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OnePipe

The end of

in your business

Our infrastructure and range of products help you embed financial services within your operations effectively

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Account to account payments, like magic

The better way to collect instalment or recurring payments

No coding. No integration.

We'd automagically generate a unique USSD code for you. Simply ask your customers to dial it, or upload their payment details and our system will take care of customer consent management and process your money when due. 

Want to try a demo?
Dial: *7006*31*000019#

See how it works
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Account to account payments

Account to account payments

Confirm transfers instantly. Take instalment & recurring payments from bank accounts. Receive your settlement immediately.

Learn more
Inventory finance for supply chains

Inventory finance for supply chains

For distributors, maintain the loyalty of your customers by offering them a managed credit line that grows every time they buy from you.

Learn more

Trusted by these amazing companies

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What you can achieve with OnePipe

Assign and operate accounts

Assign and operate accounts

Rather than a closed scheme wallet that potentially exposes you to regulatory scrutiny, you can issue actual bank accounts with some value-added benefits.

Launch a credit product

Launch a credit product

You can provide non-collateralized credit or credit at the point of payment, to your customers; underwritten by yourself or our partners.

Process payments more efficiently

Process payments more efficiently

With embedded accounts you can now process payments in a manner that gives your customers more convenience and trust

Drive financial inclusion

Drive financial inclusion

Supercharge financial inclusion at the grassroots level via digital agents providing basic financial services that are laced with a combination of incentives.

Still have a question? Browse documentation or submit a ticket

API integration or prebuilt products? Your choice.

We've turned complex infrastructure into simple APIs and pre-packaged products. If you've got your own platform our APIs are simple to integrate. And if you don't, we've created prebuilt products for specific use cases you can just deploy. Now you can focus on what matters most - customer experience and acquisition.

Bring your ideas to life with an intuitive visual editor.

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Create, edit, and customize your website visually

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See the changes instantly. No more backend stuff.

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Launch your website in a few minutes. No coding required!

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Virtual accounts

Generate regulatory compliant NUBAN accounts for your customers that you can fully operate and manage via APIs for many use cases.

Credit facilities

You can use our APIs to offer credit facilities in various forms such as loans, inventory finance, Buy-Now-Pay-Later model and so much more.

Payments

Our API allows for easy execution of payment, with seamless settlement and reconciliation, supported by data to enable you to offer personalized financial products.

Cloud systems 🤩
High Performance
Cloud systems 🤩
High Performance
Optical Fiber Network ⚡
API Integration
Optical Fiber Network ⚡
API Integration

Feature products

Leverage our products to provide value to your customers

Add financial services to your platform with our embedded banking APIs

Our end-to-end API integration is the fastest and simplest way for your business to launch financial service features. We use our Banking-as-a-service tool to help you improve the user experience of clients on your platform, while fostering innovation and profitable collaboration.

See how it works

Add financial service feature to your platform with our Banking-as-a-service solution

Don't want prebuilt products? You can embed via APIs

Our end-to-end API integration is the fastest and simplest way for your business to launch financial service features. We use our Banking-as-a-service tool to help you improve the user experience of clients on your platform, while fostering innovation and profitable collaboration.

See how it works

Add financial service feature to your platform with our Banking-as-a-service solution


curl --location --request POST 'https://api.onepipe.io/v2/transact' \
--header 'Authorization: Bearer dthEjKlKSL30mNVwbpne_0e1a5973b7a2430bbc6d2f6032ea17f1' \
--header 'Signature: 3a2b58350e8068507e6b5bff106850a5' \
--header 'Content-Type: application/json' \
--data-raw '{
  "request_ref":"111111111", 
  "request_type":"get_accounts_min",
  "auth": {
    "type": "card",
    "secure": "s2LsV7Ka2mi6SLbjuDIVmrxANCldBJFxAZ5Y0ckQnXs=",
    "auth_provider": "Demoprovider",
    "route_mode": null
  },
  "transaction": {
    "mock_mode": "live", 
    "transaction_ref": "{{transaction-ref}}", 
    "transaction_desc": "A random transaction", 
    "transaction_ref_parent": null, 
    "amount": 0,
    "customer":{
      "customer_ref": "DemoApp_Customer007",
      "firstname": "Uju",
        "surname": "Usmanu",
      "email": "ujuusmanu@gmail.com",
      "mobile_no": "234802343132"
    },
    "meta":{
      "a_key":"a_meta_value_1",
      "another_key":"a_meta_value_2"
    },
    "details": {
      "otp_override": true
    }
  }
}'
          
