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

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Solutions for multiple industries

FMCG & Retail

FMCG & Retail

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


Learn more
Travel & Mobility

Travel & Mobility

Moveright is a solution designed for players in the transportation industry. Airline operators, logistics, ride-hailing service can provide payment services and credit facilities for their customers.

Learn more
Banking & Fintech

Banking & Fintech

Combine your banking infrastructure and expertise with the market access of our partners and our technology to participate in exploding fintech opportunities.

Learn more

Trusted by these amazing companies

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

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.

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." 

" Our collaboration with Onepipe has helped us accelerate our mission to provide a unified distribution platform that digitizes the FMCG supply chain nationwide. Onepipe is helping us to embed financial services deeply within our platform such that payments for services is frictionless resulting in timely order fulfilment. "

" Our partnership  with Onepipe has supercharged our journey towards shared prosperity among oil palm farmers in Nigeria and we hope in the long term across every crop across the continent. Onepipe has also facilitated the development of digital financial footprints for the farmers thereby unlocking credit lines and other benefits."

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get started with us?

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