Product Highlights

Consumer Credit History Lookup is now live

We have added the Consumer Credit History Lookup API to our Mono Lookup product suite. This endpoint enables businesses and developers in Nigeria to retrieve customers’ credit information using their BVN, which they have consented to share. This lets you access the customer’s recent and historical credit information of over 5 years directly from two of the biggest credit bureaus in Nigeria.

How does it work?

1. The customer consents with their BVN

2. You make a call to the Credit History endpoint and all the credit information linked to the customers’ BVN is returned. You can try it out here.

Pricing

• N300 per API call to one institution

• N600 per API call to both institutions

BVN Endpoint upgrade

We have upgraded the Mono BVN Lookup endpoint to include all bank accounts linked to a BVN. This enables you to retrieve your customers’ BVN identity details or their associated bank accounts, with their consent. This endpoint is also powered by the NIBSS iGree consent layer and has better uptime and reliability for data retrievals.

We previously offered this service via the 360view Lookup endpoint and will be deprecating it soon, and making it accessible through the BVN endpoint instead.

How does it work?

1. The business passes the customer’s BVN number with the bank_accounts scope

2. The customer selects their preferred OTP method (Email, phone, or alternative phone number)

3. NIBSS sends OTP to the customer

4. The customer completes the OTP Verification

5. Account numbers and bank information are returned depending on the scope of the BVN Lookup

You can try it out here.

Pricing

• N4.5 for each OTP sent to the user

• N10.5 for each customer identity details retrieved

• N300 per API call for Bank Account details

FAQs

• Can I still get bank account details through the 360view Lookup endpoint?

No, this service will be deprecated and only accessible via the BVN Lookup endpoint.

• Is the scope field required for BVN details API calls?

No, it's an optional field to ensure backward compatibility for our users.

Product Improvements

Financial institutions

• GTB Personal Banking Authentication Outage: We have resolved this issue and your users can now link their GTB mobile and internet banking accounts via the Mono Connect and DirectPay widget to securely share their financial data and initiate payments.

• Providus Corporate Banking Authentication Outage: This issue has been fixed and your users can now connect their Providus corporate banking accounts via the Mono Connect widget and securely share their financial data with your business.

• Sterling Corporate Banking Authentication Outage: This has also been resolved and your users can link their Sterling corporate banking accounts and securely share their financial data with your business.

Mono API

1. Upgraded our Account Number Lookup API to enable you verify a customer’s account and return their BVN, using their account number.

2. Released the NIP Bank Listing API to provide NIP bank coverage which contains the bank name, bank code, and nip code for each individual bank object, for Mono Lookup.

3. Released the Delete a Customer API for Direct Debit payments, which allows you to delete a single customer.

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Email us at support@mono.co