MoneyLot Billers lets banks, fintechs, and institutions plug into a single, API-key secured gateway to sell airtime, data, and utility payments, and to collect money through Mainstreet MFB virtual accounts — while earning commission on every transaction.
{
"network": "MTN",
"phone_number": "08031234567",
"amount": 1000.00
}
// 201 Created
{
"reference": "a51f...e02c",
"transaction_status": "SUCCESSFUL",
"amount": 1000.00,
"commission_earned": 15.00
}
We aggregate multiple billers behind a single contract, so you integrate once and expand into new verticals as we light them up.
Instant recharge across all major Nigerian networks with real-time delivery confirmation.
Curated data plans sourced directly from our upstream biller, kept in sync automatically.
Prepaid and postpaid disco payments with instant token generation, nationwide.
DStv, GOtv and Startimes subscription renewals with plan validation before payment.
Fund betting platform wallets directly from your balance.
Our aggregation model means new billers — and new categories — ship without you changing a line of integration code.
Create Mainstreet MFB virtual accounts for your customers over the API. When a transfer lands, we verify it and push a notification to your server, so you can confirm payment without polling or reconciling statements by hand.
Give each customer a permanent account, or issue a dynamic one tied to a single reference and expected amount.
Each transfer is sent to your webhook URL with the amount, reference, and sender details.
We confirm every credit with the bank before notifying you, and duplicate notifications are ignored. Missed pushes can be looked up by session ID.
{
"name": "Ada Okafor",
"phone_number": "08031234567",
"account_type": "STATIC"
}
// 201 Created
{
"account_number": "1234567890",
"account_name": "Ada Okafor",
"bank_name": "Mainstreet MFB"
}
{
"event": "virtual_account.credit",
"reference": "c82d...91fa",
"session_id": "0000...4471",
"account_number": "1234567890",
"amount": "5000.00",
"sender_name": "Chinedu Eze",
"sender_bank": "GTBank"
}
No lengthy contracts to start building — sign up, get approved, and you're calling the API the same day.
Register your business with your institution's details to create an account.
Our team activates your account and configures your commission rate.
Issue your API key from your dashboard — shown once, stored as a secure hash.
Fund your wallet and start vending airtime, data, and more to your customers.
Your wallet is debited the transaction amount and, on a successful vend, credited back with your configured commission — automatically, on every single transaction.
Full OpenAPI schema, an interactive Swagger reference, and predictable JSON responses on every endpoint.