Developers

Build on licensed
rails, not paperwork.

Accounts, ledgers, payments and identity behind one consistent API. Get sandbox keys in a minute and test every rail before you sign anything.

Get sandbox keysRead the docs
$ npm install @betta/node
betta — sandboxTest mode

$ betta accounts create --customer cus_8Hd2 --product savings

✓ Account created in 142 ms

 

{

"id": "acc_01HF9Q2X7K",

"nuban": "9920441782",

"product": "savings_tiered",

"balance": { "available": 0, "currency": "NGN" },

"status": "active"

}

$ ▍

POST /v1/accounts201 Created · req_7Ka91

Quickstart

From sign-up to first
transaction in minutes.

The sandbox mirrors production, including simulated NIBSS, card network and bank downtime, so what works in test works live.

  1. 01Minute 1

    Create a sandbox

    Sign up with your work email and get test keys straight away. No sales call and no paperwork to start.

  2. 02Minute 5

    Make your first call

    Open an account, post a transfer and receive a signed webhook, using the SDK or the CLI.

  3. 03Week 1

    Test every rail

    Simulate failed cards, NIP timeouts and reversals until your error handling is boring.

  4. 04When KYB clears

    Go live

    Swap test keys for live ones. Same API, same code, real money on licensed rails.

API reference

One platform.
Six APIs. One style.

Every resource uses the same conventions: kobo amounts, cursor pagination, idempotency keys and versioned releases you upgrade on your schedule.

POST /v1/accounts

Accounts

Open and manage deposit, wallet and virtual accounts with tiered KYC limits.

Reference
POST /v1/journals

Ledger

Post balanced double-entry journals, read balances and pull statements in real time.

Reference
POST /v1/charges

Payments

Accept cards, transfers, USSD and NQR through a single charge object.

Reference
POST /v1/transfers

Transfers & payouts

Send single or bulk NIP transfers and payouts, with name enquiry built in.

Reference
POST /v1/identity/verify

Identity

Verify BVN and NIN, match selfies and screen sanctions lists during onboarding.

Reference
GET /v1/events

Events & webhooks

Signed webhooks for every state change, plus an event log you can replay at any time.

Reference

SDKs & tools

Your language, your workflow.

Typed, open-source libraries generated from the same OpenAPI spec, so every SDK ships new endpoints on the day they launch.

Node.jsv3.2.0
Pythonv3.1.4
PHPv2.8.0
Javav2.5.1
Kotlinv1.9.0
Swiftv1.7.2
Gov1.4.0
Betta CLIv0.12.0
OpenAPI 3.1 specPostman collectionRail failure simulator

Reliability

Public status. Honest
changelog.

We publish uptime for every rail and give at least six months' notice before anything you depend on changes.

status.bettafinance.techAPI uptime, last 90 days: 99.98%
All systems operational
90 days agoToday
Core API99.99%
NIP transfers99.96%
Card processing99.97%
Webhooks99.99%

Changelog

View all
28 Oct 2026New

Bulk transfers: up to 5,000 payouts in one request

14 Oct 2026Improved

Webhook redelivery now retries for up to 72 hours

30 Sep 2026New

NQR payments are now available in the Charges API

12 Sep 2026Deprecation

API version 2025-03 will be retired on 31 March 2027

Your sandbox is one minute away.

Free test keys, every rail simulated, and a developer community that answers in hours, not days.

Get sandbox keysJoin the community