> ## Documentation Index
> Fetch the complete documentation index at: https://docs.sendpadi.com/llms.txt
> Use this file to discover all available pages before exploring further.

# SendPadi API Documentation

> Official SendPadi merchant API docs.

# 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](https://docs.sendpadi.com/api-reference/wallets/get-wallets.md), [List transactions](https://docs.sendpadi.com/api-reference/transactions/list-transactions.md) |
| Transfers | `/api/v1/merchant/transfers` | [Transfers](https://docs.sendpadi.com/api-reference/transfers/list-banks.md) |
| Identity (BVN / NIN) | `/api/v1/merchant/identity` | [Identity](https://docs.sendpadi.com/api-reference/identity/overview.md) |
| VAS (bill payments + eSIM) | `/api/v1/merchant/vas` | [VAS overview](https://docs.sendpadi.com/api-reference/vas/overview.md) |
| Gift cards (buy + sell) | `/api/v1/merchant/gift-cards` | [Gift cards](https://docs.sendpadi.com/api-reference/gift-cards/overview.md) |
| Virtual cards | `/api/v1/merchant/virtual-cards` | [Virtual cards](https://docs.sendpadi.com/api-reference/virtual-cards/overview.md) |
| Crypto | `/api/v1/merchant/crypto` | [Crypto](https://docs.sendpadi.com/api-reference/crypto/overview.md) (may be disabled) |
| Webhooks | Portal-managed | [Webhooks](https://docs.sendpadi.com/api-reference/webhooks/overview.md) |

## How to use these docs

1. [Quickstart](https://docs.sendpadi.com/guides/quickstart.md) — first signed request
2. [Sign requests](https://docs.sendpadi.com/guides/sign-requests.md) — playground HMAC helper
3. [API products](https://docs.sendpadi.com/guides/api-products.md) — flows for every working product
4. **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](https://docs.sendpadi.com/api-basics/authentication.md).


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