ReGiftMe API integration & OpenData services (Naira / Cedi gift card trading)

A real fintech ledger, not a static catalog

Every gift card submission on ReGiftMe carries the full life cycle of a fintech transaction: card brand, region, face value, dispute state, the exchange rate at trade time, the payout currency (Naira or Cedi) and the settlement channel. That makes the underlying records useful well beyond the consumer app — accounting teams need them for reconciliation, risk teams need them for AML scoring, and partners need them for revenue share. An OpenData wrapper exposes those records in a standard JSON shape.

African market context (2024–2026)

The African gift card trading sector has matured quickly: in April 2026 Prestmit launched a developer API that lets fintech partners plug into gift card trading directly, signaling that machine-readable access is the new baseline. Cardtonic, Ricki, Tbay, GiftCardsToNaira and NOSH all compete for the same Nigerian and Ghanaian audience that uses ReGiftMe, and businesses building dashboards or aggregators across this category increasingly need a unified data layer rather than per-app screen scraping.

Aligned with OpenFinance principles

The Central Bank of Nigeria has been pushing Open Banking and OpenFinance frameworks since 2023, and the Nigeria Data Protection Act (NDPA 2023) plus the NDPC's enforcement rules now make consent, audit logging and data minimization mandatory. We design every ReGiftMe integration to fit that pattern from day one: every API call is tied to an explicit user authorization, every export is logged, and every payload only carries the fields the caller actually needs.

Authorization & session module

Reproduces ReGiftMe's mobile login: email or phone OTP, password verification, device binding, session token refresh and logout. Used by partner backends to act on behalf of the user when uploading a card or pulling a statement.

Gift card trade history API

Returns submitted cards by date range and status (pending, accepted, paid, rejected) with brand, denomination, region, attached image hash, the rate quoted at submission and the final NGN/GHS payout. Used for daily revenue reports and dispute audits.

Live exchange rate feed

Polls or subscribes to ReGiftMe's brand-by-brand buy rates (e.g. Amazon US physical, iTunes UK, Steam) so partner platforms can show up-to-date Naira and Cedi quotes and trigger arbitrage alerts when spreads exceed a threshold.

Points, check-in & reward draws

Exposes the user's points balance, daily check-in streak, prize-draw entries and reward redemptions as timestamped events. Used to power loyalty CRMs and to detect abuse patterns in promotional campaigns.

Trading leaderboard analytics

Pulls the public trading leaderboard (volumes, ranks, rewards) so growth teams can benchmark a user cohort against the wider community without building their own scraper.

Withdrawal & payout statements

Date-ranged feed of Naira bank withdrawals and Ghanaian Mobile Money payouts, including channel, beneficiary mask, status, fee and net amount. Output formats: JSON, Excel and signed PDF for audit.

1. Daily reconciliation for a Lagos-based aggregator

A Nigerian fintech aggregator wants to reconcile every Amazon and iTunes card a treasury team trades through ReGiftMe with the matching NGN credit on the corporate bank account. Our integration calls /v1/regiftme/trades with yesterday's date range, joins each trade to a withdrawal record from /v1/regiftme/payouts, and writes the joined data into the customer's BigQuery warehouse. Maps cleanly to OpenFinance "transaction history" semantics.

2. Live Cedi quote engine for a Ghanaian arbitrage desk

A Ghanaian partner runs a quote engine that compares Cedi rates across ReGiftMe and similar African gift card platforms. The integration subscribes to a webhook on ReGiftMe's brand catalog, normalizes brand_code, region, variant and buy_rate_ghs into the partner's internal schema, and triggers Telegram alerts when the spread vs. the partner's reference rate crosses 3%.

3. KYC re-use for a remittance partner

A remittance app wants to onboard ReGiftMe users without re-doing the BVN check. With the user's consent, our adapter fetches the verified profile fields (name, phone, BVN status, verification timestamp) and signs them into a JWT the remittance partner can verify — no raw documents leave the ReGiftMe boundary, satisfying NDPA data-minimization rules.

4. Loyalty CRM ingestion

A growth team replicates ReGiftMe's points, check-in streak, and prize draw events into a CRM (e.g. CleverTap, Braze) every 30 minutes. Each event is mapped to an OpenData "loyalty_event" entity with user_id, event_type, points_delta and at fields, ready for journey orchestration and churn prediction.

5. AML & fraud signal feed

A risk team needs near-real-time visibility into card submissions that look like collusion (same beneficiary bank account, multiple devices, repeating image hashes). Our pipeline emits a fraud-signal event whenever a trade matches a configured rule, attaches the relevant audit metadata, and forwards it into the customer's SIEM. Fits OpenFinance "consent + analytics" patterns required under CBN Open Banking guidelines.

