API Documentation

Complete reference for all Paynoc API endpoints.

Developer Portal · v1.0

Build With Paynoc

NIN, BVN, Phone, CAC, TIN, SCUML, BVN Modification, Medical, Affidavit, Bills & more — all via a single REST API.

Auth Pricing Endpoints Examples

POST https://www.paynoc.com/api/nin/verify
Authorization: Bearer YOUR_API_KEY

{ "nin": "12345678901" }

→ { "status": true,
    "data": { "firstname": "John" ... } }

Base URL

https://www.paynoc.com/api/

All requests are HTTPS only. HTTP requests will be rejected.

Authentication

Include your API key as a Bearer token on every request.

Authorization: Bearer YOUR_API_KEY
Content-Type: application/json

Service Pricing

Each call deducts the listed amount from your Paynoc wallet.

NIN Basic ₦140.00

NIN Regular ₦140.00

NIN Standard ₦140.00

NIN Premium ₦140.00

PNV Information ₦150.00

PNV Regular ₦150.00

PNV Standard ₦150.00

PNV Premium ₦150.00

BVN Standard ₦80.00

BVN Premium ₦115.00

CAC Business Reg ₦28,000.00

CAC Limited Reg ₦50,000.00

CAC NGO Reg ₦130,000.00

TIN Individual ₦8,000.00

TIN Business ₦10,000.00

SCUML ₦45,000.00

NIN Mod (Name) ₦8,000.00

NIN Mod (DOB) ₦50,000.00

NIN Mod (combo) ₦53,000.00

BVN Mod (Name) ₦13,000.00

BVN Mod (DOB) ₦15,000.00

WAEC Checker ₦3,000.00

NECO Checker ₦1,000.00

Medical Report ₦3,000.00

Medical Fitness ₦3,500.00

Affidavit ₦7,000.00

Endpoints

Click the + button on any endpoint to expand its full documentation.

Verification

6 endpoints

POST https://www.paynoc.com/api/nin/verify NIN Verification

POST https://www.paynoc.com/api/nin/phone NIN Lookup by Phone

POST https://www.paynoc.com/api/bvn/verify BVN Verification

POST https://www.paynoc.com/api/pnv/verify Phone Number Verification

POST https://www.paynoc.com/api/nin/validate NIN Validation

POST https://www.paynoc.com/api/verification/verify-person.php NIN Personalization

CAC Lookup

2 endpoints

POST https://www.paynoc.com/api/cac/business CAC Business Name Lookup

POST https://www.paynoc.com/api/cac/rc CAC RC Number Lookup

CAC Registration

4 endpoints

GET https://www.paynoc.com/api/cac/types Get CAC Registration Types

POST https://www.paynoc.com/api/cac/register/business Business Name Registration

Submit a CAC business name registration. Processing takes 3–5 working days.

Parameters

FieldTypeRequiredDescription

businessName string required Preferred business name

alternativeName string required Alternative name

natureOfBusiness string required Nature of business

surname string required Proprietor surname

firstname string required Proprietor first name

phone string required Phone number

email string required Email

state string required State

lga string required LGA

address string required Business address

meansOfId base64 required Means of ID

passport base64 required Passport photo

Request

{
  "businessName": "PAYNOC VENTURES",
  "alternativeName": "PAYNOC GLOBAL",
  "natureOfBusiness": "Technology",
  "surname": "Doe",
  "firstname": "John",
  "phone": "08012345678",
  "email": "john@example.com",
  "state": "Lagos", "lga": "Ikeja",
  "address": "12 Tech Street",
  "meansOfId": "<base64>",
  "passport": "<base64>"
}

Response

{
  "status": true,
  "message": "Registration submitted",
  "reference": "CAC-BN-XXXXXXXX",
  "data": { "status": "Processing" }
}

POST https://www.paynoc.com/api/cac/register/limited Limited Liability Company

Submit a private limited liability company (Ltd) registration.

Parameters

FieldTypeRequiredDescription

surname string required Applicant surname

firstname string required First name

dob string required Date of birth (YYYY-MM-DD)

gender string required male|female

phone string required Phone

email string required Email

nin string required NIN

occupation string required Occupation

nationality string required Nationality

residentialAddress object required state, lga, city, house, street

meansOfId base64 required Means of ID

passport base64 required Passport photo

Request

{
  "surname": "Doe", "firstname": "John",
  "dob": "1990-01-15", "gender": "male",
  "phone": "08012345678",
  "email": "john@example.com",
  "nin": "12345678901",
  "occupation": "Engineer",
  "nationality": "Nigerian",
  "residentialAddress": {
    "state": "Lagos", "lga": "Ikeja",
    "city": "Ikeja", "house": "12",
    "street": "Tech Street"
  },
  "meansOfId": "<base64>",
  "passport": "<base64>"
}

Response

{
  "status": true,
  "message": "Registration submitted",
  "reference": "CAC-RC-XXXXXXXX",
  "data": { "status": "Processing" }
}

POST https://www.paynoc.com/api/cac/register/ngo NGO / Foundation Registration

Submit an NGO, foundation or incorporated trustees registration.

