How to Use the Monnify MCP in Claude

Q: How do I configure the Monnify MCP Server inside Claude Desktop?

Open your local claudedesktopconfig.json file and add the server to your mcpServers object. Provide your API keys as environment variables, save the file, and restart Claude Desktop to see the tools appear.

Q: Can I initialize payments directly from Claude Desktop using Monnify?

Yes, you can initialize transactions using the initpayment tool. Your agent will generate the payment URL and handle the initial payload validation automatically.

Q: How does Claude Desktop handle high-volume Monnify transaction queries?

The client uses the listtransactions tool to query transaction lists in batches. This approach respects API rate limits while keeping your local ledger updates accurate.

Q: Can I verify bank codes before sending disbursements?

Yes, you use the listbanks tool to fetch the active list of Nigerian banks. This step guarantees you use correct routing codes before initiating any transfers.

Track Nigerian payments and manage virtual accounts directly inside Claude Desktop using the Monnify MCP Server.

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Connect Monnify MCP to Claude Desktop

Create your Vinkius account to connect Monnify to Claude Desktop and route execution through our secure gateway. The platform manages server hosting, runtime updates, and security layers. Configuration requires no manual server provisioning.

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Setup Monnify with Claude Desktop

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Automate reserved accounts in Claude Desktop

The `reserve_account` tool lets your agent spin up dedicated virtual bank accounts for your Nigerian customers on demand. Claude Desktop calls this tool to generate unique account numbers, which you can then check using `get_account_details` or monitor via `list_reserved_accounts` without switching to the Monnify dashboard. This integration keeps your operational workflows inside one window. Instead of copying bank details back and forth, you let Claude Desktop pull live account statuses and handle user assignments directly through local configuration files.

Reconcile Monnify transactions and settlements

Using `list_transactions` and `list_settlements`, this MCP Server gives your local Claude Desktop client direct visibility into your incoming merchant funds. The agent queries specific payment states using `get_transaction` to verify customer transfers instantly. You get raw, unfiltered ledger data directly in your chat interface. This setup eliminates manual CSV exports when checking which customer transactions have cleared or which settlements are pending.

Initialize payments and manage invoices

The `init_payment` tool initiates transactions and generates payment links for your clients right from your conversation. Your agent can also draft and track digital bills using `list_monnify_invoices` to keep your accounts receivable organized. To ensure transfer accuracy, `list_banks` lets you fetch the current list of supported Nigerian financial institutions. Claude Desktop handles the payload validation, preventing failed transfers before they hit the network.

Setup guide

Set up Monnify MCP in Claude Web or Desktop

1

Open Claude Settings

Go to claude.ai, click your profile icon, then navigate to Customize → Connectors.
2

Add Custom Connector

Click the "+" button and select Add custom connector. Paste your Vinkius endpoint URL: https://edge.vinkius.com/[YOUR_TOKEN_HERE]/mcp Replace [YOUR_TOKEN_HERE] with your token from cloud.vinkius.com. For OAuth-protected servers, expand Advanced settings to add credentials.
3

Start a conversation

Open a new chat. The Monnify MCP tools are available immediately — no restart needed.

Endpoint URL

https://edge.vinkius.com/[YOUR_TOKEN_HERE]/mcp

No configuration file needed — paste the URL directly in the Claude web interface.

Available on Free (1 connector), Pro, Max, Team, and Enterprise plans.

Prerequisites

Claude Desktop installed (macOS or Windows)
Active Vinkius subscription with a valid endpoint token

1

Open Claude Desktop Settings

Click the menu icon at the top-left corner, go to Settings → Developer → Edit Config. This opens claude_desktop_config.json in your default text editor.
2

Paste the Monnify MCP configuration

Copy the JSON snippet on the right into the mcpServers object. Replace [YOUR_TOKEN_HERE] with your endpoint token from cloud.vinkius.com.
3

Restart Claude Desktop

Close and reopen the application. Claude needs a full restart to load new MCPs — refreshing a conversation is not enough.
4

Verify the connection

Open a new conversation. Click the 🔌 icon at the bottom of the message input. You should see tools listed under monnify-mcp.

json

{
  "mcpServers": {
    "monnify-mcp": {
      "url": "https://edge.vinkius.com/[YOUR_TOKEN_HERE]/mcp"
    }
  }
}

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Independent Platform Disclaimer: Vinkius is an independent platform and is not affiliated with, endorsed by, sponsored by, verified by, or otherwise authorized by Monnify. All third-party trademarks, logos, and brand names are the property of their respective owners. Their use on this website is strictly for informational purposes to identify service compatibility and interoperability.

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Common questions about Monnify MCP in Claude Desktop

Open your local `claude_desktop_config.json` file and add the server to your `mcpServers` object. Provide your API keys as environment variables, save the file, and restart Claude Desktop to see the tools appear.

Yes, you can initialize transactions using the `init_payment` tool. Your agent will generate the payment URL and handle the initial payload validation automatically.

The client uses the `list_transactions` tool to query transaction lists in batches. This approach respects API rate limits while keeping your local ledger updates accurate.

Yes, you use the `list_banks` tool to fetch the active list of Nigerian banks. This step guarantees you use correct routing codes before initiating any transfers.

Your sensitive bank credentials and virtual account states remain strictly on your local machine. Claude Desktop communicates directly with the Monnify API via local subprocesses, meaning your financial data never touches third-party servers.

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