Nigeria

Supported payment methods and integration details for Nigeria

Country Details

Country ID: 17 • Country Code: 234 • Currency: NGN (Nigerian Naira)

Supported Payment Methods & Payload Requirements

Channel	Flow	`payment_method_type`	Required Payload Array / Fields	Destination / Operator	API Reference
Virtual Account (Bank Transfer)	Deposit	`”virtual_account”`	`first_name`, `last_name`, `account_name`, `bank_code` (`17001`, `17002`, `17003`)	Dynamic Virtual Account (78 Finance, Fidelity, Globus)	Collections API
Bank Transfer	Payout	`"bank"`	`bank: [{"bank_name": "...", "bank_code": "...", "branch_name": "...", "account_name": "...", "account_number": "..."}]`	Nigerian Commercial & Microfinance Banks	Payments API

Opay and PalmPay Collections:
Opay and PalmPay are not separate Niobi payment methods. Customers can fund the dynamic virtual account by transferring from their Opay or PalmPay wallet, or from any Nigerian banking app. The API call on your end is the same virtual account deposit request.

Payment Flow: How It Works

Deposits (Collections via Dynamic Virtual Accounts)

Initiation: Send a signed POST request to the Unified Collections endpoint with payment_method_type: "virtual_account" along with first_name, last_name, account_name, and bank_code.
Virtual Account Generation: Niobi returns an initial response (payment_step: 1) containing the generated account_number and bank_name.
Customer Transfer: Display the account details to the customer. The customer transfers the exact amount via their bank app, Opay, or PalmPay within 30 minutes.
Callback Confirmation: Once the funds land, Niobi delivers an asynchronous webhook callback (payment_step: 2, status: "success") to your callback_url.

Supported Virtual Account Issuing Banks (Collections)

Pass one of the following codes as bank_code in your collection request:

Issuing Bank	`bank_code`	Notes
78 Finance Company Limited	`17001`	Dynamic virtual bank account issued via 78 Finance
Fidelity Bank	`17002`	Dynamic virtual bank account issued via Fidelity Bank
Globus Bank	`17003`	Dynamic virtual bank account issued via Globus Bank

Exact Amount Required:
Ensure customers transfer the exact requested amount. Any overpayment is automatically reversed to the payer upon successful settlement.

Payouts (Bank Transfers)

Initiation: Send a signed POST request to the Unified Payments endpoint with payment_method_type: "bank".
Bank Parameters: Include a bank array containing the recipient’s bank_name, bank_code, branch_name, account_name, and account_number.
Processing: Niobi returns an initial acknowledgement (payment_step: 1).
Callback Delivery: Niobi delivers a terminal callback (payment_step: 2) to your client_callback_url once the funds have cleared the recipient’s bank.

List of Supported Nigerian Banks for Payouts

Pass one of the following codes as bank_code in the bank array when initiating a payout:

Supported Nigerian Banks

bank_name	bank_code
AL-Barakah Microfinance Bank	090133
9 Payment Service Bank	120001
AB Microfinance Bank	090270
Abbey Mortgage Bank	070010
Above Only Microfinance Bank	090260
ABU Microfinance Bank	090197
Access Bank Nigeria	044
Access Bank Plc (Diamond)	063
ACCESS MOBILE	323
Access Money	927
Access Yello & Beta	100052
Accion Microfinance Bank	090134
Addosser Microfinance Bank	090160
Adeyemi College Staff Microfinance Bank	090268
AG Mortgage Bank	100028
Al-Hayat Microfinance Bank	090277
Alekun Microfinance Bank	090259
Alert MFB	090297
Allworkers Microfinance Bank	090131
Alpha Kapital Microfinance Bank	090169
AMJU Unique Microfinance Bank	090180
AMML Micro-finance Bank	914
Apeks Microfinance Bank	090143
Arise MFB	090282
Aso Savings and Loans	401
Astrapolaris Microfinance Bank	090172
Auchi Microfinance Bank	090264
Baines Credit Microfinance Bank	090188
Balogun Gambari MFB	090326
Bayero MICROFINANCE BANK	090316
BC Kash Microfinance Bank	090127
BIPC MICROFINANCE BANK	090336
BOCTrust Micro-finance Bank	952
Bosak Microfinance Bank	090176
Bowen Microfinance Bank	090148
Brent Mortgage Bank	070015
BRETHREN MICROFINANCE BANK	090293
BRIDGEWAY MICROFINANCE BANK	090393
Brightway MFB	090308
Cellulant	919
CEMCS Microfinance Bank	090154
Chams Mobile	929
Chikum Microfinance Bank	090141
CIT Microfinance Bank	090144
Citi Bank	023
Consumer Microfinance Bank	090130
Contec Global Infotech Limited (NowNow)	100032
Coronation Merchant Bank	559
Covenant Micro-finance Bank	949
Credit Afrique Microfinance Bank	090159
Daylight Microfinance Bank	090167
e-Barcs Microfinance Bank	090156
Eagle Flight MFB	090294
Eartholeum	935
Ecobank	050
EcoBank Express Account	922
Ecobank Mobile	307
Edfin MFB	090310
Ekondo MFB	090097
Emeralds Microfinance Bank	090273
Empire Trust Micro-finance Bank	913
Enterprise Bank	084
Esan Microfinance Bank	090189
Eso-E Microfinance Bank	090166
eTRANZACT	920
Evangel MFB	090304
Evergreen MICROFINANCE BANK	090332
Eyowo MFB	090328
FAST Microfinance Bank	090179
FBN MOBILE	309
FBN Mortgages Limited	090107
FBNQuest Merchant Bank	911
FCMB Easy Account	100031
FCMB Plc	214
FCT MFB	090290
FEDERAL UNIVERSITY DUTSE MICROFINANCE BANK	090318
FederalPoly NasarawaMFB	090298
FETS	915
FFS Microfinance Bank	090153
Fidelity Bank	070
Fidelity Mobile	933
Fidfund Microfinance Bank	090126
FINATRUST MICROFINANCE BANK	090111
Firmus MFB	090366
First Bank of Nigeria	011
First Generation Mortgage Bank	070014
First Multiple MFB	090163
First Option MFB	090285
First Royal Microfinance Bank	090164
First Trust Mortgage Bank Plc	910
FirstMonie Wallet	928
FlutterWave Technology Solutions Limited	110002
Fortis Micro-finance Bank	948
Fortis Mobile	930
FSDH Merchant Bank	601
Fullrange Microfinance Bank	090145
Futo Microfinance Bank	090158
Gashua Microfinance Bank	090168
Gateway Mortgage Bank	070009
Globus Bank	103
Glory MFB	090278
GoMoney	100022
GOODNEWS MICROFINANCE BANK	090495
Gowans Microfinance Bank	090122
GreenBank Microfinance Bank	090178
Greenville Microfinance Bank	090269
Greenwich Merchant Bank	060004
Grooming Microfinance Bank	090195
GT MOBILE	923
GTBank Mobile Money	315
GTBank Plc	058
Hackman Microfinance Bank	090147
Haggai Mortgage Bank Limited	070017
Hala MFB	090291
Hasal Micro-finance Bank	958
Hedonmark	931
Heritage Bank	030
IBILE Microfinance Bank	090118
IKENNE MFB	090324
Ikire MFB	090279
Imo State Microfinance Bank	090258
Imperial Homes Mortgage Bank	938
Infinity Microfinance Bank	090157