          

curl --location --request POST 'https://api.onepipe.io/v2/transact' \
--header 'Authorization: Bearer dthEjKlKSL30mNVwbpne_0e1a5973b7a2430bbc6d2f6032ea17f1' \
--header 'Signature: 3a2b58350e8068507e6b5bff106850a5' \
--header 'Content-Type: application/json' \
--data-raw '{
  "request_ref":"111111111", 
  "request_type":"lookup_nin_mid",
  "auth": {
    "type": "nin", 
    "secure": "{{auth.nin}}",
    "auth_provider": "Demoprovider",
    "route_mode": null
  },
  "transaction": {
    "mock_mode": "live", 
    "transaction_ref": "{{transaction-ref}}", 
    "transaction_desc": "A random transaction", 
    "transaction_ref_parent": null, 
    "amount": 0,
    "customer":{
      "customer_ref": "DemoApp_Customer007",
      "firstname": "Uju",
      "surname": "Usmanu",
      "email": "ujuusmanu@gmail.com",
      "mobile_no": "234802343132"
    },
    "meta":{
      "a_key":"a_meta_value_1",
      "b_key":"a_meta_value_2"
    },
    "details": {
    }
  }
}'
          
        

curl --location --request POST 'https://api.onepipe.io/v2/transact' \
--header 'Authorization: Bearer dthEjKlKSL30mNVwbpne_0e1a5973b7a2430bbc6d2f6032ea17f1' \
--header 'Signature: 3a2b58350e8068507e6b5bff106850a5' \
--header 'Content-Type: application/json' \
--data-raw '{
    "request_ref": "111111111",
    "request_type": "open_account",
    "auth": {
        "type": null,
        "secure": null,
        "auth_provider": "Demoprovider",
        "route_mode": null
    },
    "transaction": {
        "mock_mode": "live",
        "transaction_ref": "{{transaction-ref}}",
        "transaction_desc": "A random transaction",
        "transaction_ref_parent": null,
        "amount": 0,
        "customer": {
            "customer_ref": "DemoApp_Customer007",
            "firstname": "Uju",
            "surname": "Usmanu",
            "email": "ujuusmanu@gmail.com",
            "mobile_no": "234802343132"
        },
        "meta": {
            "a_key": "a_meta_value_1",
            "another_key": "a_meta_value_2"
        },
        "details": {
            "name_on_account": "Tobi Olajide",
            "middlename": "string",
            "otp_override": true,
            "dob": "yyyy-MM-dd-HH-mm-ss",
            "gender": "M",
            "title": "Mr",
            "address_line_1": "23, Okon street, Ikeja",
            "address_line_2": "Ikeja",
            "city": "lagos",
            "state": "lagos",
            "country": "NG"
        }
    }
}'
        
        

curl --location --request POST 'https://api.onepipe.io/v2/transact' \
--header 'Authorization: Bearer dthEjKlKSL30mNVwbpne_0e1a5973b7a2430bbc6d2f6032ea17f1' \
--header 'Signature: 3a2b58350e8068507e6b5bff106850a5' \
--header 'Content-Type: application/json' \
--data-raw '{
  "request_ref":"111111111", 
  "request_type":"get_statement",
  "auth": {
    "type": "bank.account", 
    "secure": "s2LsV7Ka2mi6SLbjuDIVmrxANCldBJFxAZ5Y0ckQnXs=",
    "auth_provider": "Demoprovider",
    "route_mode": null
  },
  "transaction": {
    "mock_mode": "live", 
    "transaction_ref": "{{transaction-ref}}", 
    "transaction_desc": "A random transaction", 
    "transaction_ref_parent": null, 
    "amount": 0,
    "customer":{
      "customer_ref": "DemoApp_Customer007",
      "firstname": "Uju",
        "surname": "Usmanu",
      "email": "ujuusmanu@gmail.com",
      "mobile_no": "234802343132"
    },
    "meta":{
      "a_key":"a_meta_value_1",
      "another_key":"a_meta_value_2"
    },
    "details": {
        "start_date": "2019-06-01",
        "end_date": "2019-06-01",
        "otp_override": true
    }
  }
}'
        
