Transactions

Real-time and historical customer transactional statements

Easily view customer account activity for up to 24 months, across all banks in Nigeria.

Spending patterns

You get insight into how users spend over time. You also get a breakdown of expenses per category and real-time information based on outflows after monthly income.

Benefactor information

Our machine-learning models constantly evolve to learn who the benefactors of a user's transactions are. These details help you link various benefactors and transactions to either trace money or detect fraud.

Get context and content

Okra's Transactions product allows you to access a user's transaction history; this gives you transaction records for both depository type accounts, such as current and savings accounts.

Companies building with Transactions

How it works

01

User consent

Once your widget is launched, your customers are notified of the process you’re about to take on their behalf, after which you get their informed consent to process and authenticate their data.
02

Authenticate account

Your customers choose their banks and verify their identities by entering their login credentials which run in the background.
03

Link account

When your customers select their bank accounts, a link is created, which allows you to access their account via Okra’s API.
    04

    API Report

    Okra will send you a report that corresponds with your API request and you will get details, such as:
    • Income
    • Identity
    • Transaction

    How it works

    01

    User consent

    Once your widget is launched, your customers are notified of the process you’re about to take on their behalf, after which you get their informed consent to process and authenticate their data.
    02

    Authenticate account

    Your customers choose their banks and verify their identities by entering their login credentials which run in the background.
    03

    Link account

    When your customers select their bank accounts, a link is created, which allows you to access their account via Okra’s API.
      04

      API Report

      Okra will send you a report that corresponds with your API request and you will get details, such as:
      • Income
      • Identity
      • Transaction

      Plug-and-play with one API

      Using only a few lines of code, you can implement any one of our products in a matter of hours.

      1{
      2 "status": "success",
      3 "message": "Transactions retrieved succesfully",
      4 "data": {
      5 "pagination": {
      6 "totalDocs": 1,
      7 "limit": 20,
      8 "hasPrevPage": false,
      9 "hasNextPage": false,
      10 "page": 1,
      11 "totalPages": 1,
      12 "pagingCounter": 1,
      13 "prevPage": null,
      14 "nextPage": null
      15 },
      16 "transaction": [
      17 {
      18 "_id": "",
      19 "notes": {
      20 "desc": "",
      21 "topics": [],
      22 "places": [],
      23 "people": [],
      24 "actions": [
      25 ""
      26 ],
      27 "subjects": [
      28 ""
      29 ],
      30 "prepositions": [
      31 ""
      32 ]
      33 },
      34 "manual": false,
      35 "reconciled": false,
      36 "fetched": [
      37 ""
      38 ],
      39 "record": [
      40 ""
      41 ],
      42 "actions": [],
      43 "trans_date": "",
      44 "cleared_date": "",
      45 "unformatted_trans_date": "",
      46 "unformatted_cleared_date": "",
      47 "debit": 0.01,
      48 "ref": " ",
      49 "bank": {
      50 "icon": "",
      51 "logo": "",
      52 "name": "",
      53 "status": ""
      54 },
      55 "customer": {
      56 "_id": "",
      57 "name": ""
      58 },
      59 "account": {
      60 "_id": "",
      61 "name": ""
      62 },
      63 "env": "",
      64 "checked": [],
      65 "created_at": "",
      66 "last_updated": "",
      67 "__v": 0,
      68 "id": ""
      69 }
      70 ]
      71 }
      72}

      Use cases

      What can you build with Okra's Transactions API?

      Okra's API for financial solution
      Okra for personal finance

      Okra consolidates financial data from multiple sources and categorizes transaction data with typically 24 months of history, making it easy to use and analyze

      placeholder
      Okra for lending

      Okra makes it faster and easier to set up bank payments through a flow designed with the user experience and security in mind. Users enter their online credentials and Okra instantly authenticates their account to enable bank-to-bank payments.

      “Okra’s bank statement service extends to both individual customers as well as small and medium enterprises — which are the bedrock of the Nigerian economy. Our partnership with Okra has helped us achieve the truly digital auto loan offering for our customers”

      Chetan Seth CTO at Autochek

      “Working with Okra has been immensely valuable. Their continuous drive to push innovation boundaries in a complex market like Nigeria will unlock more paths for businesses like ours...”

      Jubril Juma Head of Product Strategy

      Other Products from Okra

      Extend what you can build with Okra’s Transactions API

      Gather customer data to ease business processes and get paid for your products and services.

      Balance
      Balance

      Confirm the real-time account balances of your customers.

      Authentication
      Authentication

      Carry out immediate and real-time confirmation of your customer’s details.

      Identity
      Identity

      Quickly authenticate customer account information in real-time.

      Get started — it's free

      Bring your ideas to life with 100 free API calls. This applies to all Okra products so you can see what works for your project!

      create account