PalmPay API Integration & Open Finance Solutions

Delivery bundle

• OpenAPI / Swagger specifications and requests examples
• Protocol and authorization flows analysis (Token, Session, Signatures)
• Runnable backend sources (Node.js / Python) with README
• Webhook and asynchronous notification middleware
• Automated test scripts and Postman collections
• Compliance guidance (data retention, logging, consent)

Sample: transaction reconciliation & balance queries

# Query real-time balance (example)
GET /api/v1/palmpay/balance
Authorization: Bearer <ACCESS_TOKEN>

{
  "user_id": "msisdn:+2348012345678",
  "from_date": "2025-10-01",
  "to_date": "2025-10-31",
  "type": "transfer",
  "page": 1,
  "page_size": 100
}

Response: {
  "status": "OK",
  "data": [ {"txn_id":"TXN-1","date":"2025-10-10T12:34:56Z","amount":-500.00,"narration":"Pay to John","status":"SUCCESS"} ],
  "page":1,
  "total_pages":3
}

# Initiate a real-time transfer
POST /api/v1/palmpay/transfer
{ "from_account":"wallet:12345", "to_bank":"GTB", "to_account":"0123456789", "amount":2000.00, "currency":"NGN", "idempotency_key":"uuid-xxx" }

Typical integration scenarios

Balance sync, bulk salary disbursement, merchant acquiring via QR/PayLink, card management and agent withdrawals, wealth product payout reconciliation and automation, AML screening and compliance logging.

Core advantages

• Compliance-first: guidance for Nigerian regulators and PCI requirements
• Fast delivery: from protocol analysis to a minimal viable integration with optional expansions
• Reusable SDKs: Node/Python/Go example libraries and middleware
• Testable and auditable: logs, consent records, automated regression tests
• Localization readiness: multilingual error codes, currencies and billing policies

Compliance & security

All work is performed on client authorization or publicly accessible APIs. We implement least privilege, encrypted transmission, and auditable logging; NDA and security assessments available if needed.

Our Studio

We are a boutique focused on mobile app protocol analysis and compliant API integration. Our team comes from payments, banking and cloud services, delivering end-to-end services from protocol reverse engineering to runnable code and documentation.

• OpenAPI docs, sample code and test plans
• Android/iOS protocol analysis and SDK integration
• Transparent pricing: starting at $300 with per-delivery payment

Contact & Next Steps

To get a quote or submit a target app name and integration requirements, use our contact page:

Visit contact page / Submit a request