A2A

A peer agent discovers AbaPay via its Agent Card, then sends structured tool calls over A2A JSON-RPC — no browser, no human account-creation step, for either side.

Agent Card

agents.abapays.com/.well-known/agent-card.json

JSON-RPC endpoint

agents.abapays.com/api/a2a

Skills (11) — full reference

describe_capabilitiesRead-only

List what AbaPay can pay (airtime, data, electricity, cable, etc.), any services currently paused, and example requests. Call this first if unsure what is supported.

No parameters.

check_balanceRead-only

Check a linked wallet's stablecoin balances and remaining agent spending allowance. Works with no arguments once authorized via OAuth.

Name	Type	Required	Description
`api_key`	`string`	Optional	AbaPay MCP API key (starts with aba_mcp_). Not needed over OAuth.
`chain`	`"CELO"`	Optional	Which chain to check.Backend also accepts BASE for the multi-chain consumer app; this site's rails are Celo-only.

list_plansRead-only

List the REAL, currently purchasable plans for DATA, CABLE, or EDUCATION — exact codes and current prices. Always call before pay_bill for these three services.

Name	Type	Required	Description
`service`	`"DATA" \| "CABLE" \| "EDUCATION"`	Required	Which service to list plans for.
`provider`	`string`	Required	e.g. mtn, airtel, glo, 9mobile (data); dstv, gotv, startimes (cable); waec, waec-registration, jamb (education).

list_international_optionsRead-only

Browse the live international top-up catalogue (140+ countries) one level at a time: country → product type → operator → priced plan.

Name	Type	Required	Description
`country`	`string`	Optional	Country name or ISO code, e.g. "Ghana" or "GH". Omit to list all countries.
`product_type_id`	`string`	Optional	From this country's results. Omit to list product types.
`operator_id`	`string`	Optional	From this country + product_type_id's results. Omit to list operators.

transaction_historyRead-only

List recent real transactions for the linked wallet — service, provider, amount, status, tx hash. No PIN required.

Name	Type	Required	Description
`api_key`	`string`	Optional	Not needed over OAuth.
`limit`	`number`	Optional	How many to return. Defaults to 10, max 25.
`offset`	`number`	Optional	How many of the most recent to skip. 0 (default) starts at the newest.

get_payment_statusRead-only

Look up one payment by tx hash or request id: delivered, still confirming, failed or refunded, with refund state. Only the linked wallet's payments. No PIN required.

Name	Type	Required	Description
`api_key`	`string`	Optional	Not needed over OAuth.
`reference`	`string`	Required	The transaction hash (0x…) or request id.

pay_billMoves money

Pay a real bill — Nigerian (airtime, data, electricity, cable, WAEC/JAMB) or international airtime/data — from the linked wallet, settled on-chain. Executes immediately; no delay parameter exists.

Name	Type	Required	Description
`api_key`	`string`	Optional	Not needed over OAuth.
`pin`	`string`	Required	The key's PIN (6 digits for keys created now; older keys may have 4-6). Required on every payment, including over OAuth.
`idempotency_key`	`string`	Optional	A unique id for this payment (8-128 chars). A retry with the same key returns the first result instead of paying again.
`service`	`"AIRTIME" \| "DATA" \| "ELECTRICITY" \| "CABLE" \| "EDUCATION" \| "INTERNATIONAL"`	Required	Which kind of bill.
`provider`	`string`	Optional	e.g. mtn, ikeja-electric, dstv, waec. Not used for INTERNATIONAL.
`account_number`	`string`	Required	Phone/meter/smartcard/JAMB ID/destination number, depending on service.
`amount_ngn`	`number`	Optional	Amount in Naira. Not needed for INTERNATIONAL.
`chain`	`"CELO"`	Optional	Defaults to the chain approved on the key.Backend also accepts BASE for the consumer app; Celo-only here.
`token`	`"USD₮" \| "USDC" \| "USA₮"`	Optional	Which stablecoin to pay with. Defaults to the token approved on the key.
`variation_code`	`string`	Optional	Required for DATA, EDUCATION, INTERNATIONAL, and CABLE package changes.
`meter_type`	`"prepaid" \| "postpaid"`	Optional	Required for ELECTRICITY.
`customer_email`	`string`	Optional	Required for INTERNATIONAL (receipt destination).
`customer_name`	`string`	Optional	Optional, used for the receipt if known.
`country`	`string`	Optional	Required for INTERNATIONAL.
`product_type_id`	`string`	Optional	Required for INTERNATIONAL.
`operator_id`	`string`	Optional	Required for INTERNATIONAL.