Parameters

FieldTypeRequiredDescription

orgName string required Organization name

alternativeName string required Alternative name

objectives string required Objectives

orgType string required NGO|Foundation|Incorporated Trustees

surname string required Trustee surname

firstname string required First name

phone string required Phone

email string required Email

state string required State

lga string required LGA

address string required Address

meansOfId base64 required Means of ID

passport base64 required Passport photo

constitution base64 required Organization constitution

Request

{
  "orgName": "PAYNOC FOUNDATION",
  "alternativeName": "PAYNOC TRUST",
  "objectives": "Tech education",
  "orgType": "Foundation",
  "surname": "Doe", "firstname": "John",
  "phone": "08012345678",
  "email": "john@example.com",
  "state": "Lagos", "lga": "Ikeja",
  "address": "12 Tech Street",
  "meansOfId": "<base64>",
  "passport": "<base64>",
  "constitution": "<base64>"
}

Response

{
  "status": true,
  "reference": "CAC-NGO-XXXXXXXX",
  "data": { "status": "Processing" }
}

NIN Modification

3 endpoints

GET https://www.paynoc.com/api/modification/types Get NIN Modification Types

POST https://www.paynoc.com/api/modification/submit Submit NIN Modification

Submit a NIN data modification request (DOB, Name, Phone, Address, Gender or combinations).

Parameters

FieldTypeRequiredDescription

nin string required 11-digit NIN

address string required Current residential address

lga string required LGA

state string required State

new_dob string cond. Required for dob types (YYYY-MM-DD)

new_surname string cond. Required for name types

new_firstname string cond. Required for name types

new_middlename string optional Middle name

new_phone string cond. Required for phone types

new_address string cond. Required for address types

new_gender string cond. Male|Female — required for gender types

new_email string cond. Required for name_email type

photo base64 required Passport photograph

Request

{
  "nin": "12345678901",
  "mod_type": "name",
  "address": "12 Tech Street",
  "lga": "Ikeja",
  "state": "Lagos",
  "new_surname": "Adewale",
  "new_firstname": "John",
  "photo": "<base64>"
}

Response

{
  "status": true,
  "reference": "MOD-XXXXXXXXXXXXXXXX",
  "data": { "mod_type": "name", "status": "Processing" }
}

GET https://www.paynoc.com/api/modification/track Track NIN Modification

BVN Modification

3 endpoints

GET https://www.paynoc.com/api/bvn/modification/types Get BVN Modification Types

POST https://www.paynoc.com/api/bvn/modification/submit Submit BVN Modification

Submit a BVN data modification request for name, date of birth, address or phone number.

Parameters

FieldTypeRequiredDescription

bvn string required 11-digit BVN

nin string required 11-digit NIN

mod_type string required name|dob|address|phone

enrollment_type string required BVN enrollment type

new_firstname string cond. Required for name type

new_middlename string optional Middle name

new_surname string cond. Required for name type

new_dob string cond. Required for dob type (YYYY-MM-DD)

new_phone string cond. Required for phone type

address_line1 string cond. Required for address type

town_city string cond. Town/city — required for address type

postal_code string optional Postal code

state string cond. State — required for address type

Request

{
  "bvn": "22123456789",
  "nin": "12345678901",
  "mod_type": "name",
  "enrollment_type": "BVN",
  "new_firstname": "John",
  "new_surname": "Adewale"
}

Response

{
  "status": true,
  "reference": "BVNMOD-XXXXXXXXXXXXXXXX",
  "data": { "mod_type": "name", "status": "Processing" }
}

GET https://www.paynoc.com/api/bvn/modification/track Track BVN Modification

NIN Enrollment

2 endpoints

GET https://www.paynoc.com/api/enrollment/types Get NIN Enrollment Types

POST https://www.paynoc.com/api/enrollment/submit Submit NIN Enrollment

Submit a new NIN enrollment application for adults, children, or old slip replacement.

