Monnify Verification API

openapi: 3.1.0
info:
  title: Monnify Verification API
  description: >
    Validate a Nigerian bank account number (Name Inquiry), match a Bank
    Verification Number (BVN) against an account, and verify National
    Identification Numbers (NIN). These checks underpin KYC, beneficiary
    verification on disbursement, and fraud prevention.
  version: '1.0'
  contact:
    name: Monnify Developer Support
    url: https://developers.monnify.com
servers:
  - url: https://api.monnify.com
    description: Production
  - url: https://sandbox.monnify.com
    description: Sandbox
security:
  - BearerAuth: []
tags:
  - name: Verification
    description: Identity, BVN, NIN, and account verification.
paths:
  /api/v1/disbursements/account/validate:
    get:
      summary: Monnify Validate Bank Account
      description: Returns the registered account name for a bank account number and bank code.
      operationId: validateAccount
      tags: [Verification]
      parameters:
        - name: accountNumber
          in: query
          required: true
          schema: { type: string }
        - name: bankCode
          in: query
          required: true
          schema: { type: string }
      responses:
        '200':
          description: Account holder name.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/AccountValidationEnvelope'
  /api/v1/vas/bvn-account-match:
    post:
      summary: Monnify Match BVN To Bank Account
      description: Verify that a BVN belongs to the owner of a given bank account.
      operationId: matchBvnToAccount
      tags: [Verification]
      requestBody:
        required: true
        content:
          application/json:
            schema:
              type: object
              required: [bvn, bankCode, accountNumber]
              properties:
                bvn: { type: string }
                bankCode: { type: string }
                accountNumber: { type: string }
      responses:
        '200':
          description: BVN match result.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/BvnMatchEnvelope'
  /api/v1/vas/bvn-details/{bvn}:
    get:
      summary: Monnify Get BVN Details
      description: Returns demographic details associated with a BVN.
      operationId: getBvnDetails
      tags: [Verification]
      parameters:
        - name: bvn
          in: path
          required: true
          schema: { type: string }
      responses:
        '200':
          description: BVN details.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/BvnDetailsEnvelope'
  /api/v1/vas/verify-nin:
    post:
      summary: Monnify Verify NIN
      description: Validate a National Identification Number (NIN) against demographic details.
      operationId: verifyNin
      tags: [Verification]
      requestBody:
        required: true
        content:
          application/json:
            schema:
              type: object
              required: [nin]
              properties:
                nin: { type: string }
                dateOfBirth: { type: string, format: date }
                phoneNumber: { type: string }
      responses:
        '200':
          description: NIN verification result.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/NinEnvelope'
components:
  securitySchemes:
    BearerAuth:
      type: http
      scheme: bearer
      bearerFormat: JWT
  schemas:
    AccountValidationEnvelope:
      type: object
      properties:
        requestSuccessful: { type: boolean }
        responseMessage: { type: string }
        responseCode: { type: string }
        responseBody:
          type: object
          properties:
            accountNumber: { type: string }
            accountName: { type: string }
            bankCode: { type: string }
    BvnMatchEnvelope:
      type: object
      properties:
        requestSuccessful: { type: boolean }
        responseMessage: { type: string }
        responseCode: { type: string }
        responseBody:
          type: object
          properties:
            bvn: { type: string }
            accountNumber: { type: string }
            bankCode: { type: string }
            matchStatus: { type: string, enum: [MATCHED, PARTIAL_MATCH, NO_MATCH] }
    BvnDetailsEnvelope:
      type: object
      properties:
        requestSuccessful: { type: boolean }
        responseMessage: { type: string }
        responseCode: { type: string }
        responseBody:
          type: object
          properties:
            bvn: { type: string }
            firstName: { type: string }
            middleName: { type: string }
            lastName: { type: string }
            dateOfBirth: { type: string, format: date }
            phoneNumber: { type: string }
            gender: { type: string }
            registrationDate: { type: string, format: date }
    NinEnvelope:
      type: object
      properties:
        requestSuccessful: { type: boolean }
        responseMessage: { type: string }
        responseCode: { type: string }
        responseBody:
          type: object
          properties:
            nin: { type: string }
            firstName: { type: string }
            lastName: { type: string }
            dateOfBirth: { type: string, format: date }
            phoneNumber: { type: string }
            matched: { type: boolean }