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Welcome to Anchor’s Developer Experience Hub

Your launchpad to all you need to build extraordinary stuff with Anchor’s tools, infra and APIs.

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#Build with Anchor

Build, test, and launch your financial products with ease. 

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Plug-and-play banking & payments infrastructure

Drop it in, turn it on; start building instantly with tools that just work.

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Fast, Reliable, Built for Scale

Designed for performance and uptime, whether you’re serving hundreds or scaling to millions.

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Sandbox, Docs, All in one place

Everything you need to build, test, and ship, without jumping between tabs or tools.

Start building

Find what you need - in seconds!

Get your hands dirty. No risk. No real money. Just pure, unfiltered API magic in our test environment.

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Step-by-step integration guides that help you get started fast, no fluff, just clear technical direction.

View Docs
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API Reference

Every endpoint, payload & schema is clean and precise, so you always know exactly what to build.

View API Reference
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The Dev Blog

No buzzwords or corporate jargon, just real engineering stories, best practices and guides.

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FAQs

Skip the jargon, get what you need, and keep building. 

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Test & Experiment in our Sandbox

Get your hands dirty. No risk. No real money. Just pure, unfiltered API magic in our test environment.

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Full-featured test mode

Build and experiment in a safe, full-featured replica of our live environment, no surprises, just seamless testing from start to finish.

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Simulated transactions

Run realistic simulated transactions to preview every workflow and edge case, so you ship with confidence.

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No set up hassle

Spin up your sandbox in seconds, no complicated configs, no delays. Just you, your code, and everything ready to go.

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Try out Sandbox

Dream it. Build it. Scale it.

Got an idea? We’ve got the rails. Power your product with:

Deposit ACCOUNTS

Anchor offers regulated business accounts to receive payments, hold balances, and perform various financial operations.

RESERVED ACCOUNTS

Permanently assigned for static collections, ideal for wallets, sub-merchants, or reusable payment channels.

TRANSFERS

Robust transfer engine for both internal and external fund movement

SUBACCOUNTS

internal ledgers for segregating, tracking, and controlling value under a parent account.

bills payments

Bill payment API that enables businesses to let their users pay for everyday utilities
CURL REQUEST
RESPONSE
 
curl --request POST \
     --url https://api.sandbox.getanchor.co/api/v1/accounts \
     --header 'accept: application/json' \
     --header 'content-type: application/json' \
     --header 'x-anchor-key: Valid API Key' \
     --data '
{
  "data": {
    "type": "DepositAccount",
    "attributes": {
      "productName": "SAVINGS"
    },
    "relationships": {
      "customer": {
        "data": {
          "id": "CUSTOMER_ID",
          "type": "IndividualCustomer"
        }
      }
    }
  }
}

{
  "data": {
    "id": "ACCOUNT_ID",
    "type": "DepositAccount",
    "attributes": {
      "createdAt": "2023-10-09T10:51:54.971443",
      "bank": {
        "id": "1656585399910-anc_bk",
        "name": "EXAMPLE BANK",
        "cbnCode": "",
        "nipCode": "090XXX"
      },
      "accountName": "FIRSTNAME LASTNAME",
      "frozen": false,
      "currency": "NGN",
      "accountNumber": "******XXXX",
      "type": "SAVINGS",
      "status": "ACTIVE"
    },
    "relationships": {
      "customer": {
        "data": {
          "id": "CUSTOMER_ID",
          "type": "IndividualCustomer"
        }
      }
    }
  }
}
View API documentation
CURL REQUEST
RESPONSE
 
curl --location 'https://payment.getanchor.co/pay/reserved-account' \
--header 'Content-Type: application/json' \
--header 'x-anchor-key: Valid API Key \
--data '{
    "data": {
        "type": "ReservedAccount",
        "attributes": {
            "provider": "BANK_PROVIDER",
            "customer": {
                "individualCustomer": {
                    "fullName": {
                        "firstName": "Bright",
                        "lastName": "John-Olorunoje"
                    },
                    "email": "testemail@email.com",
                    "bvn": "22222222226"
                }
                     }
        }
    }
}'

