Pay With Moniepoint is a payment method that allows your customers to pay directly using their Moniepoint account; no login to their bank app, no USSD code. Just their account number and an OTP.

How it works for your customer

1. On the Monnify checkout page, the customer selects Pay With Moniepoint as their payment method.
2. They click Authenticate to grant Monnify access to their Moniepoint account.
3. They enter their Moniepoint account number. The account name is displayed automatically for confirmation.
4. An OTP is sent to their registered phone number. Once entered, the payment is complete.

Try it on the Monnify demo page

As a merchant, you can experience the full payment flow on the Monnify demo page.

Note: The demo runs on live transactions, your Moniepoint account will be debited for the amount you enter.

To run the demo:

1. Enter a valid email address and the amount you want to test with.
2. Follow the customer journey steps above.

FAQs

How do I activate Pay With Moniepoint?

No activation needed. Once the feature is rolled out, it will automatically appear as a payment option on your Monnify checkout and the API endpoint will be available for integration.

Is this feature available via API as well?

Yes , the feature is available on the Monnify checkout as well as via API.

Does my customer need a Moniepoint account?

Yes. This payment method is available to both personal and business Moniepoint account holders.

Do customers need to be signed in to Moniepoint to use this?

No. Customers authenticate directly within the payment flow using their Moniepoint account number and an OTP, no login required.

To use the demo, does the email address need to match the one linked to my Moniepoint account?

No, you can use any valid email address for the demo. It does not have to be the one linked to your Moniepoint account.

What makes this better than a regular bank transfer?

Speed, simplicity, and lower friction. There is no need to open a banking app, initiate a transfer, or wait for confirmation. The entire payment happens within the checkout flow in a few seconds.

Will I still receive payment notifications and receipts the same way?

Yes. Pay With Moniepoint works like any other payment method on Monnify. You will receive the same webhook notifications and transaction records you are used to.