The Kuda Business API is a developer-friendly Open Banking API solution that helps businesses scale by giving them access to Kuda’s account opening, payment and instant settlement services. Our end-to-end financial services API gives startups and corporates real-time data access, up-to-date documentation and the power to make secure transactions.

Business API provides third party access to Kuda’s internal system by using a series of protocols, a client_id, a public_key, and a private_key.

Business API is very secure. Before data is sent through the system, developers are expected to encrypt their data in a request to us with a protocol, and decrypt our response using the same protocol.

Business API is very secure. Before data is sent through the system, developers are expected to encrypt their data in a request to us with a protocol, and decrypt our response using the same protocol.

To get access to the Kuda Business API, follow the steps below:

1. 1. Open a full Kuda Business account here. You’ll need your CAC registration documents.
2. 2. Click Business API on your Kuda Business dashboard.
3. 3. Click Activate Business API, then follow the prompts on your screen..

Sub accounts, Account transactions, Bill payments, Gift cards, Instant settlement and Webhooks.

To connect to an API, you need to follow these steps

1. 1. Firstly, make sure that you have fully onboarded to Kuda Business. If you haven't already done so, click here to sign up.
2. 2. Next, complete the sign-offs and agreement.
3. 3. Once you have been profiled, you will receive a notification confirming eligibility.
4. 4. Finally, check out the Getting Started section for further instructions.

Yes, your business must be registered in Nigeria because that’s where our APIs are domiciled.

At the moment, we charge for transfers (NIP transfers, transferring from Kuda to another bank).

There are no limitations but we have regulations that control transfers from a virtual Kuda account.

Once you’re done testing the APIs, you’ll need to connect your Kuda Business account to go live.

Please, apply for a Kuda Business account here.