Parameters

FieldTypeRequiredDescription

enrollment_type string required adult|child|oldslip

firstname string required First name

middlename string optional Middle name

surname string required Surname

dob string required Date of birth (YYYY-MM-DD)

gender string required male|female

phone string required Phone number

state string required State of origin

lga string required LGA of origin

address string required Residential address

height string optional Height in cm

photo base64 required Passport photograph

Request

{
  "enrollment_type": "adult",
  "firstname": "John",
  "surname": "Doe",
  "dob": "1990-01-15",
  "gender": "male",
  "phone": "08012345678",
  "state": "Lagos",
  "lga": "Ikeja",
  "address": "12 Tech Street",
  "photo": "<base64>"
}

Response

{
  "status": true,
  "reference": "ENR-XXXXXXXXXXXXXXXX",
  "data": { "type": "adult", "status": "Processing" }
}

Affidavit / Sworn Declaration

3 endpoints

GET https://www.paynoc.com/api/affidavit/types Get Affidavit Types

POST https://www.paynoc.com/api/affidavit/submit Submit Affidavit Request

Submit an affidavit or sworn declaration request. Supported types include guardianship, change of name, loss of document, date of birth and more.

Parameters

FieldTypeRequiredDescription

full_name string required Full legal name of declarant

phone string required Phone number

state string required State

declaration_type string required Guardianship|Change of Name|Loss of Document|Date of Birth|General

declaration_text string required Full text of the declaration

purpose string optional Purpose of the affidavit

id_type string required NIN|International Passport|Drivers License|Voters Card

id_document base64 required ID document image (base64)

Request

{
  "full_name": "John Adewale Doe",
  "phone": "08012345678",
  "state": "Lagos",
  "declaration_type": "Change of Name",
  "declaration_text": "I, John Doe, hereby declare...",
  "purpose": "Official records",
  "id_type": "NIN",
  "id_document": "<base64>"
}

Response

{
  "status": true,
  "reference": "AFF-XXXXXXXXXXXXXXXX",
  "data": { "status": "Pending" }
}

GET https://www.paynoc.com/api/affidavit/track Track Affidavit

Medical Certificate

3 endpoints

GET https://www.paynoc.com/api/medical/types Get Medical Certificate Types

POST https://www.paynoc.com/api/medical/submit Submit Medical Certificate Request

Submit a request for a medical report or medical fitness certificate.

Parameters

FieldTypeRequiredDescription

cert_type string required report|fitness

full_name string required Patient full name

dob string required Date of birth (YYYY-MM-DD)

gender string required male|female

phone string required Phone number

address string required Residential address

purpose string required Purpose of the certificate (e.g. Employment, Travel, School)

photo base64 required Passport photograph (base64)

Request

{
  "cert_type": "fitness",
  "full_name": "John Doe",
  "dob": "1990-01-15",
  "gender": "male",
  "phone": "08012345678",
  "address": "12 Tech Street, Ikeja",
  "purpose": "Employment",
  "photo": "<base64>"
}

Response

{
  "status": true,
  "reference": "MED-XXXXXXXXXXXXXXXX",
  "data": { "cert_type": "fitness", "status": "Processing" }
}

GET https://www.paynoc.com/api/medical/track Track Medical Certificate

SCUML Registration

2 endpoints

GET https://www.paynoc.com/api/scuml/types Get SCUML Business Types

POST https://www.paynoc.com/api/scuml/register Submit SCUML Registration

Submit a SCUML registration for a business entity.

Parameters

FieldTypeRequiredDescription

businessName string required Registered business name

cacNumber string required CAC registration number

businessType string required business|limited|ngo

natureOfBusiness string required Nature of business

phone string required Business phone

email string required Business email

address string required Business address

state string required State

lga string required LGA

directorName string required Director full name

directorNin string required Director NIN

directorPhone string required Director phone

directorEmail string required Director email

cacCert base64 required CAC certificate

memart base64 required MEMART document

idCard base64 required Director ID

passport base64 required Director passport

Request

{
  "businessName": "PAYNOC SERVICES LIMITED",
  "cacNumber": "RC1234567",
  "businessType": "limited",
  "natureOfBusiness": "Fintech",
  "phone": "08012345678",
  "email": "info@company.com",
  "address": "12 Tech Street",
  "state": "Lagos", "lga": "Ikeja",
  "directorName": "John Doe",
  "directorNin": "12345678901",
  "directorPhone": "08012345678",
  "directorEmail": "john@co.com",
  "cacCert": "<base64>",
  "memart": "<base64>",
  "idCard": "<base64>",
  "passport": "<base64>"
}

Response

{
  "status": true,
  "reference": "SCUML-XXXXXXXXXXXXXXXX",
  "data": { "status": "Processing" }
}

TIN Registration

2 endpoints

GET https://www.paynoc.com/api/tin/types Get TIN Registration Types

POST https://www.paynoc.com/api/tin/register Submit TIN Registration

Submit a Tax Identification Number registration for an individual or business.

