Ecobank APIs

Introduction

The purpose of this platform is to guide and provide comprehensive information on Ecobank's Sandbox API, built on RESTful architecture, and designed to assist our FinTech partners and developers in integrating with Ecobank's suite of financial services. By utilizing these APIs, you can seamlessly connect your applications to Ecobank's product components, enabling smooth interaction with our systems.

The Ecobank's Sandbox APIs offer a wide range of financial services, allowing businesses and partners to manage essential banking operations such as:

  1. Account Enquiry Service: This API suite enables secure, real-time access to customer account information across Ecobank’s Pan-African network. The services are designed for FinTech, corporate partners, and third-party platforms seeking a comprehensive set of functionalities for retrieving and validating account data.

  2. Account Opening Service: This bouquet of services enables secure and flexible service to allow businesses, Fintechs, and digital platforms to initiate the process of opening Ecobank accounts his API facilitates seamless onboarding experiences by integrating account creation into web portals, mobile applications, and other digital channels.

  3. Authentication Service: This service allows partners to generate unique bearer token to access each service using the configured serviceCode.

  4. Bill Payment Service: The Bill Payment API bundle contains services that enable businesses, Fintechs, and digital platforms to initiate and manage real‑time bill payments across Ecobank’s extensive pan‑African network, and integrate directly with utilities, telecoms, government agencies, and other institutions for payments of services.

  5. Local Bank Payment Service: When it comes to funds transfer within a country, we have got our partners covered with this API bundle. The services support diverse types of in-country payment, enabling seamless fund movement with enhanced security and traceability with Ecobank (via domestic transfer) and other banks (via interbank transfer)

  6. Notification Service: This API service provides our partners instant transaction webhook notifications on the specified bank account maintained along with their webhook endpoints in our system.  It also supports email notifications for account balance thresholds monitoring.

  7. Payment From Ecobank Account: This API service provides partners with a secure and efficient way to initiate, authorize, and manage direct payments on customer accounts across Ecobank’s network. It supports seamless one-time debit operations with OTP validation, enabling better payment automation and collection workflows.

  8. Remittance Service (Single RT): This API service enables secure, real-time cross-border money transfers across Ecobank’s pan-African network. It empowers fintechs, money transfer operators, and digital platforms to initiate and track remittance transactions directly from their applications, supporting multiple transaction types including bank account, cash pickup, and wallet payouts.

  9. XpressCash Token Service: This API service allows partners to generate secure, cardless withdrawal tokens that can be redeemed at Ecobank ATMs, Xpress Points, or partner agents. This innovative API enables seamless disbursement of funds to beneficiaries without the need for a traditional bank account or card.