Monime’s API is your gateway to building modern, flexible, and truly borderless payment experiences. Whether you’re creating a hosted checkout, managing financial accounts, or orchestrating payouts across banks, mobile money, cards, and wallets, the API gives you a single, consistent interface to do it all. It’s built on REST principles, with predictable resource-oriented URLs, JSON request and response bodies, standard HTTP verbs and status codes, and secure bearer token authentication. Every request is designed for reliability and safety—idempotency keys prevent duplicate operations, cursor-based pagination makes data fetching predictable, and rich metadata helps you tailor resources to your business logic.

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Live and Test Modes

You can work in two completely separate environments:
  • Live mode — processes real payments and moves actual funds.
  • Test mode — a sandbox for building and experimenting without touching real accounts or networks.
The access token you use determines the mode: live tokens start with mon_ and test tokens start with mon_test_.

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Multi-Tenancy by Design

With Monime’s API, every call lives inside a Space—your own secure, self-contained payment world. Each Space has its own accounts, policies, and event streams, completely isolated from others. Monimeers can work across multiple Spaces, but tokens only unlock what’s allowed by both their scopes and Space permissions. The result is bulletproof isolation, precision access control, and the freedom to power many organisations with a single integration.

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Built for Evolving Needs

Monime’s API is designed to evolve at your pace. Each version combines a release name and a date, giving you a clear, predictable view of how the API behaves. Within a release, every change is safe and backward-compatible. Breaking changes only arrive in a new release - so you control when to upgrade and how to prepare. Webhooks are sent using the latest version of the release you’ve selected—giving you dependable stability with the advantage of continuous enhancements.