REST APIWebhooks12+ Markets

Rewards API

Issue reward cards directly from your platform.

Integrate the QIFTS API and issue cards, check balances, and track redemptions without leaving your own system. Full REST API. Webhooks on every event. Live in hours.

Get API access →View endpoints
POST /v1/cards/issue

// Issue a QIFTS — 3 required fields


{

"recipient_phone": "+234 801 234 5678",

"value": 25000,

"currency": "NGN"

}


// ← 201 Created

{

"card_id": "rca_x7k9m2p",

"code": "RCA-4729-XKMP",

"status": "issued",

"delivery": "sent_whatsapp"

}

What the API does

Everything you need. Nothing you don't.

The API gives you full control over card issuance, balance management, and redemption — without building the card infrastructure yourself.

Issue cards instantly

POST a recipient and value, get a card ID and unique code back in milliseconds. Single issuance or bulk via CSV upload.

Check & top up balances

Query any card's current balance, transaction history, and expiry. Top up value on existing cards without reissuing.

Manage redemptions

Trigger redemptions programmatically. Validate codes, apply partial redemptions, and handle multi-step checkout flows.

Webhooks on every event

Get notified the moment a card is issued, redeemed, topped up, or expired. Trigger your own downstream logic automatically.

Bulk issuance

Upload a CSV and issue thousands of unique, tracked cards in a single API call. Each card independently managed.

Reporting endpoints

Pull issuance and redemption data into your own dashboards. Filter by campaign, market, format, or date range.

Endpoints

Core API reference.

POST/v1/cards/issue

Request body

{
  "recipient_phone": "+234 801 234 5678",
  "value": 25000,
  "currency": "NGN",
  "format": "digital",
  "access": ["whatsapp", "web", "ussd"],
  "brand_id": "acme_corp"
}

Response

{
  "card_id": "rca_x7k9m2p",
  "code": "RCA-4729-XKMP",
  "status": "issued",
  "delivery": "sent_whatsapp",
  "expires_at": "2026-12-31"
}
GET/v1/cards/:card_id

Response

{
  "card_id": "rca_x7k9m2p",
  "balance": 25000,
  "currency": "NGN",
  "status": "active",
  "redeemed": 0,
  "expires_at": "2026-12-31"
}
POST/v1/cards/bulk

Request body

{
  "file": "<csv_base64>",
  "currency": "NGN",
  "format": "digital",
  "brand_id": "acme_corp"
}

Response

{
  "batch_id": "batch_k2p9x",
  "total": 500,
  "issued": 500,
  "failed": 0,
  "status": "complete"
}
POST/v1/cards/:card_id/topup

Request body

{
  "amount": 5000,
  "currency": "NGN",
  "reason": "q2_bonus"
}

Response

{
  "card_id": "rca_x7k9m2p",
  "previous_balance": 25000,
  "added": 5000,
  "new_balance": 30000
}

Webhooks

React to every card event in real time.

Register a webhook URL and the platform POSTs to it the moment anything happens to a card. No polling. No delays. Instant notifications you can act on immediately.

card.issued

Fired when a new card is successfully issued to a recipient

card.redeemed

Fired when a card or part of its balance is redeemed

card.topped_up

Fired when value is added to an existing card

card.expired

Fired when a card passes its expiry date with unused balance

batch.complete

Fired when a bulk issuance batch finishes processing

webhook payload

// POST to your webhook URL


{

"event": "card.redeemed",

"card_id": "rca_x7k9m2p",

"amount_redeemed": 10000,

"balance_remaining": 15000,

"currency": "NGN",

"redeemed_at": "2026-05-25T14:32:00Z",

"method": "ussd",

"market": "NG"

}

Who integrates

Built for platforms that already handle the trigger.

If your platform already knows when someone deserves a reward — the API lets you issue the card in the same moment, without switching tools.

HR & payroll platforms

Embed card issuance directly into your recognition or payroll flow. When an employee hits a milestone, the card goes out automatically — no manual intervention.

E-commerce & retail platforms

Issue reward cards at checkout, on purchase milestones, or as part of a loyalty scheme — all triggered from your existing order management system.

Banking & fintech apps

Trigger cashback or referral cards directly from your transaction engine. Recipients get the card the moment the qualifying action is confirmed.

Healthcare platforms

Issue cards to healthcare workers or clinical participants from your programme management system. Track redemptions without leaving your dashboard.

Get started

Ready to integrate?

Get API credentials and start issuing cards from your own platform within hours.

Get API access →View how it works