SME DATA API

SME Data API is a modern digital services platform designed for individuals, agents, resellers, developers and business owners. The application allows users to buy airtime, purchase mobile data, pay bills, manage wallet transactions and connect their own websites or applications to SME Data API for automated service delivery.

Airtime and Data Services

Buy airtime and affordable data bundles for supported networks, including MTN, Airtel, Glo and 9mobile.

SME Data API can automatically detect the recipient’s network from the phone number entered. Users can also select numbers from their phone contacts, save frequently used beneficiaries and choose from available data plans based on the selected network and plan category.

Bill Payments and Digital Services

The application provides access to several digital products and services, including:

Electricity bill payments
Cable television subscriptions
Examination PINs
Data PINs
Recharge-card PINs
Bulk SMS
Airtime-to-cash services
Bonus transfers
Verification services
Other supported digital products

Service availability may depend on the products currently enabled on the platform.

API Access for Websites and Applications

SME Data API also provides API integration for developers, resellers and business owners who want to sell digital services through their own websites, mobile applications or business platforms.

This means a business owner can connect a personal website or application directly to SME Data API and allow customers to purchase supported services without visiting the SME Data API application.

For example, after integration, customers using the connected website or application may be able to:

Buy airtime
Purchase mobile data
Pay electricity bills
Subscribe to cable television
Purchase examination PINs
Access other supported digital services

When a customer places an order, the connected website or application sends the request to SME Data API. The platform processes the request and returns the transaction result to the connected system.

This allows resellers and business owners to operate their own branded VTU or digital-services platforms while SME Data API provides the service-processing infrastructure behind them.

Registered API users can access:

A personal API key
API authentication instructions
Supported API endpoints
Required request parameters
Live data-plan prices
Available service information
Transaction-response formats
Integration documentation

The API key is used to identify and authenticate the connected website or application. For security, API keys should be stored on the business server and should never be exposed publicly inside frontend code.

API access is suitable for:

VTU website owners
Mobile application developers
Digital-service resellers
Agents and vendors
Fintech and payment platforms
Schools and organisations
Businesses that want automated service delivery
Wallet Management

Users can manage their SME Data API wallet directly from the application.

Available wallet features may include:

Viewing the current wallet balance
Funding the wallet through supported methods
Viewing dedicated virtual-account details
Copying bank account information
Monitoring wallet funding
Viewing service purchases and deductions
Transactions and Digital Receipts

SME Data API provides detailed transaction records for completed, pending and failed transactions.

Transaction details may include:

Service purchased
Recipient phone number or account
Amount paid
Transaction reference
Transaction status
Previous wallet balance
New wallet balance
Date and time
Provider or service response
Authorisation method

Users can open full transaction receipts, share receipts as images, repeat previous purchases, view transaction history or report a transaction to customer support.

Saved Beneficiaries

Frequently used phone numbers can be saved as beneficiaries for easier future purchases.