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Embed
into your business

We help organisations integrate financial services within their value chains to create customer loyalty & improve overall business operations

Solutions for multiple industries

FMCG & Retail

FMCG & Retail

Our solution, Growtrade, is tailored to increase sales and improve operations for manufacturers, distributors and retailers in the FMCG sector.


Travel & Mobility

Travel & Mobility

MoveRight is a solution designed for the transportation industry. Airline operators, logistics & ride-hailing platforms can now offer payment services and credit facilities to their customers.

Banking & Fintech

Banking & Fintech

With our APIs, we've done the heavy lifting and pre-integrated to all the base infrastructure you need to get your fintech product off the ground. Save yourself some time.

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.

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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.

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

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


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.

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