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 this API, you can seamlessly connect your applications to Ecobank's product components, enabling smooth interaction with our systems.

In the context of this Ecobank's Sandbox API, we offer a wide range of financial services, allowing businesses and partners to manage essential banking operations such as:

  1. Collections: Streamline the collection of payments from customers.

  2. Remittances: Facilitate cross-border money transfers.

  3. Payments: For processing various types of payments.

  4. Account Services: Manage business and customer accounts.

  5. Account Opening: Automates the process of opening corporate, individual and Xpress bank accounts for entities.

  6. Payment from Ecobank Account (Direct Debit): Allows payments directly from customer’s Ecobank account. Payment for goods and services can be made without the use of channels such as alternate channels such as cards, etc.

  7. Bill Payment: These endpoints are used to facilitate payment of biller transactions.

  8. Express Cash Token: Enables partners to generate and manage cash tokens. These can be redeemed at Ecobank ATMs or any agent points.

We have achieved this by implementing the following principles:

  1. Standardized Objects

    • We provide easy-to-use predefined objects that work across different mobile money systems.

    • Developers don’t need to know backend details—just use our simple formats.

  1. Ready-Made Transaction Types

    • No more manual mapping! We offer common transaction types (like payments, refunds, etc.) so you don’t have to rebuild them for each integration.

  1. Global Standards for Consistency

    • We use ISO codes for currencies (USD, EUR) and countries (US, UG) to keep things universal.

  1. Flexible Extras for Custom Needs

    • Need to add special details? Our API supports custom metadata for unique use cases or provider-specific rules.

  1. Works with Any Account ID

    • Since mobile money accounts don’t have a universal ID, our system accepts multiple identifier types (phone numbers, wallet IDs, etc.) to simplify transactions.