{
    "data": {
        "id": "RESERVED_ACCOUNT_ID",
        "type": "ReservedAccount",
        "attributes": {
            "bank": {
                "provider": "BANK_PROVIDER",
                "name": "BANK_NAME"
            },
            "accountName": "John Doe",
            "accountNumber": "5031000010"
        },
        "relationships": {
            "merchant": {
                "data": {
                    "id": "MERCHANT_ID",
                    "type": "Merchant"
                }
            },
            "customer": {
                "data": {
                    "id": "CUSTOMER_ID",
                    "type": "Customer"
                }
            }
        }
    }
}
View API documentation
CURL REQUEST
RESPONSE
 
curl --request POST \
     --url https://api.sandbox.getanchor.co/api/v1/transfers \
     --header 'accept: application/json' \
     --header 'content-type: application/json' \
     --header 'x-anchor-key: Valid API key
     --data '
{
  "data": {
    "attributes": {
      "currency": "NGN"
    },
    "relationships": {
      "destinationAccount": {
        "data": {
          "type": "SubAccount"
        }
      },
      "account": {
        "data": {
          "type": "SubAccount"
        }
      }
    }
  }
}
'
{
  "data": {
    "attributes": {
      "failureReason": "INSUFFICIENT_BALANCE",
      "currency": "NGN",
      "amount": 0,
      "createdAt": "2025-07-11T09:54:55.291Z",
      "reason": "string",
      "reference": "string",
      "status": "PENDING",
      "metadata": [
        "string"
      ]
    },
    "relationships": {
      "virtualNubans": {
        "data": [
          {
            "id": "0012345678901230-anc_va",
            "type": "VirtualNuban"
          }
        ]
      },
      "subAccounts": {
        "data": [
          {
            "id": "string",
            "type": "SubAccount"
          }
        ]
      },
      "customer": {
        "data": {
          "id": "16565906809790-anc_ind_cst",
          "type": "IndividualCustomerNG"
        }
      },
      "destinationAccount": {
        "data": {
          "id": "012345678901234-anc_acc",
          "type": "DepositAccount"
        }
      },
      "account": {
        "data": {
          "id": "012345678901234-anc_acc",
          "type": "DepositAccount"
        }
      },
      "parentAccount": {
        "data": {
          "id": "012345678901234-anc_acc",
          "type": "DepositAccount"
        }
      },
      "sourceSubAccount": {
        "data": {
          "id": "string",
          "type": "SubAccount"
        }
      },
      "destinationSubAccount": {
        "data": {
          "id": "string",
          "type": "SubAccount"
        }
      },
      "transfers": {
        "data": [
          {},
          {},
          {},
          {},
          {},
          {}
        ]
      },
      "bulkTransfer": {
        "data": {
          "id": "string",
          "type": "BulkTransfer"
        }
      }
    }
  }
}
View API documentation
CURL REQUEST
RESPONSE
 
curl --request POST \
     --url https://api.sandbox.getanchor.co/api/v1/sub-accounts \
     --header 'accept: application/json' \
     --header 'content-type: application/json' \
     --header 'x-anchor-key: Valid API key
{
  "data": {
    "attributes": {
      "createVirtualNuban": true
    },
    "relationships": {
      "parentAccount": {
        "data": {
          "id": "string",
          "type": "string"
        }
      },
      "customer": {
        "data": {
          "id": "string",
          "type": "string"
        }
      }
    },
    "type": "SubAccount"
  }
}
'

  {
    "data": {
        "id": "17413516643200-anc_subacc",
        "type": "SubAccount",
        "attributes": {
            "pendingBalance": 0,
            "createdAt": "2025-03-07T12:47:44",
            "ledgerBalance": 0000,
            "accountType": "REGULAR",
            "frozen": false,
            "holdBalance": 0,
            "availableBalance": 3980
        },    "relationships": {
            "parentAccount": {
                "data": {
                    "id": "ACCOUNT_ID",
                    "type": "DepositAccount"
                }
            },
            "customer": {
                "data": {
                     "id": "CUSTOMER_ID",
                    "type": "IndividualCustomer"
                }
            }
        }
    }
}
View API documentation
CURL REQUEST
RESPONSE
 
curl --request POST \
     --url https://api.sandbox.getanchor.co/api/v1/bills \
     --header 'accept: application/json' \
     --header 'content-type: application/json' \
     --header 'x-anchor-key: Valid Api Key
     --data '
{
  "data": {
    "attributes": {
      "provider": "mtn"
    },
    "relationships": {
      "account": {
        "data": {
          "type": "SubAccount"
        }
      }
    }
  }
}
'

