Monnify, operated by Moniepoint, is one of Nigeria's most reliable payment infrastructure providers. Integrating it into your app gives your customers seamless bank transfer and card payment options.

Why Choose Monnify

Monnify offers dedicated virtual accounts per customer, static virtual accounts for recurring payments, and excellent uptime. For Nigerian businesses, it's a top-tier choice.

Setting Up Your Monnify Account

Sign up at the Monnify developer portal, complete KYC, and get your API keys. You'll need your Contract Code and API Secret Key for integration.

Making Your First API Call

Authenticate using your API key to get a bearer token. Then use the /api/v1/bank-transfer/reserved-accounts endpoint to create a dedicated virtual account for each user.

Handling Webhooks

Monnify sends payment notifications to your webhook URL. Verify the hash signature, update your database, and trigger your fulfillment logic — all within milliseconds.

Going Live

Switch from the sandbox to production environment by updating your base URL and API keys. Conduct a final test transaction before announcing to customers.

Conclusion

Monnify integration is straightforward when you follow the right steps. Pax26 itself uses Monnify to power wallet top-ups — proof of its reliability at scale.