# Monnify Documentation

> Monnify is a payment gateway for businesses to accept payments from customers, either on a recurring or one-time basis. Monnify offers an easier, faster and cheaper way for businesses to get paid on their web and mobile applications using convenient payment methods for customers with the highest success rates obtainable in Nigeria.

- [Building a Wallet Service with Monnify](https://developers.monnify.com/blog/building-a-wallet-service-with-monnify): This article guides on how to leverage Monnify's Nodejs library to interact with the Monnify Reserved Account API.
- [Monnify Disbursement Changes: Account Name Mandatory](https://developers.monnify.com/blog/changes-to-monnify-disbursement): This article guides merchants using Monnify disbursment Api to add destinationAccountName to their request body
- [Implementing Card Payments with Monnify: A Practical Guide (Checkout SDK and Direct Charge + OTP / 3DS)](https://developers.monnify.com/blog/implementing-card-payments-with-monnify): In this article, we’ll walk through both approaches. You’ll learn when to use Monnify’s Checkout SDK, when a direct card charge integration makes sense, and how to correctly handle OTP and 3-D Secure authorization without breaking the user experience.
- [Using The Monnify Nodejs Lib For Reserved Account Management](https://developers.monnify.com/blog/implementing-monnify-reserve-Account-in-nodejs): This article guides on how to leverage Monnify's Nodejs library to interact with the Monnify Reserved Account API.
- [Integrating One-time Payment Checkout into Your Web Project](https://developers.monnify.com/blog/integrating-monnify-checkout-into-your-project): This article provides a comprehensive guide on integrating Monnify's one-time payment checkout into web projects using the Monnify JavaScript SDK. The article covers prerequisites, technical details, and a practical example of an e-commerce application called Monnie Market, showcasing the seamless payment process and user experience.
- [Quick guide to integrating monnify into Zoho Book](https://developers.monnify.com/blog/integrating-monnify-into-zoho-books): This article provides a comprehensive guide on integrating Monnify with Zoho Books for seamless payment processing
- [Monnify Developers blog](https://developers.monnify.com/blog): Articles on intergrating Monnify, updates, and educational resources to help developers maximize their use of the platform.
- [Testing Pay with Transfer on Monnify Sandbox](https://developers.monnify.com/blog/testing-pay-with-transfer-on-monnify-sandbox): Learn how to test Pay with Transfer on Monnify's sandbox using the One-Time Payment SDK, the Initialize Transaction API, or a custom account display, with the Monnify Bank Simulator.
- [Bills Payments](https://developers.monnify.com/docs/bills-payment): Learn how to receive payments from your customers using the Monnify APIs, List of Pricing / Fees - Local Card Payments, Transfers (Dynamic), Transfers (Customer Reserved Account), USSD, Phone, Bank, Offline Collections
- [Process a bill](https://developers.monnify.com/docs/bills-payment/process-a-bill): You can accept cash payments from your customers offline through Moniepoint Agents. Moniepoint is an agency banking platform with a wide reach, having agents in every local government in Nigeria.
- [Process a bill](https://developers.monnify.com/docs/bills-payment/settlement-process): You can accept cash payments from your customers offline through Moniepoint Agents. Moniepoint is an agency banking platform with a wide reach, having agents in every local government in Nigeria.
- [International Payment](https://developers.monnify.com/docs/collections/international-payment): Monnify allows you to receive international payments from your customers. You can receive payments from customers in over 150 countries across the world.
- [Reconciliation](https://developers.monnify.com/docs/collections/manage-payments/reconciliation): Build a reconciliation workflow using Monnify transaction query APIs and settlement data to keep your internal records in sync.
- [Transaction Refunds](https://developers.monnify.com/docs/collections/manage-payments/refunds): This feature allows you to return a payment to a customer. An example of a transaction refund scenario is when an e-commerce customer picks five items and makes a payment for the five of them. On arrival of the products, the customer could decide to only keep three of the items and return the rest. Upon return, the customer would have to be refunded for the two returned products by the merchant. See Transaction Refund API for more information on implementing it on your platform.
- [Transaction Splitting / Sub Accounts](https://developers.monnify.com/docs/collections/manage-payments/transaction-splitting): Transaction splitting is a feature on Monnify that allows you to create subaccounts so payments could be split across different accounts. This simply means that for a single transaction, Monnify can help you share the amount paid between up to five different accounts.
- [Verify Transactions](https://developers.monnify.com/docs/collections/manage-payments/verify-transactions): Always verify payment status server-side before delivering value. Learn how to use the Monnify transaction verification API and what each response field means.
