FunZ API integration services (Nigeria wallet, bills & tickets)

Deliverables checklist

• OpenAPI 3.1 specification covering login, wallet, statements, bills, tickets, and rewards
• Protocol and auth flow report: token chain, request signing, refresh, and replay-defence notes
• Runnable source code in Python and Node.js, with retry, paging, and idempotency helpers
• Webhook listeners for transfer success, bill settlement, and ticket scan events
• Postman collection plus automated integration tests with mocked and live fixtures
• Compliance kit aligned with the CBN Operational Guidelines for Open Banking and the NDPR

Two engagement models

Source code delivery from $300 — you receive runnable API source, full docs, and tests; pay after delivery upon satisfaction. The hosted pay-per-call option exposes the same FunZ endpoints behind our gateway with usage-based billing, useful for PoCs, hackathons, and traffic-spiky integrations such as event-day ticket scans.

Both models include a 30-day support window covering FunZ upstream-protocol changes — important because Nigerian fintech apps iterate aggressively in 2025 and 2026 around the CBN Open Banking rollout.

1. SME bookkeeping & reconciliation

A small retailer accepts FunZ QR payments at the counter. We connect FunZ wallet and bank-out statement APIs to a bookkeeping tool such as Zoho or QuickBooks. Each settlement is matched to the originating order, with daily Excel exports for the accountant. Maps directly to OpenBanking "account information service provider" patterns under the CBN framework.

2. Corporate airtime & data disbursement

An HR platform reimburses field staff for airtime and mobile data. The FunZ bill payment API is wrapped behind a bulk-disbursement endpoint; each call returns a settlement reference plus carrier identifier. The integration uses webhook callbacks so disbursements are recognised as completed in the company ERP within seconds.

3. Event organiser dashboards

A concert promoter uses FunZ Ticketing to sell access. We expose ticket inventory, order list, and QR check-in events as a feed into a Looker Studio dashboard, surfacing real-time gate flow, refund rate, and tier sell-through. The same feed can drive an on-site big-screen counter.

4. Cross-app statement aggregator

A personal-finance app already integrates OPay, PalmPay, and Kuda. Adding FunZ extends coverage for the event-ticketing-heavy demographic. All four wallets are normalized into a unified statement schema with consistent field names, currency codes, and category tagging.

5. Compliance & AML reporting

A regulated fintech needs structured monthly statements per BVN. We push transfer logs, bill payments, and ticket purchases into an immutable analytics store with hashing of personally identifiable fields, ready for the regulator's Suspicious Transaction Report templates.

Token exchange (OAuth-style)

POST /api/v1/funz/auth/token
Content-Type: application/json

{
  "grant_type": "password",
  "username": "0803xxxxxxx",
  "password": "<hashed>",
  "device_id": "and-9f3c-...",
  "transaction_pin_hash": "<sha256>"
}

200 OK
{
  "access_token": "eyJhbGciOi...",
  "refresh_token": "rt_3f7d...",
  "expires_in": 3600,
  "funz_tag": "@chiamaka"
}

Statement export

POST /api/v1/funz/statement
Authorization: Bearer <ACCESS_TOKEN>
Content-Type: application/json

{
  "from_date": "2026-04-01",
  "to_date": "2026-04-30",
  "channels": ["funz_tag","bank_out","bill_payment"],
  "page": 1,
  "page_size": 100
}

Response items:
{
  "id": "tx_01HW8...",
  "channel": "bill_payment",
  "biller": "ekedc",
  "amount_minor": 350000,
  "currency": "NGN",
  "status": "SUCCESS",
  "occurred_at": "2026-04-18T09:14:11Z",
  "meter_token": "1234-5678-9012-3456"
}

Webhook: ticket scan event

POST https://yourapp.com/funz/webhooks
X-FunZ-Signature: t=1715600000,v1=<hmac-sha256>
Content-Type: application/json

{
  "event": "ticket.scan",
  "event_id": "evt_01HW9...",
  "order_id": "ord_01HW8...",
  "ticket_id": "tkt_8721",
  "venue_id": "ven_eko_atlantic",
  "scanned_at": "2026-05-11T19:42:08Z",
  "scanner_user": "gate-3"
}

Replay defence: verify signature, then reject if
event_id was already processed.

