- Sandbox access, instantly. Sign up and start building, no approval gate.
- No UI? No problem. Generate a Payment Link and start collecting payments in minutes.
- One integration, every market. Same credentials, sandbox to production.
What You Can Build With Niobi
Niobi handles collections, payouts, and multi-currency wallets, along with the approvals, sub-merchant management, and reporting most growing businesses need around them, all through one API and one dashboard.Collections, Every Method
Accept mobile money, bank transfers, cards, and redirect-based payments (Wave, Capitec) through one API. Coverage varies by market, see Supported Countries for active methods per country.
Payouts, Every Rail
Disburse to bank accounts or mobile money wallets (M-Pesa, PesaLink), or move funds straight to another Niobi wallet, all through the same signed request format.
Hosted Checkout & Payment Links
Generate a payment link with zero front-end code. Pre-fill it with your customer’s name, email, and phone, and Niobi handles the entire checkout experience.
Multi-Currency Wallets & FX
Hold balances in multiple currencies and convert between them as you need. Check your main wallet or any sub-wallet’s balance independently to keep funds segmented by team, product, or client.
Bulk & Scheduled Payments
Upload a batch of payouts in one go, or schedule them to go out on a future date, instead of firing requests one at a time.
Webhooks & Callbacks
Get notified the moment a collection or payout settles. Niobi posts a signed callback to your server so you don’t have to poll for a final status.
Approval Workflows
Set an approval rule on high-value bills or bulk payment batches, so a second team member reviews and signs off before they go out.
Sub-Merchant Management
Onboard and manage merchants under your own parent account, without issuing separate credentials for each one.
Team Roles & Permissions
Control who on your team can initiate, approve, or just view transactions, with role-based access across the dashboard.
Invoicing & Customer Management
Create and send invoices, manage a catalog of products, and track customers, useful if you’re collecting recurring or itemized payments rather than one-off transactions.
Compliance & Security
KYB onboarding, IP whitelisting, and scoped API key management keep your integration locked down as you move from sandbox to production.
Accounting Sync & Reporting
Sync transactions to QuickBooks, and export CSV or PDF reports of balances and transaction history for reconciliation.