The layer between your product and every rail it needs.
Banks, card networks, identity registries and telecoms all work differently. StackAPI sits in between, so your code talks to one API and your finance team reads one ledger.
- 26live APIs behind one key
- 1wallet and dashboard for all of them
- ₦0to build in test mode
- 24/7public status page
One key
Everything orbits one key.
Take payments, check identities, send messages and pay people out through a single integration and one wallet. Pick a product to see what it does.
Payments
Cards, transfers and bank payments on a hosted checkout, with refunds from the same wallet.
How it works
From your first test call to your first live customer
- 01
Create a workspace
Sign up as an individual or an organization. Your team shares one wallet and one key.
- 02
Build on your test key
Your key reaches every product in test mode, with realistic answers. Nothing is sent or charged.
- 03
Apply for live access
Upload your business documents and tick the services you need. We review and approve each one.
- 04
Go live
Fund your wallet and switch to your live key. Approved services answer for real.
Products
Everything behind one key
Start with the one you need today and add the rest without a new contract, a new key or a new integration.
Every API works on its own, and they all share one key, one wallet, one log and one set of signed webhooks.
Notifications
Send SMS, OTPs and email from one API, with automatic failover between routes.
Payments
Accept card, bank transfer and USSD payments in naira.
International Payments
Accept cards in major currencies and settle to your wallet.
Identity Verification
Verify BVN, NIN, phone numbers, driver's licences, passports, voter's cards, vehicles, bank accounts, exam results, documents and faces against official records.
Bill Payments
Airtime, data, electricity, cable TV, betting wallets and exam PINs, with bulk airtime and scheduled payments.
Reports
Generate branded business reports and exports from your data.
Fraud Scoring
Score a transaction for risk before you accept it.
Escrow
Hold funds between two parties and release on delivery.
Payouts
Send money from your StackAPI wallet to any Nigerian bank account, with the account name checked first.
Business Verification
CAC company lookup with directors, TIN, stamp duty and business credit reports (KYB).
Nigerian Data
States, LGAs and wards with INEC codes, ISO codes, capitals and geopolitical zones.
Education
Universities, polytechnics and colleges of education, with type, ownership and state.
Banks and Reference Data
Banks and other financial institutions with NIP codes, CBN codes and licence class, and a NUBAN account number check.
Address and Postcodes
Nigerian postcodes, streets and areas, and address checks in the postal format.
Calendar
Nigerian public holidays and working days, including the Federal Government's declarations.
Tax
VAT and withholding tax under the Nigeria Tax Act 2025, with the rate, category and section for every line.
Ledger
Double-entry ledgers, wallets and balances for your own customers.
Finance
Reconciliation of any two record lists, and settlement reports from your payments.
Address Verification
Physical address checks by field agents across Nigeria: an agent visits the address and confirms who lives there, usually within 48 hours.
FX Rates
Mid-market exchange rates checked against a second independent feed every hour, conversions and daily history back to 1999.
Virtual Cards
Naira and dollar virtual cards for your customers: issue, fund from your wallet, freeze, withdraw and read every transaction.
Logistics
Quotes from local and international couriers, booking, pickup and live tracking from one API.
KYB Company Search
Search companies by name in Nigeria and other countries, then verify one with its CAC record.
Commerce
Invoices with VAT and payment links your customers pay on a hosted page.
Recurring Billing
Plans and subscriptions for your own customers, renewed automatically.
Banking
Dedicated bank account numbers for your customers: their transfers land in your wallet, with account name checks.
Payments · Identity · Messaging · Payouts
One API for the markets you sell in.
Start in Lagos and grow from there. One key, one wallet and the local payment and identity rails each market expects.
Set up for where you are
NGN
Nigeria
Billed in naira. CAC registration.
USD
Rest of Africa and the US
Billed in dollars. Your national registry.
GBP
United Kingdom
Billed in pounds. Companies House.
EUR
European Union
Billed in euros. Your national register.
For developers
Read one request.
You know the whole API.
The same key, error format, idempotency and webhook signature across payments, identity, messaging and payouts.
- Test mode with realistic results for every product
- An x-request-id on every response
- OpenAPI 3.1 and SDKs for Node.js, Python and PHP
curl -X POST https://prostack-api.onrender.com/v1/notifications/sms \
-H "X-API-Key: Psk-test-YOUR_SECRET_KEY" \
-H "X-Public-Key: Ppk-test-YOUR_PUBLIC_KEY" \
-H "Content-Type: application/json" \
-d '{"to": "08031234567", "message": "Your code is 123456"}'{
"success": true,
"data": { ... }
}Endpoints by the job they do
Every route is in the playground with your test key filled in.
