FinoQ
Overview
FinoQ API 2.0.0
Section titled “FinoQ API 2.0.0”The FinoQ API lets you collect and disburse money across Africa over mobile money (MoMo), bank and card rails, through a single unified endpoint.
Base URL
The production base URL is https://api.finoq.africa. All requests are
made against this host (referred to as BACKEND_URL_V2 in the Postman
collection).
Authentication
Every authenticated endpoint uses HTTP Basic authentication. Generate an API key (username + password) from your FinoQ dashboard, then send them as the Basic credentials:
Authorization: Basic base64(<API_USERNAME>:<API_PASSWORD>)Your credentials map to the Postman variables X-PH-API-USERNAME and
X-PH-API-PASSWORD.
Callbacks
Final transaction results are delivered asynchronously to the callback_url
you provide on each request. See the Callbacks section for the payload
shape.
The unified Payments endpoint
POST /api/global/payments handles both collections (pay-in) and
disbursements (pay-out). The request_type field selects the direction:
request_type |
Direction | Description |
|---|---|---|
payment |
Pay-in | Collect money from a customer |
withdrawal |
Pay-out | Send money to a recipient |
The same request shape works across countries (KE, TZ, ZM, BW, NG, …) — you
change currency, country, and the provider/network details.
Authentication
Section titled “Authentication”basicAuth
Section titled “basicAuth”HTTP Basic auth using the API username (X-PH-API-USERNAME) and password (X-PH-API-PASSWORD) generated from your FinoQ dashboard.
Security scheme type: http