header "Content-Type: application/json" 
 --request POST 
 --data '{}' 
 {{base_url}}/api/v1/bank-transfer/reserved-accounts/5000588053
RESPONSE
Copy button
{
    "requestSuccessful": true,
    "responseMessage": "success",
    "responseCode": "0",
    "responseBody": {
        "contractCode": "7059707855",
        "accountReference": "abc1niui--23",
        "accountName": "Tes",
        "currencyCode": "NGN",
        "customerEmail": "[email protected]",
        "customerName": "mao  Zhang",
        "accountNumber": "5000588053",
        "bankName": "Wema bank",
        "bankCode": "035",
        "collectionChannel": "RESERVED_ACCOUNT",
        "reservationReference": "8MD1E79P4LD94N6E2VNJ",
        "reservedAccountType": "GENERAL",
        "status": "ACTIVE",
        "createdOn": "2022-07-31 10:08:41.0",
        "incomeSplitConfig": [
            {
                "subAccountCode": "MFY_SUB_762212281785",
                "feePercentage": 10.5,
                "feeBearer": false,
                "splitPercentage": 0,
                "reservedAccountConfigCode": "HRCNXDSAYX"
            },
            {
                "subAccountCode": "MFY_SUB_322165393053",
                "feePercentage": 0,
                "feeBearer": false,
                "splitPercentage": 30,
                "reservedAccountConfigCode": "HRCNXDSAYX"
            }
        ],
        "bvn": "22342115371",
        "restrictPaymentSource": true
    }
}

Get Reserved Account Transactions

This endpoint returns the list of all transactions done on a reserved account.
GET
{{base_url}}/api/v1/bank-transfer/reserved-accounts/transactions

Headers

Authorization
bearer
Authorize this API call by generating a token here , include the Token in the request header.

Body Params

accountReference
String

The unique reference used in creating the reserved account.
page
Integer

The page of data you want returned by Monnify (Starts from 0).
size
Integer

The number of records you want returned in a page.
REQUEST
Copy button
curl -H "Accept: application/json" 
https://sandbox.monnify.com/api/v1/bank-transfer/reserved-accounts/transactions
?accountReference={accountReference}&page=0&size=10
RESPONSE
Copy button
{
    "requestSuccessful": true,
    "responseMessage": "success",
    "responseCode": "0",
    "responseBody": {
        "content": [
            {
                "customerDTO": {
                    "email": "[email protected]",
                    "name": "Test Reserved Account",
                    "merchantCode": "ALJKHDALASD"
                },
                "providerAmount": 0.21,
                "paymentMethod": "ACCOUNT_TRANSFER",
                "createdOn": "2019-07-24T14:12:27.000+0000",
                "amount": 100.00,
                "flagged": false,
                "providerCode": "98271",
                "fee": 0.79,
                "currencyCode": "NGN",
                "completedOn": "2019-07-24T14:12:28.000+0000",
                "paymentDescription": "Test Reserved Account",
                "paymentStatus": "PAID",
                "transactionReference": "MNFY|20190724141227|003374",
                "paymentReference": "MNFY|20190724141227|003374",
                "merchantCode": "ALJKHDALASD",
                "merchantName": "Test Limited"
                "payableAmount": 100.00,
                "amountPaid": 100.00,
                "completed": true
            },
            {
                "customerDTO": {
                    "email": "[email protected]",
                    "name": "Test Reserved Account",
                    "merchantCode": "ALJKHDALASD"
                },
                "providerAmount": 0.11,
                "paymentMethod": "ACCOUNT_TRANSFER",
                "createdOn": "2019-07-24T11:14:45.000+0000",
                "amount": 50.00,
                "flagged": false,
                "providerCode": "98271",
                "fee": 0.79,
                "currencyCode": "NGN",
                "completedOn": "2019-07-24T11:14:45.000+0000",
                "paymentDescription": "Test Reserved Account",
                "paymentStatus": "PAID",
                "transactionReference": "MNFY|20190724111444|003259",
                "paymentReference": "MNFY|20190724111444|003259",
                "merchantCode": "ALJKHDALASD",
                "merchantName": "Test Limited",
                "settleInstantly": true,
                "payableAmount": 50.00,
                "amountPaid": 50.00,
                "completed": true
            }
        ],
        "pageable": {
            "sort": {
                "sorted": true,
                "unsorted": false,
                "empty": false
            },
            "pageSize": 10,
            "pageNumber": 0,
            "offset": 0,
            "unpaged": false,
            "paged": true
        },
        "totalElements": 2,
        "totalPages": 1,
        "last": true,
        "sort": {
            "sorted": true,
            "unsorted": false,
            "empty": false
        },
        "first": true,
        "numberOfElements": 2,
        "size": 10,
        "number": 0,
        "empty": false
    }
}

Update KYC Info

This endpoint links customers' BVN/NIN to their respective reserved accounts.
PUT
{{base_url}}/api/v1/bank-transfer/reserved-accounts/{accountReference}/kyc-info

Headers

Authorization
bearer
Authorize this API call by generating a token here , include the Token in the request header.

Body Params

bvn
String

The customer's BVN
nin
String

The customer’s NIN
accountReference
String

The account reference linked to the reserved account being updated.
REQUEST
Copy button
{
    "bvn":"83891300182",
    "nin":"83891300182"
}
RESPONSE
Copy button
{
    "requestSuccessful": true,
    "responseMessage": "success",
    "responseCode": "0",
    "responseBody": {
        "accountReference": "a1fe1c73c6f985eb43e8ef35ec0d6a398698cdea",
        "accountName": "CHUKWUEMEKA BENJAMIN ONONOGBU",
        "customerEmail": "[email protected]",
        "customerName": "mao  Zhang",
        "bvn": "22222222227"
    }
}

Invoice

Create an Invoice

This endpoint creates invoice for payments on your integration.
POST
{{base_url}}/api/v1/invoice/create

Headers

Authorization
bearer
Authorize this API call by generating a token here , include the Token in the request header.

Body Params

amount
Float

The amount to be paid by the customer
currencyCode
String

The currency of the transaction being initialized. "NGN"
invoiceReference
String

Merchant's Unique reference for the invoice
customerName
String

Full name of the customer
customerEmail
String

Email of the customer
contractCode
String

Merchant's contract code
description
String

Description of the transaction. Will be used as the account name for bank transfer payments
expiryDate
String

The expiry date for the invoice. The format is:YYYY-MM-DD HH:MM:SS
incomeSplitConfig
Object

This field contains specifications on how payments to this reserve account should be split.
redirectUrl
String

A URL which customer will be redirected to when payment is successfully completed
REQUEST
Copy button
{
    "amount": "999",
    "invoiceReference": "183891300182",
    "description": "test invoice",
    "currencyCode": "NGN",
    "contractCode": "7059707855",
    "customerEmail": "[email protected]",
    "customerName": "John Snow",
    "expiryDate": "2022-10-30 12:00:00",
    "paymentMethods": [],
	"incomeSplitConfig": [
        {
            "subAccountCode": "MFY_SUB_322165393053",
            "feePercentage": 10.5,
            "splitAmount": 20,
            "feeBearer": true
        }
    ],
	"redirectUrl": "http://app.monnify.com"
}
RESPONSE
Copy button
{
    "requestSuccessful": true,
    "responseMessage": "success",
    "responseCode": "0",
    "responseBody": {
        "amount": 999,
        "invoiceReference": "183891300182",
        "invoiceStatus": "PENDING",
        "description": "test invoice",
        "contractCode": "7059707855",
        "customerEmail": "[email protected]",
        "customerName": "John Snow",
        "expiryDate": "2022-10-30 12:00:00",
        "createdBy": "MK_TEST_JRQAZRFD2W",
        "createdOn": "2022-07-31 12:14:14",
        "checkoutUrl": "https://sandbox.sdk.monnify.com/checkout/MNFY|99|20220731121414|000867",
        "accountNumber": "5000588061",
        "accountName": "tes",
        "bankName": "Wema bank",
        "bankCode": "035",
        "redirectUrl": "http://app.monnify.com",
        "transactionReference": "MNFY|99|20220731121414|000867",
        "incomeSplitConfig": [
            {
                "subAccountCode": "MFY_SUB_322165393053",
                "splitAmount": 20,
                "feePercentage": 10.5,
                "feeBearer": true,
                "splitPercentage": null
            }
        ]
    }
}

View Invoice Details

This endpoint returns details of an invoice on your integration.
GET
{{base_url}}/api/v1/invoice/{invoiceReference}/details

Headers

Authorization
bearer
Authorize this API call by generating a token here , include the Token in the request header.

Body Params

invoiceReference
String

The unique reference used in creating the invoice.
REQUEST
Copy button
curl -H "Accept: application/json" 
{{base_url}}/api/v1/invoice/18389130010082/details
RESPONSE
Copy button
{
    "requestSuccessful": true,
    "responseMessage": "success",
    "responseCode": "0",
    "responseBody": {
        "amount": 999,
        "invoiceReference": "18389130010082",
        "invoiceStatus": "PENDING",
        "description": "test invoice",
        "contractCode": "7059707855",
        "customerEmail": "[email protected]",
        "customerName": "John Snow",
        "expiryDate": "2022-10-30 12:00:00",
        "createdBy": "MK_TEST_JRQAZRFD2W",
        "createdOn": "2022-07-31 12:29:26",
        "checkoutUrl": "https://sandbox.sdk.monnify.com/checkout/MNFY|99|20220731122925|000868",
        "accountNumber": "5000588060",
        "accountName": "tes",
        "bankName": "Wema bank",
        "bankCode": "035",
        "transactionReference": "MNFY|99|20220731122925|000868",
        "incomeSplitConfig": [
            {
                "subAccountCode": "MFY_SUB_322165393053",
                "splitAmount": 20,
                "feePercentage": 10.5,
                "feeBearer": true,
                "splitPercentage": 0
            }
        ]
    }
}

Get All Invoices

This endpoint returns the list of all the invoice available on your integration.
GET
{{base_url}}/api/v1/invoice/all

Headers

Authorization
bearer
Authorize this API call by generating a token here , include the Token in the request header.

Body Params

REQUEST
Copy button
curl -H "Accept: application/json" 
{{base_url}}/api/v1/invoice/all
RESPONSE
Copy button
{
    "requestSuccessful": true,
    "responseMessage": "success",
    "responseCode": "0",
    "responseBody": {
        "content": [
            {
                "amount": 999,
                "invoiceReference": "18389130010082",
                "invoiceStatus": "PENDING",
                "description": "test invoice",
                "contractCode": "7059707855",
                "customerEmail": "[email protected]",
                "customerName": "John Snow",
                "expiryDate": "2022-10-30 12:00:00",
                "createdBy": "MK_TEST_JRQAZRFD2W",
                "createdOn": "2022-07-31 12:29:26",
                "accountNumber": "5000588060",
                "bankName": "Wema bank",
                "bankCode": "035"
            },
            {
                "amount": 999,
                "invoiceReference": "183891300182",
                "invoiceStatus": "PENDING",
                "description": "test invoice",
                "contractCode": "7059707855",
                "customerEmail": "[email protected]",
                "customerName": "John Snow",
                "expiryDate": "2022-10-30 12:00:00",
                "createdBy": "MK_TEST_JRQAZRFD2W",
                "createdOn": "2022-07-31 12:14:15",
                "accountNumber": "5000588061",
                "bankName": "Wema bank",
                "bankCode": "035"
            },
            {
                "amount": 900,
                "invoiceReference": "183891182",
                "invoiceStatus": "PAID",
                "description": "test invoice",
                "contractCode": "7059707855",
                "customerEmail": "[email protected]",
                "customerName": "John Snow",
                "expiryDate": "2022-05-30 12:00:00",
                "createdBy": "MK_TEST_JRQAZRFD2W",
                "createdOn": "2022-05-20 10:07:52"
            },
            {
                "amount": 999,
                "invoiceReference": "1838913189",
                "invoiceStatus": "EXPIRED",
                "description": "test invoice",
                "contractCode": "7059707855",
                "customerEmail": "[email protected]",
                "customerName": "John Snow",
                "expiryDate": "2022-03-30 12:00:00",
                "createdBy": "MK_TEST_JRQAZRFD2W",
                "createdOn": "2022-03-09 12:18:58",
                "accountNumber": "5000654355",
                "bankName": "Wema bank",
                "bankCode": "035"
            },
            {
                "amount": 999,
                "invoiceReference": "1838913187",
                "invoiceStatus": "EXPIRED",
                "description": "test invoice",
                "contractCode": "7059707855",
                "customerEmail": "[email protected]",
                "customerName": "John Snow",
                "expiryDate": "2022-03-30 12:00:00",
                "createdBy": "MK_TEST_JRQAZRFD2W",
                "createdOn": "2022-03-09 12:18:40",
                "accountNumber": "5000654354",
                "bankName": "Wema bank",
                "bankCode": "035"
            },
            {
                "amount": 999,
                "invoiceReference": "1838913182",
                "invoiceStatus": "EXPIRED",
                "description": "test invoice",
                "contractCode": "7059707855",
                "customerEmail": "[email protected]",
                "customerName": "John Snow",
                "expiryDate": "2022-03-30 12:00:00",
                "createdBy": "MK_TEST_JRQAZRFD2W",
                "createdOn": "2022-03-09 11:55:45",
                "accountNumber": "5000654351",
                "bankName": "Wema bank",
                "bankCode": "035"
            }
        ],
        "pageable": {
            "sort": {
                "sorted": true,
                "unsorted": false,
                "empty": false
            },
            "pageSize": 10,
            "pageNumber": 0,
            "offset": 0,
            "unpaged": false,
            "paged": true
        },
        "last": true,
        "totalElements": 6,
        "totalPages": 1,
        "sort": {
            "sorted": true,
            "unsorted": false,
            "empty": false
        },
        "first": true,
        "numberOfElements": 6,
        "size": 10,
        "number": 0,
        "empty": false
    }
}

Cancel an Invoice

This endpoint cancels an Invoice on your integration.
DELETE
{{base_url}}/api/v1/invoice/{invoiceReference}/cancel

Headers

Authorization
bearer
Authorize this API call by generating a token here , include the Token in the request header.

Body Params

invoiceReference
String

The unique reference used in creating the invoice.
REQUEST
Copy button
curl --header "Content-Type: application/json" 
 --request POST 
 --data '{}' 
 {{base_url}}/api/v1/invoice/18389130010082/cancel
RESPONSE
Copy button
{
    "requestSuccessful": true,
    "responseMessage": "success",
    "responseCode": "0",
    "responseBody": {
        "amount": 999,
        "invoiceReference": "18389130010082",
        "invoiceStatus": "CANCELLED",
        "description": "test invoice",
        "contractCode": "7059707855",
        "customerEmail": "[email protected]",
        "customerName": "John Snow",
        "expiryDate": "2022-10-30 12:00:00",
        "createdBy": "MK_TEST_JRQAZRFD2W",
        "createdOn": "2022-07-31 12:29:26",
        "accountNumber": "5000588060",
        "bankName": "Wema bank",
        "bankCode": "035"
    }
}

Attaching a Reserved Account to an Invoice

This endpoint attaches a Reserved Account to an Invoice.
POST
{{base_url}}/api/v1/invoice/create

Headers

Authorization
bearer
Authorize this API call by generating a token here , include the Token in the request header.

Body Params

amount
Float

Amount to be paid
currencyCode
String

The currency of the transaction being initialized. "NGN"
invoiceReference
String

Merchant's Unique reference for the invoice.
customerName
String

Full name of the customer
customerEmail
String

Email address of the customer
contractCode
String

Merchant's contract code
description
String

Description for the transaction.
expiryDate
String

Expiry date for the invoice
incomeSplitConfig
Object

This field contains specifications on how payments to this reserve account should be split.
accountReference
String

Your unique reference used to identify this reserved account
REQUEST
Copy button
{
    "amount": "999",
    "invoiceReference": "1838913182",
    "accountReference": "janedoe12233",
    "description": "test invoice",
    "currencyCode": "NGN",
    "contractCode": "38238193818",
    "customerEmail": "[email protected]",
    "customerName": "Jane Doe",
    "expiryDate": "2019-10-30 12:00:00"
}
RESPONSE
Copy button
{
    "requestSuccessful": true,
    "responseMessage": "success",
    "responseCode": "0",
    "responseBody": {
        "amount": 999,
        "invoiceReference": "1838913182",
        "invoiceStatus": "PENDING",
        "description": "test invoice",
        "contractCode": "4876165459",
        "customerEmail": "[email protected]",
        "customerName": "Jane Doe",
        "expiryDate": "2019-10-18 14:48:00",
        "createdBy": "MK_TEST_VR7J3UAACH",
        "createdOn": "2019-08-27 23:14:29",
        "checkoutUrl": "https://sandbox.sdk.monnify.com/checkout/MNFY|20190827231429|000340",
        "accountNumber": "1122334455",
        "accountName": "Jane Doe",
        "bankName": "GTBank",
        "bankCode": "058"
    }
}

Recurring Payment

Charge Card Token

This endpoint allows you to charge an already tokenized card with it’s card token. **NOTE**: The customer email address used in the first successful charge should be stored along with the card token.
POST
{{base_url}}/api/v1/merchant/cards/charge-card-token

Headers

Authorization
bearer
Authorize this API call by generating a token here , include the Token in the request header.

