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The TagPay Wallet API is a business wallet platform built for merchants. It gives you the infrastructure to create and manage wallets for your customers, move funds, issue cards, verify identities, and respond to events in real time — all through a single REST API. You interact with the API as a merchant. Your customers interact with wallets you provision on their behalf.

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What you can build

Wallet management

Create wallets for your customers, check balances, credit and debit funds, and manage wallet lifecycle from a single endpoint.

Funds transfer

Send money to any Nigerian bank account via NIP, or transfer instantly between wallets on the platform.

Card issuance

Issue virtual and physical debit cards to your customers and control spending directly from your merchant account.

Webhooks

Subscribe to real-time events for transactions, wallet creation, transfers, and status changes.

KYC verification

Verify customer identity using BVN and NIN lookups. Wallet tier and status are determined automatically based on verification results.

Analytics

Monitor transaction trends, revenue breakdowns, customer growth, and volume metrics across your merchant account.

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Environments

TagPay provides two environments. Use sandbox to build and test without moving real money, and production when you are ready to go live.
EnvironmentBase URL
Sandboxhttps://api.tagpay.ng/v1 (switch account mode to SANDBOX)
Productionhttps://api.tagpay.ng/v1 (switch account mode to PRODUCTION)
Your account mode determines which environment API calls run in. Switch between modes by calling POST /merchant/account-mode with { "mode": "SANDBOX" } or { "mode": "PRODUCTION" }.
All new merchant accounts start in sandbox mode. Sandbox wallets, transactions, and keys are completely isolated from production. You can fund a sandbox wallet at any time using POST /merchant/fund-wallet without real money.

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How it works

1

Register your merchant account

Call POST /merchant to create your merchant account. You will receive a verification code by email and SMS to activate your account.
2

Verify and get API keys

Verify your account with the activation code, then retrieve your public and private API keys from GET /merchant/my-access-keys. Use these keys to sign webhook payloads.
3

Log in to get an access token

Call POST /auth/login with your email and password to receive an access token. Include this token as Authorization: Bearer <token> on every subsequent request.
4

Create customer wallets

Call POST /wallet with your customer’s details. Each wallet gets a unique Nigerian bank account number for receiving funds.
5

Process transactions and receive webhooks

Credit, debit, and transfer funds. Subscribe to webhook events to receive real-time notifications for every status change.

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Next steps

Quick start

Make your first API call in under 5 minutes

Authentication

Learn how to authenticate every API request