Introduction
v1 · Live API

The payments API for African markets.

A REST-over-HTTPS API for B2B disbursement, multi-currency wallets, and remittance — built by Technest.

Start buildingAPI referencefirst payout in under 10 min
Create a payout
curl https://api.swappr.me/api/v1/payouts \
  -H "Authorization: Bearer sk_live_…" \
  -H "Idempotency-Key: po_8f2c1a" \
  -d amount_minor=2500000 \
  -d currency=NGN \
  -d account_number=0123456789 \
  -d bank_code=058
201 Created

Core jobs

Receiving money

Collect into your wallet — NGN virtual accounts, GBP/USD/EUR VIBANs, and CAD via Interac.

Collections

Sending money

Pay out to bank accounts in NGN, GBP, USD, EUR, and Interac addresses in CAD.

Payouts

Customers & KYC

Onboard end-users, capture KYC, and attribute money per customer for remittance.

Remittances

Quick links

Get an API key
dashboard → keysAuthentication
bearer · IP allowlistIdempotency
safe retriesErrors
consistent envelopeRate limits
budgets per keyWebhooks
real-time events

API resources

POSTPayoutsSend money, list, retrieve, requery, cancel./api/v1/payoutsPOSTBatchesBulk payout creation up to 150 rows per call./api/v1/batchesGETWalletsBalances, ledger history, and funding events./api/v1/walletsGETBeneficiariesSaved recipients with per-currency rail validation./api/v1/beneficiariesGETVirtual accountsRead-only list of merchant funding accounts./api/v1/virtual_accountsPOSTName enquiryResolve NGN account numbers via NUBAN./api/v1/name-enquiryPOSTWebhook endpointsManage endpoints and signing secrets./api/v1/webhook_endpointsGETReportsAggregated data in JSON / CSV / XLSX./api/v1/reportsGETBanksNG bank list with CBN codes./api/v1/banks

Conventions

  • Money values are string-encoded BigInts in minor units (kobo for NGN, cents for USD) to avoid float precision loss.

  • All timestamps are ISO 8601 in UTC unless explicitly noted.

  • Field names are snake_case in requests and responses.

  • Prefixed IDs (po_, bat_, whe_) are merchant-facing references; cuids without a prefix are internal.

Response · 200
{
  "id": "po_8f2c1a",
  "amount_minor": "2500000",
  "currency": "NGN",
  "status": "processing",
  "created_at": "2026-06-09T11:04:22Z"
}

Running a remittance, IMTO, MSB or EMI?

Per-end-user KYC, sender info on every transaction, and VIBANs per customer can be enabled after compliance review.

Customers & KYCContact compliance

Need help?

Email support
support@the-technest.comSystem status
status.swappr.me · all systems go
Quickstart