Body Params

REQUEST
Copy button
{


    "cardToken": "MNFY_64355FBB44534A3E8B484985436BE1BD",
    "amount": 20,
    "customerName": "Marvelous Benji",
    "customerEmail": "[email protected]",
    "paymentReference": "16427769909682937",
    "paymentDescription": "Paying for Product A",
    "currencyCode": "NGN",
    "contractCode": "100693167467",
    "apiKey": "MK_PROD_WTZLS10MX6",
    "metaData": {
        "ipAddress": "127.0.0.1",
        "deviceType": "mobile"


    }


}
RESPONSE
Copy button
{
    "requestSuccessful": false,
    "responseMessage": "Invalid card token",
    "responseCode": "99"
}

Sub Accounts

Create Sub Account(s)

This endpoint allows you to create a sub account to enable the spliting of payments between different accounts.
POST
{{base_url}}/api/v1/sub-accounts

Headers

Authorization
bearer
Authorize this API call by generating a token here , include the Token in the request header.

Body Params

currencyCode
String

Settlement currency. "NGN"
accountNumber
String

The account number that should be created as a sub account.
bankCode
String

The 3 digit bank code of the bank where the account number is domiciled
email
String

The email tied to the sub account
defaultSplitPercentage
Float

The default percentage to be split into the sub account on any transaction.
REQUEST
Copy button
[
	{
		"currencyCode": "NGN",
		"bankCode": "058",
		"accountNumber": "0211319282",
		"email": "[email protected]",
		"defaultSplitPercentage": 20.87
	}
]
RESPONSE
Copy button
{
    "requestSuccessful": true,
    "responseMessage": "success",
    "responseCode": "0",
    "responseBody": [
        {
            "subAccountCode": "MFY_SUB_811397375865",
            "accountNumber": "0211319282",
            "accountName": "ALEMOH DANIEL MOSES",
            "currencyCode": "NGN",
            "email": "[email protected]",
            "bankCode": "058",
            "bankName": "GTBank",
            "defaultSplitPercentage": 20.87,
            "settlementProfileCode": "8717495899",
            "settlementReportEmails": []
        }
    ]
}

Delete Sub Account

This endpoint deletes a sub account on your integration.
DELETE
{{base_url}}/api/v1/sub-accounts/{subAccountCode}

Headers

Authorization
bearer
Authorize this API call by generating a token here , include the Token in the request header.

Body Params

subAccountCode
String

The subAccountCode of the sub account you want to delete.
REQUEST
Copy button
curl --header "Content-Type: application/json" 
 --request POST 
 --data '{}' 
 {{base_url}}/api/v1/sub-accounts/MFY_SUB_811397375865
RESPONSE
Copy button
{
    "requestSuccessful": true,
    "responseMessage": "success",
    "responseCode": "0"
}

Get Sub Accounts

This endpoint returns the list of sub accounts that have been created on your integration.
GET
{{base_url}}/api/v1/sub-accounts

Headers

Authorization
bearer
Authorize this API call by generating a token here , include the Token in the request header.

Body Params

REQUEST
Copy button
curl -H "Accept: application/json" 
{{base_url}}/api/v1/sub-accounts
RESPONSE
Copy button
{
    "requestSuccessful": true,
    "responseMessage": "success",
    "responseCode": "0",
    "responseBody": [
        {
            "subAccountCode": "MFY_SUB_811397375865",
            "accountNumber": "0211319282",
            "accountName": "ALEMOH DANIEL MOSES",
            "currencyCode": "NGN",
            "email": "[email protected]",
            "bankCode": "058",
            "bankName": "GTBank",
            "defaultSplitPercentage": 20.87,
            "settlementProfileCode": "8717495899",
            "settlementReportEmails": []
        },
        {
            "subAccountCode": "MFY_SUB_322165393053",
            "accountNumber": "2085886393",
            "accountName": "BENJAMIN CHUKWUEMEKA ONONOGBU",
            "currencyCode": "NGN",
            "email": "[email protected]",
            "bankCode": "057",
            "bankName": "Zenith bank",
            "defaultSplitPercentage": 20,
            "settlementProfileCode": "8717495899",
            "settlementReportEmails": []
        },
        {
            "subAccountCode": "MFY_SUB_687043136486",
            "accountNumber": "8569214283",
            "accountName": "MFY / 9jaCash-jaCash-ABODUNRIN OYELEKE MAICHEAL",
            "currencyCode": "NGN",
            "email": "[email protected]",
            "bankCode": "035",
            "bankName": "Wema bank",
            "defaultSplitPercentage": 20.87,
            "settlementProfileCode": "8717495899",
            "settlementReportEmails": []
        }
    ]
}

Update Sub Account

This endpoint updates the details of an existing sub account.
PUT
{{base_url}}/api/v1/sub-accounts

Headers

Authorization
bearer
Authorize this API call by generating a token here , include the Token in the request header.

Body Params

currencyCode
String

Settlement currency. "NGN"
accountNumber
String

The account number that should be created as a sub account.
bankCode
String

The 3 digit bank code of the bank where the account number is domiciled
email
String

The email tied to the sub account
defaultSplitPercentage
Float

The default percentage to be split into the sub account on any transaction.
subAccountCode
String

The sub account code of the account to be updated.
REQUEST
Copy button
{
	"subAccountCode": "MFY_SUB_811397375865",
	"currencyCode": "NGN",
	"bankCode": "058",
	"accountNumber": "0211319282",
	"email": "[email protected]",
	"defaultSplitPercentage": "25"
}
RESPONSE
Copy button
{
    "requestSuccessful": true,
    "responseMessage": "success",
    "responseCode": "0",
    "responseBody": {
        "subAccountCode": "MFY_SUB_811397375865",
        "accountNumber": "0211319282",
        "accountName": "ALEMOH DANIEL MOSES",
        "currencyCode": "NGN",
        "email": "[email protected]",
        "bankCode": "058",
        "bankName": "GTBank",
        "defaultSplitPercentage": 25,
        "settlementProfileCode": "8717495899",
        "settlementReportEmails": []
    }
}

Transfers (Disbursement)

Initiate Transfer (Single)

This endpoint helps to initiate transfer to desired bank account.
POST
{{base_url}}/api/v2/disbursements/single

Headers

Authorization
bearer
Authorize this API call by generating a token here , include the Token in the request header.

Body Params

amount
Float

Amount to disburse
reference
String

The unique reference for the transaction
narration
String

The Narration for the transactions being processed
destinationBankCode
String

The 3 digit bank code representing the destination bank
destinationAccountNumber
String

The beneficiary account number
currency
String

The currency of the transaction being initialised - "NGN"
sourceAccountNumber
String

Unique identifier of your wallet
REQUEST
Copy button
{
    "amount": 200,
    "reference":"referen00ce---1290034",
    "narration":"911 Transaction",
    "destinationBankCode": "057",
    "destinationAccountNumber": "2085886393",
    "currency": "NGN",
    "sourceAccountNumber": "3934178936"
}
RESPONSE
Copy button
{
    "requestSuccessful": true,
    "responseMessage": "success",
    "responseCode": "0",
    "responseBody": {
        "amount": 200,
        "reference": "referen00ce---1290034",
        "status": "SUCCESS",
        "dateCreated": "2022-07-31T14:31:33.759+0000",
        "totalFee": 35,
        "destinationAccountName": "BENJAMIN CHUKWUEMEKA ONONOGBU",
        "destinationBankName": "Zenith bank",
        "destinationAccountNumber": "2085886393",
        "destinationBankCode": "057"
    }
}

Initiate Transfer (Async)

This endpoint helps initiate transfer asynchronously to desired bank account.
POST
{{base_url}}/api/v2/disbursements/single

Headers

Authorization
bearer
Authorize this API call by generating a token here , include the Token in the request header.

Body Params

amount
Float

Amount to disburse
reference
String

The unique reference for the transaction
narration
String

The Narration for the transactions being processed
destinationBankCode
String

The 3 digit bank code representing the destination bank
destinationAccountNumber
String

The beneficiary account number
currency
String

The currency of the transaction being initialised - "NGN"
sourceAccountNumber
String

Unique identifier of your wallet
async
Boolean

An option to process disbursment asynchronously
REQUEST
Copy button
{
    "amount": 200,
    "reference":"reference-0x1290034",
    "narration":"911 Transaction",
    "destinationBankCode": "057",
    "destinationAccountNumber": "2085886393",
    "currency": "NGN",
    "sourceAccountNumber": "3934178936",
    "async":true
}
RESPONSE
Copy button
{
    "requestSuccessful": true,
    "responseMessage": "success",
    "responseCode": "0",
    "responseBody": {
        "amount": 200,
        "reference": "reference-0x1290034",
        "status": "PENDING",
        "dateCreated": "2023-09-22T15:38:38.443+0000",
        "totalFee": 35,
        "destinationBankName": "Zenith bank",
        "destinationAccountNumber": "2085886393",
        "destinationBankCode": "057"
    }
}

Initiate Transfer (Bulk)

This endpoint helps in Initiating Bulk Transfer transactions on your integration.
POST
{{base_url}}/api/v2/disbursements/batch

Headers

Authorization
bearer
Authorize this API call by generating a token here , include the Token in the request header.

Body Params

title
String

The title of the batch disbursement
batchReference
String

A unique reference identifying the batch disbursement
narration
String

A narration for the disbursement
sourceAccountNumber
String

The merchant WALLET ACCOUNT NUMBER.
onValidationFailure
Enum

Decision to be taken if any of the disbursement batches fail. Either BREAK or CONTINUE.
notificationInterval
Integer

This determines how often Monnify should notify the merchant of its progress when processing a batch transfer
transactionList
Array

A list of transactions to be processed
REQUEST
Copy button
{
	"title" : "Game of Batches",
    "batchReference":"batchreference--12934",
    "narration":"911 Transaction",
    "sourceAccountNumber": "3934178936",
    "onValidationFailure" : "CONTINUE",
    "notificationInterval": 25,
    "transactionList" : [
    	{
	    	"amount": 1300,
	    	"reference":"Final-Refere-nce-1a",
	    	"narration":"911 Transaction",
	    	"destinationBankCode": "058",
	    	"destinationAccountNumber": "0111946768",
	    	"currency": "NGN"
    	},
		{
    		"amount": 570,
	    	"reference":"Final-Ref-erence-2a",
	    	"narration":"911 Transaction",
	    	"destinationBankCode": "058",
	    	"destinationAccountNumber": "0111946768",
	    	"currency": "NGN"
    	},
		{
    		"amount": 230,
	    	"reference":"Final-Refer-ence-3a",
	    	"narration":"911 Transaction",
	    	"destinationBankCode": "058",
	    	"destinationAccountNumber": "0111946768",
	    	"currency": "NGN"
    	}


   	]
}
RESPONSE
Copy button
{
    "requestSuccessful": true,
    "responseMessage": "success",
    "responseCode": "0",
    "responseBody": {
        "totalAmount": 2100,
        "totalFee": 105,
        "batchReference": "batchreference--12934",
        "batchStatus": "AWAITING_PROCESSING",
        "totalTransactionsCount": 3,
        "dateCreated": "2022-07-31T14:41:19.588+0000"
    }
}

Authorize Single Transfers

This endpoint authorizes single transfers on your integration.
POST
{{base_url}}/api/v2/disbursements/single/validate-otp

Headers

Authorization
bearer
Authorize this API call by generating a token here , include the Token in the request header.

Body Params

reference
String

The unique reference for the transfer
authorizationCode
String

The OTP sent to merchant's email address
REQUEST
Copy button
{
    "reference":"refere--n00ce---1290034",
    "authorizationCode":"491763"
}
RESPONSE
Copy button
{
    "requestSuccessful": true,
    "responseMessage": "success",
    "responseCode": "0",
    "responseBody": {
        "amount": 200,
        "reference": "refere--n00ce---1290034",
        "status": "SUCCESS",
        "dateCreated": "2022-07-31T15:36:16.000+0000",
        "totalFee": 35,
        "destinationAccountName": "BENJAMIN CHUKWUEMEKA ONONOGBU",
        "destinationBankName": "Zenith bank",
        "destinationAccountNumber": "2085886393",
        "destinationBankCode": "057"
    }
}

Authorize Bulk Transfers

This endpoint authorizes bulk transfers on your integration.
POST
{{base_url}}/api/v2/disbursements/batch/validate-otp

Headers

Authorization
bearer
Authorize this API call by generating a token here , include the Token in the request header.

Body Params

reference
String

The batch reference used in the transfer
authorizationCode
String

The OTP sent to the merchant's email
REQUEST
Copy button
{
    "reference":"batchre-ference--12934",
    "authorizationCode":"122080"
}
RESPONSE
Copy button
{
    "requestSuccessful": true,
    "responseMessage": "success",
    "responseCode": "0",
    "responseBody": {
        "totalAmount": 2100,
        "totalFee": 105,
        "batchReference": "batchre-ference--12934",
        "batchStatus": "AWAITING_PROCESSING",
        "totalTransactionsCount": 3,
        "dateCreated": "2022-07-31T15:49:03.000+0000"
    }
}

Resend OTP

This endpoint generates a new OTP in the event that there were challenges with the former OTP sent.
POST
{{base_url}}/api/v2/disbursements/single/resend-otp

Headers

Authorization
bearer
Authorize this API call by generating a token here , include the Token in the request header.

Body Params

reference
String

The reference used for the transfer
REQUEST
Copy button
{
    "reference" : "{{reference}}"
}
RESPONSE
Copy button
{
    "requestSuccessful": true,
    "responseMessage": "success",
    "responseCode": "0",
    "responseBody": {
        "message": "Authorization code will be processed and sent to predefined email addresses(s)"
    }
}

Single Transfer Status

This endpoint verifies the status of a single transfer on your integration.
GET
{{base_url}}/api/v2/disbursements/single/summary

Headers

Authorization
bearer
Authorize this API call by generating a token here , include the Token in the request header.

Body Params

reference
String

The reference used for the transfer
REQUEST
Copy button
curl -H "Accept: application/json" 
{{base_url}}/api/v2/disbursements/single/summary?reference=referen00ce---1290034
RESPONSE
Copy button
{
    "requestSuccessful": true,
    "responseMessage": "success",
    "responseCode": "0",
    "responseBody": {
        "amount": 200,
        "reference": "referen00ce---1290034",
        "narration": "911 Transaction",
        "currency": "NGN",
        "fee": 35,
        "twoFaEnabled": false,
        "status": "SUCCESS",
        "transactionDescription": "Transaction successful",
        "transactionReference": "MFDS20220731033133AABQGN",
        "createdOn": "2022-07-31T14:31:34.000+0000",
        "sourceAccountNumber": "3934178936",
        "destinationAccountNumber": "2085886393",
        "destinationAccountName": "BENJAMIN CHUKWUEMEKA ONONOGBU",
        "destinationBankCode": "057",
        "destinationBankName": "Zenith bank"
    }
}

List All Single Transfers

This endpoint returns the list of all single transfers made on your integration.
GET
{{base_url}}/api/v2/disbursements/single/transactions

Headers

Authorization
bearer
Authorize this API call by generating a token here , include the Token in the request header.