Parameters

FieldTypeRequiredDescription

tin_type string required individual|business

fullName string required Full legal name

dob string cond. Required for individual (YYYY-MM-DD)

phone string required Phone number

email string required Email address

address string required Address

businessName string cond. Required for business type

cacNumber string cond. Required for business type

natureOfBusiness string cond. Required for business type

idCard base64 required Means of ID

cacCert base64 cond. Required for business type

passport base64 required Passport photo

Request

// Individual
{
  "tin_type": "individual",
  "fullName": "John Doe",
  "dob": "1990-01-15",
  "phone": "08012345678",
  "email": "john@example.com",
  "address": "12 Tech Street",
  "idCard": "<base64>",
  "passport": "<base64>"
}

Response

{
  "status": true,
  "reference": "TIN-XXXXXXXXXXXXXXXX",
  "data": { "tin_type": "individual", "status": "Processing" }
}

WAEC Checker

1 endpoint

POST https://www.paynoc.com/api/waec/check WAEC Result Check

NECO Checker

1 endpoint

POST https://www.paynoc.com/api/neco/check NECO Result Check

Bills & Recharge

6 endpoints

POST https://www.paynoc.com/api/airtime/buy Buy Airtime

POST https://www.paynoc.com/api/data/buy Buy Data Bundle

GET https://www.paynoc.com/api/data/plans Get Data Plans

POST https://www.paynoc.com/api/cable/pay Pay Cable TV Subscription

GET https://www.paynoc.com/api/cable/plans Get Cable Plans

POST https://www.paynoc.com/api/electricity/pay Pay Electricity Bill

Pay electricity bills for any DISCO (distribution company).

Parameters

FieldTypeRequiredDescription

meter_number string required Meter number

meter_type string required prepaid|postpaid

amount number required Amount in Naira (min ₦500)

phone string required Phone number for receipt

Request

{
  "disco": "ikedc",
  "meter_number": "12345678901",
  "meter_type": "prepaid",
  "amount": 5000,
  "phone": "08012345678"
}

Response

{
  "status": true,
  "message": "Payment successful",
  "reference": "ELEC-XXXXXXXXXXXXXXXX",
  "data": {
    "token": "1234-5678-9012-3456-7890",
    "units": "45.23",
    "meter_number": "12345678901"
  }
}

Wallet

1 endpoint

GET https://www.paynoc.com/api/wallet/balance Wallet Balance

Error Codes

200 OK

400 Bad Request

401 Unauthorized

402 Payment Required

403 Forbidden

422 Validation Error

429 Rate Limited

500 Server Error

Code Examples

Replace YOUR_API_KEY with your actual key.

Javascript

const res = await fetch('https://www.paynoc.com/api/nin/verify', {
  method: 'POST',
  headers: {
    'Authorization': 'Bearer YOUR_API_KEY',
    'Content-Type': 'application/json'
  },
  body: JSON.stringify({ nin: '12345678901', slip_type: 'basic' })
});
const data = await res.json();
if(data.status) console.log(data.data.firstname);

Php

<?php
$ch = curl_init('https://www.paynoc.com/api/nin/verify');
curl_setopt_array($ch, [
    CURLOPT_POST           => true,
    CURLOPT_RETURNTRANSFER => true,
    CURLOPT_HTTPHEADER => [
        'Authorization: Bearer YOUR_API_KEY',
        'Content-Type: application/json'
    ],
    CURLOPT_POSTFIELDS => json_encode([
        'nin' => '12345678901', 'slip_type' => 'basic'
    ])
]);
$r = json_decode(curl_exec($ch), true);
curl_close($ch);
if($r['status']) echo $r['data']['firstname'];

Python

import requests

res = requests.post(
    'https://www.paynoc.com/api/nin/verify',
    json={'nin':'12345678901','slip_type':'basic'},
    headers={'Authorization':'Bearer YOUR_API_KEY'}
)
data = res.json()
if data['status']:
    print(data['data']['firstname'])

Curl

curl -X POST 'https://www.paynoc.com/api/nin/verify' \\
  -H 'Authorization: Bearer YOUR_API_KEY' \\
  -H 'Content-Type: application/json' \\
  -d '{"nin":"12345678901","slip_type":"basic"}'

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