Build. Test. Launch. All with EFIcyent.
Welcome to the EFIcyent API documentation.
Our APIs are made to assist you with building scalable and safe platform integrations. We provide you with the resources you need to get started quickly and with confidence, whether you are managing user accounts, establishing smooth payment flows or connecting to international financial systems.
This guide walks you through everything you need from authentication and endpoints to environment setup and common use cases. With a developer-first approach, modular design and detailed responses, EFIcyent makes integration straightforward at every step.
Your First Stop for Getting Started
Choose the guide or tool that fits how you work. Whether you are a developer, product manager or customer support lead, we have got you covered.
API Reference Guide
A detailed breakdown of all available endpoints, parameters and expected responses for your go-to for building and testing the integrations.
Sandbox Environment
Test your API calls in a safe environment that mirrors the real-world conditions, so you can build with confidence before going in the live market.
SDKs and Developer Tools
Pre-built SDKs and ready-to-use code examples let you integrate faster in your preferred programming language or development platform.
Error Handling and Response Codes
Standardized error messages, HTTP status codes and troubleshooting guidance, so you know exactly what went wrong and how to fix it exactly.
User Wallet Management
Create, fund and manage the user wallets securely using our API with clear, step-by-step instructions tailored for smooth integration.
Transaction Flows
Easy to follow examples to guide you through sending funds, requesting withdrawals and checking balances instantly using real-time API calls.
Notifications of Events and Webhooks
Setup real-time notifications for major developments, such as successful transactions, KYC updates, or unsuccessful payments. Includes webhook payload structure and security validation.
Compliance and Identity Verification
API flow to onboard users with KYC/AML checks. It includes supported document types, response handling and also verification status tracking.
Important Note:
Before going live, make sure you are working in the correct environment. Misconfigured environments can cause failed or delayed transfers.
- Environment Configuration: Always verify your environment mode (sandbox vs. live) before initiating transactions.
- Country & Currency Rules: Verify that the recipient’s country and currency are supported. Double-check corridor availability and local compliance requirements to avoid rejections.
Feature Focus:
Keep cross-border payments smooth by avoiding common mistakes in setup, compliance, and configuration.
- Country & Currency Compatibility: Always verify the recipient’s country and currency. Unsupported corridors or mismatched currencies can result in failed or delayed transactions.
- Compliance Checks: Double-check compliance requirements before sending. Each country has specific KYC/AML rules, so ensure your user data and documents meet local regulations to avoid rejections.
Built for Developers. Compatible Across Languages
No matter what stack you use, our APIs are ready for seamless integration. From cURL, Node.js, Java, Python, PHP, Ruby to C++ we support all major programming environments. Move faster, automate with ease and launch your product smoothly from day one.
Curl
Node JS
Java
Python
PHP
Ruby
C+
Accounts That Fit Every Need
HeraldEX offers tailored account types for individuals and businesses, each designed to simplify money management and cross-border transactions.
🌍 Individual Accounts
Send money to 49 countries and take full control of your finances with an individual account. From daily transfers to balance tracking, managing your finances feels effortless. Enjoy access to a virtual USD account for smoother global transactions that made simple.
🌍 Business Accounts
Access real-time payments to over 150 countries, our business accounts offer more than just money transfers. With support for 24 multi-currency wallets and up to 20 local accounts, you can manage payouts, track payments and operate seamlessly across borders, all from a single dashboard.