Monnify

Provider ID: monnify

Monnify is a Nigeria-focused provider with strong bank transfer support. It expects amounts in major units (naira), but you still pass minor units (kobo) to Sanwo – the engine divides by 100 automatically.

Important: Monnify requires a contractCode in addition to your API key. You get this from the Monnify dashboard when you create a contract.

Installation

npm

npm i @sanwohq/monnify

Flutter

flutter pub add sanwo_monnify

iOS (SPM)

In Xcode, go to File > Add Package Dependencies and add:

https://github.com/Sanwohq/ios

Select the SanwoMonnify product.

Android (JitPack)

Add JitPack to settings.gradle.kts:

dependencyResolutionManagement {
    repositories {
        maven { url = uri("https://jitpack.io") }
    }
}

Then add the dependency in build.gradle.kts:

implementation("com.github.Sanwohq.android:sanwo-monnify:1.0.0")

Setup

import { monnify } from "@sanwohq/monnify";

const provider = monnify({
  apiKey: "MK_TEST_xxxxxxxxxxxx",
  contractCode: "1234567890",
});

Both apiKey and contractCode are required. Get them from the Monnify Dashboard.

Amount handling

Monnify uses major units (naira) natively. Sanwo converts automatically (amountInMinorUnit: false internally).

You pass	Monnify receives	Meaning
500000	5000	5,000.00 NGN
100	1	1.00 NGN

You always pass minor units to Sanwo. The conversion is invisible to your code.

Supported currencies

NGN

Supported countries

NG

Payment methods

card, bank_transfer, ussd, phone_number

Provider-specific options

Pass these via sanwoProviderOptions on web/React, or as flat fields on Flutter and mobile SDKs.

Option	Type	Required	Description
contractCode	string	Yes	Monnify contract code (set during provider init)
redirectUrl	string	No	URL to redirect the customer after payment
paymentMethods	string[]	No	Restrict available methods
isTestMode	boolean	No	Use Monnify sandbox environment

Available paymentMethods values

"CARD", "ACCOUNT_TRANSFER", "USSD", "PHONE_NUMBER"

Usage examples

Basic checkout

Web / React

const result = await checkout({
  amount: 500000,
  currency: "NGN",
  customer: { email: "customer@example.com" },
});

The contractCode is already set on the provider, so no extra options are needed for a basic payment.

Flutter

final result = await sanwo.checkout(
  CheckoutOptions(
    amount: 500000,
    currency: 'NGN',
    customer: Customer(email: 'customer@example.com'),
  ),
);

Restrict to bank transfer only

Web / React

const result = await checkout({
  amount: 500000,
  currency: "NGN",
  customer: { email: "customer@example.com" },
  sanwoProviderOptions: {
    paymentMethods: ["ACCOUNT_TRANSFER"],
    redirectUrl: "https://example.com/payment/callback",
  },
});

Flutter

final result = await sanwo.checkout(
  CheckoutOptions(
    amount: 500000,
    currency: 'NGN',
    customer: Customer(email: 'customer@example.com'),
    paymentMethods: ['ACCOUNT_TRANSFER'],
    redirectUrl: 'https://example.com/payment/callback',
  ),
);

Test mode

import { monnify } from "@sanwohq/monnify";

const provider = monnify({
  apiKey: "MK_TEST_xxxxxxxxxxxx",
  contractCode: "1234567890",
  isTestMode: true,
});

Use isTestMode: true during development. Test credentials are available in the Monnify Developer Portal.