Body Params

pageSize
Integer

The number of transfer records to return
pageNo
Integer

A number specifying what page of transfers to be retrieved
REQUEST
Copy button
curl -H "Accept: application/json" 
{{base_url}}/api/v2/disbursements/single/transactions?pageSize=20&pageNo=1
RESPONSE
Copy button
{
    "requestSuccessful": true,
    "responseMessage": "success",
    "responseCode": "0",
    "responseBody": {
        "content": [
            {
                "amount": 10,
                "reference": "hjkdd0odood0pl",
                "narration": "911 Transaction",
                "currency": "NGN",
                "fee": 35,
                "twoFaEnabled": false,
                "status": "SUCCESS",
                "transactionDescription": "Transaction successful",
                "transactionReference": "MFDS20220516012053AAAYYN",
                "createdOn": "2022-05-16T12:20:54.000+0000",
                "sourceAccountNumber": "3934178936",
                "destinationAccountNumber": "0111946768",
                "destinationAccountName": "MEKILIUWA SMART CHINONSO",
                "destinationBankCode": "058",
                "destinationBankName": "GTBank"
            },
            {
                "amount": 10,
                "reference": "hjkddodood0pl",
                "narration": "911 Transaction",
                "currency": "NGN",
                "fee": 35,
                "twoFaEnabled": false,
                "status": "SUCCESS",
                "transactionDescription": "Transaction successful",
                "transactionReference": "MFDS20220422013417AAAXSP",
                "createdOn": "2022-04-22T12:34:18.000+0000",
                "sourceAccountNumber": "3934178936",
                "destinationAccountNumber": "0111946768",
                "destinationAccountName": "MEKILIUWA SMART CHINONSO",
                "destinationBankCode": "058",
                "destinationBankName": "GTBank"
            },
            {
                "amount": 10,
                "reference": "hjkddodood0p9",
                "narration": "911 Transaction",
                "currency": "NGN",
                "fee": 35,
                "twoFaEnabled": false,
                "status": "SUCCESS",
                "transactionDescription": "Transaction successful",
                "transactionReference": "MFDS20220422103648AAAXSG",
                "createdOn": "2022-04-22T09:36:48.000+0000",
                "sourceAccountNumber": "3934178936",
                "destinationAccountNumber": "0111946768",
                "destinationAccountName": "MEKILIUWA SMART CHINONSO",
                "destinationBankCode": "058",
                "destinationBankName": "GTBank"
            },
            {
                "amount": 10,
                "reference": "hjkddodood0p",
                "narration": "911 Transaction",
                "currency": "NGN",
                "fee": 35,
                "twoFaEnabled": false,
                "status": "SUCCESS",
                "transactionDescription": "Transaction successful",
                "transactionReference": "MFDS20220422103636AAAXSF",
                "createdOn": "2022-04-22T09:36:36.000+0000",
                "sourceAccountNumber": "3934178936",
                "destinationAccountNumber": "0111946768",
                "destinationAccountName": "MEKILIUWA SMART CHINONSO",
                "destinationBankCode": "058",
                "destinationBankName": "GTBank"
            },
            {
                "amount": 10,
                "reference": "hjkddodood0",
                "narration": "911 Transaction",
                "currency": "NGN",
                "fee": 35,
                "twoFaEnabled": false,
                "status": "SUCCESS",
                "transactionDescription": "Transaction successful",
                "transactionReference": "MFDS20220422103623AAAXSE",
                "createdOn": "2022-04-22T09:36:23.000+0000",
                "sourceAccountNumber": "3934178936",
                "destinationAccountNumber": "0111946768",
                "destinationAccountName": "MEKILIUWA SMART CHINONSO",
                "destinationBankCode": "058",
                "destinationBankName": "GTBank"
            },
            {
                "amount": 10,
                "reference": "hjkddodood",
                "narration": "911 Transaction",
                "currency": "NGN",
                "fee": 35,
                "twoFaEnabled": false,
                "status": "SUCCESS",
                "transactionDescription": "Transaction successful",
                "transactionReference": "MFDS20220422090109AAAXRK",
                "createdOn": "2022-04-22T08:01:10.000+0000",
                "sourceAccountNumber": "3934178936",
                "destinationAccountNumber": "0111946768",
                "destinationAccountName": "MEKILIUWA SMART CHINONSO",
                "destinationBankCode": "058",
                "destinationBankName": "GTBank"
            },
            {
                "amount": 10,
                "reference": "reference234hh",
                "narration": "911 Transaction",
                "currency": "NGN",
                "fee": 35,
                "twoFaEnabled": false,
                "status": "SUCCESS",
                "transactionDescription": "Transaction successful",
                "transactionReference": "MFDS20220420120659AAAXNY",
                "createdOn": "2022-04-20T11:06:59.000+0000",
                "sourceAccountNumber": "3934178936",
                "destinationAccountNumber": "0111946768",
                "destinationAccountName": "MEKILIUWA SMART CHINONSO",
                "destinationBankCode": "058",
                "destinationBankName": "GTBank"
            },
            {
                "amount": 10,
                "reference": "reference29034hh",
                "narration": "911 Transaction",
                "currency": "NGN",
                "fee": 35,
                "twoFaEnabled": false,
                "status": "SUCCESS",
                "transactionDescription": "Transaction successful",
                "transactionReference": "MFDS20220420120252AAAXNX",
                "createdOn": "2022-04-20T11:02:53.000+0000",
                "sourceAccountNumber": "3934178936",
                "destinationAccountNumber": "0111946768",
                "destinationAccountName": "MEKILIUWA SMART CHINONSO",
                "destinationBankCode": "058",
                "destinationBankName": "GTBank"
            },
            {
                "amount": 10,
                "reference": "referene2934hh",
                "narration": "911 Transaction",
                "currency": "NGN",
                "fee": 35,
                "twoFaEnabled": false,
                "status": "SUCCESS",
                "transactionDescription": "Transaction successful",
                "transactionReference": "MFDS20220326055912AAAWGE",
                "createdOn": "2022-03-26T16:59:12.000+0000",
                "sourceAccountNumber": "3934178936",
                "destinationAccountNumber": "0111946768",
                "destinationAccountName": "MEKILIUWA SMART CHINONSO",
                "destinationBankCode": "058",
                "destinationBankName": "GTBank"
            },
            {
                "amount": 10,
                "reference": "reference2934hh",
                "narration": "911 Transaction",
                "currency": "NGN",
                "fee": 35,
                "twoFaEnabled": false,
                "status": "SUCCESS",
                "transactionDescription": "Transaction successful",
                "transactionReference": "MFDS20220322053101AAAVTO",
                "createdOn": "2022-03-22T16:31:02.000+0000",
                "sourceAccountNumber": "3934178936",
                "destinationAccountNumber": "0111946768",
                "destinationAccountName": "MEKILIUWA SMART CHINONSO",
                "destinationBankCode": "058",
                "destinationBankName": "GTBank"
            },
            {
                "amount": 10,
                "reference": "reference2934",
                "narration": "911 Transaction",
                "currency": "NGN",
                "fee": 35,
                "twoFaEnabled": false,
                "status": "SUCCESS",
                "transactionDescription": "Transaction successful",
                "transactionReference": "MFDS20220317100514AAAVMO",
                "createdOn": "2022-03-17T09:05:14.000+0000",
                "sourceAccountNumber": "3934178936",
                "destinationAccountNumber": "0111946768",
                "destinationAccountName": "MEKILIUWA SMART CHINONSO",
                "destinationBankCode": "058",
                "destinationBankName": "GTBank"
            },
            {
                "amount": 230,
                "reference": "Final-Reference-",
                "narration": "911 Transaction",
                "currency": "NGN",
                "fee": 35,
                "twoFaEnabled": false,
                "status": "SUCCESS",
                "transactionDescription": "Transaction successful",
                "transactionReference": "MFDS20220315094149AAAVDV",
                "createdOn": "2022-03-15T08:41:49.000+0000",
                "sourceAccountNumber": "3934178936",
                "destinationAccountNumber": "0111946768",
                "destinationAccountName": "MEKILIUWA SMART CHINONSO",
                "destinationBankCode": "058",
                "destinationBankName": "GTBank"
            },
            {
                "amount": 230,
                "reference": "Final-Reference-3c",
                "narration": "911 Transaction",
                "currency": "NGN",
                "fee": 35,
                "twoFaEnabled": false,
                "status": "FAILED",
                "transactionDescription": "Account number could not be validated",
                "transactionReference": "MFDS20220315094149AAAVDW",
                "createdOn": "2022-03-15T08:41:49.000+0000",
                "sourceAccountNumber": "3934178936",
                "destinationAccountNumber": "0111946788",
                "destinationBankCode": "058"
            },
            {
                "amount": 230,
                "reference": "Final-Reference-3b",
                "narration": "911 Transaction",
                "currency": "NGN",
                "fee": 35,
                "twoFaEnabled": false,
                "status": "FAILED",
                "transactionDescription": "Account number could not be validated",
                "transactionReference": "MFDS20220315094149AAAVDX",
                "createdOn": "2022-03-15T08:41:49.000+0000",
                "sourceAccountNumber": "3934178936",
                "destinationAccountNumber": "0111940768",
                "destinationBankCode": "058"
            },
            {
                "amount": 1300,
                "reference": "Final-Reference-v",
                "narration": "911 Transaction",
                "currency": "NGN",
                "fee": 35,
                "twoFaEnabled": false,
                "status": "SUCCESS",
                "transactionDescription": "Transaction successful",
                "transactionReference": "MFDS20220315094148AAAVDT",
                "createdOn": "2022-03-15T08:41:49.000+0000",
                "sourceAccountNumber": "3934178936",
                "destinationAccountNumber": "0111946768",
                "destinationAccountName": "MEKILIUWA SMART CHINONSO",
                "destinationBankCode": "058",
                "destinationBankName": "GTBank"
            },
            {
                "amount": 570,
                "reference": "Final-Reference-m",
                "narration": "911 Transaction",
                "currency": "NGN",
                "fee": 35,
                "twoFaEnabled": false,
                "status": "SUCCESS",
                "transactionDescription": "Transaction successful",
                "transactionReference": "MFDS20220315094148AAAVDU",
                "createdOn": "2022-03-15T08:41:49.000+0000",
                "sourceAccountNumber": "3934178936",
                "destinationAccountNumber": "0111946768",
                "destinationAccountName": "MEKILIUWA SMART CHINONSO",
                "destinationBankCode": "058",
                "destinationBankName": "GTBank"
            },
            {
                "amount": 570,
                "reference": "Final-Reference-2",
                "narration": "911 Transaction",
                "currency": "NGN",
                "fee": 35,
                "twoFaEnabled": false,
                "status": "SUCCESS",
                "transactionDescription": "Transaction successful",
                "transactionReference": "MFDS20220315093929AAAVDR",
                "createdOn": "2022-03-15T08:39:30.000+0000",
                "sourceAccountNumber": "3934178936",
                "destinationAccountNumber": "0111946768",
                "destinationAccountName": "MEKILIUWA SMART CHINONSO",
                "destinationBankCode": "058",
                "destinationBankName": "GTBank"
            },
            {
                "amount": 230,
                "reference": "Final-Reference-3",
                "narration": "911 Transaction",
                "currency": "NGN",
                "fee": 35,
                "twoFaEnabled": false,
                "status": "SUCCESS",
                "transactionDescription": "Transaction successful",
                "transactionReference": "MFDS20220315093929AAAVDS",
                "createdOn": "2022-03-15T08:39:30.000+0000",
                "sourceAccountNumber": "3934178936",
                "destinationAccountNumber": "0111946768",
                "destinationAccountName": "MEKILIUWA SMART CHINONSO",
                "destinationBankCode": "058",
                "destinationBankName": "GTBank"
            },
            {
                "amount": 1300,
                "reference": "Final-Reference-1",
                "narration": "911 Transaction",
                "currency": "NGN",
                "fee": 35,
                "twoFaEnabled": false,
                "status": "SUCCESS",
                "transactionDescription": "Transaction successful",
                "transactionReference": "MFDS20220315093929AAAVDQ",
                "createdOn": "2022-03-15T08:39:29.000+0000",
                "sourceAccountNumber": "3934178936",
                "destinationAccountNumber": "0111946768",
                "destinationAccountName": "MEKILIUWA SMART CHINONSO",
                "destinationBankCode": "058",
                "destinationBankName": "GTBank"
            },
            {
                "amount": 1300,
                "reference": "Final-Reference-1a",
                "narration": "911 Transaction",
                "currency": "NGN",
                "fee": 35,
                "twoFaEnabled": false,
                "status": "SUCCESS",
                "transactionDescription": "Transaction successful",
                "transactionReference": "MFDS20220315093339AAAVDN",
                "createdOn": "2022-03-15T08:33:39.000+0000",
                "sourceAccountNumber": "3934178936",
                "destinationAccountNumber": "0111946768",
                "destinationAccountName": "MEKILIUWA SMART CHINONSO",
                "destinationBankCode": "058",
                "destinationBankName": "GTBank"
            }
        ],
        "pageable": {
            "sort": {
                "sorted": true,
                "unsorted": false,
                "empty": false
            },
            "pageSize": 20,
            "pageNumber": 1,
            "offset": 20,
            "paged": true,
            "unpaged": false
        },
        "last": false,
        "totalPages": 3,
        "totalElements": 54,
        "sort": {
            "sorted": true,
            "unsorted": false,
            "empty": false
        },
        "first": false,
        "numberOfElements": 20,
        "size": 20,
        "number": 1,
        "empty": false
    }
}

List All Bulk Transfers

This endpoint returns the list of all bulk transfers made on your integration.
GET
{{base_url}}/api/v2/disbursements/bulk/transactions

Headers

Authorization
bearer
Authorize this API call by generating a token here , include the Token in the request header.

Body Params

pageSize
Integer

The number of transfer records to return
pageNo
Integer

A number specifying what page of transfers to be retrieved
REQUEST
Copy button
curl -H "Accept: application/json" 
https://sandbox.monnify.com/api/v2/disbursements/single/transactions?pageSize=5
RESPONSE
Copy button
{
    "requestSuccessful": true,
    "responseMessage": "success",
    "responseCode": "0",
    "responseBody": {
        "content": [
            {
                "totalAmount": 45,
                "totalFee": 80,
                "batchReference": "Batch-1596666798811",
                "batchStatus": "COMPLETED",
                "totalTransactionsCount": 4,
                "dateCreated": "2020-08-05T22:33:21.000+0000"
            },
            {
                "totalAmount": 50,
                "totalFee": 20,
                "batchReference": "Batch-1593606495053",
                "batchStatus": "COMPLETED",
                "totalTransactionsCount": 1,
                "dateCreated": "2020-07-01T12:28:16.000+0000"
            },
            {
                "totalAmount": 50,
                "totalFee": 20,
                "batchReference": "Batch-1593606391931",
                "batchStatus": "COMPLETED",
                "totalTransactionsCount": 1,
                "dateCreated": "2020-07-01T12:26:33.000+0000"
            }
        ],
        "pageable": {
            "sort": {
                "sorted": true,
                "unsorted": false,
                "empty": false
            },
            "pageSize": 3,
            "pageNumber": 0,
            "offset": 0,
            "unpaged": false,
            "paged": true
        },
        "totalPages": 3,
        "last": false,
        "totalElements": 7,
        "sort": {
            "sorted": true,
            "unsorted": false,
            "empty": false
        },
        "first": true,
        "numberOfElements": 3,
        "size": 3,
        "number": 0,
        "empty": false
    }
}

Get Bulk Transfer Transactions

This endpoint returns the list of all transactions in a bulk transfer batch and their status.
GET
{{base_url}}/api/v2/disbursements/bulk/batchreference--12934/transactions

Headers

Authorization
bearer
Authorize this API call by generating a token here , include the Token in the request header.

Body Params

pageSize
Integer

The number of transfer record to be returned per page
pageNo
Integer

A number specifying what page of transfers to be retrieved
batchReference
String

A unique reference identifying the batch disbursement
REQUEST
Copy button
curl -H "Accept: application/json" 
{{base_url}}/api/v2/disbursements/bulk/batchreference--12934/transactions
RESPONSE
Copy button
{
    "requestSuccessful": true,
    "responseMessage": "success",
    "responseCode": "0",
    "responseBody": {
        "content": [
            {
                "amount": 230,
                "reference": "Final-Refer-ence-3a",
                "narration": "911 Transaction",
                "currency": "NGN",
                "fee": 35,
                "twoFaEnabled": false,
                "status": "SUCCESS",
                "transactionDescription": "Transaction successful",
                "transactionReference": "MFDS20220731034121AABQGQ",
                "createdOn": "2022-07-31T14:41:21.000+0000",
                "sourceAccountNumber": "3934178936",
                "destinationAccountNumber": "0111946768",
                "destinationAccountName": "MEKILIUWA SMART CHINONSO",
                "destinationBankCode": "058",
                "destinationBankName": "GTBank"
            },
            {
                "amount": 570,
                "reference": "Final-Ref-erence-2a",
                "narration": "911 Transaction",
                "currency": "NGN",
                "fee": 35,
                "twoFaEnabled": false,
                "status": "SUCCESS",
                "transactionDescription": "Transaction successful",
                "transactionReference": "MFDS20220731034121AABQGP",
                "createdOn": "2022-07-31T14:41:21.000+0000",
                "sourceAccountNumber": "3934178936",
                "destinationAccountNumber": "0111946768",
                "destinationAccountName": "MEKILIUWA SMART CHINONSO",
                "destinationBankCode": "058",
                "destinationBankName": "GTBank"
            },
            {
                "amount": 1300,
                "reference": "Final-Refere-nce-1a",
                "narration": "911 Transaction",
                "currency": "NGN",
                "fee": 35,
                "twoFaEnabled": false,
                "status": "SUCCESS",
                "transactionDescription": "Transaction successful",
                "transactionReference": "MFDS20220731034120AABQGO",
                "createdOn": "2022-07-31T14:41:21.000+0000",
                "sourceAccountNumber": "3934178936",
                "destinationAccountNumber": "0111946768",
                "destinationAccountName": "MEKILIUWA SMART CHINONSO",
                "destinationBankCode": "058",
                "destinationBankName": "GTBank"
            }
        ],
        "pageable": {
            "sort": {
                "sorted": true,
                "unsorted": false,
                "empty": false
            },
            "pageSize": 10,
            "pageNumber": 0,
            "offset": 0,
            "paged": true,
            "unpaged": false
        },
        "last": true,
        "totalPages": 1,
        "totalElements": 3,
        "sort": {
            "sorted": true,
            "unsorted": false,
            "empty": false
        },
        "first": true,
        "numberOfElements": 3,
        "size": 10,
        "number": 0,
        "empty": false
    }
}

Bulk Transfer Status

This endpoint verifies the status of a bulk transfer on your integration.
GET
{{base_url}}/api/v2/disbursements/bulk/batchreference--12934/transactions

Headers

Authorization
bearer
Authorize this API call by generating a token here , include the Token in the request header.