Infinity Trust Mortgage Bank	070016
Innovectives Kesh	100029
Intellfin	941
IRL Microfinance Bank	090149
JAIZ Bank	301
Jubliee Life	906
Kadick Integration Limited	110008
Kadpoly MICROFINANCE BANK	090320
KCMB Microfinance Bank	090191
Kegow	100015
Keystone Bank	082
Kontagora MFB	090299
Kuda Micro-finance Bank	50211
La Fayette Microfinance Bank	090155
Lagos Building Investment Company	070012
Lapo Microfinance Bank	090177
Lavender Microfinance Bank	090271
Letshego MFB	090420
Lovonus Microfinance Bank	090265
M36	100035
Mainland MICROFINANCE BANK	090323
Mainstreet Micro-finance Bank	014
Malachy Microfinance Bank	090174
Manny Microfinance bank	090383
MAUTECH Microfinance Bank	090423
Mayfair MFB	090321
MayFresh Mortgage Bank	070019
Megapraise Microfinance Bank	090280
Meridian MFB	090275
Microcred Microfinance Bank	090136
Midland Microfinance Bank	090192
Mint-Finex Micro-finance Bank	50304
Mkudi	100011
Money Trust Micro-finance Bank	963
MoneyBox	934
Mutual Benefits Microfinance Bank	090190
Mutual Trust Microfinance Bank	090151
Nagarta Microfinance Bank	090152
Navy Microfinance Bank	090263
Ndiorah Microfinance Bank	090128
New Dawn Microfinance Bank	090205
New Prudential Bank	090108
NIP Virtual Bank	999999
NIRSAL Microfinance Bank	090194
Nnew women MFB	090283
Nova Merchant Bank	637
NPF Micro-finance Bank	947
Oche MFB	090333
Ohafia Microfinance Bank	090119
Okpoga Microfinance Bank	090161
Olabisi Onabanjo University Microfinance Bank	090272
Omiye MFB	090295
Omoluabi Mortgage Bank Plc	950
One Finance	940
PAGA	916
Page Micro-finance Bank	951
PALMPAY	100033
PARALLEX BANK	526
Parkway	311
ParkWay-ReadyCash	917
Parralex Microfinance bank	090004
PatrickGold Microfinance Bank	090317
PayAttitude Online	943
PAYCOM	305
PecanTrust Microfinance Bank	090137
Pennywise Microfinance Bank	090196
Personal Trust Microfinance Bank	090135
Petra Microfinance Bank	090165
Pillar MFB	090289
Platinum Mortgage Bank	070013
Polaris Bank	076
Polyuwanna MFB	090296
Prestige Microfinance bank	090274
Providus Bank	101
Purplemoney MFB	090303
Quickfund Microfinance Bank	090261
Rahama MFB	090170
Rand Merchant Bank	502
Refuge Mortgage Bank	070011
Regent Micro-finance Bank	955
Reliance Microfinance Bank	090173
RenMoney Microfinance Bank	090198
Rephidim MICROFINANCE BANK	090322
Richway Microfinance Bank	090132
Royal Exchange Microfinance Bank	090138
Rubies Micro-finance Bank	125
Safe Haven MFB	090286
SafeTrust	909
Sagamu Micro-finance Bank	966
Seed Capital Micro-finance Bank	609
Sparkle	090325
Stanbic IBTC @ease Wallet	921
Stanbic IBTC Bank	221
Stanbic Mobile	304
Standard Chartered Bank	068
Stanford Microfinance Bak	090162
Stellas Microfinance Bank	090262
Sterling Bank	232
Sterling Mobile	936
Sulsap MFB	090305
Suntrust Bank Nigeria Limited	100
TAGPAY	937
Taj Bank	302
TCF Micro-finance Bank	567
Teasy MOBILE	924
Titan Trust Bank	102
Trident Microfinance Bank	090146
Trust MFB	090327
Trustbond Mortgage Bank	090005
Trustfund Microfinance Bank	090276
U AND C MFB	090315
UNAAB MFB	090331
Uniben Microfinance Bank	090266
Unical Microfinance Bank	090193
Union Bank	032
United Bank for Africa	033
Unity Bank	215
UNN MFB	090251
Verite Microfinance Bank	090123
VFD Micro-finance Bank	566
Virtue Microfinance Bank	090150
Visa Microfinance Bank	090139
VT Networks	926
Wema Bank	035
WetLand Micro-finance Bank	954
Xslnce Microfinance Bank	090124
Yes Microfinance Bank	090142
Zenith Bank Plc	057
ZENITH Mobile	322
ZINTERNET - KONGAPAY	939

