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Niobi’s REST API gives you a single interface for collections, disbursements, and balance queries across 17+ African markets.

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Before You Begin

Two requirements must be met before any API call will succeed in either environment:
  1. Whitelist your server IP. Requests from non-whitelisted IPs are blocked before authentication is checked. See the IP Whitelisting Guide.
  2. Sign every request. Each call requires a unique HMAC signature computed from your credentials, timestamp, salt, and payload. Signatures cannot be reused. See the Authentication Guide.

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Environments

SandboxDevelopment and Testing
https://sandbox.users.niobi.co
ProductionLive Transactions
https://users.niobi.co
Both environments enforce IP whitelisting and signature validation independently. Credentials are not shared between environments.

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Endpoints

Authentication

Generate and verify the HMAC signature required on every request.

Collections

Accept payments via mobile money, bank transfer, and payment links.

Disbursements

Send payouts to mobile wallets and bank accounts across supported markets.

Account Balance

Retrieve live wallet balances across all currencies in your account.
New to the API?Follow the Quickstart to make your first authenticated request.
Start Quickstart