Pollinate provides a one-stop shop for SMEs, covering not only payments but also financing options and marketing tools, helping merchants to understand, manage and grow their business.

So far our core platform functionalities were available through our platform applications. They are now exposed through to the outside world with the addition of public APIs allowing our clients to leverage the core platform and create their unique user experiences.

The API Developer Portal allows developers to register and once approved to review the design of the APIs and data model by reading the documentation and executing calls to test data.

Note that the APIs are intended to be used by confidential client applications (owned and operated by the bank), not by the bank’s customers.


The APIs support the following user experience flows



Allows developers to understand the merchant’s transaction lifecycle through retrieving transaction data such as authorisations, pre-authorisation, declines, refunds, chargebacks etc. The APIs provide rich filtering capability to span across time periods and merchant locations allowing developers to implement complex use cases within products. Examples would be around producing time series-based graphs or analytical queries to deliver insights on sales.



Settlement APIs provide developers data to solve reconciliation use cases for merchants. Settlement data provides funding details from the payment provider to merchant with the ability to link that payment to the transactions. Settlements can provide key data back your merchant allowing them to reconcile payments received within their bank account and understand what that figure is made up of. Settlements can be ordered and filtered in multiple ways enabling developers to deliver a multitude of features.



This API allows developers to understand the organisational structure of a merchant facility. Traversing through the merchant hierarchy data provides a deeper understanding of groups, outlets, and stores together with the products associated with them, such as payment terminals. The keys and identifiers returned in these datasets allow developers to associate transactions and settlement data for a facility.

Design Principles

  • Strict input validation

  • Error reporting

  • OAuth 2.0 client credentials flow

  • High-availability and performance covered by SLA

  • Canonical data model covering merchants and financial event data

  • APIs are GraphQL-ready

POST /api/transactions

"id": "16833741-33a0-437c-9c82-368bed96b7f6",
"from": "562b5682-7861-49ac-ad60-074fe12ddac2",
"to": "7d334e64-d0d3-4941-be6c-f59facf781d6",
"currency": "USD",
"amount": 314.55

You can request access by clicking the GET STARTED button above. Once our team reviews your application and provides approval you will receive login credentials for the portal. As a signed-in user you will be able to explore the API details further and run queries against mock data.