⚡ RESTful API  ·  AI-Powered  ·  Built for Nigeria

Add AI bill payments
to your platform.

One API to power airtime, data, transfers, and cable TV with natural language AI. Ship in hours, not months.

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chat-request.sh
// Send a natural language message to BillsGPT POST /api/v1/chat { "message": "Buy 2GB MTN data for 08012345678", "session_id": "sess_abc123" } // BillsGPT understands intent & executes → 200 OK { "reply": "✅ Done! 2GB MTN data purchased for 08012345678.", "transaction_id": "txn_9f72k1", "amount": 500, "status": "completed" }
25+
API Endpoints
<200ms
Avg Response
99.9%
Uptime SLA
100+
Banks Supported
Platform Features

Everything you need to launch.

From AI chat to direct bill payment — one integration covers it all.

🧠

AI Chat API

Send natural language messages. Our AI detects intent, extracts parameters, and executes transactions — zero parsing on your end.

🔧

Direct Bill Endpoints

Prefer structured calls? Use our direct endpoints for airtime, data, transfers, and cable with explicit parameters.

📸

Vision / OCR Support

Upload images of bank details or receipts. Our AI extracts account numbers, amounts, and bank names automatically.

💰

Wallet System

Built-in wallet with virtual bank account generation, real-time funding, and PIN-protected transactions.

🔐

Enterprise Security

API key encryption, rate limiting, HTTPS only, request signing, and detailed audit logs for every transaction.

📊

Webhooks & Analytics

Real-time transaction webhooks, monthly usage reports, and a developer dashboard to monitor everything.

API Reference

Clean, RESTful endpoints.

Consistent JSON responses, Bearer token auth, and comprehensive error codes.

POST /api/v1/chat AI chat message
POST /api/v1/bill/airtime Purchase airtime
POST /api/v1/bill/data Buy data bundle
POST /api/v1/bill/transfer/verify Verify bank account
POST /api/v1/bill/transfer/send Send money
GET /api/v1/bill/cable/providers List cable providers
POST /api/v1/bill/cable/subscribe Subscribe cable TV
POST /api/v1/auth/register Register account
POST /api/v1/auth/login Get auth token
POST /api/v1/subscription/renew Renew subscription
Integration Guide

How the chat flow works.

This is the exact same mechanism the BillsGPT mobile app uses. Follow this flow for safe, reliable transactions.

1

User sends a message

Your user types a natural language request. Send it to the Chat API with a session_id to maintain conversation context.

POST /api/v1/chat Authorization: Bearer chat_YOUR_API_KEY { "message": "Buy 2GB MTN data for 08012345678", "session_id": "optional-uuid-or-string" }
2

AI detects intent & asks for confirmation

The AI extracts entities (network, amount, phone) and returns a summary. Check requires_confirmation: true — this means the AI is asking the user to confirm before executing.

→ 200 OK { "success": true, "data": { "message": "📱 **Data Purchase Summary**\n\nNetwork: MTN\nPlan: 2GB\nPhone: 08012345678\nAmount: ₦500\n\nReply **Yes** to proceed or **No** to cancel.", "intent": "buy_data", "entities": { "network": "mtn", "phone": "08012345678", "amount": 500 }, "session_id": "abc-123-def", "requires_confirmation": true, "transaction_status": null } }
3

User confirms — send "yes" with same session_id

When the user confirms, send "yes" (or "confirm", "ok", "proceed") using the same session_id. The AI remembers the pending transaction and executes it.

POST /api/v1/chat { "message": "yes", "session_id": "abc-123-def" }
4

Transaction executed — check transaction_status

The AI executes the transaction via UnityBills and returns the result. Check transaction_status for the outcome.

→ 200 OK { "success": true, "data": { "message": "✅ Done! 2GB MTN data purchased for 08012345678.", "intent": "buy_data", "session_id": "abc-123-def", "transaction_status": "completed", "requires_confirmation": false } }

⚡ Safety Mechanisms (Built-In)

🔒 Race Condition Guard

If the same user sends "yes" twice simultaneously, only one transaction executes. The second returns a "still processing" response.

🧠 Confirmation Required

The AI NEVER executes a transaction without asking for confirmation first. Always check requires_confirmation in the response.

📑 Session Context

Always pass session_id from previous responses. This maintains conversation history so the AI knows what transaction is pending.

🛡️ Your Responsibility

Add your own PIN/OTP verification, balance checks, and user authentication before sending the "yes" confirmation to our API.

💡 Recommended Implementation (Your Backend)

// Your backend pseudocode — same pattern as the BillsGPT app function handleUserMessage(userMessage, sessionId) { // 1. Send to BillsGPT Chat API response = POST("/api/v1/chat", { message: userMessage, session_id: sessionId }) // 2. If AI asks for confirmation, show to user but DON'T auto-confirm if (response.data.requires_confirmation) { showConfirmationDialog(response.data.message) return // Wait for user to manually confirm } // 3. When user clicks "Confirm" in YOUR app: // a. Verify user's PIN/OTP on YOUR side // b. Check user's balance on YOUR side // c. THEN send "yes" to BillsGPT if (userClickedConfirm) { verifyPin(user) checkBalance(user, response.data.entities.amount) result = POST("/api/v1/chat", { message: "yes", session_id: sessionId }) if (result.data.transaction_status === "completed") { debitUser(user, amount) showSuccess(result.data.message) } } }
Use Cases

Built for builders.

See how teams integrate BillsGPT into their products.

🏦

Fintech Apps

Add AI-powered bill payments to your fintech app. Users chat to pay instead of navigating forms.

💬

Chatbots & Assistants

Plug BillsGPT into your WhatsApp, Telegram, or custom chatbot for conversational payments.

🛒

E-Commerce Platforms

Let customers buy airtime, data, or pay bills directly from your marketplace.

🏢

Corporate Portals

Automate recurring bill payments for employees — data plans, airtime allowances, cable subscriptions.

Pricing

Simple, transparent pricing.

Start free. Scale when ready.

Starter
Free
Perfect to explore the API
  • 100 API calls / month
  • AI Chat endpoint
  • All bill payment endpoints
  • Test environment
  • Community support
Start Free
Pro
$5 / month
For production applications
  • Unlimited API calls
  • All AI + direct endpoints
  • Vision / OCR support
  • Webhooks & analytics
  • Priority email support
  • Custom LLM provider
Get Started →
Enterprise
Custom
For large-scale operations
  • Everything in Pro
  • Dedicated infrastructure
  • Custom SLA & uptime
  • White-label option
  • Dedicated account manager
  • On-premise deployment
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