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GSMA Mobile Money API Specification vs Open Banking Nigeria API Standard

A verified, side-by-side comparison. Both records are status-checked by Wycord, so you are comparing what each actually offers today, not a stale listing.

GSMA Mobile Money API SpecificationOpen Banking Nigeria API Standard
Category
Research
Research
Type
Standard
Standard
Country
🌍 Pan-African
🇳🇬 Nigeria
Docs status
Docs live
Docs live
Licensing
Pricing
Free / open
Free / open
Verified
Unverified
Unverified
Last verified
5 Jul 2026
10 Oct 2026
Tags
fintech, mobile-money, open-standard, payments-api, gsma
payments, open-banking, fintech, nigeria, api-standard
Links
Website Docs
Website Docs
Summary
The GSMA Mobile Money API is a harmonised, industry-governed REST and JSON specification covering common mobile money use cases such as merchant payments, disbursements, P2P and international transfers, bill payments and account linking. It defines a standard set of transaction types abstracted from provider-specific implementations and ships a developer portal with a sandbox simulator, an OAuth 2.0 gateway and SDKs. Version 1.2 is the current release.
The Open Banking Nigeria API Standard is a RESTful specification for secure data sharing and payment initiation between Nigerian banks and third-party providers. It defines Registration, Meta Directory, Data-Inquiry (Open Data) and Payment API categories and is maintained by the Open Technology Foundation. It aligns with the Central Bank of Nigeria's open banking regulatory framework, for which the CBN issued Operational Guidelines in 2023.

GSMA Mobile Money API Specification vs Open Banking Nigeria API Standard at a glance

GSMA Mobile Money API Specification and Open Banking Nigeria API Standard are both listed under Standard in Wycord's Research index.

GSMA Mobile Money API Specification is based in Pan-African and Open Banking Nigeria API Standard in Nigeria.

Both currently show the status "Docs live".

On access, both are marked "No approval needed".

Over the last 30 days Wycord's probes measured 100% uptime for GSMA Mobile Money API Specification (36 checks) and 100% for Open Banking Nigeria API Standard (36 checks).

Average response time on live probes was 124 ms for GSMA Mobile Money API Specification and 689 ms for Open Banking Nigeria API Standard.

Uptime and latency come from Wycord's own probes of each resource's website, documentation and repository, run every six hours.

How they differ

  • Country: GSMA Mobile Money API Specification, Pan-African; Open Banking Nigeria API Standard, Nigeria.
  • Average latency: GSMA Mobile Money API Specification, 124 ms; Open Banking Nigeria API Standard, 689 ms.

Topics

Both are tagged: fintech.

Only GSMA Mobile Money API Specification: mobile-money, open-standard, payments-api, gsma.

Only Open Banking Nigeria API Standard: payments, open-banking, nigeria, api-standard.

Common questions

Which has better uptime, GSMA Mobile Money API Specification or Open Banking Nigeria API Standard?
They are level at 100% over the last 30 days.
Do GSMA Mobile Money API Specification or Open Banking Nigeria API Standard need approval before use?
Both are marked "No approval needed".
Is the documentation for GSMA Mobile Money API Specification and Open Banking Nigeria API Standard working?
Both show "Docs live" at the last check.
Where are GSMA Mobile Money API Specification and Open Banking Nigeria API Standard based?
GSMA Mobile Money API Specification is based in Pan-African; Open Banking Nigeria API Standard is based in Nigeria.

More comparisons

Full details: GSMA Mobile Money API SpecificationFull details: Open Banking Nigeria API Standard