        

curl --location --request POST 'https://api.onepipe.io/v2/transact' \
--header 'Authorization: Bearer dthEjKlKSL30mNVwbpne_0e1a5973b7a2430bbc6d2f6032ea17f1' \
--header 'Signature: 3a2b58350e8068507e6b5bff106850a5' \
--header 'Content-Type: application/json' \
--data-raw '{
  "request_ref":"111111111", 
  "request_type":"lookup_nuban",
  "auth": {
    "type": null,
    "secure": null,
    "auth_provider": "Demoprovider",
    "route_mode": null
  },
  "transaction": {
    "mock_mode": "live", 
    "transaction_ref": "{{transaction-ref}}", 
    "transaction_desc": "A random transaction", 
    "transaction_ref_parent": null, 
    "amount": 0,
    "customer":{
      "customer_ref": "DemoApp_Customer007",
      "firstname": "Uju",
      "surname": "Usmanu",
      "email": "ujuusmanu@gmail.com",
      "mobile_no": "234802343132"
    },
    "meta":{
      "a_key":"a_meta_value_1",
      "another_key":"a_meta_value_2"
    },
    "details": {
      "account_number":"3065570057"
    }
  }
}'
        
        

curl --location --request POST 'https://api.onepipe.io/v2/transact' \
--header 'Content-Type: application/json' \
--header 'Authorization: Bearer dthEjKlKSL30mNVwbpne_0e1a5973b7a2430bbc6d2f6032ea17f1' \
--header 'Signature:  3a2b58350e8068507e6b5bff106850a5' \
--data-raw '{
  "request_ref":"111111111", 
  "request_type":"collect",
  "auth": {
    "type": "bank.account", 
    "secure": "s2LsV7Ka2mi6SLbjuDIVmrxANCldBJFxAZ5Y0ckQnXs=",
    "auth_provider": "DemoProvider",
    "route_mode":null
  },
  "transaction": {
    "mock_mode": "inspect", 
    "transaction_ref": "{{transaction-ref}}", 
    "transaction_desc": "A random transaction", 
    "transaction_ref_parent": "", 
    "amount": 10000,
    "customer":{
      "customer_ref": "Jhon",
      "firstname": "Uju",
      "surname": "Usmanu",
      "email": "ujuusmanu@gmail.com",
      "mobile_no": "234802343132"
    },
    "meta":{
      "a_key":"a_meta_value_1",
      "another_key":"a_meta_value_2"
    },
    "details":null
  }
}'
        
        

curl --location --request POST 'https://api.onepipe.io/v2/transact' \
--header 'Authorization: Bearer dthEjKlKSL30mNVwbpne_0e1a5973b7a2430bbc6d2f6032ea17f1' \
--header 'Signature: 3a2b58350e8068507e6b5bff106850a5' \
--header 'Content-Type: application/json' \
--data-raw '{
    "request_ref": "111111111",
    "request_type": "disburse",
    "auth": {
        "type": null,
        "secure": null,
        "auth_provider": "Demoprovider",
        "route_mode": null
    },
    "transaction": {
        "mock_mode": "live",
        "transaction_ref": "{{transaction-ref}}",
        "transaction_desc": "A random transaction",
        "transaction_ref_parent": null,
        "amount": 1000,
        "customer": {
            "customer_ref": "DemoApp_Customer007",
            "firstname": "Uju",
            "surname": "Usmanu",
            "email": "ujuusmanu@gmail.com",
            "mobile_no": "234802343132"
        },
        "meta": {
            "a_key": "a_meta_value_1",
            "another_key": "a_meta_value_2"
        },
        "details": {
            "destination_account": "2363262632",
            "destination_bank_code": "011"
        }
    }
}'
        
        

curl --location --request POST 'https://api.onepipe.io/v2/transact' \
--header 'Authorization: Bearer dthEjKlKSL30mNVwbpne_0e1a5973b7a2430bbc6d2f6032ea17f1' \
--header 'Signature: 3a2b58350e8068507e6b5bff106850a5' \
--header 'Content-Type: application/json' \
--data-raw '{
  "request_ref":"111111111", 
  "request_type":"get_balance",
  "auth": {
    "type": "bank.account", 
    "secure": "s2LsV7Ka2mi6SLbjuDIVmrxANCldBJFxAZ5Y0ckQnXs=",
    "auth_provider": "Demoprovider",
    "route_mode": null
  },
  "transaction": {
    "mock_mode": "live", 
    "transaction_ref": "{{transaction-ref}}", 
    "transaction_desc": "A random transaction", 
    "transaction_ref_parent": null, 
    "amount": 0,
    "customer":{
      "customer_ref": "DemoApp_Customer007",
      "firstname": "Uju",
        "surname": "Usmanu",
      "email": "ujuusmanu@gmail.com",
      "mobile_no": "234802343132"
    },
    "meta":{
      "a_key":"a_meta_value_1",
      "another_key":"a_meta_value_2"
    },
    "details": {
      "otp_override": true
    }
  }
}'
        