- [Checkout API](https://developers.monnify.com/docs/collections/one-time-payments/checkout-api): Use the Monnify Checkout API to accept payments without an SDK. Initialize a transaction, redirect customers to the hosted checkout URL, or build your own payment UI using the raw bank transfer and card charge endpoints.
- [Checkout Page](https://developers.monnify.com/docs/collections/one-time-payments/checkout-page): Integrate the Monnify Checkout Page into your website or mobile app using the JS, Android, Flutter, or iOS SDK. Customers pay via bank transfer, card, USSD, or phone number, all inside a Monnify-hosted modal.
- [Invoice](https://developers.monnify.com/docs/collections/one-time-payments/invoice): Monnify Invoicing allows you to generate invoices for your customers using our Create Invoice API. Each invoice can either be static or dynamic, depending on your business needs.
- [Offline Pay-ins](https://developers.monnify.com/docs/collections/one-time-payments/offline-payins): You can accept cash payments from your customers offline through Moniepoint Agents. Moniepoint is an agency banking platform with a wide reach, having agents in every local government in Nigeria.
- [One-Time Payments](https://developers.monnify.com/docs/collections/one-time-payments): Accept one-time payments on Monnify via the checkout page, checkout API, payment links, invoices, or offline pay-ins. Choose the integration style that fits your product.
- [Payment Links](https://developers.monnify.com/docs/collections/one-time-payments/payment-links): Payment link is designed to simplify the way individuals and businesses receive payments. With Payment links, you can create a straightforward, personalised link that allows you to collect payments without the need for a website, coding knowledge, or complex integrations. This solution is perfect for a wide range of users, from event organisers and solopreneurs to SMEs and digital creators, looking to streamline their payment processes.
- [Accept Payments](https://developers.monnify.com/docs/collections): Learn how to receive payments from your customers using the Monnify APIs, List of Pricing / Fees - Local Card Payments, Transfers (Dynamic), Transfers (Customer Reserved Account), USSD, Phone, Bank, Offline Collections
- [Payment Methods](https://developers.monnify.com/docs/collections/payment-methods): Overview of all payment methods supported by Monnify: bank transfer, debit card, USSD, phone number, direct debit, and customer reserved accounts.
- [Quickstart – Accept Payments](https://developers.monnify.com/docs/collections/quickstart): Get your first Monnify payment integration live in minutes. Choose between the Checkout SDK (no server authentication needed) or the full API flow.
- [Card Tokenization](https://developers.monnify.com/docs/collections/recurring-payments/card-tokenization): Tokenize a customer's card during their first payment and use the token to charge them in future without requiring card details again.
- [Direct Debits](https://developers.monnify.com/docs/collections/recurring-payments/direct-debit): Monnify Account Direct Debit is a simple, secure and convenient ‘pull’ payment method that allows merchants to automatically collect recurring payments from a payer directly from their Account.
- [Recurring Payments](https://developers.monnify.com/docs/collections/recurring-payments): Set up recurring payments on Monnify using reserved accounts, direct debit mandates, or card tokenization. Automate collections for subscriptions, loan repayments, and wallet top-ups.
- [Customer Reserved Account](https://developers.monnify.com/docs/collections/recurring-payments/reserved-accounts): Customer Reserved Account - Monnify allows merchants to receive customer payments via bank transfers, debit cards, USSD, and through the use of phone numbers. Every time a transaction is initiated, the Monnify SDK displays a distinct account number, which customers can pay into by using any of the available Monnify payment methods.
- [Retry & Failure Handling](https://developers.monnify.com/docs/collections/recurring-payments/retry-failure-handling): Build robust retry flows for failed recurring payments. Detect failures by verifying transaction status, notify customers, and implement retry logic to recover revenue.
- [Bulk Transfers](https://developers.monnify.com/docs/disbursements/bulk-transfers): With the Monnify Transfer API, you can pay multiple recipients at once with the Monnify bulk transfer feature.
- [Offline Pay-outs (Paycode)](https://developers.monnify.com/docs/disbursements/offline-payout): A paycode is a short form for a payment code. It is a 10-digit number generated by merchants for their customers to take to a Moniepoint Agent to withdraw cash.
- [Transfer/Payout](https://developers.monnify.com/docs/disbursements): Send Money to Nigerian Bank Accounts with Monnify. Learn how to make transfers with Monnify.
- [Single Transfers](https://developers.monnify.com/docs/disbursements/single-transfers): With the Monnify Transfer API, you can send money to bank accounts and money wallets.