Body Params

batchReference
String

A unique reference identifying the batch disbursement
REQUEST
Copy button
curl -H "Accept: application/json" 
{{base_url}}/api/v2/disbursements/bulk/batchreference--12934/transactions
RESPONSE
Copy button
{
    "requestSuccessful": true,
    "responseMessage": "success",
    "responseCode": "0",
    "responseBody": {
        "content": [
            {
                "amount": 230,
                "reference": "Final-Refer-ence-3a",
                "narration": "911 Transaction",
                "currency": "NGN",
                "fee": 35,
                "twoFaEnabled": false,
                "status": "SUCCESS",
                "transactionDescription": "Transaction successful",
                "transactionReference": "MFDS20220731034121AABQGQ",
                "createdOn": "2022-07-31T14:41:21.000+0000",
                "sourceAccountNumber": "3934178936",
                "destinationAccountNumber": "0111946768",
                "destinationAccountName": "MEKILIUWA SMART CHINONSO",
                "destinationBankCode": "058",
                "destinationBankName": "GTBank"
            },
            {
                "amount": 570,
                "reference": "Final-Ref-erence-2a",
                "narration": "911 Transaction",
                "currency": "NGN",
                "fee": 35,
                "twoFaEnabled": false,
                "status": "SUCCESS",
                "transactionDescription": "Transaction successful",
                "transactionReference": "MFDS20220731034121AABQGP",
                "createdOn": "2022-07-31T14:41:21.000+0000",
                "sourceAccountNumber": "3934178936",
                "destinationAccountNumber": "0111946768",
                "destinationAccountName": "MEKILIUWA SMART CHINONSO",
                "destinationBankCode": "058",
                "destinationBankName": "GTBank"
            },
            {
                "amount": 1300,
                "reference": "Final-Refere-nce-1a",
                "narration": "911 Transaction",
                "currency": "NGN",
                "fee": 35,
                "twoFaEnabled": false,
                "status": "SUCCESS",
                "transactionDescription": "Transaction successful",
                "transactionReference": "MFDS20220731034120AABQGO",
                "createdOn": "2022-07-31T14:41:21.000+0000",
                "sourceAccountNumber": "3934178936",
                "destinationAccountNumber": "0111946768",
                "destinationAccountName": "MEKILIUWA SMART CHINONSO",
                "destinationBankCode": "058",
                "destinationBankName": "GTBank"
            }
        ],
        "pageable": {
            "sort": {
                "sorted": true,
                "unsorted": false,
                "empty": false
            },
            "pageSize": 10,
            "pageNumber": 0,
            "offset": 0,
            "paged": true,
            "unpaged": false
        },
        "last": true,
        "totalPages": 1,
        "totalElements": 3,
        "sort": {
            "sorted": true,
            "unsorted": false,
            "empty": false
        },
        "first": true,
        "numberOfElements": 3,
        "size": 10,
        "number": 0,
        "empty": false
    }
}

Search Disbursement Transactions

This endpoint returns the list of all disbursement transactions.
GET
{{base_url}}/api/v2/disbursements/search-transactions

Headers

Authorization
bearer
Authorize this API call by generating a token here , include the Token in the request header.

Body Params

sourceAccountNumber
String

The merchant's WALLET ACCOUNT NUMBER, this parameter is mandatory
pageSize
Integer

The number of records to return
pageNo
Integer

The current page from the total
startDate
String

A timestamp value specifying the date to start filtering disbursement transactions by the createdAt field
endDate
String

A timestamp value specifying the date to stop filtering disbursement transactions by the createdAt field
amountFrom
String

A number specifying the lower bound for filtering the transactions by the amount field
amountTo
String

A number specifying the upper bound for filtering the transactions by the amount field.
REQUEST
Copy button
curl -H "Accept: application/json" 
{{base_url}}/api/v2/disbursements/search-transactions?sourceAccountNumber=3934178936
RESPONSE
Copy button
{
    "requestSuccessful": true,
    "responseMessage": "success",
    "responseCode": "0",
    "responseBody": {
        "content": [
            {
                "amount": 200,
                "reference": "refere--n00ce---1290--034",
                "narration": "911 Transaction",
                "currency": "NGN",
                "fee": 35,
                "twoFaEnabled": true,
                "status": "EXPIRED",
                "transactionDescription": "Transaction has expired",
                "transactionReference": "MFDS20220731044951AABQGV",
                "createdOn": "2022-07-31T15:49:51.000+0000",
                "sourceAccountNumber": "3934178936",
                "destinationAccountNumber": "2085886393",
                "destinationAccountName": "BENJAMIN CHUKWUEMEKA ONONOGBU",
                "destinationBankCode": "057",
                "destinationBankName": "Zenith bank"
            },
            {
                "amount": 230,
                "reference": "Final-Ref--er-ence-3a",
                "narration": "911 Transaction",
                "currency": "NGN",
                "fee": 35,
                "twoFaEnabled": true,
                "status": "SUCCESS",
                "transactionDescription": "Transaction successful",
                "transactionReference": "MFDS20220731044903AABQGU",
                "createdOn": "2022-07-31T15:49:04.000+0000",
                "sourceAccountNumber": "3934178936",
                "destinationAccountNumber": "0111946768",
                "destinationAccountName": "MEKILIUWA SMART CHINONSO",
                "destinationBankCode": "058",
                "destinationBankName": "GTBank"
            },
            {
                "amount": 570,
                "reference": "Final-Ref-e--rence-2a",
                "narration": "911 Transaction",
                "currency": "NGN",
                "fee": 35,
                "twoFaEnabled": true,
                "status": "SUCCESS",
                "transactionDescription": "Transaction successful",
                "transactionReference": "MFDS20220731044903AABQGT",
                "createdOn": "2022-07-31T15:49:04.000+0000",
                "sourceAccountNumber": "3934178936",
                "destinationAccountNumber": "0111946768",
                "destinationAccountName": "MEKILIUWA SMART CHINONSO",
                "destinationBankCode": "058",
                "destinationBankName": "GTBank"
            },
            {
                "amount": 1300,
                "reference": "Final-Ref--ere-nce-1a",
                "narration": "911 Transaction",
                "currency": "NGN",
                "fee": 35,
                "twoFaEnabled": true,
                "status": "SUCCESS",
                "transactionDescription": "Transaction successful",
                "transactionReference": "MFDS20220731044903AABQGS",
                "createdOn": "2022-07-31T15:49:04.000+0000",
                "sourceAccountNumber": "3934178936",
                "destinationAccountNumber": "0111946768",
                "destinationAccountName": "MEKILIUWA SMART CHINONSO",
                "destinationBankCode": "058",
                "destinationBankName": "GTBank"
            },
            {
                "amount": 200,
                "reference": "refere--n00ce---1290034",
                "narration": "911 Transaction",
                "currency": "NGN",
                "fee": 35,
                "twoFaEnabled": true,
                "status": "SUCCESS",
                "transactionDescription": "Transaction successful",
                "transactionReference": "MFDS20220731043616AABQGR",
                "createdOn": "2022-07-31T15:36:16.000+0000",
                "sourceAccountNumber": "3934178936",
                "destinationAccountNumber": "2085886393",
                "destinationAccountName": "BENJAMIN CHUKWUEMEKA ONONOGBU",
                "destinationBankCode": "057",
                "destinationBankName": "Zenith bank"
            },
            {
                "amount": 230,
                "reference": "Final-Refer-ence-3a",
                "narration": "911 Transaction",
                "currency": "NGN",
                "fee": 35,
                "twoFaEnabled": false,
                "status": "SUCCESS",
                "transactionDescription": "Transaction successful",
                "transactionReference": "MFDS20220731034121AABQGQ",
                "createdOn": "2022-07-31T14:41:21.000+0000",
                "sourceAccountNumber": "3934178936",
                "destinationAccountNumber": "0111946768",
                "destinationAccountName": "MEKILIUWA SMART CHINONSO",
                "destinationBankCode": "058",
                "destinationBankName": "GTBank"
            },
            {
                "amount": 570,
                "reference": "Final-Ref-erence-2a",
                "narration": "911 Transaction",
                "currency": "NGN",
                "fee": 35,
                "twoFaEnabled": false,
                "status": "SUCCESS",
                "transactionDescription": "Transaction successful",
                "transactionReference": "MFDS20220731034121AABQGP",
                "createdOn": "2022-07-31T14:41:21.000+0000",
                "sourceAccountNumber": "3934178936",
                "destinationAccountNumber": "0111946768",
                "destinationAccountName": "MEKILIUWA SMART CHINONSO",
                "destinationBankCode": "058",
                "destinationBankName": "GTBank"
            },
            {
                "amount": 1300,
                "reference": "Final-Refere-nce-1a",
                "narration": "911 Transaction",
                "currency": "NGN",
                "fee": 35,
                "twoFaEnabled": false,
                "status": "SUCCESS",
                "transactionDescription": "Transaction successful",
                "transactionReference": "MFDS20220731034120AABQGO",
                "createdOn": "2022-07-31T14:41:21.000+0000",
                "sourceAccountNumber": "3934178936",
                "destinationAccountNumber": "0111946768",
                "destinationAccountName": "MEKILIUWA SMART CHINONSO",
                "destinationBankCode": "058",
                "destinationBankName": "GTBank"
            },
            {
                "amount": 200,
                "reference": "referen00ce---1290034",
                "narration": "911 Transaction",
                "currency": "NGN",
                "fee": 35,
                "twoFaEnabled": false,
                "status": "SUCCESS",
                "transactionDescription": "Transaction successful",
                "transactionReference": "MFDS20220731033133AABQGN",
                "createdOn": "2022-07-31T14:31:34.000+0000",
                "sourceAccountNumber": "3934178936",
                "destinationAccountNumber": "2085886393",
                "destinationAccountName": "BENJAMIN CHUKWUEMEKA ONONOGBU",
                "destinationBankCode": "057",
                "destinationBankName": "Zenith bank"
            },
            {
                "amount": 200,
                "reference": "reference---12934",
                "narration": "911 Transaction",
                "currency": "NGN",
                "fee": 35,
                "twoFaEnabled": false,
                "status": "FAILED",
                "transactionDescription": "Name enquiry failed",
                "transactionReference": "MFDS20220731031032AABQGM",
                "createdOn": "2022-07-31T14:10:33.000+0000",
                "sourceAccountNumber": "3934178936",
                "destinationAccountNumber": "5000143115",
                "destinationBankCode": "035",
                "destinationBankName": "Wema bank"
            }
        ],
        "pageable": {
            "sort": {
                "sorted": true,
                "unsorted": false,
                "empty": false
            },
            "pageSize": 10,
            "pageNumber": 0,
            "offset": 0,
            "paged": true,
            "unpaged": false
        },
        "last": false,
        "totalPages": 6,
        "totalElements": 54,
        "sort": {
            "sorted": true,
            "unsorted": false,
            "empty": false
        },
        "first": true,
        "numberOfElements": 10,
        "size": 10,
        "number": 0,
        "empty": false
    }
}

Get Wallet Balance

This endpoint returns the available balance in your monnify wallet.
GET
{{base_url}}/api/v2/disbursements/wallet-balance

Headers

Authorization
bearer
Authorize this API call by generating a token here , include the Token in the request header.

Body Params

accountNumber
String

The merchant's WALLET ACCOUNT NUMBER.
REQUEST
Copy button
curl -H "Accept: application/json" 
https://sandbox.monnify.com/api/v2/disbursements/wallet-balance?accountNumber=String
RESPONSE
Copy button
{
    "requestSuccessful": true,
    "responseMessage": "success",
    "responseCode": "0",
    "responseBody": {
        "availableBalance": 378.93,
        "ledgerBalance": 378.93
    }
}

Wallet

Create Wallet

This endpoint creates wallets for merchants' customers
POST
{{base_url}}/api/v1/disbursements/wallet

Headers

Authorization
basic
Authorize this API call by including Authorization header that contains the word 'Basic' followed by a space and a base64-encoded string 'apiKey:clientSecret' i.e. 'Basic base64(ApiKey:SecretKey)', include the Token in the request header.

Body Params

walletReference
String

A unique identifier for the wallet
walletName
String

The desired wallet name
customerName
String

The customer's name
customerEmail
String

The customer's email
bvn
String

The customer's bvn
bvnDateOfBirth
String

The date of birth associated with the bvn in the format yyyy-mm-dd
REQUEST
Copy button
{
    "walletReference":"ref16842048425966",
    "walletName":"Staging Wallet - ref16804248425966",
    "customerName": "John Doe",
    "bvnDetails": {
    "bvn": "804248425966",
    "bvnDateOfBirth": "1993-04-23" 
    },
    "customerEmail": "[email protected]"
}
RESPONSE
Copy button
{
    "requestSuccessful": true,
    "responseMessage": "success",
    "responseCode": "0",
    "responseBody": {
        "walletName": "Staging Wallet - ref16804248425966",
        "walletReference": "ref16842048425966",
        "customerName": "Test01-John Doe",
        "customerEmail": "[email protected]",
        "feeBearer": "SELF",
        "bvnDetails": {
            "bvn": "22222222226",
            "bvnDateOfBirth": "1990-04-23"
        },
        "accountNumber": "1345947817",
        "accountName": "Test01-John Doe"
    }
}

Wallet Balance

This endpoint returns the balance associated with a wallet
GET
{{base_url}}/api/v1/disbursements/wallet/balance

Headers

Authorization
basic
Authorize this API call by including Authorization header that contains the word 'Basic' followed by a space and a base64-encoded string 'apiKey:clientSecret' i.e. 'Basic base64(ApiKey:SecretKey)', include the Token in the request header.

Body Params

walletReference
String

The unique identifier of the wallet
REQUEST
Copy button
curl -H "Accept: application/json" 
{{monnify_base_url}}/api/v1/disbursements/wallet/balance?accountNumber=9318673649
RESPONSE
Copy button
{
    "requestSuccessful": true,
    "responseMessage": "success",
    "responseCode": "0",
    "responseBody": {
        "availableBalance": 5000000000,
        "ledgerBalance": 5000000000
    }
}

Get Wallets

This endpoint returns all the wallets created by a merchant
GET
{{base_url}}/api/v1/disbursements/wallet

Headers

Authorization
basic
Authorize this API call by including Authorization header that contains the word 'Basic' followed by a space and a base64-encoded string 'apiKey:clientSecret' i.e. 'Basic base64(ApiKey:SecretKey)', include the Token in the request header.