API referenceCollect
POST /v1/payments/initiate
GET /v1/payments/ref/:reference
POST /v1/refunds
Verify
POST /v1/identity/verify-bvn
POST /v1/identity/verify-nin
POST /v1/premium-verification/checks
Notify
POST /v1/notifications/sms
POST /v1/notifications/email
POST /v1/notifications/sms/otp/send
Pay out
POST /v1/payouts
GET /v1/banks
GET /v1/wallet/balance
402 Payment Required { "success": false, "code": "INSUFFICIENT_BALANCE", "billing": { "required_amount": "150.00", "available_balance": "40.00" } }
Errors that tell you what to do next
A stable code, a sentence a person can read, and the numbers you need. Nothing is charged when a call is refused.
Send an invoice. Get paid. Know it happened.
Create an invoice with VAT worked out line by line, or a payment link for anything you sell. Your customer pays on a hosted page with your business name on it, and a signed webhook tells your system the moment it settles. Subscriptions renew themselves on the saved card.
- VAT added or included, per line
- Fixed or pay-what-you-choose links
- Automatic renewals and retries
POST /v1/commerce/invoices
{
"customer": { "name": "Ada Obi", "email": "ada@example.com" },
"vat": "add",
"items": [ { "description": "Design", "amount": "10000", "quantity": 2 } ]
}
→ 201 "number": "INV-000001", "total": "21500.00",
"payment_url": "https://stackapi.app/pay?t=inv_…"Books that always balance.
Keep wallets and balances for your own customers in a double-entry ledger that refuses an unbalanced posting, never edits history and is safe to retry. Then reconcile any two lists of records, or your payments against your bank, in one call.
- Debits always equal credits
- Idempotent postings and reversals
- Reconciliation and settlement reports
POST /v1/ledger/transactions
{
"reference": "topup-0001",
"entries": [
{ "account": "cash", "direction": "debit", "amount": "10000" },
{ "account": "wallet-ada", "direction": "credit", "amount": "9900" },
{ "account": "fees", "direction": "credit", "amount": "100" }
]
}Know who is on the other side.
Verify BVN, NIN, phone numbers, bank accounts and documents against official records, look up a company and its directors, and score a transaction for risk before you accept it. Every check is logged for your compliance team.
- People and businesses (KYC and KYB)
- Fraud scoring before you accept
- An audit trail of every check
POST /v1/identity/verify-nin
{ "nin": "22222222222", "level": "basic" }
POST /v1/identity/verify-cac
{ "rc_number": "RC1234567" }
POST /v1/fraud/score
{ "amount": 250000, "email": "ada@example.com", "ip_address": "102.89.1.10" }Fallback
Every request takes the lane that is working.
StackAPI keeps more than one route behind messaging, identity and payments. When one is slow or down, the next one answers.
What happens when a route fails
Keep StackAPI’s order or choose your own on the Fallback page. A route that is closed is skipped. Nothing is charged twice.
- startYour request arrives with your key and an idempotency key.
- step 1The first route is slow or down.
- step 2The next route answers. You get one result and one charge.
- afterYour request log shows the result. Your code and your key never changed.
SMS lanes keep your sender name the same, end to end
Lane 1
Standard
OTPs and alerts on StackAPI’s approved sender. Ready on day one.
Lane 2
Corporate
For accounts approved by sales, priced per account.
Lane 3
Your own sender ID
Your brand name on the message once the networks approve it. Download the letters, sign, upload, and we register it for you.
Signed webhooks
HMAC-SHA256 over the timestamp and the raw body, retried automatically.
Two-factor for every account
Email codes or an authenticator app, with recovery codes.
Spending caps
A monthly limit you set, with an alert before you reach it.
Data protection
Built for the Nigeria Data Protection Act 2023. Export or delete your data from Settings.
MCP server
MCP Server: let AI apps and agents use StackAPI, safely
Connect Claude, Cursor, VS Code or any Model Context Protocol client to your workspace. The assistant gets only the tools you tick, through a key of its own, and can never reach your keys, team, settings or wallet top-ups.
- Only the tools you choose, in test mode until you say live
- Payouts and airtime capped per call and per day, every call with a reference so a retry never pays twice
- Every call logged, refused ones too, with identity and account numbers masked
- Revoke a connection and it stops at once, with its key
{
"mcpServers": {
"stackapi": {
"url": "https://api.stackapi.app/mcp",
"headers": { "Authorization": "Bearer stkmcp_test_..." }
}
}
}What would a ₦250,000 payout cost, and which banks can I send to?