Sample Requests & Responses

Deposit request

{
    "client_id": "YOUR_CLIENT_ID",
    "params": {
        "account_name": "John Doe",
        "amount": 10000,
        "bank_code": "17001",
        "callback_url": "https://example.com/callback",
        "country_id": 17,
        "currency": "NGN",
        "first_name": "John",
        "last_name": "Doe",
        "mobile": "2349034567899",
        "payment_method_type": "virtual_account",
        "third_party_reference_1": "TX-COLL-1001",
        "third_party_reference_2": "CUST-501",
        "sub_merchant_id": "{optional-sub-merchant-uuid}"
    },
    "salt": "random_salt_12345",
    "sender": "YOUR_INTEGRATION_NAME",
    "timestamp": 1724835600,
    "signature": "a1b2c3d4e5f60718293a4b5c6d7e8f90123456789abcdef0123456789abcdef0"
}

account_name is the name of the account holder for the bank selected via bank_code. bank_code determines which bank issues the virtual account. sub_merchant_id is optional and only needed if you’re onboarding multiple brands under one account; see Sub-Merchant Management.

Deposit response (successfully initiated)

{
    "success": true,
    "message": "Please use the following bank details for making a deposit via your preferred banking application",
    "data": {
        "account_name": "John Doe",
        "amount": 10000,
        "callback_url": "https://example.com/callback",
        "country_id": 17,
        "currency": "NGN",
        "email": "customer@example.com",
        "first_name": "John",
        "last_name": "Doe",
        "mobile": "2349034567899",
        "payment_method_type": "virtual_account",
        "third_party_reference_1": "TX-COLL-1001",
        "third_party_reference_2": "CUST-501",
        "depositId": "dep_12345678",
        "account_number": "75xxxxxx97",
        "bank_name": "78 FINANCE COMPANY LIMITED",
        "bank_code": null,
        "status": "success",
        "payment_token": null,
        "payment_step": 1
    },
    "status_code": "000000"
}

This is the initial acknowledgement, not the final result. payment_step: 1 means the request was accepted and a dynamic virtual account was generated; it does not mean the customer has paid yet. Await the terminal callback (payment_step: 2).

Payout request

{
    "client_id": "client_id",
    "params": {
        "amount": 10000,
        "currency": "NGN",
        "payment_reference": "YOUR-REFERENCE",
        "first_name": "John",
        "last_name": "Doe",
        "mobile": "2349034567899",
        "email": "john.doe@example.com",
        "country_id": 17,
        "city": "Lagos",
        "postal_code": "100001",
        "line1": "CustomerStreet",
        "client_callback_url": "https://example.com",
        "payment_method_type": "bank",
        "third_party_reference_1": "",
        "bank": [
            {
                "bank_name": "First Bank of Nigeria",
                "bank_code": "011",
                "branch_name": "Victoria Island",
                "account_name": "John Doe",
                "account_number": "0123456789"
            }
        ],
        "sub_merchant_id": "{approved-submerchant-uuid, optional}"
    },
    "salt": "salt_value",
    "sender": "Integration_name",
    "timestamp": "<YOUR_TIMESTAMP>",
    "signature": "0xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx5"
}

bank_code here is First Bank of Nigeria, from the list above; swap in whichever bank the recipient account is held at.

Payout response (successfully initiated)

{
    "success": true,
    "message": "Payment process initiated successfully.",
    "data": {
        "reference": "S000001234",
        "type": "Bank Transfer",
        "total": 10000,
        "creation_date": "2026-08-22T09:53:40.000000Z",
        "execution_date": "2026-08-22T09:53:44.000000Z",
        "from": "John Doe",
        "to": "0123456789",
        "invoice_date": "2026-08-22",
        "invoice_amount": 10000,
        "payment_step": 1
    },
    "status_code": "000000"
}

Payout response (failed to initiate)

{
    "success": false,
    "message": "Payment process initiation failed. Please check the details and try again.",
    "status_code": "000005"
}

Webhook/Callback Examples

Successful deposit

{
    "client_id": "YOUR_CLIENT_ID",
    "salt": "random_salt_12345",
    "sender": "YOUR_INTEGRATION_NAME",
    "timestamp": 1724835600,
    "signature": "a1b2c3d4e5f60718293a4b5c6d7e8f90123456789abcdef0123456789abcdef0",
    "params": {
        "amount": 10000,
        "depositId": "dep_12345678",
        "email": "customer@example.com",
        "mobile": "2349034567899",
        "name": "John Doe",
        "payment_step": 2,
        "status": "success",
        "status_code": "000000",
        "third_party_reference_1": "TX-COLL-1001",
        "third_party_reference_2": "CUST-501"
    }
}

Failed deposit

{
    "client_id": "YOUR_CLIENT_ID",
    "salt": "random_salt_12345",
    "sender": "YOUR_INTEGRATION_NAME",
    "timestamp": 1724835600,
    "signature": "a1b2c3d4e5f60718293a4b5c6d7e8f90123456789abcdef0123456789abcdef0",
    "params": {
        "amount": 10000,
        "depositId": "dep_12345678",
        "email": "customer@example.com",
        "failureReason": {
            "failureCode": "DS-004",
            "failureMessage": "Virtual account expired or session timed out"
        },
        "mobile": "2349034567899",
        "name": "John Doe",
        "payment_step": 2,
        "reference": "ref_98765432",
        "status": "failed",
        "statusCode": "000005",
        "third_party_reference_1": "TX-COLL-1001",
        "third_party_reference_2": "CUST-501"
    }
}

payment_step: 2 is the terminal status on the transaction, sent for both success and failure. Ensure your callback listener acknowledges with HTTP 200 OK and reconciles your database.