        

curl --location --request POST 'https://api.onepipe.io/v2/transact/options' \
--header 'Authorization: Bearer dthEjKlKSL30mNVwbpne_0e1a5973b7a2430bbc6d2f6032ea17f1' \
--header 'Signature: 3a2b58350e8068507e6b5bff106850a5' \
--header 'Content-Type: application/json' \
--data-raw '{
  "request_ref":"111111111", 
  "request_type":"get_a_loan",
  "auth": {
    "type": null, 
    "secure": null,
    "auth_provider": "Demoprovider",
    "route_mode": null
  },
  "transaction": {
    "mock_mode": "live", 
    "transaction_ref": "{{transaction-ref}}", 
    "transaction_desc": "A random transaction", 
    "transaction_ref_parent": null, 
    "amount": 0,
    "customer":{
      "customer_ref": "DemoApp_Customer007",
      "firstname": "Uju",
      "surname": "Usmanu",
      "email": "ujuusmanu@gmail.com",
      "mobile_no": "234802343132"
    },
    "meta":{
      "a_key":"a_meta_value_1",
      "another_key":"a_meta_value_2"
    },
    "details": { }
  }
}'
        
        

curl --location --request POST 'https://api.onepipe.io/v2/transact' \
--header 'Authorization: Bearer dthEjKlKSL30mNVwbpne_0e1a5973b7a2430bbc6d2f6032ea17f1' \
--header 'Signature: 3a2b58350e8068507e6b5bff106850a5' \
--header 'Content-Type: application/json' \
--data-raw '{
  "request_ref":"111111111", 
  "request_type":"get_a_loan",
  "auth": {
    "type": "bank.account", 
    "secure": "s2LsV7Ka2mi6SLbjuDIVmrxANCldBJFxAZ5Y0ckQnXs=",
    "auth_provider": "Demoprovider",
    "route_mode": null
  },
  "transaction": {
    "mock_mode": "live", 
    "transaction_ref": "{{transaction-ref}}", 
    "transaction_desc": "A random transaction", 
    "transaction_ref_parent": null, 
    "amount": 0,
    "customer":{
      "customer_ref": "DemoApp_Customer007",
      "firstname": "Uju",
      "surname": "Usmanu",
      "email": "ujuusmanu@gmail.com",
      "mobile_no": "234802343132"
    },
    "meta":{
      "a_key":"a_meta_value_1",
      "another_key":"a_meta_value_2"
    },
    "details": {
        "lender_code": "129930093",
        "lender_product_code": "3290039",
        "lender_offer_id": "offer-007",
        "consent_token": "W4236777yxref$12",
        "destination_account": "00001111222",
        "destination_bank_code": "011"
    }
  }
}'
        
        

curl --location --request POST 'https://api.onepipe.io/v2/transact/options' \
--header 'Authorization: Bearer dthEjKlKSL30mNVwbpne_0e1a5973b7a2430bbc6d2f6032ea17f1' \
--header 'Signature: 3a2b58350e8068507e6b5bff106850a5' \
--header 'Content-Type: application/json' \
--data-raw '{
  "request_ref":"111111111", 
  "request_type":"buy_airtime",
  "auth": {
    "type": "wallet", 
    "secure": "s2LsV7Ka2mi6SLbjuDIVmrxANCldBJFxAZ5Y0ckQnXs=",
    "auth_provider": "Demoprovider",
    "route_mode":null
  },
  "transaction": {
    "mock_mode": "live", 
    "transaction_ref": "{{transaction-ref}}", 
    "transaction_desc": "A random transaction", 
    "transaction_ref_parent": "", 
    "amount": 10000,
    "customer":{
      "customer_ref": "DemoApp_Customer007",
      "firstname": "Uju",
      "surname": "Usmanu",
      "email": "ujuusmanu@gmail.com",
      "mobile_no": "234802343132"
    },
    "meta":{
      "a_key":"a_meta_value_1",
      "another_key":"a_meta_value_2"
    },
    "details": {
      "telco_code": "mtn"
    }
  }
}'

Cross collaboration and partnerships is our ethos

Our partnerships with several banks and fintechs has provided us with the underlying infrastructure. This gives you access to a variety of APIs that enables you to integrate as many financial features as you choose. You can focus on your product improvement and customer acquisition while we help you achieve an ‘all-in-one’ platform.

What our customers are saying

" We set out to make credit available to everyone especially to those populations typically excluded by traditional credit bureaus. Partnering with Onepipe has afforded our customers the seamless experience of paying back loans securely." 

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