The fee is shown before anything is sent. Want me to pay Ada? I will ask before moving money.
WooCommerce plugin
Selling on WordPress? Plug in StackAPI
StackAPI for WooCommerce connects your shop to your StackAPI account: payments, refunds, order messages and phone confirmation, from one plugin and one wallet. Free to install; you pay only your StackAPI prices for what it uses.
- Naira payments through StackAPI checkout, in the classic checkout and the Checkout block
- An order is marked paid only after the plugin reads the payment back from StackAPI
- Full refunds from the WooCommerce order screen
- Order SMS and email to your customer and your team, once per status
- A phone code by SMS before a Cash on Delivery order is placed
Version 1.0.0. WordPress 6.8+, WooCommerce 10.3+, PHP 8.1+, store currency in naira. Install it from the ZIP (Plugins > Add New > Upload Plugin).
- Order #1042Pending payment
- Checkout on StackAPI₦25,500.50
- Payment read backamount, email, mode match
- Order #1042Processing
- SMS to customersent
Test it end to end with test keys first: no real money moves until your account is approved and you switch the plugin to Live.
Built for the Nigeria Data Protection Act 2023
We process personal data in line with the Nigeria Data Protection Act 2023 and the Nigeria Data Protection Commission's requirements: data is encrypted in transit, processors may use it only to perform your request, identity checks require your end user's consent, and you can delete your account yourself at any time. Read our privacy policy.
Roadmap
Coming soon
More APIs are on the way. Anything marked Soon is not available yet. Pay as you go APIs are charged per use from your wallet on every plan; the others are included in the monthly plans, up to each plan's monthly allowance. Prices are announced at launch.
StackFin
SoonStackAPI's own payment gateway: collections, transfers, payouts and settlements in one place.
Pay as you go
Need one of these sooner?
Our partners
Built with the platforms Nigerian businesses rely on
StackAPI brings together leading payment, messaging, identity and developer platforms, so you integrate once and reach them all.
Become a partner
Do you run an API that businesses need? Integrate it into StackAPI and put it in front of every developer on the platform, with billing, keys, monitoring and support already handled. We work with payment, identity, messaging, data and infrastructure providers.
FAQ
Questions, answered
Can AI assistants use StackAPI?
Yes. Our MCP server lets Claude, Cursor, VS Code and other Model Context Protocol clients use the tools you choose for your workspace, through a key of their own, in test mode until you choose live. Money tools are capped per call and per day, and every call is logged.
Is my account protected beyond a password?
Yes. Every StackAPI account uses two-factor authentication: at each sign-in you confirm with a code from an authenticator app or one sent to your email, and you get recovery codes in case you lose access.
Can I try StackAPI before I pay anything?
Yes. Every workspace gets test keys, free. Test requests return realistic answers and fire your webhooks, but never send a message, charge a card or touch your wallet. You only need to fund your wallet when you switch to a live key.
How long does it take to go live?
Test keys work the moment you sign up. For live keys we verify your account: two documents for a personal workspace, four for an organization. Our review target and the exact list are on the Going live page, and we email you the decision.
How am I billed?
Pay as you go APIs are charged per successful use from your workspace wallet. The monthly plans include the other APIs up to each plan’s allowance. Your Usage and Billing pages show every charge and the price in force before you make a call, and every price is on the Pricing page.
What happens when an upstream service is down?
Where we have more than one route, as with messaging and identity verification, StackAPI moves your request to another route automatically. Our public status page shows the live state of every API.
Do you store my customers’ card details?
No. Card details are entered on the payment processor’s secure checkout and never reach StackAPI. For subscriptions we keep only the processor’s reusable card reference, encrypted.
How do you protect personal data?
We process personal data under the Nigeria Data Protection Act 2023. Data is encrypted in transit, secret keys are stored only as keyed hashes, and you can delete your account yourself in Settings. Our privacy policy sets out what we keep and for how long.
Can my team share one account?
Yes. Invite teammates as owner, admin, member or viewer. Everyone works from the same wallet and keys, and each role sees and changes only what it should.
Something else? Write to support@stackapi.app.
Start with a test key today
Create a workspace and make your first request in minutes. Test keys are free and nothing leaves StackAPI until you switch to a live key.
- No card needed to sign up
- Test calls are always free
- Go live by switching the key