{
  "data": {
    "id": "string",
    "type": "SubAccount",
    "attributes": {
      "accountType": "IMPLICIT",
      "createdAt": "2025-07-11T09:54:55.291Z",
      "metadata": [
        "string"
      ]
    },
    "relationships": {
      "counterParty": {
        "data": {
          "type": "LinkedCounterParty"
        }
      },
      "organization": {
        "data": {
          "id": "string",
          "type": "Organization"
        }
      },
      "documents": {
        "data": [
          {
            "type": "Document"
          }
        ]
      },
      "officers": {
        "data": [
          {
            "id": "string",
            "type": "BusinessOfficer"
          }
        ]
      },
      "customer": {
        "data": {
          "id": "16565906809790-anc_ind_cst",
          "type": "IndividualCustomerNG"
        }
      },
      "virtualNubans": {
        "data": [
          {
            "id": "0012345678901230-anc_va",
            "type": "VirtualNuban"
          }
        ]
      },
      "subAccounts": {
        "data": [
          {
            "id": "string",
            "type": "SubAccount"
          }
        ]
      },
      "parentAccount": {
        "data": {
          "id": "012345678901234-anc_acc",
          "type": "DepositAccount"
        }
      }
    }
  }
}
View API documentation
DEPOSIT ACCOUNTS
DEPOSIT ACCOUNTS
VIRTUAL NUBANS
TRANSFERS
SUBACCOUNTS
BILL PAYMENTS
Anchor offers regulated business accounts to receive payments, hold balances, and perform various financial operations.
CURL REQUEST
RESPONSE
 
curl --request POST \
     --url https://api.sandbox.getanchor.co/api/v1/accounts \
     --header 'accept: application/json' \
     --header 'content-type: application/json' \
     --header 'x-anchor-key: Valid Api Key
     --data '
{
  "data": {
    "attributes": {
      "productName": "SAVINGS"
    },
    "relationships": {
      "customer": {
        "data": {
          "type": "IndividualCustomer"
        }
      }
    },
    "type": "DepositAccount"
  }
}
'
{
  "data": {
    "id": "012345678901234-anc_acc",
    "type": "DepositAccount",
    "attributes": {
      "bankName": "ACCESS BANK",
      "frozen": false,
      "freezeReason": "BY_CUSTOMER / FRAUD/ BY_CUSTOMER / OTHER",
      "freezeDescription": "By Customer",
      "accountName": "John Doe",
      "accountNumber": "9000000000",
      "currency": "NGN",
      "type": "SAVINGS/CURRENT",
      "status": "ACTIVE/BLOCKED/CLOSED",
      "bank": {
        "id": "16534894186638-anc_bk",
        "name": "ACCESS BANK",
        "cbnCode": "string",
        "nipCode": "000014"
      },
      "createdAt": "2025-07-15T20:29:25.537Z",
      "metadata": [
        "string"
      ]
    },
    "relationships": {
      "virtualNubans": {
        "data": [
          {
            "id": "0012345678901230-anc_va",
            "type": "VirtualNuban"
          }
        ]
      },
      "subAccounts": {
        "data": [
          {
            "id": "string",
            "type": "SubAccount"
          }
        ]
      },
      "counterParty": {
        "data": {
          "type": "LinkedCounterParty"
        }
      },
      "organization": {
        "data": {
          "id": "string",
          "type": "Organization"
        }
      },
      "documents": {
        "data": [
          {
            "type": "Document"
          }
        ]
      },
      "officers": {
        "data": [
          {
            "id": "string",
            "type": "BusinessOfficer"
          }
        ]
      },
      "customer": {
        "data": {
          "id": "16565906809790-anc_ind_cst",
          "type": "IndividualCustomerNG"
        }
      }
    }
  }
}
View API documentation
Permanently assigned for static collections, ideal for wallets, sub-merchants, or reusable payment channels.
CURL REQUEST
RESPONSE
 
