Moniepoint Business 接口集成 · OpenFinance · 收单 & 商户银行

为尼日利亚中小企业与代理网络提供 Moniepoint 收款、账户与 POS 接口的协议分析与可运行 API 源码交付。

起价 $300
OpenData · OpenFinance · 协议分析 · POS / API 集成

将 Moniepoint 的企业银行与收单能力快速、安全地接入您的系统

我们提供 Moniepoint Business（商户账户、POS、收款链接、批量转账、代理端）协议分析、OpenAPI 规范、Webhook 集成与生产级 SDK。支持沙箱验证与合规建议。

收单与结算对接 — 集成 POS/二维码/链接收款，管理结算周期与对账流水，自动对账并导出 CSV / XLS / JSON。
商户账户与卡管理 — 自动开户流程、卡片申请、卡限额与冻结/解冻控制的 API 实现。
代理与门店多租户 — 支持代理账号、子商户分层权限、结算规则与批量放款（工资、应付）接口。
合规与安全实现 — PCI / ISO 建议、证书固定(certificate pinning)、HMAC 签名、动态速率限制与审计日志。
立即咨询 查看交付项

交付项（示例）

我们通常交付

  • OpenAPI (Swagger) 接口规范
  • 协议分析报告（认证、签名、加密、请求/响应样例）
  • 可运行后端示例代码（Node.js / Python），含 SDK 与集成指南
  • Webhook 与对账自动化脚本
  • 测试计划、负载估算与安全建议（PCI / 本地法规）

示例：快速接入收款 (伪代码)

// 创建支付链接（示例 Node.js 伪代码）
POST /api/v1/moniepoint/paylinks
Authorization: Bearer <INTEGRATION_KEY>
Content-Type: application/json
{
  "merchant_id":"MERCHANT123",
  "amount": 2500.00,
  "currency":"NGN",
  "description":"Invoice #3456",
  "callback_url":"https://api.yourapp.com/webhooks/moniepoint"
}

Response 201: {
  "status":"created",
  "paylink":"https://pay.moniepoint.ng/lnk/abcd1234",
  "expires_at":"2025-12-10T12:00:00Z"
}

重点模块

认证与授权、支付 / 收单、Webhook 对账、批量放款与退款、交易监控、商户与分润管理、POS 设备下发与固件校验。

集成步骤（建议）

  1. 提供需求：目标场景（收单/批量发放/代理管理/POS 管理）、合规约束与目标交付物。
  2. 沙箱与凭证准备：申请 Moniepoint 沙箱商户号、API Key、POS 序列号（如适用）。
  3. 协议分析（2-4 工作日）：抓包 / 抽象接口（若为 App 协议分析）或对接公开 API 文档。
  4. 开发与单元测试（3-10 工作日）：交付 SDK、Webhooks 处理与对账工具。
  5. 功能验证与负载测试（2-5 工作日）：安全扫描与合规检查。
  6. 生产化部署与运维建议：提供部署脚本、监控与回滚方案。

典型交付周期与费用

小型集成（单一收款场景）通常 5-12 个工作日；中型（商户管理 + 对账）10-25 个工作日。基础服务起价 $300，可选协议逆向分析或 App 协议解析另计。

安全与合规要点

  • 优先使用 TLS1.2+，支持 HSTS 与证书固定 (certificate pinning)
  • 敏感操作使用双因素或交易级 OTP / Secure OTP
  • Webhook 验证：HMAC-SHA256 签名 + 时间窗口防重放
  • 日志与审计：最小化敏感数据并存储审计链以便合规检查
  • 遵循当地监管（例如 CBN / CBN 指南，PCI-DSS 如适用）

示例：Webhook 验证（伪代码）

// 接收 Moniepoint Webhook 的伪代码（Node.js Express）
app.post('/webhooks/moniepoint', (req,res)=>{
  const payload = req.rawBody; // 原始 body
  const signature = req.headers['x-mp-signature'];
  const secret = process.env.MONIEPOINT_WEBHOOK_SECRET;
  const expected = hmac('sha256', secret, payload);
  if(!timingSafeEqual(expected, signature)) return res.status(401).end();
  // 处理事件
  res.status(200).json({ok:true});
});