Body Params

customerEmail
String

pageSize
Integer

pageNo
Integer

REQUEST
Copy button
curl -H "Accept: application/json" 
{{monnify_base_url}}/api/v1/disbursements/wallet?pageSize=10&pageNo=0
RESPONSE
Copy button
{
    "requestSuccessful": true,
    "responseMessage": "success",
    "responseCode": "0",
    "responseBody": {
        "content": [
            {
                "walletName": "Smart Wallet - 123",
                "walletReference": "sgsjsjshsishs",
                "customerName": "Test01-Smart Mek",
                "customerEmail": "[email protected]",
                "feeBearer": "SELF",
                "bvnDetails": {
                    "bvn": "222222226",
                    "bvnDateOfBirth": "1993-04-22"
                },
                "accountNumber": "2611645927",
                "accountName": "Test01-Smart Mek",
                "topUpAccountDetails": {
                    "accountNumber": "4999857145",
                    "accountName": "Test01-Smart Mek",
                    "bankCode": "001",
                    "bankName": "Monnify Test Bank"
                }
            },
            {
                "walletName": "Benj-Wallet-123",
                "walletReference": "Wal232323",
                "customerName": "Test01-Benji",
                "customerEmail": "[email protected]",
                "feeBearer": "SELF",
                "bvnDetails": {
                    "bvn": "22222222228",
                    "bvnDateOfBirth": "1993-04-23"
                },
                "accountNumber": "4445668698",
                "accountName": "Test01-Benji",
                "topUpAccountDetails": {
                    "accountNumber": "2349242677",
                    "accountName": "Test01-Benji",
                    "bankCode": "001",
                    "bankName": "Monnify Test Bank"
                }
            },
            {
                "walletName": "Staging Wallet - ref1684248425966",
                "walletReference": "ref1684248425966",
                "customerName": "Test01-John Doe",
                "customerEmail": "[email protected]",
                "feeBearer": "SELF",
                "bvnDetails": {
                    "bvn": "22222222228",
                    "bvnDateOfBirth": "1993-04-23"
                },
                "accountNumber": "9318673649",
                "accountName": "Test01-John Doe",
                "topUpAccountDetails": {
                    "accountNumber": "9373335565",
                    "accountName": "Test01-John Doe",
                    "bankCode": "001",
                    "bankName": "Monnify Test Bank"
                }
            },
            {
                "walletName": "Staging Wallet - ref1684248425966",
                "walletReference": "ref16842x48425966",
                "customerName": "Test01-John Doe",
                "customerEmail": "[email protected]",
                "feeBearer": "SELF",
                "bvnDetails": {
                    "bvn": "22222222228",
                    "bvnDateOfBirth": "1993-04-23"
                },
                "accountNumber": "6389487462",
                "accountName": "Test01-John Doe",
                "topUpAccountDetails": {
                    "accountNumber": "3141756258",
                    "accountName": "Test01-John Doe",
                    "bankCode": "001",
                    "bankName": "Monnify Test Bank"
                }
            },
            {
                "walletName": "Staging Wallet - ref1703147389707",
                "walletReference": "ref1703147389707",
                "customerName": "Test01-John Doe",
                "customerEmail": "[email protected]",
                "feeBearer": "SELF",
                "bvnDetails": {
                    "bvn": "22222222228",
                    "bvnDateOfBirth": "1992-04-23"
                },
                "accountNumber": "7728149563",
                "accountName": "Test01-John Doe",
                "topUpAccountDetails": {
                    "accountNumber": "5365119912",
                    "accountName": "Test01-John Doe",
                    "bankCode": "001",
                    "bankName": "Monnify Test Bank"
                }
            },
            {
                "walletName": "Staging Wallet - ref1703147486611",
                "walletReference": "ref1703147486611",
                "customerName": "Test01-John Doe",
                "customerEmail": "[email protected]",
                "feeBearer": "SELF",
                "bvnDetails": {
                    "bvn": "22222222228",
                    "bvnDateOfBirth": "1993-04-23"
                },
                "accountNumber": "3892823488",
                "accountName": "Test01-John Doe",
                "topUpAccountDetails": {
                    "accountNumber": "6427372829",
                    "accountName": "Test01-John Doe",
                    "bankCode": "001",
                    "bankName": "Monnify Test Bank"
                }
            },
            {
                "walletName": "Staging Wallet - ref1703147617449",
                "walletReference": "ref1703147617449",
                "customerName": "Test01-John Doe",
                "customerEmail": "[email protected]",
                "feeBearer": "SELF",
                "bvnDetails": {
                    "bvn": "22445912580",
                    "bvnDateOfBirth": "2001-10-06"
                },
                "accountNumber": "4823894483",
                "accountName": "Test01-John Doe",
                "topUpAccountDetails": {
                    "accountNumber": "3346545623",
                    "accountName": "Test01-John Doe",
                    "bankCode": "001",
                    "bankName": "Monnify Test Bank"
                }
            },
            {
                "walletName": "Staging Wallet - ref16804248425966",
                "walletReference": "ref16842048425966",
                "customerName": "Test01-John Doe",
                "customerEmail": "[email protected]",
                "feeBearer": "SELF",
                "bvnDetails": {
                    "bvn": "22222222227",
                    "bvnDateOfBirth": "1990-04-23"
                },
                "accountNumber": "1345947817",
                "accountName": "Test01-John Doe",
                "topUpAccountDetails": {
                    "accountNumber": "6356312549",
                    "accountName": "Test01-John Doe",
                    "bankCode": "001",
                    "bankName": "Monnify Test Bank"
                }
            }
        ],
        "pageable": {
            "sort": {
                "sorted": true,
                "unsorted": false,
                "empty": false
            },
            "pageSize": 10,
            "pageNumber": 0,
            "offset": 0,
            "paged": true,
            "unpaged": false
        },
        "last": true,
        "totalElements": 8,
        "totalPages": 1,
        "sort": {
            "sorted": true,
            "unsorted": false,
            "empty": false
        },
        "first": true,
        "numberOfElements": 8,
        "size": 10,
        "number": 0,
        "empty": false
    }
}

Wallet Transactions

This endpoint returns all the transactions performed by a wallet
GET
{{base_url}}/api/v1/disbursements/wallet/transactions

Headers

Authorization
basic
Authorize this API call by including Authorization header that contains the word 'Basic' followed by a space and a base64-encoded string 'apiKey:clientSecret' i.e. 'Basic base64(ApiKey:SecretKey)', include the Token in the request header.

Body Params

accountNumber
String

The walletAccountNumber
pageSize
Integer

The number of wallet records to return
pageNo
Integer

A number specifying what page of wallets to be retrieved
REQUEST
Copy button
curl -H "Accept: application/json" 
{{monnify_base_url}}/api/v1/disbursements/wallet/transactions?accountNumber=9318673649
RESPONSE
Copy button
{
    "requestSuccessful": true,
    "responseMessage": "success",
    "responseCode": "0",
    "responseBody": {
        "content": [],
        "pageable": {
            "sort": {
                "sorted": false,
                "unsorted": true,
                "empty": true
            },
            "pageSize": 10,
            "pageNumber": 0,
            "offset": 0,
            "paged": true,
            "unpaged": false
        },
        "last": true,
        "totalPages": 0,
        "totalElements": 0,
        "sort": {
            "sorted": false,
            "unsorted": true,
            "empty": true
        },
        "first": true,
        "numberOfElements": 0,
        "size": 10,
        "number": 0,
        "empty": true
    }
}

Limit Profile

Create Limit Profile(s)

This endpoint creates limit profiles on a customer's account.
POST
{{base_url}}/api/v1/limit-profile/

Headers

Authorization
bearer
Authorize this API call by generating a token here , include the Token in the request header.

Body Params

limitProfileName
String

The name of the Limit Profile
singleTransactionValue
Float

The maximum amount that can be allowed per transaction on the reserved accounts.
dailyTransactionValue
Float

The maximum amount per day in all transactions that can be allowed on the reserved accounts
dailyTransactionVolume
Float

The maximum number of transaction count per day allowed on the reserved accounts
REQUEST
Copy button
{
    "limitProfileName":"Profile0001",
    "singleTransactionValue":2000,
    "dailyTransactionVolume":500,
    "dailyTransactionValue": 150000
}
RESPONSE
Copy button
{
    "requestSuccessful": true,
    "responseMessage": "success",
    "responseCode": "0",
    "responseBody": {
        "limitProfileCode": "FSYVVWU8UPBD",
        "limitProfileName": "Profile0001",
        "singleTransactionValue": 2000,
        "dailyTransactionVolume": 500,
        "dailyTransactionValue": 150000,
        "dateCreated": "02/08/2022 02:27:43 AM",
        "lastModified": "02/08/2022 02:27:43 AM"
    }
}

Get Limit Profiles

This endpoint returns the list of all Limit Profiles that have been created for your customers.
GET
{{base_url}}/api/v1/limit-profile/

Headers

Authorization
bearer
Authorize this API call by generating a token here , include the Token in the request header.

Body Params

REQUEST
Copy button
curl -H "Accept: application/json" 
{{base_url}}/api/v1/limit-profile/
RESPONSE
Copy button
{
    "requestSuccessful": true,
    "responseMessage": "success",
    "responseCode": "0",
    "responseBody": {
        "content": [
            {
                "limitProfileCode": "3YXDEFS7ZWB4",
                "limitProfileName": "Benji profile",
                "singleTransactionValue": 2000,
                "dailyTransactionVolume": 500,
                "dailyTransactionValue": 150000,
                "dateCreated": "13/07/2022 10:08:00 PM",
                "lastModified": "13/07/2022 10:08:00 PM"
            },
            {
                "limitProfileCode": "HW5YMHPFPS86",
                "limitProfileName": "Profile001",
                "singleTransactionValue": 2000,
                "dailyTransactionVolume": 500,
                "dailyTransactionValue": 150000,
                "dateCreated": "02/08/2022 12:43:56 AM",
                "lastModified": "02/08/2022 12:43:56 AM"
            },
            {
                "limitProfileCode": "FSYVVWU8UPBD",
                "limitProfileName": "prof991",
                "singleTransactionValue": 70000,
                "dailyTransactionVolume": 4000,
                "dailyTransactionValue": 100000000,
                "dateCreated": "02/08/2022 02:27:44 AM",
                "lastModified": "02/08/2022 02:45:26 AM"
            }
        ],
        "pageable": {
            "sort": {
                "sorted": false,
                "unsorted": true,
                "empty": true
            },
            "pageSize": 10,
            "pageNumber": 0,
            "offset": 0,
            "paged": true,
            "unpaged": false
        },
        "last": true,
        "totalElements": 3,
        "totalPages": 1,
        "sort": {
            "sorted": false,
            "unsorted": true,
            "empty": true
        },
        "first": true,
        "numberOfElements": 3,
        "size": 10,
        "number": 0,
        "empty": false
    }
}

Update Limit Profile

This endpoint updates the information on an existing Limit Profile.
PUT
{{base_url}}/api/v1/limit-profile/FSYVVWU8UPBD

Headers

Authorization
bearer
Authorize this API call by generating a token here , include the Token in the request header.

Body Params

limitProfileName
String

The name of the Limit Profile
singleTransactionValue
Float

The maximum amount that can be allowed per transaction on the reserved accounts.
dailyTransactionValue
Float

The maximum amount per day in all transactions that can be allowed on the reserved accounts
dailyTransactionVolume
Float

The maximum number of transaction count per day allowed on the reserved accounts
limitProfileCode
String

The generated limit profile code passed as path parameter
REQUEST
Copy button
{
    "limitProfileName":"prof991",
    "singleTransactionValue":70000,
    "dailyTransactionVolume":4000,
    "dailyTransactionValue": 100000000
}
RESPONSE
Copy button
{
    "requestSuccessful": true,
    "responseMessage": "success",
    "responseCode": "0",
    "responseBody": {
        "limitProfileCode": "FSYVVWU8UPBD",
        "limitProfileName": "prof991",
        "singleTransactionValue": 70000,
        "dailyTransactionVolume": 4000,
        "dailyTransactionValue": 100000000,
        "dateCreated": "02/08/2022 02:27:44 AM",
        "lastModified": "02/08/2022 02:45:25 AM"
    }
}

Reserve Account with Limit

This endpoint reserves an account for your customers with a transaction limit profile on it.
POST
{{base_url}}/api/v1/bank-transfer/reserved-accounts/limit

Headers

Authorization
bearer
Authorize this API call by generating a token here , include the Token in the request header.

Body Params

accountReference
String

A unique reference generated by merchants.
accountName
String

The name to be displayed during name enquiry
currencyCode
String

The currency payments will be received with
contractCode
String

The merchant contract code
customerEmail
String

The customer's email
incomeSplitConfig
Object

A configuration on how payments are to be split among subaccounts
limitProfileCode
String

The unique identifier that references the limit profile to associate with the reserved account
String

REQUEST
Copy button
{
    "contractCode":"7059707855",
    "accountName":"Kan Yo' Reserved with Limit ",
    "currencyCode":"NGN",
    "accountReference": "ref-00--7",
    "customerEmail": "[email protected]",
    "customerName": "Kan Yo",
    "limitProfileCode": "FSYVVWU8UPBD"
}
RESPONSE
Copy button
{
    "requestSuccessful": true,
    "responseMessage": "success",
    "responseCode": "0",
    "responseBody": {
        "contractCode": "7059707855",
        "accountReference": "ref-00--7",
        "accountName": "Kan",
        "currencyCode": "NGN",
        "customerEmail": "[email protected]",
        "customerName": "Kan Yo",
        "accountNumber": "5000578928",
        "bankName": "Wema bank",
        "bankCode": "035",
        "collectionChannel": "RESERVED_ACCOUNT",
        "reservationReference": "0B70FP4CNC61U334XFG1",
        "reservedAccountType": "GENERAL",
        "status": "ACTIVE",
        "createdOn": "2022-08-02 02:53:25.617",
        "incomeSplitConfig": [],
        "restrictPaymentSource": false,
        "limitProfileConfig": {
            "limitProfileCode": "FSYVVWU8UPBD",
            "singleTransactionValue": 70000,
            "dailyTransactionVolume": 4000,
            "dailyTransactionValue": 100000000
        }
    }
}

Update Reserve Account Limit

This endpoint updates the information on an existing Limit Profile for a Reserved Account.
PUT
{{base_url}}/api/v1/bank-transfer/reserved-accounts/limit

Headers

Authorization
bearer
Authorize this API call by generating a token here , include the Token in the request header.

Body Params

accountReference
String

A unique reference generated by merchants.
limitProfileCode
String

The unique identifier that references the limit profile to associate with the reserved accounts.
REQUEST
Copy button
{
    "accountReference": "ref-00--7",
    "limitProfileCode": "FSYVVWU8UPBD"
}
RESPONSE
Copy button
{
    "requestSuccessful": true,
    "responseMessage": "success",
    "responseCode": "0",
    "responseBody": {
        "contractCode": "7059707855",
        "accountReference": "ref-00--7",
        "currencyCode": "NGN",
        "customerEmail": "[email protected]",
        "customerName": "Kan Yo",
        "accountNumber": "5000578928",
        "bankName": "Wema bank",
        "bankCode": "035",
        "collectionChannel": "RESERVED_ACCOUNT",
        "reservationReference": "0B70FP4CNC61U334XFG1",
        "reservedAccountType": "GENERAL",
        "status": "ACTIVE",
        "createdOn": "2022-08-02 02:53:26.0",
        "restrictPaymentSource": false,
        "limitProfileConfig": {
            "limitProfileCode": "FSYVVWU8UPBD",
            "singleTransactionValue": 70000,
            "dailyTransactionVolume": 4000,
            "dailyTransactionValue": 100000000
        }
    }
}

Refund

Initiate Refund

This endpoint allows you to Initiate a refund.
POST
{{base_url}}/api/v1/refunds/initiate-refund

Headers

Authorization
bearer
Authorize this API call by generating a token here , include the Token in the request header.

Body Params

transactionReference
String

Unique identifier for the transaction generated by Monnify.
refundAmount
Float

Amount to refund.
refundReference
String

Unique identifier for the transaction refund generated by the merchant.
refundReason
String

A note describing reason why this transaction is being refunded.
customerNote
String

This field serves as a narration in credit to the customer's bank account.
destinationAccountNumber
String

The account number to be refunded
destinationBankCode
String

The bank code for the destinationAccountNumber.
REQUEST
Copy button
{
    "transactionReference": "MNFY|65|20220727094724|000477",
    "refundReference":"202100op3456",
    "refundAmount": 100,
    "refundReason": "Order cancelled!",
    "customerNote": "An optional note",
    "destinationAccountNumber": "3270005594",
    "destinationAccountBankCode": "050"
}
RESPONSE
Copy button
{
    "requestSuccessful": true,
    "responseMessage": "success",
    "responseCode": "0",
    "responseBody": {
        "refundReference": "202100op3456",
        "transactionReference": "MNFY|65|20220727094724|000477",
        "refundReason": "Order cancelled!",
        "customerNote": "An optional note",
        "refundAmount": 100,
        "refundType": "PARTIAL_REFUND",
        "refundStatus": "COMPLETED",
        "refundStrategy": "MERCHANT_WALLET",
        "comment": "Transaction refund is in progress.",
        "completedOn": "02/08/2022 03:35:22 AM",
        "createdOn": "02/08/2022 03:35:21 AM"
    }
}

Get Refund Status

This endpoint returns the status of an initiated refund.
GET
{{base_url}}/api/v1/refunds/202100op3456

Headers

Authorization
bearer
Authorize this API call by generating a token here , include the Token in the request header.