curl --request POST \
     --url https://api.sandbox.getanchor.co/api/v1/virtual-nubans \
     --header 'accept: application/json' \
     --header 'content-type: application/json' \
     --header 'x-anchor-key: Valid API key
{
  "data": {
    "attributes": {
      "virtualAccountDetail": {
        "name": "John Doe",
        "bvn": "22222222226",
        "reference": "12345",
        "email": "example@example.com",
        "description": "string",
        "permanent": true
      }
    },
    "relationships": {
      "settlementAccount": {
        "data": {
          "type": "SubAccount",
          "id": "string"
        }
      }
    },
    "type": "VirtualNuban"
  }
}
'
{
  "data": {
    "id": "0012345678901230-anc_va",
    "type": "VirtualNuban",
    "attributes": {
      "accountNumber": "123456789",
      "accountName": "John Doe",
      "currency": "NGN",
      "status": "ACTIVE/BLOCKED/CLOSED",
      "reference": "12345",
      "permanent": true,
      "bank": {
        "id": "16534894186638-anc_bk",
        "name": "ACCESS BANK",
        "cbnCode": "string",
        "nipCode": "000014"
      },
      "createdAt": "2025-07-11T09:54:55.291Z",
      "expiryDate": "2025-07-11T09:54:55.291Z",
      "metadata": [
        "string"
      ]
    },
    "relationships": {
      "virtualNubans": {
        "data": [
          {
            "id": "0012345678901230-anc_va",
            "type": "VirtualNuban"
          }
        ]
      },
      "subAccounts": {
        "data": [
          {
            "id": "string",
            "type": "SubAccount"
          }
        ]
      },
      "customer": {
        "data": {
          "id": "16565906809790-anc_ind_cst",
          "type": "IndividualCustomerNG"
        }
      },
      "settlementAccount": {
        "data": {
          "id": "012345678901234-anc_acc",
          "type": "DepositAccount"
        }
      },
      "parentAccount": {
        "data": {
          "id": "012345678901234-anc_acc",
          "type": "DepositAccount"
        }
      },
      "subAccount": {
        "data": {
          "id": "string",
          "type": "SubAccount"
        }
      },
      "counterParty": {
        "data": {
          "type": "LinkedCounterParty"
        }
      },
      "organization": {
        "data": {
          "id": "string",
          "type": "Organization"
        }
      },
      "documents": {
        "data": [
          {
            "type": "Document"
          }
        ]
      },
      "officers": {
        "data": [
          {
            "id": "string",
            "type": "BusinessOfficer"
          }
        ]
      }
    }
  }
}
View API documentation
Robust transfer engine for both internal and external fund movement
CURL REQUEST
RESPONSE
 
curl --request POST \
     --url https://api.sandbox.getanchor.co/api/v1/transfers \
     --header 'accept: application/json' \
     --header 'content-type: application/json' \
     --header 'x-anchor-key: Valid API key
     --data '
{
  "data": {
    "attributes": {
      "currency": "NGN"
    },
    "relationships": {
      "destinationAccount": {
        "data": {
          "type": "SubAccount"
        }
      },
      "account": {
        "data": {
          "type": "SubAccount"
        }
      }
    }
  }
}
'
{
  "data": {
    "attributes": {
      "failureReason": "INSUFFICIENT_BALANCE",
      "currency": "NGN",
      "amount": 0,
      "createdAt": "2025-07-11T09:54:55.291Z",
      "reason": "string",
      "reference": "string",
      "status": "PENDING",
      "metadata": [
        "string"
      ]
    },
    "relationships": {
      "virtualNubans": {
        "data": [
          {
            "id": "0012345678901230-anc_va",
            "type": "VirtualNuban"
          }
        ]
      },
      "subAccounts": {
        "data": [
          {
            "id": "string",
            "type": "SubAccount"
          }
        ]
      },
      "customer": {
        "data": {
          "id": "16565906809790-anc_ind_cst",
          "type": "IndividualCustomerNG"
        }
      },
      "destinationAccount": {
        "data": {
          "id": "012345678901234-anc_acc",
          "type": "DepositAccount"
        }
      },
      "account": {
        "data": {
          "id": "012345678901234-anc_acc",
          "type": "DepositAccount"
        }
      },
      "parentAccount": {
        "data": {
          "id": "012345678901234-anc_acc",
          "type": "DepositAccount"
        }
      },
      "sourceSubAccount": {
        "data": {
          "id": "string",
          "type": "SubAccount"
        }
      },
      "destinationSubAccount": {
        "data": {
          "id": "string",
          "type": "SubAccount"
        }
      },
      "transfers": {
        "data": [
          {},
          {},
          {},
          {},
          {},
          {}
        ]
      },
      "bulkTransfer": {
        "data": {
          "id": "string",
          "type": "BulkTransfer"
        }
      }
    }
  }
}
View API documentation
Internal ledgers for segregating, tracking, and controlling value under a parent account.
CURL REQUEST
RESPONSE
 
