Wallet-as-a-Service (WaaS)
The Access Bank Wallet-as-a-Service (WaaS) platform enables businesses to embed secure, regulated digital wallet capabilities into their applications. This documentation guides you through integrating wallets, onboarding customers, processing transactions, and managing compliance-ready financial flows.
Getting Started with WaaS
Follow the steps below to begin integrating the Wallet-as-a-Service APIs:
Step 1: Access the Sandbox Environment
🔗 https://api-sandbox.accessbankplc.com
The sandbox environment allows you to test wallet creation, transactions, KYC validation, and webhooks using virtual funds. No real money is involved.
Step 2: Request API Credentials
To obtain your Merchant ID and Authentication Key, contact Access Bank and provide the following details:
- merchantName: Your company's name
- accountNo: Your account number
- callbackUrl: URL for transaction and account upgrade notifications
- accountCreationFee: As agreed upon with the merchant
Once these details are submitted, Access Bank will issue your credentials.
Step 3: Obtain API Credentials
Each merchant is issued a Merchant ID and an Authorization Key. These credentials are required to authenticate and generate a Bearer token for all secured API requests.
Step 4: Authenticate and Generate Access Token
Use your credentials to call the authentication endpoint and obtain a time-bound Bearer token. This token must be included in the Authorization header for all subsequent API calls.
Step 5: Begin Wallet Operations
Once authenticated, you can proceed to:
- Purchase your validation credit using the Purchase Validation Credit endpoint (
POST /waas/Merchant/load-wallet) - Validate customers (KYC & screening)
- Create wallets
- Perform transfers and debits
- Track transactions and wallet balances
Ensure your wallet is funded before starting operations
