> ## Documentation Index > Fetch the complete documentation index at: https://api-docs.trypila.co/llms.txt > Use this file to discover all available pages before exploring further. # Pila > Pila is the payments, wallet and card-issuing API for Nigerian businesses — create NUBAN wallets, move money to any bank, and issue virtual USD cards with one integration.
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Move money in minutes.

Dedicated NUBAN wallets, bank transfers across Nigeria and virtual USD cards — all from one API. Build in the sandbox today and flip the same calls to live when you are ready.

Get API keys Read the docs
210+Nigerian banks reachable
2currencies — NGN & USD
25+REST endpoints
NGN WALLET AVAILABLE BALANCE ₦990,075 NUBAN 5243202142 TRANSFER SETTLED PILA · PAYOUTS ···· 4910 VIRTUAL USD · ACTIVE

Built for teams that move money every day

Payroll platforms SME lenders Fintechs & wallets Marketplaces Subscription products

Pick what you need to build

Four product areas, one set of credentials. Start with a wallet, add payouts, then issue cards when you are ready.

See the full API
Collect

Wallets

Give every customer a dedicated NUBAN that credits their balance the moment money lands.

Create a wallet
Disburse

Payouts

Send funds from a wallet or your pool account to any of 210+ Nigerian banks.

Send a transfer
Spend

Virtual USD cards

Issue, fund, freeze and terminate dollar cards for online spend, with full transaction history.

Issue a card
Enrich

General services

Resolve account names, look up bank codes, check card BINs and sell airtime or data.

Browse services

The four money flows, end to end

Every Pila integration is a short chain of calls. Here are the chains teams build most, in the order to build them.

Collections

Give each customer a permanent account number, or spin up a one-time account for a single checkout. Pila credits the wallet and fires a webhook the moment the transfer settles.

Dedicated NUBANOne-time accountsDeposit webhooks
Start with wallets
1
Create a walletIndividual, corporate or one-time use account
Wallet 2
Subscribe to webhooksGet told the instant a deposit lands
Events 3
Verify the signatureCheck x-pila-signature before you trust a payload
Security 4
Reconcile the balanceRead the wallet and its transaction history
Ledger

Payouts

Confirm you are paying the right person, move the money, then follow the transaction to a terminal status. Works for single disbursements and scheduled payroll runs alike.

PayrollLoan disbursementMarketplace settlement
Start with transfers
1
Fetch bank codesResolve the recipient's institution code
Lookup 2
Resolve the NUBANConfirm the account name before you send
Lookup 3
Transfer fundsDebit a wallet or your pool account
Payout 4
Track the transactionPoll or wait for the webhook to confirm
Ledger

Card issuing

Issue a dollar card against a customer's identity, top it up from their NGN wallet, and keep control — freeze, unfreeze, sweep the balance back, or terminate it outright.

Online spendSubscriptionsSpend controls
Start with cards
1
Create the cardCardholder details plus BVN and an ID number
Issue 2
Load itFund the card from the linked NGN wallet
Fund 3
Listen for card eventsAuthorisations, declines, drains and refunds
Events 4
Control itBlock, unblock, withdraw or terminate
Lifecycle

Value-added services

Sell airtime and data alongside your core product, and use the lookup endpoints to validate input before a customer ever sees an error.

Airtime & dataAccount lookupCard BIN
Start with airtime
1
Buy airtimeTop up one or many numbers on any network
Purchase 2
Buy dataList the available plans, then buy one
Purchase 3
Resolve a card BINIdentify brand, type and issuing bank
Lookup 4
Fetch statesPopulate address forms from one source
Lookup

Everything you need to ship

A full sandbox, a clear reference and webhooks you can trust — so your first successful transfer happens today, not next sprint.

API Reference

Every endpoint, parameter and response, with real examples.

POST /api/v1/wallet/ngn/createBrowse endpoints

Authentication

Pair your secret key with an AppId and you are live.

Authorization: <secret_key>Set up auth

Quickstart

From zero to a funded wallet in four calls.

curl https://sandbox.trypila.coMake your first call

Webhooks

Real-time events the moment money moves.

event: depositConfigure webhooks

Sandbox

Build against the same endpoints before you go live.

https://sandbox.trypila.coTry the sandbox

Response format

One envelope on every call, success or failure.

{ "entity": ... }Read the shape
Copy 
# Pay out to a Nigerian bank account
curl https://sandbox.trypila.co/api/v1/wallet/ngn/transfer \\
-H "Authorization: <secret_key>" \\
-H "AppId: <app_id>" \\
-H "Content-Type: application/json" \\
-d '{
    "wallet_id": "<wallet_id>",
    "amount": "5000",
    "recipient_bank_code": "058",
    "recipient_account_number": "0129531833",
    "source": "wallet"
  }'
const res = await fetch(
'https://sandbox.trypila.co/api/v1/wallet/ngn/transfer',
{
method: 'POST',
headers: {
  Authorization: process.env.PILA_SECRET_KEY,
  AppId: process.env.PILA_APP_ID,
  'Content-Type': 'application/json',
},
body: JSON.stringify({
  wallet_id: walletId,
  amount: '5000',
  recipient_bank_code: '058',
  recipient_account_number: '0129531833',
  source: 'wallet',
}),
}
);
import os, httpx

res = httpx.post(
"https://sandbox.trypila.co/api/v1/wallet/ngn/transfer",
headers={
    "Authorization": os.environ["PILA_SECRET_KEY"],
    "AppId": os.environ["PILA_APP_ID"],
},
json={
    "wallet_id": wallet_id,
    "amount": "5000",
    "recipient_bank_code": "058",
    "recipient_account_number": "0129531833",
    "source": "wallet",
},
timeout=30,
)
200 OK{ "transaction_status": "PROCESSING" }

Your first transfer is minutes away

Create an account, grab your sandbox keys, and move test money today. Switch the base URL when you are ready to go live.

Get API keys Read the docs
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