SendPadi API Documentation

Integrate wallets, local transfers, identity (BVN/NIN), VAS (bill payments + eSIM), gift cards, virtual cards, and crypto (where enabled) via the Merchant API. Base URL: https://api.sendpadi.com

Products in this API

Product	Base path	API reference
Core (wallets & transactions)	`/api/v1/merchant`	Get wallets, List transactions
Transfers	`/api/v1/merchant/transfers`	Transfers
Identity (BVN / NIN)	`/api/v1/merchant/identity`	Identity
VAS (bill payments + eSIM)	`/api/v1/merchant/vas`	VAS overview
Gift cards (buy + sell)	`/api/v1/merchant/gift-cards`	Gift cards
Virtual cards	`/api/v1/merchant/virtual-cards`	Virtual cards
Crypto	`/api/v1/merchant/crypto`	Crypto (may be disabled)
Webhooks	Portal-managed	Webhooks

How to use these docs

Quickstart — first signed request
Sign requests — playground HMAC helper
API products — flows for every working product
API reference tab — request/response playground per endpoint

Auth at a glance

Every request needs HMAC headers: X-Api-Key, X-Timestamp, X-Signature. Money-moving writes also need Idempotency-Key. See Authentication.