Bond Merchant
Financial APIs for
payments, identity and collections.
Bond Merchant is a suite of financial APIs covering bills payment, identity verification and virtual account collections. Integrate once, build more.
Getting Started
One integration, three product families.
Bond Merchant is designed for developers and product teams who need reliable, well-documented APIs with a clear path from sandbox to production.
Integrate
Connect to Bond Merchant APIs using your preferred language. Documentation and sandbox keys are available immediately.
Test in Sandbox
Use the full-featured sandbox to test bills, identity checks and virtual account creation without live transactions.
Go Live
Complete business onboarding and switch to the live environment. Production-grade reliability with real-time monitoring.
Bond Merchant Products
Three distinct financial API products.
Bills Payment
One API for everyday bill payments.
Integrate once and let your users pay electricity bills, buy airtime and data, subscribe to cable TV, pay school fees and more — without building separate integrations for each biller.
Identity Verification
Verify individuals and businesses.
Confirm customer identity using trusted Nigerian regulatory data sources. Support BVN, NIN, address and phone verification for individuals, and CAC and TIN verification for businesses.
Collections
Collect payments with virtual accounts.
Generate dedicated or transaction-specific virtual bank accounts through Bond's APIs. Receive payments, reconcile to the correct customer or transaction and track collection in real time.
For Developers
RESTful APIs with sandbox access.
Bond Merchant APIs follow RESTful conventions with JSON responses. Sandbox keys are available immediately. Documentation covers every endpoint, parameter and webhook event.
Example requests
Start building with Bond Merchant.
Access the sandbox and integrate bills, identity and collections into your product.