Introduction

What you can build

Collect payments (Inflow)

Issue static NGN virtual accounts tied to your customers so they can pay in at any time
Generate dynamic NGN virtual accounts for one-time invoice or order payments with exact-amount enforcement
Accept Mobile Money payments from customers across supported countries

Send payouts (Outflow)

Transfer NGN directly to any Nigerian bank account
Send Mobile Money payouts to phone numbers across supported operators and countries

Manage your data

Create and manage customer profiles linked to virtual accounts
Track incoming deposits and outgoing transfers with full status history
Subscribe to webhooks for real-time event notifications

Base URL

All API requests are made to:

Production:  https://api.withcapera.com/b2b
Staging:     https://api.stg.withcapera.com/b2b

Use the staging environment while building. Switch to production when you are ready to go live.

How the API works

The Capera B2B API is RESTful. All requests and responses use JSON. Authentication is via an API key passed as a Bearer token in the Authorization header.

Every response follows a consistent envelope:

{
  "success": true,
  "data": {},
  "error": null,
  "meta": null,
  "requestId": "req_abc123def456",
  "timestamp": "2024-01-01T12:00:00Z"
}

Field	Description
`success`	`true` if the request succeeded, `false` otherwise
`data`	The response payload for this endpoint
`error`	Present when `success` is `false`; contains `code` and `message`
`meta`	Pagination metadata for list endpoints
`requestId`	Unique identifier for this request — include it when contacting support
`timestamp`	ISO 8601 timestamp of the response

Before you start

Create a Capera account — Sign up at dashboard.withcapera.com
Get your API key — Navigate to Settings → API Keys and generate a key
Choose your environment — Use a sk_test_ key for staging and sk_live_ for production
Set up webhooks — Register a webhook URL to receive real-time payment notifications

Ready? Start with the Quickstart: Receive a Payment or the Quickstart: Make a Transfer.