curl --request POST \
     --url https://api.sandbox.getanchor.co/api/v1/sub-accounts \
     --header 'accept: application/json' \
     --header 'content-type: application/json' \
     --header 'x-anchor-key: Valid API key
{
  "data": {
    "attributes": {
      "createVirtualNuban": true
    },
    "relationships": {
      "parentAccount": {
        "data": {
          "id": "string",
          "type": "string"
        }
      },
      "customer": {
        "data": {
          "id": "string",
          "type": "string"
        }
      }
    },
    "type": "SubAccount"
  }
}
'

  "data": {
    "id": "16565906809790-anc_bll",
    "type": "Data",
    "attributes": {
      "amount": 0,
      "phoneNumber": "string",
      "detail": {
        "provider": "mtn",
        "createdAt": "2025-07-11T09:54:55.291Z",
        "updatedAt": "2025-07-11T09:54:55.291Z",
        "product": "string",
        "providerReference": "string"
      },
      "status": "PENDING",
      "reference": "string",
      "createdAt": "2025-07-11T09:54:55.291Z",
      "failureReason": "INSUFFICIENT_BALANCE"
    },
    "relationships": {
      "sourceAccount": {
        "data": {
          "id": "string",
          "type": ""
        }
      },
      "counterParty": {
        "data": {
          "type": "LinkedCounterParty"
        }
      },
      "organization": {
        "data": {
          "id": "string",
          "type": "Organization"
        }
      },
      "documents": {
        "data": [
          {
            "type": "Document"
          }
        ]
      },
      "officers": {
        "data": [
          {
            "id": "string",
            "type": "BusinessOfficer"
          }
        ]
      },
      "customer": {
        "data": {
          "id": "16565906809790-anc_ind_cst",
          "type": "IndividualCustomerNG"
        }
      }
    }
  }
}
View API documentation
Bill payment API that enables businesses to let their users pay for everyday utilities
CURL REQUEST
RESPONSE
 
curl --request POST \
     --url https://api.sandbox.getanchor.co/api/v1/bills \
     --header 'accept: application/json' \
     --header 'content-type: application/json' \
     --header 'x-anchor-key: Valid Api Key
     --data '
{
  "data": {
    "attributes": {
      "provider": "mtn"
    },
    "relationships": {
      "account": {
        "data": {
          "type": "SubAccount"
        }
      }
    }
  }
}
'

{
  "data": {
    "id": "string",
    "type": "SubAccount",
    "attributes": {
      "accountType": "IMPLICIT",
      "createdAt": "2025-07-11T09:54:55.291Z",
      "metadata": [
        "string"
      ]
    },
    "relationships": {
      "counterParty": {
        "data": {
          "type": "LinkedCounterParty"
        }
      },
      "organization": {
        "data": {
          "id": "string",
          "type": "Organization"
        }
      },
      "documents": {
        "data": [
          {
            "type": "Document"
          }
        ]
      },
      "officers": {
        "data": [
          {
            "id": "string",
            "type": "BusinessOfficer"
          }
        ]
      },
      "customer": {
        "data": {
          "id": "16565906809790-anc_ind_cst",
          "type": "IndividualCustomerNG"
        }
      },
      "virtualNubans": {
        "data": [
          {
            "id": "0012345678901230-anc_va",
            "type": "VirtualNuban"
          }
        ]
      },
      "subAccounts": {
        "data": [
          {
            "id": "string",
            "type": "SubAccount"
          }
        ]
      },
      "parentAccount": {
        "data": {
          "id": "012345678901234-anc_acc",
          "type": "DepositAccount"
        }
      }
    }
  }
}
View API documentation

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