Nigerian regulatory alignment

FunZ operates inside Nigeria's emerging Open Banking regime. The Central Bank of Nigeria issued its Operational Guidelines for Open Banking in 2023 and confirmed in late 2024 that Open Banking, contactless payments, and the regulatory sandbox are top 2025 priorities. The phased go-live continues through 2025–2026 with consent management tied to BVN. Our deliverables include consent records and an audit log compatible with this regime.

Data protection & minimisation

All integrations follow the Nigeria Data Protection Regulation (NDPR) and, where European users are involved, GDPR. We deliver: explicit user-consent screens, scoped tokens (read-only by default), tokenised PII fields, automatic redaction of meter tokens and full PAN, and configurable retention windows so client teams can pass external audits without reworking the integration.

OPay

One of the most widely used Nigerian wallets; stores top-up history, transfer records, and POS settlement data. Often paired with FunZ to give a single user a unified statement view.

PalmPay

Consumer-led wallet with airtime, bills, and transfer features overlapping FunZ. Cross-platform reconciliation requires normalising sender/receiver phone fields and biller codes.

Kuda Bank

Digital bank with cards, savings, and overdraft; holds richer KYC and loan ledger data alongside the wallet, which complements FunZ's lifestyle-focused dataset.

Moniepoint

Strong on agent banking and SME merchant accounts; settlement reports here pair well with FunZ retail wallet transactions for end-to-end SME bookkeeping.

Paga

Long-running mobile money platform; useful for cross-channel disbursement scenarios where some beneficiaries are not yet on FunZ.

ALAT by Wema

Fully digital bank from Wema; offers a more bank-grade statement format that maps cleanly to OpenBanking AISP responses, useful as a schema reference.

Tix Africa

Lagos-based ticketing startup; recorded ₦2 billion in 2023 ticket sales. Organisers running events on both FunZ and Tix Africa need consolidated inventory and check-in feeds.

Nairabox

Cinema and event ticketing app with push-notification-driven discovery; integrators often request a unified ticket-order feed combining FunZ and Nairabox.

Eventbrite (Nigeria)

Global ticketing brand used for professional events and webinars in Nigeria; a common companion when an organiser sells the same event in both consumer-friendly (FunZ) and global (Eventbrite) storefronts.

About us

We are an independent studio focused on fintech and open-data API integration. Our team blends engineers from Nigerian payment processors, protocol-analysis backgrounds, and cloud infrastructure. We understand the CBN Open Banking timeline, the NDPR, NIBSS settlement conventions, and the practical realities of building against fast-moving apps like FunZ.

• Wallet, digital banking, lending, and event-ticketing integrations
• Enterprise API gateways, request signing, and security reviews
• Custom SDKs in Python, Node.js, and Go with strong test harnesses
• Full pipeline: protocol analysis → build → validation → compliance kit
• Source code delivery from $300 — receive runnable API source and full documentation; pay after delivery upon satisfaction
• Pay-per-call API billing — access our hosted FunZ API and pay only per call, no upfront cost; ideal for PoCs and usage-based pricing

Contact

For quotes or to submit your target app and requirements, open our contact page:

Contact page

Engagement workflow

1. Scope confirmation: which FunZ features (wallet, bills, ticketing, rewards) and which downstream consumers.
2. Protocol analysis and OpenAPI draft (2–5 business days, complexity-dependent).
3. Build, internal validation, and webhook signing setup (3–8 business days).
4. Docs, Postman collection, sample apps, and integration tests (1–2 business days).
5. Typical first delivery: 5–15 business days; multi-region compliance reviews may extend timelines.

FAQ

What FunZ data can be exposed via an API?

How long does a FunZ integration usually take?

Is this compliant with Nigerian regulations?

Can you deliver pay-per-call hosted APIs instead of source code?