With Monnify, you can accept physical cash payments from customers anywhere in Nigeria.

Your customers can walk into any Moniepoint Agent location across Nigeria, pay in cash, and have the payment settle into your Monnify wallet.

Note for Engineering Teams: This feature can be set up via the Monnify dashboard or API. This guide covers the dashboard setup. To integrate via API, refer to the Offline Pay-ins Developer Documentation.

Types of Offline Products

Depending on your business model, you can set up 4 types of products:

1. Fixed Product: The amount is fixed and the customer pays that exact amount.
2. Variable Product: The price is flexible. The customer specifies how much they want to pay (ideal for wallet top-ups).
3. Invoice Product: The payment is tied to a specific invoice you generate on Monnify. The agent collects the exact amount required to settle that specific invoice.

Note: Your engineers must activate this product type by calling the Create Invoice endpoint.

4 . Merchant Invoice Product: A custom setup where you can dynamically adjust the price per customer once the agent verifies their ID.

How to Set Up Offline Payment Collection

Step 1: Request Access

Send a request to our Support team from the email address linked to your Monnify account.

1. Send to: [email protected]
2. Subject: Need to Set up Offline Payment Collection: [Your Business Name]
3. Body: Provide your Monnify Business Code and a brief description of how you intend to use the feature.

Tip: You can find your Business Code at the top of your dashboard menu.

Our team typically reviews and activates requests within 24 hours. You'll receive a confirmation email once the feature is enabled, and an Offline Products option will appear on your dashboard menu.

Step 2: Set Up Your Product

1. On your dashboard menu, click Offline Products.
2. Click Create New Product.

3. Select your Product Type (Fixed, Variable, etc.) and fill in the required details.

4. Real-time Value (Tokens): If your product requires a token to be delivered to the customer immediately after payment (such as an electricity token), check the Requires Real Time Value box. This ensures the Moniepoint Agent's POS prints both a receipt and the value token.

5. Revenue Splitting: To divide incoming payments across multiple accounts, click Transaction Splitting at the bottom of the form and assign your sub-accounts. Haven't set this up yet? See our guide on Creating Sub Accounts.

6. Submit the form.

Step 3: The Developer Configuration

With the product created on your dashboard, your engineering team has to configure a mandatory Payer Verification Endpoint, along with the optional Payment Request and Payment Requery endpoints. See how to set up the endpoints for offline products.

Step 4: The Customer Payment Journey

Once your setup is live, here's how a payment flows end to end:

1. Your customer visits any Moniepoint Agent to pay for your service.
2. The agent opens the Monnify collection app on their Moniepoint POS terminal, selects your merchant name, and chooses the product.
3. The agent verifies the customer by entering their Customer ID, which the customer retrieves from your app or website.
4. The POS displays the payment amount, or the customer states how much they want to pay (depending on the product type). The agent collects the cash and processes the transaction.
5. The agent's terminal prints a receipt (and a value token, if applicable) for the customer.
6. You receive an instant transaction notification, allowing you to deliver the service without delay.