Login & session refresh (pseudocode)

POST /api/v1/regiftme/auth/login
Content-Type: application/json

{
  "identifier": "+2348012345678",
  "credential": "<otp_or_password>",
  "device_id": "dvc-9f2c-...",
  "region": "NG"
}

200 OK
{
  "access_token": "eyJhbGciOi...",
  "refresh_token": "rfr_b91c...",
  "expires_in": 1800,
  "user_id": "usr_18a72c",
  "kyc_level": "tier_2"
}

Trade history export (pseudocode)

GET /api/v1/regiftme/trades
  ?from=2026-04-01&to=2026-04-29
  &status=paid&currency=NGN&page=1
Authorization: Bearer <ACCESS_TOKEN>

200 OK
{
  "page": 1, "total": 47,
  "items": [{
    "trade_id": "tr_44f1",
    "brand": "Amazon",
    "variant": "US_PHYSICAL_50",
    "submitted_at": "2026-04-28T11:14:02Z",
    "rate_ngn": 1380.5,
    "payout_ngn": 69025.0,
    "status": "paid"
  }]
}

Webhook: payout settled (pseudocode)

POST https://partner.example.com/regiftme/hook
X-ReGiftMe-Signature: t=1714...,v1=8d3c...

{
  "event": "payout.settled",
  "trade_id": "tr_44f1",
  "user_id": "usr_18a72c",
  "channel": "ng_bank_transfer",
  "beneficiary_mask": "**** 4421",
  "net_amount": 69025.0,
  "currency": "NGN",
  "settled_at": "2026-04-28T11:18:51Z"
}

// Verify HMAC-SHA256(signature, body, secret)
// Reject if drift > 5 minutes

Nigeria Data Protection Act (NDPA 2023) & NDPC

The NDPA replaced the older NDPR in June 2023 and is now enforced by the Nigeria Data Protection Commission (NDPC). Penalties can reach NGN 10 million or 2% of annual gross revenue, whichever is higher. Every ReGiftMe integration we ship records the legal basis for processing, the consent reference, and the retention window — and we ship a deletion endpoint that respects data subject erasure requests.

CBN Open Banking guidelines

The Central Bank of Nigeria's Open Banking framework asks payment service providers and partners to operate on a "consent + audit" model. Our adapters sign every authorization with a short-lived token, log the calling tenant and IP, and rotate keys on a fixed cadence. Equivalent posture is applied for Ghanaian Mobile Money flows under the Bank of Ghana's payment rules.

KYC, AML & data minimization

Gift card trading is a known target for fraud and money laundering, so we treat the AML angle as a first-class deliverable: rule packs for repeat-beneficiary detection, image-hash collision detection on uploaded cards, and velocity rules. On the privacy side, the default payload mask hides BVN, full bank account numbers and email; callers must pass an explicit scope token to receive any sensitive field.

Deliverables checklist

• OpenAPI / Swagger specification for all endpoints
• Protocol & auth flow report (token chain, signing, refresh)
• Runnable source code for login, trade history, payout export, webhooks (Python / Node.js / Go)
• Automated tests, sandbox fixtures and Postman collection
• Compliance guidance pack (NDPA, CBN Open Banking, KYC/AML)
• Deployment notes for Docker, AWS and on-prem

Engagement workflow

1. Scope confirmation: which screens, which data, which currencies (NGN / GHS).
2. Protocol analysis & API design (2–5 business days).
3. Build & internal validation against a sandbox account (3–8 business days).
4. Documentation, samples and test cases (1–2 business days).
5. Typical first delivery: 5–15 business days. Pay-per-call hosting available with no upfront fee.

FAQ

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Who we are

We are an independent technical studio specializing in App interface integration and authorized API integration. Our team has years of hands-on experience in mobile applications, payments, and African fintech, and we deliver one-stop services covering protocol analysis, interface refactoring, OpenData integration, third-party API integration, automated data scripting and interface documentation.

• Marketed to overseas clients; familiar with mainstream apps' interface standards and authorization methods across countries.
• Compliant and lawful interface implementations aligned with local laws and privacy protection requirements.
• Both Android and iOS, with ready-to-use API source code, interface documentation and test plans.
• Source code delivery from $300 — runnable API source and documentation; pay after delivery upon satisfaction.
• Pay-per-call API billing — access our hosted API and pay only per call, no upfront cost.

Contact

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

Go to contact page

You can describe your target app and the data scope you need; we'll come back with a scoped quote within one business day.