关于我们

我们是一家专注于 App 协议分析与开放金融 (OpenFinance / OpenData) 的技术工作室。团队核心成员有多年移动端、支付网关与金融接口集成经验。我们为客户提供从协议分析、接口重构、OpenAPI 文档、到可运行 SDK 与测试脚本的端到端交付服务，强调合规、安全与可维护性。

  • 支持 Android / iOS 协议分析与接口实现
  • 可交付 Node.js / Python / Go 示例代码与 SDK
  • 提供合规建议（本地法规、隐私、KYC、日志保留）
  • 透明报价、先交付后付款（起步 $300）

联系方式

如需报价、提交 App 名称或需求说明，请访问我们的联系方式页面：

查看联系方式

📱 原始 App：Moniepoint Business（完整说明，折叠显示）

原始描述（来自客户提供内容）：

Moniepoint provides businesses with access to mobile business banking solutions that enables them to create their own business bank account, accept online and offline payments, purchase airtime, pay utility bills, transfer money, request expense cards, and qualify for business loans. More than 2 million business customers trust Moniepoint with their business bank account to help them achieve their business goals. BUSINESS BANKING SOLUTIONS FOR EVERY BUSINESS & AGENT Moniepoint Business Bank provides simple yet effective solutions for businesses and agents, so you can manage bills, request loans, buy airtime, manage business money transfer operations and grow without limits: - Business Bank account. Now, you can get a business bank account in your business name right from your phone with our easy business banking solution. - Business savings plans. Save money smartly with our savings plans, tailored to your business needs. - Send and receive money. Send money to business or any money transfer effortlessly & with no hidden charges; you have complete control over your bank account, ensuring your funds reach their intended recipients quickly and securely from your business account. - POS terminals: Receive card and bank transfer payments easily with the Moniepoint POS. Request for a POS terminal right from the app and have it delivered to your doorstep within 48 hours. - Business expense cards: Moniepoint's expense cards will help you manage your business expenses more efficiently. With our expense cards, you can track your spending in real time and set spending limits in your business bank account. Our expense cards cost only N1,000 and you can have them delivered for only N1,000. - Working capital loans: Moniepoint offers working capital loans for businesses with effective interest rates of 2 - 3% per month. Our business loans are easy to qualify for and can be used for a variety of purposes such as inventory, expansion, or payroll. Apply in as little as 5 minutes and get a decision on loan approval within 48 hours. Our online business loan application is available 24/7! - Airtime & Data Purchase with Cashback: For each time you purchase airtime and data directly from the app, you’ll receive 2% of cashback in return. THE BEST BUSINESS BANKING SOLUTION TO MANAGE YOUR BUSINESS BANK ACCOUNT Experience the better way to bank your business and much more, all within the Moniepoint Business Banking app. Moniepoint’s mobile banking interface guarantees a seamless business banking, empowering you to focus on what matters most: growing your business. From the app you will be able to manage your business bank account with operational tools like expense cards, accounting and bill payment solutions for businesses to run seamlessly. Moniepoint started as an agent banking network, but has evolved to a business and personal banking provider. At Moniepoint, we are dedicated to empowering businesses like yours with access to working capital loans they need to grow their business. Moniepoint Microfinance Bank is the definitive bank for small and medium-sized businesses in Nigeria and is regulated by the Central Bank of Nigeria (CBN)- https://www.cbn.gov.ng/supervision/inst-mf.asp . Contact us Our committed support team is prepared to assist you. Helpline: 01 888 9990 Website: www.moniepoint.com Whatsapp: +234 908 843 0803 Facebook: @moniepointng Twitter: @moniepointng Instagram: @moniepointng YouTube: @moniepointng LinkedIn: Moniepoint Nigeria Address: Plot 7A, Block 4, Admiralty Road, Lekki Phase 1, Lagos State. Within the Moniepoint Business Banking app you can create your business bank account in minutes, receive or send money instantly, buy airtime, pay bills and request expense cards & POS terminals in less than 48h, on top of working capital loans for your convenience. Join our community of over 2,000,000 satisfied businesses! Become a Moniepoint business owner or agent today!