Quickstart

1. Get API keys

Create a test or live key in the developer dashboard.

Mode	Key prefix
Test	`sp_test_`
Live	`sp_live_`

Same host for both: https://api.sendpadi.com

Canonical string:

{timestamp}.{METHOD}.{path}.{rawBody}

Headers: X-Api-Key, X-Timestamp, X-Signature (HMAC-SHA256 hex). Use Sign requests (playground) to generate headers for the API reference tab.

GET /api/v1/merchant/wallets · scope wallets:read → Get wallets

Goal	Flow	Start here
Local bank payout	Banks → Validate → Transfer → Get	List banks
Identity (BVN / NIN)	Products → Validate BVN / look up BVN or NIN	Identity
Airtime / data	Billers → Purchase	List billers
Cable / electricity	Billers → Validate → Pay	Validate cable / Validate electricity
eSIM	Billers (`esim`) → packages → Purchase	Purchase eSIM
Gift cards	Catalog → Pricing → Order	Gift cards
Virtual cards	Create → Fund / freeze / withdraw	Virtual cards

Full product map: API products.