Successful payout

{
    "client_id": "YOUR_CLIENT_ID",
    "salt": "random_salt_12345",
    "sender": "YOUR_INTEGRATION_NAME",
    "timestamp": 1724835600,
    "signature": "a1b2c3d4e5f60718293a4b5c6d7e8f90123456789abcdef0123456789abcdef0",
    "params": {
        "account": "0123456789",
        "amount": 10000,
        "currency": "NGN",
        "fee": 50,
        "message": "Payment was transferred successfully.",
        "mobile": "2349034567899",
        "payee": "John Doe",
        "payment_channel": "Bank Transfer",
        "payment_reference": "YOUR-REFERENCE",
        "payment_step": 2,
        "payoutId": "bd8f51a2-xxxx-xxxx-xxxx-xxxxx9a",
        "ref": "ref_98765432",
        "status": "success",
        "statusCode": "000000",
        "third_party_reference_1": "TX-DISB-9901",
        "third_party_reference_2": null,
        "transaction_date": "2026-08-28 12:30:00",
        "transaction_detail": "Disbursement made through Bank Transfer",
        "type": "Pay out"
    }
}

Failed payout

{
    "client_id": "YOUR_CLIENT_ID",
    "salt": "random_salt_12345",
    "sender": "YOUR_INTEGRATION_NAME",
    "timestamp": 1724835600,
    "signature": "a1b2c3d4e5f60718293a4b5c6d7e8f90123456789abcdef0123456789abcdef0",
    "params": {
        "account": "0123456789",
        "amount": 10000,
        "currency": "NGN",
        "fee": 50,
        "message": "Payment was not transferred.",
        "mobile": "2349034567899",
        "payee": "John Doe",
        "payment_channel": "Bank Transfer",
        "payment_reference": "YOUR-REFERENCE",
        "payment_step": 2,
        "payoutId": "bd8f51a2-xxxx-xxxx-xxxx-xxxxx9a",
        "ref": "ref_98765432",
        "status": "failed",
        "statusCode": "000005",
        "third_party_reference_1": "TX-DISB-9901",
        "third_party_reference_2": null,
        "transaction_date": "2026-08-28 12:30:00",
        "transaction_detail": "Disbursement made through Bank Transfer",
        "type": "Pay out"
    }
}

Try it

Try it: POST /api/v4/niobi-unified-collections

Collections API reference for Nigeria deposits.

Try it: POST /api/v4/niobi-unified-payments

Payments API reference for Nigeria payouts.

Transaction Limits

For the full list of minimum and maximum transaction limits for Nigeria (NGN) collections and payouts, please see the Transaction Limits for Nigeria section on the Transaction Limits page.

Deposit Settlement & Overpayment Protection:
For NGN virtual account deposits, customers must transfer the exact requested amount. If an overpayment occurs, the expected amount is processed and the excess is automatically reversed to the customer upon successful settlement.

Get Started with Niobi

API Authentication

Collecting Payments

Making Payments

Transaction Status

Supporting Documentation

Nigeria | Supported Payment Methods & Corridors

Nigeria

Supported Payment Methods & Payload Requirements

Payment Flow: How It Works

Deposits (Collections via Dynamic Virtual Accounts)

Supported Virtual Account Issuing Banks (Collections)

Payouts (Bank Transfers)

List of Supported Nigerian Banks for Payouts

Sample Requests & Responses

Deposit request

Deposit response (successfully initiated)

Payout request

Payout response (successfully initiated)

Payout response (failed to initiate)

Webhook/Callback Examples

Successful deposit

Failed deposit

Successful payout

Failed payout

Try it

Try it: POST /api/v4/niobi-unified-collections

Try it: POST /api/v4/niobi-unified-payments

Transaction Limits

​Nigeria

​Supported Payment Methods & Payload Requirements

​Payment Flow: How It Works

​Deposits (Collections via Dynamic Virtual Accounts)

​Supported Virtual Account Issuing Banks (Collections)

​Payouts (Bank Transfers)

​List of Supported Nigerian Banks for Payouts

​Sample Requests & Responses

​Deposit request

​Deposit response (successfully initiated)

​Payout request

​Payout response (successfully initiated)

​Payout response (failed to initiate)

​Webhook/Callback Examples

​Successful deposit

​Failed deposit

​Successful payout

​Failed payout

​Try it

Try it: POST /api/v4/niobi-unified-collections

Try it: POST /api/v4/niobi-unified-payments

​Transaction Limits

Nigeria

Supported Payment Methods & Payload Requirements

Payment Flow: How It Works

Deposits (Collections via Dynamic Virtual Accounts)

Supported Virtual Account Issuing Banks (Collections)

Payouts (Bank Transfers)

List of Supported Nigerian Banks for Payouts

Sample Requests & Responses

Deposit request

Deposit response (successfully initiated)

Payout request

Payout response (successfully initiated)

Payout response (failed to initiate)

Webhook/Callback Examples

Successful deposit

Failed deposit

Successful payout

Failed payout

Try it

Transaction Limits