Body Params

refundReference
String

The refund reference used for the refund.
REQUEST
Copy button
curl -H "Accept: application/json" 
{{base_url}}/api/v1/refunds/202100op3456
RESPONSE
Copy button
{
    "requestSuccessful": true,
    "responseMessage": "success",
    "responseCode": "0",
    "responseBody": {
        "refundReference": "202100op3456",
        "transactionReference": "MNFY|65|20220727094724|000477",
        "refundReason": "Order cancelled!",
        "customerNote": "An optional note",
        "refundAmount": 100,
        "refundType": "PARTIAL_REFUND",
        "refundStatus": "COMPLETED",
        "refundStrategy": "MERCHANT_WALLET",
        "comment": "Refund processed successfully.",
        "completedOn": "02/08/2022 03:35:22 AM",
        "createdOn": "02/08/2022 03:35:22 AM"
    }
}

Get All Refunds

This endpoint returns the list of all refunds available on your integration.
GET
{{base_url}}/api/v1/refunds

Headers

Authorization
bearer
Authorize this API call by generating a token here , include the Token in the request header.

Body Params

page
Integer

An integer specifying the page of transactions to be retrieved. Page number starts from 0.
size
Integer

An integer specifying the size of transactions to be returned per page.
REQUEST
Copy button
curl -H "Accept: application/json" 
{{base_url}}/api/v1/refunds
RESPONSE
Copy button
{
    "requestSuccessful": true,
    "responseMessage": "success",
    "responseCode": "0",
    "responseBody": {
        "content": [
            {
                "refundReference": "202100op3456",
                "transactionReference": "MNFY|65|20220727094724|000477",
                "refundReason": "Order cancelled!",
                "customerNote": "An optional note",
                "refundAmount": 100,
                "refundType": "PARTIAL_REFUND",
                "refundStatus": "COMPLETED",
                "refundStrategy": "MERCHANT_WALLET",
                "comment": "Refund processed successfully.",
                "completedOn": "02/08/2022 03:35:22 AM",
                "createdOn": "02/08/2022 03:35:22 AM"
            },
            {
                "refundReference": "1237hdid--jdj0p99p",
                "transactionReference": "MNFY|33|20220525090254|000848",
                "refundReason": "Order cancelled! (limited to 64 characters)",
                "customerNote": "A note",
                "refundAmount": 900,
                "refundType": "PARTIAL_REFUND",
                "refundStatus": "COMPLETED",
                "refundStrategy": "MERCHANT_WALLET",
                "comment": "Refund processed successfully.",
                "completedOn": "05/07/2022 01:18:16 PM",
                "createdOn": "05/07/2022 01:18:15 PM"
            },
            {
                "refundReference": "1237j890---9d-jdj0p99p",
                "transactionReference": "MNFY|33|20220525110449|000855",
                "refundReason": "Order cancelled! (limited to 64 characters)",
                "customerNote": "A note",
                "refundAmount": 1000,
                "refundType": "PARTIAL_REFUND",
                "refundStatus": "COMPLETED",
                "refundStrategy": "MERCHANT_WALLET",
                "comment": "Refund processed successfully.",
                "completedOn": "05/07/2022 12:46:55 PM",
                "createdOn": "05/07/2022 12:46:51 PM"
            },
            {
                "refundReference": "1237j890-9d-jdj0p99p",
                "transactionReference": "MNFY|33|20220525110449|000855",
                "refundReason": "Order cancelled! (limited to 64 characters)",
                "customerNote": "A note",
                "refundAmount": 1000,
                "refundType": "PARTIAL_REFUND",
                "refundStatus": "COMPLETED",
                "refundStrategy": "MERCHANT_WALLET",
                "comment": "Refund processed successfully.",
                "completedOn": "04/07/2022 08:22:30 AM",
                "createdOn": "04/07/2022 08:22:26 AM"
            },
            {
                "refundReference": "1237j89--9d-jdj0p99p",
                "transactionReference": "MNFY|33|20220525110449|000855",
                "refundReason": "Order cancelled! (limited to 64 characters)",
                "customerNote": "A note",
                "refundAmount": 1000,
                "refundType": "PARTIAL_REFUND",
                "refundStatus": "COMPLETED",
                "refundStrategy": "MERCHANT_WALLET",
                "comment": "Refund processed successfully.",
                "completedOn": "29/06/2022 12:50:11 PM",
                "createdOn": "29/06/2022 12:50:10 PM"
            },
            {
                "refundReference": "1237j89--9d--jdj0p99p",
                "transactionReference": "MNFY|33|20220525110449|000855",
                "refundReason": "Order cancelled! (limited to 64 characters)",
                "customerNote": "A note",
                "refundAmount": 1000,
                "refundType": "PARTIAL_REFUND",
                "refundStatus": "COMPLETED",
                "refundStrategy": "MERCHANT_WALLET",
                "comment": "Refund processed successfully.",
                "completedOn": "29/06/2022 12:16:02 PM",
                "createdOn": "29/06/2022 12:16:01 PM"
            },
            {
                "refundReference": "1237j899d--jdj0p99p",
                "transactionReference": "MNFY|33|20220525090450|000849",
                "refundReason": "Order cancelled! (limited to 64 characters)",
                "customerNote": "A note",
                "refundAmount": 1000,
                "refundType": "PARTIAL_REFUND",
                "refundStatus": "PENDING",
                "refundStrategy": "MERCHANT_WALLET",
                "comment": "",
                "completedOn": "",
                "createdOn": "29/06/2022 12:13:34 PM"
            },
            {
                "refundReference": "1237j899djdj0p99p",
                "transactionReference": "MNFY|33|20220525090450|000849",
                "refundReason": "Order cancelled! (limited to 64 characters)",
                "customerNote": "A note",
                "refundAmount": 100,
                "refundType": "PARTIAL_REFUND",
                "refundStatus": "PENDING",
                "refundStrategy": "MERCHANT_WALLET",
                "comment": "",
                "completedOn": "",
                "createdOn": "29/06/2022 11:44:18 AM"
            },
            {
                "refundReference": "1237jdjdj0p99p",
                "transactionReference": "MNFY|23|20220526072803|000006",
                "refundReason": "Order cancelled! (limited to 64 characters)",
                "customerNote": "A note",
                "refundAmount": 100.56,
                "refundType": "PARTIAL_REFUND",
                "refundStatus": "PENDING",
                "refundStrategy": "MERCHANT_WALLET",
                "comment": "",
                "completedOn": "",
                "createdOn": "29/06/2022 11:42:56 AM"
            },
            {
                "refundReference": "1234567jdjdj0p99p",
                "transactionReference": "MNFY|23|20220526072803|000006",
                "refundReason": "Order cancelled! (limited to 64 characters)",
                "customerNote": "A note",
                "refundAmount": 100.56,
                "refundType": "PARTIAL_REFUND",
                "refundStatus": "PENDING",
                "refundStrategy": "MERCHANT_WALLET",
                "comment": "",
                "completedOn": "",
                "createdOn": "29/06/2022 11:31:46 AM"
            }
        ],
        "pageable": {
            "sort": {
                "sorted": true,
                "unsorted": false,
                "empty": false
            },
            "pageSize": 10,
            "pageNumber": 0,
            "offset": 0,
            "paged": true,
            "unpaged": false
        },
        "last": false,
        "totalElements": 17,
        "totalPages": 2,
        "sort": {
            "sorted": true,
            "unsorted": false,
            "empty": false
        },
        "first": true,
        "numberOfElements": 10,
        "size": 10,
        "number": 0,
        "empty": false
    }
}

Settlements

Get Transactions By Settlement Reference

This endpoint returns all transactions that made up a settlement.
GET
{{base_url}}/api/v1/transactions/find-by-settlement-reference

Headers

Authorization
bearer
Authorize this API call by generating a token here , include the Token in the request header.

Body Params

reference
String

The settlement reference
page
Integer

The current page of the record
size
Integer

The number of transactions per page
REQUEST
Copy button
curl -H "Accept: application/json" 
{{base_url}}/api/v1/transactions/find-by-settlement-reference?reference=XUY3FHWRJP3CEM4N17BA&page=0&size=20
RESPONSE
Copy button
{
    "requestSuccessful": true,
    "responseMessage": "success",
    "responseCode": "0",
    "responseBody": {
        "content": [
            {
                "transactionReference": "MNFY|28|20220718162222|066201",
                "paymentReference": "1658157741945",
                "amountPaid": "20.32",
                "totalPayable": "20.32",
                "settlementAmount": "20.00",
                "paidOn": "18/07/2022 04:23:55 PM",
                "paymentStatus": "PAID",
                "paymentDescription": "lets pay",
                "transactionHash": "218523babb5416ed29477d618c315f458d6a7e881edf9d7a7cfb5fa7a61a16857f80cb1a795ee07cdfd92f9502970cb71d59c4b21017952feacff99f17cbdb92",
                "currency": "NGN",
                "paymentMethod": "CARD",
                "product": {
                    "type": "WEB_SDK",
                    "reference": "1658157741945"
                },
                "cardDetails": {
                    "cardType": "MasterCard",
                    "last4": "9098",
                    "expMonth": "07",
                    "expYear": "23",
                    "bin": "539941",
                    "bankCode": "057",
                    "bankName": "Zenith bank",
                    "reusable": true,
                    "countryCode": null,
                    "cardToken": "MNFY_1B4B8224C4A847DE847B094AB7B979F9",
                    "supportsTokenization": true,
                    "maskedPan": "539941******9098"
                },
                "accountDetails": null,
                "accountPayments": [],
                "customer": {
                    "email": "[email protected]",
                    "name": "Marvelous Benji"
                },
                "metaData": {
                    "name": "Damilare",
                    "age": "45"
                }
            },
            {
                "transactionReference": "MNFY|49|20220719101559|009531",
                "paymentReference": "1658222158122",
                "amountPaid": "20.32",
                "totalPayable": "20.32",
                "settlementAmount": "20.00",
                "paidOn": "19/07/2022 10:17:40 AM",
                "paymentStatus": "PAID",
                "paymentDescription": "lets pay",
                "transactionHash": "59cd9d38a82faacc5a44690236348d296d1b19c2a91786186b4b044f51d1feac0104fae1141ac5549ad74b5a4b93715a77088629e5ad3f64d36d1d9c963c92ec",
                "currency": "NGN",
                "paymentMethod": "CARD",
                "product": {
                    "type": "WEB_SDK",
                    "reference": "1658222158122"
                },
                "cardDetails": {
                    "cardType": "MasterCard",
                    "last4": "9098",
                    "expMonth": "07",
                    "expYear": "23",
                    "bin": "539941",
                    "bankCode": "057",
                    "bankName": "Zenith bank",
                    "reusable": true,
                    "countryCode": null,
                    "cardToken": "MNFY_7FEB76238A0C4A5EA96FC448330C63A9",
                    "supportsTokenization": true,
                    "maskedPan": "539941******9098"
                },
                "accountDetails": null,
                "accountPayments": [],
                "customer": {
                    "email": "[email protected]",
                    "name": "Marvelous Benji"
                },
                "metaData": {}
            },
            {
                "transactionReference": "MNFY|48|20220719101906|009342",
                "paymentReference": "1658222346512",
                "amountPaid": "20.32",
                "totalPayable": "20.32",
                "settlementAmount": "20.00",
                "paidOn": "19/07/2022 10:20:22 AM",
                "paymentStatus": "PAID",
                "paymentDescription": "lets pay",
                "transactionHash": "66a96618cb73aab85a09b875a34a5295007857b04705e990e26f1e97be3eea8cb4f6b377ffa01e9e4a0418ebb5a9e5ea919f68755e4b18387f5920cb9f1a8fea",
                "currency": "NGN",
                "paymentMethod": "CARD",
                "product": {
                    "type": "WEB_SDK",
                    "reference": "1658222346512"
                },
                "cardDetails": {
                    "cardType": "MasterCard",
                    "last4": "9098",
                    "expMonth": "07",
                    "expYear": "23",
                    "bin": "539941",
                    "bankCode": "057",
                    "bankName": "Zenith bank",
                    "reusable": true,
                    "countryCode": null,
                    "cardToken": "MNFY_64355FBB44534A3E8B484985436BE1BD",
                    "supportsTokenization": true,
                    "maskedPan": "539941******9098"
                },
                "accountDetails": null,
                "accountPayments": [],
                "customer": {
                    "email": "[email protected]",
                    "name": "Marvelous Benji"
                },
                "metaData": {
                    "name": "Damilare",
                    "age": "45"
                }
            },
            {
                "transactionReference": "MNFY|39|20220719103424|010787",
                "paymentReference": "16427--76682--937",
                "amountPaid": "20.00",
                "totalPayable": "20.32",
                "settlementAmount": "19.68",
                "paidOn": "19/07/2022 10:34:34 AM",
                "paymentStatus": "PARTIALLY_PAID",
                "paymentDescription": "Paying for Product A",
                "transactionHash": "339a4383b8755d6ddf0d7b2f363e4fd820248d2a88caa22d1cf922fda82e7fb45d4eec71a90d7a212b68efed4a5df2bc63767e62e63bdb97ace7686f64d46896",
                "currency": "NGN",
                "paymentMethod": "CARD",
                "product": {
                    "type": "API_NOTIFICATION",
                    "reference": "16427--76682--937"
                },
                "cardDetails": {
                    "cardType": "MasterCard",
                    "last4": "9098",
                    "expMonth": "07",
                    "expYear": "23",
                    "bin": "539941",
                    "bankCode": "057",
                    "bankName": "Zenith bank",
                    "reusable": true,
                    "countryCode": null,
                    "cardToken": "MNFY_64355FBB44534A3E8B484985436BE1BD",
                    "supportsTokenization": false,
                    "maskedPan": "539941******9098"
                },
                "accountDetails": null,
                "accountPayments": [],
                "customer": {
                    "email": "[email protected]",
                    "name": "Marvelous Benji"
                },
                "metaData": {
                    "deviceType": "mobile",
                    "ipAddress": "127.0.0.1"
                }
            }
        ],
        "pageable": {
            "sort": {
                "sorted": false,
                "unsorted": true,
                "empty": true
            },
            "pageSize": 20,
            "pageNumber": 0,
            "offset": 0,
            "paged": true,
            "unpaged": false
        },
        "last": true,
        "totalElements": 4,
        "totalPages": 1,
        "sort": {
            "sorted": false,
            "unsorted": true,
            "empty": true
        },
        "first": true,
        "numberOfElements": 4,
        "size": 20,
        "number": 0,
        "empty": false
    }
}

Get Settlement Information for Transaction

This endpoint returns settlement information on transactions made to your settlement account.
GET
{{base_url}}/api/v1/settlement-detail

Headers

Authorization
bearer
Authorize this API call by generating a token here , include the Token in the request header.

Body Params

transactionReference
String

The Monnify transaction reference of the desired transaction
REQUEST
Copy button
curl -H "Accept: application/json" 
{{base_url}}/api/v1/settlement-detail?transactionReference=MNFY%7C28%7C20220718162222%7C066201
RESPONSE
Copy button
{
    "requestSuccessful": true,
    "responseMessage": "success",
    "responseCode": "0",
    "responseBody": {
        "transaction": {
            "transactionReference": "MNFY|28|20220718162222|066201",
            "paymentReference": "1658157741945",
            "amountPaid": "20.32",
            "totalPayable": "20.32",
            "settlementAmount": "20.00",
            "paidOn": "18/07/2022 04:23:55 PM",
            "paymentStatus": "PAID",
            "paymentDescription": "lets pay",
            "currency": "NGN",
            "paymentMethod": "CARD",
            "product": {
                "type": "WEB_SDK",
                "reference": "1658157741945"
            },
            "cardDetails": {
                "cardType": "MasterCard",
                "last4": "9098",
                "expMonth": "07",
                "expYear": "23",
                "bin": "539941",
                "bankCode": "057",
                "bankName": "Zenith bank",
                "reusable": true,
                "countryCode": null,
                "cardToken": "MNFY_1B4B8224C4A847DE847B094AB7B979F9",
                "supportsTokenization": true,
                "maskedPan": "539941******9098"
            },
            "accountDetails": null,
            "accountPayments": [],
            "customer": {
                "email": "[email protected]",
                "name": "Marvelous Benji"
            },
            "metaData": {
                "name": "Damilare",
                "age": "45"
            }
        },
        "beneficiaries": [
            {
                "beneficiaryType": "MERCHANT_CONTRACT",
                "beneficiaryCode": "100693167467",
                "beneficiaryIncome": 20,
                "incurredFee": 0.32,
                "settlementStatus": "SUCCESS",
                "settlementInformation": {
                    "settledDate": "2022-07-20T21:01:06.000+0000",
                    "settlementReference": "XUY3FHWRJP3CEM4N17BA",
                    "settlementAmount": 79.68,
                    "settlementFee": 0,
                    "destinationAccountNumber": "2085886393",
                    "destinationAccountName": "BENJAMIN CHUKWUEMEKA ONONOGBU",
                    "destinationBankName": "Zenith bank",
                    "destinationBankCode": "057"
                }
            }
        ]
    }
}

Verification APIs

Validate Bank Account

This endpoint validates a Customer's NUBAN Account.
GET
{{base_url}}/api/v1/disbursements/account/validate

Headers

Authorization
bearer
Authorize this API call by generating a token here , include the Token in the request header.

