By default, Monnify requires an OTP (One-Time Password) for every payout attempt. This provides an excellent layer of manual security for businesses doing occasional transfers.

However, if your team is building an automated system like a payroll processor or a bulk vendor disbursement flow, requiring a manual OTP for every transaction will break your automation.

1. The Fix: Send an email to our Integration Support team requesting that we waive OTPs for your account.

Email Template for Requesting an OTP Waiver

Note: For security reasons, an OTP waiver must be requested directly by the business owner or the primary technical admin.

Using the template below, send an email to our Integration Support team from the email address linked to your Monnify account:

1. Send to: [email protected]
2. Subject: Request for Payout OTP Waiver: [Your Business Name]
3. Body:

Hello Monnify Compliance & Support Team,

We are currently integrating the Monnify Disbursement API and we are officially requesting a waiver for the Payout OTP requirement on our account.

Here are our details for verification:

1. Registered Business Name: [Your Business Name]
2. Contract Code: [Your Contract Code]
3. Whitelisted IP Address: [Your Server IP Address]

We confirm that we have implemented server-side IP Whitelisting. We understand and accept that removing the OTP layer means any disbursement requests originating from our whitelisted IP address and authenticated with our API keys will be processed automatically.

We also indemnify Monnify for usage and misuse of the feature.

Kindly let us know once the waiver has been applied so our engineering team can finalize the live integration.

Best regards,

[Your Name]

[Your Role/Title]