UltraPay Open Banking & Core API

Powerful Core Banking APIs for Fintechs & Builders

Integrate instant dedicated virtual accounts, NIP bank transfers, BVN/NIN identity lookups, and real-time webhook credit notifications with 99.99% uptime.

Get API Keys View Endpoints API Docs

POST /v3/transfers

const res = await fetch("https://api.ultrapay.ng/v3/transfers", {
  method: "POST",
  headers: {
    Authorization: `Bearer ${process.env.ULTRAPAY_SECRET_KEY}`,
    "Content-Type": "application/json",
  },
  body: JSON.stringify({
    reference: "payout-2026-10-10-001", // unique: a retry never pays twice
    amount: 25000,
    account_bank: "000013", // a code from GET /v3/banks
    account_number: "0123456789",
    narration: "October commission",
  }),
});

const { status, data } = await res.json();
console.log(status, data.status); // e.g. 'success' 'SUCCESSFUL'

Endpoints

https://api.ultrapay.ng/v3

POST/v3/paymentsCreate a payment and get a hosted checkout link
GET/v3/transactions/{id}/verifyVerify a transaction before giving value
GET/v3/balancesYour balances
POST/v3/accountsOpen an account
GET/v3/accounts/{account_number}An account and its live balance
POST/v3/accounts/resolveConfirm an account name with its bank
GET/v3/banksNigerian bank codes
POST/v3/transfersPay out from your settlement account
GET/v3/transfers/{id}A payout's status

Authenticate with your secret key as a bearer token; test and live keys are separate. Always confirm a payment with /v3/transactions/{id}/verify rather than trusting the redirect. Full documentation

Dynamic Virtual Accounts

Generate permanent or single-use dedicated NIP account numbers under Ultra Pay MFB (Code 214208456948).

NIP Instant Payouts

High-throughput automated payouts to all 24+ Nigerian commercial banks with 2.1s average settlement speed.

Real-Time Webhooks

Webhook notifications for completed payments and payouts, carrying your secret verif-hash header and retried on failure.

Bank-Grade Compliance

Direct connection to CBN core switch with automated AML screening and fraud prevention controls.