Body Params

accountNumber
String

The account number to be validated
bankCode
String

The bank code of the required account number
REQUEST
Copy button
curl -H "Accept: application/json" 
{{base_url}}/api/v1/disbursements/account/validate?accountNumber=2085886393&bankCode=057
RESPONSE
Copy button
{
    "requestSuccessful": true,
    "responseMessage": "success",
    "responseCode": "0",
    "responseBody": {
        "accountNumber": "0123456789",
        "accountName": "Damilare Ogunnaike",
        "bankCode": "057"
    }
}

BVN Information Verification

This endpoint verifies the BVN information of your customers.
POST
{{base_url}}/api/v1/vas/bvn-details-match

Headers

Authorization
bearer
Authorize this API call by generating a token here , include the Token in the request header.

Body Params

bvn
String

The user's bvn
name
String

The user’s name
dateOfBirth
String

The user’s date of birth
mobileNo
String

The user's mobile number
REQUEST
Copy button
{
	"bvn":"22222222226",
    "name": "Benjamin Ranae RT",
    "dateOfBirth": "03-Oct-1993",
    "mobileNo": "08016857829"
}
RESPONSE
Copy button
{
    "requestSuccessful": false,
    "responseMessage": "Unable to process request. Invalid BVN provided",
    "responseCode": "99"
}

BVN and Account Name Match

This endpoint verifies that the Bank verification number and the account number supplied by a user match the BVN and account number linked to that account.
POST
{{base_url}}/api/v1/vas/bvn-account-match

Headers

Authorization
bearer
Authorize this API call by generating a token here , include the Token in the request header.

Body Params

bankCode
String

The user’s bank code
accountNumber
String

The user's account number
bvn
String

The user’s bvn
REQUEST
Copy button
{
	"bankCode":"044",
	"accountNumber":"0105284275",
	"bvn":"22222222226"
}
RESPONSE
Copy button
{
    "requestSuccessful": true,
    "responseMessage": "success",
    "responseCode": "0",
    "responseBody": {
        "bvn": "22222222226",
        "accountNumber": "0103284175",
        "accountName": "OLATUNDE JOSIAH OGUNBOYEJO",
        "matchStatus": "FULL_MATCH",
        "matchPercentage": 100
    }
}

NIN Verification

This endpoint verifies the supplied NIN of the customer
POST
{{base_url}}/api/v1/vas/nin-details

Headers

Authorization
bearer
Authorize this API call by generating a token here , include the Token in the request header.

Body Params

nin
String

The customer’s NIN
REQUEST
Copy button
{
    "nin":"94622222228"
}
RESPONSE
Copy button
{
    "requestSuccessful": true,
    "responseMessage": "success",
    "responseCode": "0",
    "responseBody": {
        "nin": "94622222228",
        "lastName": "CHARLIE",
        "firstName": "JOE",
        "middleName": "CHUKWUEMEKA",
        "dateOfBirth": "1990-04-23",
        "gender": "OTHER",
        "mobileNumber": "2348105345480"
    }
}

Others

Get Banks

This endpoint returns a list of all banks supported by Monnify for collections and disbursements.
GET
{{base_url}}/api/v1/banks

Headers

Authorization
bearer
Authorize this API call by generating a token here , include the Token in the request header.

Body Params

REQUEST
Copy button
curl -H "Accept: application/json" 
{{base_url}}/api/v1/banks
RESPONSE
Copy button
{
    "requestSuccessful": true,
    "responseMessage": "success",
    "responseCode": "0",
    "responseBody": [
        {
            "name": "9 PAYMENT SOLUTIONS BANK",
            "code": "120001",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "AB MICROFINANCE BANK ",
            "code": "090270",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "ABBEY MORTGAGE BANK",
            "code": "070010",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "ABOVE ONLY MICROFINANCE BANK ",
            "code": "090260",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "ABU MICROFINANCE BANK ",
            "code": "090197",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "Access bank",
            "code": "044",
            "ussdTemplate": "*901*Amount*AccountNumber#",
            "baseUssdCode": "*901#",
            "transferUssdTemplate": "*901*AccountNumber#"
        },
        {
            "name": "ACCESS MONEY",
            "code": "927",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "ACCESS YELLO & BETA",
            "code": "100052",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "ACCION MICROFINANCE BANK",
            "code": "090134",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "ADDOSSER MICROFINANCE BANK",
            "code": "090160",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "ADEYEMI COLLEGE STAFF MICROFINANCE BANK",
            "code": "090268",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "AFEKHAFE MICROFINANCE BANK",
            "code": "090292",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "AG MORTGAGE BANK",
            "code": "100028",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "AL-BARAKAH MICROFINANCE BANK",
            "code": "090133",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "ALEKUN MICROFINANCE BANK",
            "code": "090259",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "ALERT MICROFINANCE BANK",
            "code": "090297",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "ALLWORKERS MICROFINANCE BANK",
            "code": "090131",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "ALPHA KAPITAL MICROFINANCE BANK ",
            "code": "090169",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "AMML MICROFINANCE BANK ",
            "code": "914",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "APEKS MICROFINANCE BANK",
            "code": "090143",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "ARISE MICROFINANCE BANK",
            "code": "090282",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "ASO SAVINGS",
            "code": "905",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "ASSETMATRIX MICROFINANCE BANK",
            "code": "090287",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "ASTRAPOLARIS MICROFINANCE BANK",
            "code": "090172",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "AUCHI MICROFINANCE BANK ",
            "code": "090264",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "BAINES CREDIT MICROFINANCE BANK",
            "code": "090188",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "BALOGUN GAMBARI MICROFINANCE BANK",
            "code": "090326",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "BC KASH MICROFINANCE BANK",
            "code": "090127",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "BIPC MICROFINANCE BANK",
            "code": "090336",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "BOCTRUST MICROFINANCE BANK LIMITED",
            "code": "952",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "BOSAK MICROFINANCE BANK",
            "code": "090176",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "Bowen Microfinance Bank",
            "code": "50931",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "BRENT MORTGAGE BANK",
            "code": "070015",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "BRIGHTWAY MICROFINANCE BANK",
            "code": "090308",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "CASHCONNECT MICROFINANCE BANK",
            "code": "090360",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "CELLULANT",
            "code": "919",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "CEMCS Microfinance Bank",
            "code": "50823",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "CHAMS MOBILE",
            "code": "929",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "CHIKUM MICROFINANCE BANK",
            "code": "090141",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "CIT MICROFINANCE BANK",
            "code": "090144",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "Citibank Nigeria",
            "code": "023",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "COASTLINE MICROFINANCE BANK",
            "code": "090374",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "CONPRO MICROFINANCE BANK",
            "code": "090380",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "CONSUMER MICROFINANCE BANK",
            "code": "090130",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "CONTEC GLOBAL INFOTECH LIMITED(NOWNOW)",
            "code": "100032",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "CORESTEP MICROFINANCE BANK",
            "code": "090365",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "Coronation Bank",
            "code": "559",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "COVENANT MFB",
            "code": "949",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "CREDIT AFRIQUE MICROFINANCE BANK",
            "code": "090159",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "DAVODANI  MICROFINANCE BANK",
            "code": "090391",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "DAYLIGHT MICROFINANCE BANK",
            "code": "090167",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "Diamond bank",
            "code": "063",
            "ussdTemplate": "*710*777*AccountNumber*Amount#",
            "baseUssdCode": "*710#",
            "transferUssdTemplate": "*710*AccountNumber#"
        },
        {
            "name": "E-BARCS MICROFINANCE BANK",
            "code": "090156",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "EAGLE FLIGHT MICROFINANCE BANK",
            "code": "090294",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "EARTHOLEUM",
            "code": "935",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "Ecobank Nigeria Plc",
            "code": "050",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "ECOBANK XPRESS ACCOUNT",
            "code": "922",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "ECOMOBILE",
            "code": "307",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "EK-RELIABLE MICROFINANCE BANK",
            "code": "090389",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "EKONDO MICROFINANCE BANK",
            "code": "090097",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "EMERALD MICROFINANCE BANK",
            "code": "090273",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "EMPIRE TRUST MICROFINANCE BANK",
            "code": "913",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "ENTERPRISE BANK",
            "code": "084",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "ESO-E MICROFINANCE BANK",
            "code": "090166",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "eTRANZACT",
            "code": "920",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "EVANGEL MICROFINANCE BANK ",
            "code": "090304",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "EVERGREEN MICROFINANCE BANK",
            "code": "090332",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "Eyowo",
            "code": "50126",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "FAST MICROFINANCE BANK",
            "code": "090179",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "FBNQUEST MERCHANT BANK",
            "code": "911",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "FCMB MOBILE",
            "code": "100031",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "FCT MICROFINANCE BANK",
            "code": "090290",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "FEDPOLY NASARAWA MICROFINANCE BANK",
            "code": "090298",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "FETS",
            "code": "915",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "FFS MICROFINANCE BANK",
            "code": "090153",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "Fidelity bank",
            "code": "070",
            "ussdTemplate": "*770*AccountNumber*Amount#",
            "baseUssdCode": "*770#",
            "transferUssdTemplate": "*770*AccountNumber#"
        },
        {
            "name": "FIDELITY MOBILE",
            "code": "933",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "FIDFUND MICROFINANCE Bank",
            "code": "090126",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "FINATRUST MICROFINANCE BANK",
            "code": "090111",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "FINCA MICROFINANCE BANK",
            "code": "090400",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "FIRMUS MICROFINANCE BANK",
            "code": "090366",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "First bank",
            "code": "011",
            "ussdTemplate": "*894*Amount*AccountNumber#",
            "baseUssdCode": "*894#",
            "transferUssdTemplate": "*894*AccountNumber#"
        },
        {
            "name": "First City Monument Bank Plc",
            "code": "214",
            "ussdTemplate": "*329*Amount*AccountNumber#",
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "FIRST GENERATION MORTGAGE BANK",
            "code": "070014",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "FIRST OPTION MICROFINANCE BANK",
            "code": "090285",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "FIRST TRUST MORTGAGE BANK PLC",
            "code": "910",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "FIRSTMONIE WALLET",
            "code": "928",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "FLUTTERWAVE TECHNOLOGY SOLUTIONS LIMITED",
            "code": "110002",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "FORTIS MICROFINANCE BANK",
            "code": "948",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "FORTIS MOBILE",
            "code": "930",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "FSDH",
            "code": "400001",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "FULLRANGE MICROFINANCE BANK",
            "code": "090145",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "FUTO MICROFINANCE BANK",
            "code": "090158",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "GATEWAY MORTGAGE BANK",
            "code": "070009",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "Globus Bank",
            "code": "00103",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "GLORY MICROFINANCE BANK",
            "code": "090278",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "GOWANS MICROFINANCE BANK",
            "code": "090122",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "GREENBANK MICROFINANCE BANK",
            "code": "090178",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "GROOMING MICROFINANCE BANK",
            "code": "090195",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "GT MOBILE",
            "code": "923",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "GTBank",
            "code": "058",
            "ussdTemplate": "*737*2*Amount*AccountNumber#",
            "baseUssdCode": "*737#",
            "transferUssdTemplate": "*737*AccountNumber#"
        },
        {
            "name": "GTI MICROFINANCE BANK",
            "code": "090385",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "Hackman Microfinance Bank",
            "code": "51251",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "HAGGAI MORTGAGE BANK LIMITED",
            "code": "070017",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "Hasal Microfinance Bank",
            "code": "50383",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "HEADWAY MICROFINANCE BANK",
            "code": "090363",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "HEDONMARK",
            "code": "931",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "Heritage bank",
            "code": "030",
            "ussdTemplate": "*322*030*AccountNumber*Amount#",
            "baseUssdCode": "*322#",
            "transferUssdTemplate": "*322*AccountNumber#"
        },
        {
            "name": "Ibile Microfinance Bank",
            "code": "51244",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "IKENNE MICROFINANCE BANK",
            "code": "090324",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "IKIRE MICROFINANCE BANK",
            "code": "090275",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "IKIRE MICROFINANCE BANK",
            "code": "090279",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "ILISAN MICROFINANCE BANK",
            "code": "090370",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "IMO STATE MICROFINANCE BANK",
            "code": "090258",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "IMPERIAL HOMES MORTGAGE BANK",
            "code": "938",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "Infinity MFB",
            "code": "50457",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "INFINITY TRUST MORTGAGE BANK",
            "code": "070016",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "INNOVECTIVES KESH",
            "code": "100029",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "INTELLFIN",
            "code": "941",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "INTERLAND MICROFINANCE BANK",
            "code": "090386",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "IRL MICROFINANCE BANK",
            "code": "090149",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "ISALEOYO MICROFINANCE BANK",
            "code": "090377",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "JAIZ BANK",
            "code": "301",
            "ussdTemplate": "*389*301*AccountNumber*Amount#",
            "baseUssdCode": "*389#",
            "transferUssdTemplate": "*389*AccountNumber#"
        },
        {
            "name": "JUBILEE LIFE",
            "code": "906",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "Keystone bank",
            "code": "082",
            "ussdTemplate": "*7111*Amount*AccountNumber#",
            "baseUssdCode": "*7111#",
            "transferUssdTemplate": "*7111*AccountNumber#"
        },
        {
            "name": "KONTAGORA MICROFINANCE BANK",
            "code": "090299",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "Kuda Microfinance Bank",
            "code": "50211",
            "ussdTemplate": null,
            "baseUssdCode": "*5573#",
            "transferUssdTemplate": "*5573*AccountNumber#"
        },
        {
            "name": "LAGOS BUILDING AND INVESTMENT COMPANY",
            "code": "070012",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "Lagos Building Investment Company Plc.",
            "code": "90052",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "LAPO MICROFINANCE BANK",
            "code": "090177",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "LAVENDER MICROFINANCE BANK",
            "code": "090271",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "LEGEND MICROFINANCE BANK",
            "code": "090372",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "MAINSTREET MICROFINANCE BANK",
            "code": "090171",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "MANNY MICROFINANCE BANK",
            "code": "090383",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "MAYFAIR MICROFINANCE BANK",
            "code": "090321",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "MAYFRESH MORTGAGE BANK",
            "code": "070019",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "MEGAPRAISE MICROFINANCE BANK",
            "code": "090280",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "MICROCRED MICROFINANCE BANK",
            "code": "090136",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "MICROVIS MICROFINANCE BANK ",
            "code": "090113",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "MINT-FINEX MFB",
            "code": "090281",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "MOLUSI MICROFINANCE BANK",
            "code": "090362",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "MONEY BOX",
            "code": "934",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "MONEY TRUST MICROFINANCE BANK",
            "code": "963",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "MOZFIN MICROFINANCE BANK",
            "code": "090392",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "MUTUAL TRUST MICROFINANCE BANK",
            "code": "090151",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "NDIORAH MICROFINANCE BANK",
            "code": "090128",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "NEPTUNE MICROFINANCE BANK",
            "code": "090329",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "NEW DAWN MICROFINANCE BANK",
            "code": "090205",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "NEW GOLDEN PASTURES MICROFINANCE BANK",
            "code": "090378",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "NIGERIAN NAVY MICROFINANCE BANK ",
            "code": "090263",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "NIRSAL NATIONAL MICROFINANCE BANK",
            "code": "090194",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "NNEW WOMEN MICROFINANCE BANK",
            "code": "090283",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "NOVA MERCHANT BANK",
            "code": "637",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "NPF MICROFINANCE BANK",
            "code": "947",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "NUTURE MICROFINANCE BANK",
            "code": "090364",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "NWANNEGADI MICROFINANCE BANK",
            "code": "090399",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "OCHE MICROFINANCE BANK",
            "code": "090333",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "OHAFIA MICROFINANCE BANK",
            "code": "090119",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "OKPOGA MICROFINANCE BANK",
            "code": "090161",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "OLABISI ONABANJO UNIVERSITY MICROFINANCE ",
            "code": "090272",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "OMIYE MICROFINANCE BANK",
            "code": "090295",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "OMOLUABI",
            "code": "950",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "ONE FINANCE",
            "code": "940",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "OPAY",
            "code": "304",
            "ussdTemplate": null,
            "baseUssdCode": "",
            "transferUssdTemplate": null
        },
        {
            "name": "OPAY 2",
            "code": "305",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "PAGA",
            "code": "100002",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "PAGE MFBank",
            "code": "951",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "PALMPAY",
            "code": "100033",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "PARALLEX",
            "code": "907",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "PARKWAY-READYCASH",
            "code": "917",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "PATRICKGOLD MICROFINANCE BANK",
            "code": "090317",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "PAYATTITUDE ONLINE",
            "code": "943",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "PAYSTACK PAYMENTS LIMITED",
            "code": "110006",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "PECANTRUST MICROFINANCE BANK",
            "code": "090137",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "PENNYWISE MICROFINANCE BANK ",
            "code": "090196",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "PERSONAL TRUST MICROFINANCE BANK",
            "code": "090135",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "Petra Mircofinance Bank Plc",
            "code": "50746",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "PILLAR MICROFINANCE BANK",
            "code": "090289",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "PLATINUM MORTGAGE BANK",
            "code": "070013",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "Polaris Bank",
            "code": "076",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "POLYUNWANA MICROFINANCE BANK",
            "code": "090296",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "PRESTIGE MICROFINANCE BANK",
            "code": "090274",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "Providus Bank",
            "code": "101",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "PURPLEMONEY MICROFINANCE BANK",
            "code": "090303",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "QUICKFUND MICROFINANCE BANK",
            "code": "090261",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "RAND MERCHANT BANK",
            "code": "502",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "REFUGE MORTGAGE BANK",
            "code": "070011",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "REGENT MICROFINANCE BANK",
            "code": "955",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "RENMONEY MICROFINANCE BANK ",
            "code": "090198",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "REPHIDIM MICROFINANCE BANK",
            "code": "090322",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "RICHWAY MICROFINANCE BANK",
            "code": "090132",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "Rolez Microfinance Bank",
            "code": "50515",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "ROYAL EXCHANGE MICROFINANCE BANK",
            "code": "090138",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "Rubies Micro-finance Bank",
            "code": "125",
            "ussdTemplate": "090175",
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "RUBIES MICROFINANCE BANK",
            "code": "090175",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "SAFE HAVEN MICROFINANCE BANK",
            "code": "090286",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "SAFETRUST",
            "code": "909",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "SAGAMU MICROFINANCE BANK",
            "code": "966",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "SEED CAPITAL MICROFINANCE BANK",
            "code": "609",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "SEEDVEST MICROFINANCE BANK",
            "code": "090369",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "Sparkle Microfinance Bank",
            "code": "51310",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "STANBIC IBTC @Ease WALLET",
            "code": "921",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "Stanbic IBTC Bank Ltd.",
            "code": "221",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "Standard Chartered Bank Nigeria Ltd.",
            "code": "068",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "STELLAS MICROFINANCE BANK ",
            "code": "090262",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "Sterling bank",
            "code": "232",
            "ussdTemplate": "*822*5*Amount*AccountNumber#",
            "baseUssdCode": "*822#",
            "transferUssdTemplate": "*822*AccountNumber#"
        },
        {
            "name": "STERLING MOBILE",
            "code": "936",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "SULSPAP MICROFINANCE BANK",
            "code": "090305",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "Suntrust Bank Nigeria Limited",
            "code": "100",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "TAGPAY",
            "code": "937",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "Taj Bank",
            "code": "302",
            "ussdTemplate": null,
            "baseUssdCode": "*898#",
            "transferUssdTemplate": "*898*AccountNumber#"
        },
        {
            "name": "TCF MFB",
            "code": "51211",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "TEASY MOBILE",
            "code": "924",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "THINK FINANCE MICROFINANCE BANK",
            "code": "090373",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "Titan Bank",
            "code": "102",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "TRIDENT MICROFINANCE BANK",
            "code": "090146",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "TRUST MICROFINANCE BANK",
            "code": "090327",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "TRUSTBANC J6 MICROFINANCE BANK LIMITED",
            "code": "090123",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "TRUSTFUND MICROFINANCE BANK ",
            "code": "090276",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "U & C MICROFINANCE BANK",
            "code": "090315",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "UNAAB MICROFINANCE BANK",
            "code": "090331",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "Unical Microfinance Bank",
            "code": "50871",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "Union bank",
            "code": "032",
            "ussdTemplate": "*826*2*Amount*AccountNumber#",
            "baseUssdCode": "*826#",
            "transferUssdTemplate": "*826*AccountNumber#"
        },
        {
            "name": "United Bank For Africa Plc",
            "code": "033",
            "ussdTemplate": "*919*4*AccountNumber*Amount#",
            "baseUssdCode": "*919#",
            "transferUssdTemplate": "*919*AccountNumber#"
        },
        {
            "name": "Unity Bank Plc",
            "code": "215",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "UNIVERSITY OF NIGERIA, NSUKKA MICROFINANCE BANK",
            "code": "090251",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "VENTURE GARDEN NIGERIA LIMITED",
            "code": "110009",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "VFD microfinance bank",
            "code": "566",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "VIRTUE MICROFINANCE BANK",
            "code": "090150",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "VISA MICROFINANCE BANK",
            "code": "090139",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "VT NETWORKS",
            "code": "926",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "Wema bank",
            "code": "035",
            "ussdTemplate": "*945*AccountNumber*Amount#",
            "baseUssdCode": "*945#",
            "transferUssdTemplate": "*945*AccountNumber#"
        },
        {
            "name": "WETLAND  MICROFINANCE BANK",
            "code": "954",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "XSLNCE MICROFINANCE BANK",
            "code": "090124",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "YES MICROFINANCE BANK",
            "code": "090142",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "YOBE MICROFINANCE  BANK",
            "code": "090252",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "Zenith bank",
            "code": "057",
            "ussdTemplate": "*966*Amount*AccountNumber#",
            "baseUssdCode": "*966#",
            "transferUssdTemplate": "*966*AccountNumber#"
        },
        {
            "name": "ZENITH MOBILE",
            "code": "932",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "ZINTERNET - KONGAPAY",
            "code": "939",
            "ussdTemplate": null,
            "baseUssdCode": null,
            "transferUssdTemplate": null
        }
    ]
}