- [MCP Server](https://developers.monnify.com/docs/integration/mcp-server): Give your AI assistant the ability to accept payments, verify identities, manage virtual accounts, and query transactions through the Monnify MCP server. No custom integration code required.
- [Sample Codes](https://developers.monnify.com/docs/integration/sample-codes): Monnify also provides libraries and plugins to extend the functionality of your application, which are:
- [Integration Guide for Monnify BVN Verification](https://developers.monnify.com/docs/integration-guide-bvn-nin-update): The purpose of this document is to provide a comprehensive and clear set of instructions for developers or businesses integrating Monnify services in accordance with the Central Bank of Nigeria's circular on virtual accounts. This guide will specifically cover BVN verification endpoints, account creation, and updating existing accounts.
- [Integration Tools](https://developers.monnify.com/docs/integration-tools): Learn how to verify the phone numbers, bank accounts, and BVNs of your customers.
- [Libraries and Plugins](https://developers.monnify.com/docs/integration-tools/plugin-libraries): Monnify also provides libraries and plugins to extend the functionality of your application, which are:, Monnify Wordpress Plugin, Monnify Nodejs library(In Progress), Monnify Python library(In Progress), Monnify PHP library(In Progress), Monnify Java library(In Progress), Monnify Vue library(In Progress), Monnify React library(In Progress), Monnify Angular library(In Progress)
- [Sample Codes](https://developers.monnify.com/docs/integration-tools/sample-codes): Monnify also provides libraries and plugins to extend the functionality of your application, which are:
- [Monnify SDK](https://developers.monnify.com/docs/integration-tools/sdk): SDKs (Software Development Kits), This section contains sample codes, plugins and implementations of Monnify webhooks. Monnify provides merchant with already made SDKs to make integration faster and easier, some of our them includes;
- [Going Live](https://developers.monnify.com/docs/live): A checklist of everything you need to verify before going live with Monnify.
- [Settlements](https://developers.monnify.com/docs/settlements): Settlement is the process of Monnify crediting your wallet or bank account for payments received on your behalf (payments made by your customers). At settlement time, all payments received from your customers are made available to you by crediting your wallet on Monnify and optionally moving the funds to your external bank account
- [Customer Verification](https://developers.monnify.com/docs/verification-api): Learn how to verify the phone numbers, bank accounts, and BVNs of your customers.
- [Verifying your Customers](https://developers.monnify.com/docs/verification-api/verifying-your-customers): With the Monnify Verification APIs, you can confirm account details, validate BVN information, and verify NIN data before performing financial transactions.
- [Create Wallet](https://developers.monnify.com/docs/wallets/create-wallet): The Monnify Wallet Creation API facilitates the process of creating wallets for customers.
- [Get Wallets](https://developers.monnify.com/docs/wallets/get-wallets): The Monnify Wallet Creation API facilitates the process of creating wallets for customers.
- [Wallet](https://developers.monnify.com/docs/wallets): Create and manage digital wallets for operations and customer service needs
- [Wallet Balance](https://developers.monnify.com/docs/wallets/wallet-balance): The Monnify Get Customer Balance API retrieves a customer's available balance.
- [Wallet Statement](https://developers.monnify.com/docs/wallets/wallet-statement): The Monnify Wallet Statment API enable Merchants using wallets to conveniently generate a wallet statement
- [Webhooks](https://developers.monnify.com/docs/webhooks): Webhooks is an API concept that enables applications to automatically communicate with each other without constant polling. Monnify integration sends notifications to a URL on the merchants’ server when specific events such as when payments are being received or when settlements are made to your account, allowing further actions such as sending an email or providing value to the user.
- [Monnify API Reference](https://developers.monnify.com/api): Complete Monnify REST API reference with interactive testing. Covers all endpoints for collections, disbursements, wallets, customer verification, webhooks, and BVN/NIN integration.
- [Error Codes](https://developers.monnify.com/docs/error-codes): A reference list of Monnify API error codes, their meanings, and recommended resolutions to help developers quickly diagnose and fix integration issues.
- [Supported Banks](https://developers.monnify.com/docs/supported-banks): A complete list of Nigerian banks supported by Monnify for collections, transfers, and account verification, including bank names and their bank codes.
- [Webhook Event Types](https://developers.monnify.com/docs/webhooks/event-types): Reference for all Monnify webhook event types including successful transactions, settlement notifications, disbursement completions, and refund events. Covers payload structure and best practices for validating webhook notifications.