# Monnify MCP for AI Agents AI Agent Connect

> Monnify MCP for AI agents. Manage Nigerian payments, virtual accounts, and payouts directly through your AI client. Track transactions, generate checkout URLs, and reserve bank accounts for customers without switching tabs.

## Overview
- **Category:** finance-accounting
- **Price:** Free
- **Endpoint:** https://edge.vinkius.com/vk_preview_66yc3S8rS2L2lW9bITk4wzcPHAyHxPTJkVawC2vZ/ai-agent-connect
- **Tags:** payment-gateway, virtual-accounts, transaction-monitoring, nigeria-fintech, financial-services

## Description

Monnify lets you handle all your Nigerian payment operations directly through your AI agent. Instead of jumping between different merchant dashboards to check on a customer's payment or manually creating virtual bank accounts, you can just ask your agent to do the heavy lifting. It handles the grunt work of listing transactions, checking settlement statuses, and verifying bank details for disbursements. You can also initiate new payments and pull up digital invoices on the fly. By connecting this Connector through the Vinkius catalog, you turn your AI into a functional member of your finance team that keeps your Nigerian operations running without the constant context switching. It's about getting answers and taking actions in one place rather than hunting for data across multiple pages.

## Tools

### get_account_details
Fetch specific details for a reserved virtual account. Use this to check customer bank info quickly.

### list_settlements
View your merchant settlements. This helps you track how much money is moving to your corporate account.

### get_transaction
Pull details for a specific transaction. It's useful for verifying a single payment reference.

### init_payment
Start a new payment process. Use this to generate checkout URLs for cards or transfers.

### list_reserved_accounts
See a list of all your reserved virtual accounts. This keeps your customer records organized.

### list_banks
Get a list of all supported Nigerian banks. Use this to verify which banks are available for transfers.

### list_monnify_invoices
View all digital invoices on the platform. This helps you track billing history easily.

### list_transactions
See a list of all your transactions. Use this to monitor your daily payment volume.

### list_disbursements
View your outgoing bank transfers. This helps you track payouts to other accounts.

### reserve_account
Create a new reserved virtual account. Use this to set up a dedicated account for a new customer.

## Prompt Examples

**Prompt:** 
```
List my recent transactions on Monnify.
```

**Response:** 
```
I've fetched your recent transactions. You have 8 transactions today, totaling ₦45,000. Most are **SUCCESSFUL**, but one with reference **REF-123** is **PENDING**. 

| Reference | Amount | Status |
| :--- | :--- | :--- |
| REF-123 | ₦5,000 | PENDING |
| REF-456 | ₦40,000 | SUCCESSFUL |

Would you like the details for the pending one?
```

**Prompt:** 
```
Reserve a virtual account for a new customer named Ayo Balogun.
```

**Response:** 
```
Initializing account reservation... 

I've successfully reserved a virtual account for **Ayo Balogun**. 

*   **Account Number**: 1234567890 (Wema Bank)
*   **Account Name**: YOUR_COMPANY Ayo Balogun

Shall I provide the payment reference?
```

**Prompt:** 
```
List all Nigerian banks supported by Monnify.
```

**Response:** 
```
Retrieving supported banks... 

Monnify supports **25+ banks** including:
*   Access Bank
*   GTBank
*   Zenith Bank
*   First Bank
*   United Bank for Africa (UBA)

Would you like to see the full list with their bank codes?
```

## Capabilities

### Reserve virtual accounts
Create dedicated bank accounts for customers instantly.

### Monitor transactions
Check real-time statuses and references for any payment.

### Generate checkout URLs
Start new payment processes for cards or transfers.

### Track disbursements
View outgoing bank transfers and payouts from your account.

### Access digital invoices
Pull up and view invoices generated on the platform.

### Verify bank details
List supported Nigerian banks for account verification.

## Use Cases

### Onboarding a new user
A fintech founder asks the agent to reserve a virtual account for a new sign-up using `reserve_account`.

### Resolving a payment dispute
A support rep uses `get_transaction` to find a specific reference and confirm a customer's payment.

### Tracking daily sales
A merchant asks the agent to list all transactions from today to see total volume via `list_transactions`.

### Verifying payout status
An ops manager checks `list_disbursements` to see if a specific payout reached the destination bank.

## Benefits

- Faster account creation: Use `reserve_account` to set up customer bank accounts in seconds rather than minutes of manual setup.
- Real-time payment visibility: Check statuses using `list_transactions` so you always know what's pending or successful.
- Simplified disbursements: Track outgoing funds with `list_disbursements` to keep your payout records accurate.
- Instant invoice access: Pull up billing history with `list_monnify_invoices` to answer customer questions immediately.
- Easy bank verification: Use `list_banks` to quickly see which Nigerian institutions are supported for your transfers.
- Streamlined settlements: Monitor your corporate payouts with `list_settlements` to keep your books balanced.

## How It Works

The bottom line is you get a direct line to your Nigerian payment data without leaving your chat interface.

1. Subscribe to the Monnify MCP and provide your API keys.
2. Connect your preferred AI client to the Vinkius platform.
3. Ask your agent to list transactions or reserve accounts in plain English.

## Frequently Asked Questions

**Can I use Monnify MCP to create virtual accounts?**
Yes, you can use it to reserve virtual bank accounts for your customers instantly. This saves you from manual setup and lets your agent handle the creation process for you.

**How does Monnify MCP help with Nigerian payments?**
It gives your AI agent the ability to monitor transactions, manage disbursements, and handle payments specifically within the Nigerian market.

**Can my agent check my payment settlement history?**
Yes, the Connector lets you see the history of payouts from Monnify to your corporate bank account. You can ask your agent to list these settlements whenever you need to check your balance.

**Does Monnify MCP support multiple Nigerian banks?**
Yes, you can ask your agent to list all the supported Nigerian banks to see which ones are available for your disbursements and account verifications.

**Can I use this to manage digital invoices?**
Yes, you can use it to pull up and view digital invoices generated via the Monnify platform directly through your AI client.

**Is Monnify MCP good for fintech startups?**
It's a great fit for fintechs because it automates the creation of virtual accounts and transaction monitoring, which are core tasks for user onboarding and operations.

**Can I use this server with the Monnify Sandbox?**
This implementation defaults to the live production URL. To use the sandbox, the underlying engine code would need to be updated to point to 'sandbox.monnify.com'.

**What information is required to reserve a virtual account?**
You need to provide a unique account reference, the account name to display, and the customer's full name and email address.

**Are all Nigerian banks supported?**
Most major commercial banks in Nigeria are supported. You can use the `list_banks` tool to see the current list of supported institutions for transfers and reservations.