Get Banks With USSD Short Code

This endpoint returns the list of all supported banks with their valid USSD short code.
GET
{{base_url}}/api/v1/sdk/transactions/banks

Headers

Authorization
bearer
Authorize this API call by generating a token here , include the Token in the request header.

Body Params

REQUEST
Copy button
curl -H "Accept: application/json" 
{{base_url}}/api/v1/sdk/transactions/banks
RESPONSE
Copy button
{
    "requestSuccessful": true,
    "responseMessage": "success",
    "responseCode": "0",
    "responseBody": [
        {
            "name": "Access bank",
            "code": "044",
            "ussdTemplate": "*901*Amount*AccountNumber#",
            "baseUssdCode": "*901#",
            "transferUssdTemplate": "*901*AccountNumber#"
        },
        {
            "name": "Diamond bank",
            "code": "063",
            "ussdTemplate": "*710*777*AccountNumber*Amount#",
            "baseUssdCode": "*710#",
            "transferUssdTemplate": "*710*AccountNumber#"
        },
        {
            "name": "Fidelity bank",
            "code": "070",
            "ussdTemplate": "*770*AccountNumber*Amount#",
            "baseUssdCode": "*770#",
            "transferUssdTemplate": "*770*AccountNumber#"
        },
        {
            "name": "First bank",
            "code": "011",
            "ussdTemplate": "*894*Amount*AccountNumber#",
            "baseUssdCode": "*894#",
            "transferUssdTemplate": "*894*AccountNumber#"
        },
        {
            "name": "First City Monument Bank Plc",
            "code": "214",
            "ussdTemplate": "*329*Amount*AccountNumber#",
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "GTBank",
            "code": "058",
            "ussdTemplate": "*737*2*Amount*AccountNumber#",
            "baseUssdCode": "*737#",
            "transferUssdTemplate": "*737*AccountNumber#"
        },
        {
            "name": "Heritage bank",
            "code": "030",
            "ussdTemplate": "*322*030*AccountNumber*Amount#",
            "baseUssdCode": "*322#",
            "transferUssdTemplate": "*322*AccountNumber#"
        },
        {
            "name": "JAIZ BANK",
            "code": "301",
            "ussdTemplate": "*389*301*AccountNumber*Amount#",
            "baseUssdCode": "*389#",
            "transferUssdTemplate": "*389*AccountNumber#"
        },
        {
            "name": "Keystone bank",
            "code": "082",
            "ussdTemplate": "*7111*Amount*AccountNumber#",
            "baseUssdCode": "*7111#",
            "transferUssdTemplate": "*7111*AccountNumber#"
        },
        {
            "name": "Rubies Micro-finance Bank",
            "code": "125",
            "ussdTemplate": "090175",
            "baseUssdCode": null,
            "transferUssdTemplate": null
        },
        {
            "name": "Sterling bank",
            "code": "232",
            "ussdTemplate": "*822*5*Amount*AccountNumber#",
            "baseUssdCode": "*822#",
            "transferUssdTemplate": "*822*AccountNumber#"
        },
        {
            "name": "Union bank",
            "code": "032",
            "ussdTemplate": "*826*2*Amount*AccountNumber#",
            "baseUssdCode": "*826#",
            "transferUssdTemplate": "*826*AccountNumber#"
        },
        {
            "name": "United Bank For Africa Plc",
            "code": "033",
            "ussdTemplate": "*919*4*AccountNumber*Amount#",
            "baseUssdCode": "*919#",
            "transferUssdTemplate": "*919*AccountNumber#"
        },
        {
            "name": "Wema bank",
            "code": "035",
            "ussdTemplate": "*945*AccountNumber*Amount#",
            "baseUssdCode": "*945#",
            "transferUssdTemplate": "*945*AccountNumber#"
        },
        {
            "name": "Zenith bank",
            "code": "057",
            "ussdTemplate": "*966*Amount*AccountNumber#",
            "baseUssdCode": "*966#",
            "transferUssdTemplate": "*966*AccountNumber#"
        }
    ]
}

PayCode APIs

Create Paycode

The endpoint allows merchant create paycodes via API
POST
{{base_url}}/api/v1/paycode

Headers

Authorization
bearer
Authorize this API call by generating a token here , include the Token in the request header.

Body Params

beneficiaryName
String

The customer's name
amount
Float

The amount to be withdrawn
paycodeReference
String

A unique reference generated by the merchant
expiryDate
String

The expiry date for the paycode. The format is:YYYY-MM-DD HH:MM:SS
clientId
String

The merchant's APIKey
REQUEST
Copy button
{
    "beneficiaryName": "Marvelous Benji",
    "amount": 50,
    "paycodeReference": "ghehdekdkefkefjekjfejj",
    "expiryDate": "2023-02-19 11:00:26",
    "clientId":"MK_PROD_WTZLS10MX6"
}
RESPONSE
Copy button
{
    "responseMessage": "success",
    "responseCode": "M00",
    "responseBody": {
        "paycode": "11467409",
        "transactionReference": "MFY-39A78F78E6C341759ACA344297A8CF70",
        "paycodeReference": "ghehdekdkefkefjekjfejj",
        "beneficiaryName": "Marvelous Benji",
        "amount": 50,
        "fee": 100,
        "transactionStatus": "PENDING",
        "expiryDate": "2023-02-19 11:00:26",
        "createdOn": "2023-02-16T12:32:01.591+0000",
        "createdBy": "MK_PROD_WTZLS10MX6",
        "modifiedBy": "MK_PROD_WTZLS10MX6"
    }
}

Get Paycode

This endpoint returns paycode information for a given paycode reference
GET
{{base_url}}/api/v1/paycode/{{paycodeReference}}

Headers

Authorization
bearer
Authorize this API call by generating a token here , include the Token in the request header.

Body Params

paycodeReference
String

The unique reference for the paycode
REQUEST
Copy button
curl -H "Accept: application/json" 
https://api.monnify.com/api/v1/paycode/ghehdekdkefkefjekjfejj
RESPONSE
Copy button
{
    "responseMessage": "success",
    "responseCode": "M00",
    "responseBody": {
        "paycode": "******09",
        "transactionReference": "MFY-39A78F78E6C341759ACA344297A8CF70",
        "paycodeReference": "ghehdekdkefkefjekjfejj",
        "beneficiaryName": "Marvelous Benji",
        "amount": 50,
        "fee": 100,
        "transactionStatus": "PENDING",
        "expiryDate": "2023-02-19 11:00:26",
        "createdOn": "2023-02-16T12:32:02.000+0000",
        "createdBy": "MK_PROD_WTZLS10MX6",
        "modifiedBy": "MK_PROD_WTZLS10MX6"
    }
}

Get Clear Paycode

This endpoint is necessary when the you want the paycode information returned unmasked
GET
{{base_url}}/api/v1/paycode/{{paycodeReference}}/authorize

Headers

Authorization
bearer
Authorize this API call by generating a token here , include the Token in the request header.

Body Params

paycodeReference
String

The unique reference for the paycode
REQUEST
Copy button
curl -H "Accept: application/json" 
https://api.monnify.com/api/v1/paycode/ghehdekdkefkefjekjfejj/authorize
RESPONSE
Copy button
{
    "responseMessage": "success",
    "responseCode": "M00",
    "responseBody": {
        "paycode": "11467409",
        "transactionReference": "MFY-39A78F78E6C341759ACA344297A8CF70",
        "paycodeReference": "ghehdekdkefkefjekjfejj",
        "beneficiaryName": "Marvelous Benji",
        "amount": 50,
        "fee": 100,
        "transactionStatus": "EXPIRED",
        "expiryDate": "2023-02-19 11:00:26",
        "createdOn": "2023-02-16T12:32:02.000+0000",
        "createdBy": "MK_PROD_WTZLS10MX6",
        "modifiedBy": "SYSTEM"
    }
}

Fetch Paycodes

This endpoint returns a history of generated Paycodes over a period of time using some search criteria.
GET
{{base_url}}/api/v1/paycode

Headers

Authorization
bearer
Authorize this API call by generating a token here , include the Token in the request header.

Body Params

transactionReference
String

The Monnify transactionReference
beneficiaryName
String

The customer name
transactionStatus
String

The status of the paycode
from
Integer

A unix timestamp for the start date being considered
to
Integer

A unix timestamp for the end date being considered
REQUEST
Copy button
curl -H "Accept: application/json" 
https://api.monnify.com/api/v1/paycode?transactionReference=&beneficiaryName=Marvelous Benji&transactionStatus=EXPIRED&from=1676131853000&to=1676823053000
RESPONSE
Copy button
{
    "responseMessage": "success",
    "responseCode": "M00",
    "responseBody": {
        "content": [
            {
                "paycode": "******09",
                "transactionReference": "MFY-39A78F78E6C341759ACA344297A8CF70",
                "paycodeReference": "ghehdekdkefkefjekjfejj",
                "beneficiaryName": "Marvelous Benji",
                "amount": 50,
                "fee": 100,
                "transactionStatus": "EXPIRED",
                "expiryDate": "2023-02-19 11:00:26",
                "createdOn": "2023-02-16T12:32:02.000+0000",
                "createdBy": "MK_PROD_WTZLS10MX6",
                "modifiedBy": "SYSTEM"
            }
        ],
        "pageable": {
            "sort": {
                "sorted": true,
                "unsorted": false,
                "empty": false
            },
            "pageSize": 50,
            "pageNumber": 0,
            "offset": 0,
            "unpaged": false,
            "paged": true
        },
        "last": true,
        "totalPages": 1,
        "totalElements": 1,
        "sort": {
            "sorted": true,
            "unsorted": false,
            "empty": false
        },
        "first": true,
        "numberOfElements": 1,
        "size": 50,
        "number": 0,
        "empty": false
    }
}

Delete Paycode

This endpoint cancels or invalidates a generated Paycode.
DELETE
{{base_url}}/api/v1/paycode/{{paycodeReference}}

Headers

Authorization
bearer
Authorize this API call by generating a token here , include the Token in the request header.

Body Params

paycodeReference
String

The unique reference for the paycode
REQUEST
Copy button
curl --header "Content-Type: application/json" 
 --request POST 
 --data '{}' 
 https://api.monnify.com/api/v1/paycode/ur74904jhke993u93o
RESPONSE
Copy button
{
    "responseMessage": "success",
    "responseCode": "M00",
    "responseBody": {
        "paycode": "******22",
        "transactionReference": "MFY-1695D2BF32A34227ABDF77466D8C45A0",
        "paycodeReference": "ur74904jhke993u93o",
        "beneficiaryName": "Marvelous Benji",
        "amount": 30,
        "fee": 100,
        "transactionStatus": "CANCELLED",
        "expiryDate": "2023-02-28 11:00:26",
        "createdOn": "2023-02-19T16:05:42.000+0000",
        "cancelDate": "2023-02-20T11:28:56.365+0000",
        "createdBy": "MK_PROD_WTZLS10MX6",
        "modifiedBy": "MK_PROD_WTZLS10MX6"
    }
}
Was this page helpful? Tell us what you think..

Got Questions

Reach out to us at [email protected] if you have any questions as regards integrating with the Monnify API.

Monnify Tutorial Videos

Check out Our Youtube channel for tutorials on how to integrate the Monnify API.

Join Our Slack Community

Click here to join the Monnify Slack community.
Copyright © 2024 Monnify
Terms of Service Privacy Policy