One-Time Payments
One-time payments are single, non-recurring transactions where a customer pays for a product or service. Monnify gives you several ways to collect these payments, from a fully hosted checkout your customers complete in seconds to a raw API you build your own UI on top of.
Not sure which to use?
Start with the Checkout Page (JS SDK / mobile SDK) for the fastest integration. Use the Checkout API or Invoice if you need a redirect flow, a custom payment UI, or time-bound virtual accounts. Use Payment Links if you want to collect payments without writing any code.
Integration Options
Checkout Page
Embed a Monnify-hosted payment modal in your website or mobile app using the JS, Android, Flutter, or iOS SDK. Customers pay without leaving your platform.
Checkout API
Initialize a transaction via the API and redirect customers to the Monnify-hosted checkout URL, or build your own payment UI using the raw bank transfer and card charge endpoints.
Payment Links
Generate a shareable payment link from your Monnify dashboard. No code required. Send the link or QR code by email, WhatsApp, or SMS.
Invoice
Generate invoices via API that give customers a virtual account number and a checkout URL for payment. Supports static and dynamic invoices.
Offline Pay-ins
Accept cash payments from customers through Moniepoint POS Agents. Merchants create offline products and get notified when a customer pays at any agent.
WordPress / WooCommerce Plugin
Sell on WordPress? Install the official Monnify WooCommerce plugin to accept card and bank transfer payments directly from your WooCommerce store. No custom code required.
Quick Comparison
| Method | Code required | Hosted by | Best for |
|---|---|---|---|
| Checkout Page (SDK) | Yes (SDK integration) | Monnify (modal) | Web and mobile apps needing a seamless in-app experience |
| Checkout API | Yes (server-side API) | Monnify (redirect) or you | Custom UI or redirect-based payment flows |
| Payment Links | No | Monnify | Freelancers, social commerce, quick collection without a website |
| Invoice | Yes (server-side API) | Monnify | Static invoices for repeat or recurring customers; dynamic invoices for one-time collections with a custom expiry date |
| Offline Pay-ins | Yes (payer verification endpoint required) | Moniepoint Agent | Merchants collecting cash from customers with limited access to digital payments, leveraging Moniepoint's nationwide agent network |
| WordPress / WooCommerce Plugin | No (plugin install only) | Monnify (via plugin) | WordPress merchants who want to accept payments on WooCommerce without writing code |
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Reach out to us at [email protected] if you have any questions as regards integrating with the Monnify API.
Monnify Tutorial Videos
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