schedule_billWrite

Set up a recurring or future one-off bill payment. Charges nothing when this runs — money only moves later, when the schedule fires and the allowance still covers it. EDUCATION and INTERNATIONAL can't be scheduled.

Name	Type	Required	Description
`api_key`	`string`	Optional	Not needed over OAuth.
`pin`	`string`	Required	Required to create a schedule.
`idempotency_key`	`string`	Optional	A unique id for this payment (8-128 chars). A retry with the same key returns the first result instead of paying again.
`service`	`"AIRTIME" \| "DATA" \| "ELECTRICITY" \| "CABLE"`	Required	Which kind of bill.
`provider`	`string`	Optional	e.g. mtn, ikeja-electric, dstv.
`account_number`	`string`	Required	Phone/meter/smartcard number.
`amount_ngn`	`number`	Required	Amount to charge each run.
`variation_code`	`string`	Optional	Required for DATA and CABLE package changes.
`meter_type`	`"prepaid" \| "postpaid"`	Optional	Required for ELECTRICITY.
`frequency`	`"daily" \| "weekly" \| "monthly" \| "once"`	Required	How often this runs.
`day_of_week`	`number`	Optional	Required when frequency is "weekly" — 0 (Sun) to 6 (Sat).
`day_of_month`	`number`	Optional	Required when frequency is "monthly" — 1-28.
`schedule_in_minutes`	`number`	Optional	Required when frequency is "once".
`chain`	`"CELO"`	Optional	Defaults to the key's approved chain.Celo-only here; backend also accepts BASE for the consumer app.
`token`	`"USD₮" \| "USDC" \| "USA₮"`	Optional	Defaults to the key's approved token.
`customer_email`	`string`	Optional	Notified when this runs — MCP has no persistent channel to message back.

list_schedulesRead-only

List active recurring/one-off bill schedules for the linked wallet. No PIN required. Returns each schedule's id for cancel_schedule.

Name	Type	Required	Description
`api_key`	`string`	Optional	Not needed over OAuth.

cancel_scheduleWrite

Cancel active schedules. Pass id for exactly one (no PIN). provider (all of that provider's) or all: true (every schedule) require the PIN. With none of these the call is refused.

Name	Type	Required	Description
`api_key`	`string`	Optional	Not needed over OAuth.
`id`	`string`	Optional	Exact schedule id from list_schedules. Cancels only that one.
`provider`	`string`	Optional	Cancel every active schedule for this provider, e.g. "mtn". Requires pin. Ignored if id is set.
`all`	`boolean`	Optional	true cancels every active schedule on the wallet. Requires pin.
`pin`	`string`	Optional	Required with provider or all; not needed for a single id.

pay_bill_batchMoves money

Pay airtime or data to 2-20 recipients in one call, one PIN for the whole batch. All-or-nothing on capacity: if any (chain, token) group is short, nothing moves. Executes immediately.

Name	Type	Required	Description
`api_key`	`string`	Optional	Not needed over OAuth.
`pin`	`string`	Required	Authorizes the whole batch.
`idempotency_key`	`string`	Optional	A unique id for this payment (8-128 chars). A retry with the same key returns the first result instead of paying again.
`recipients`	`array`	Required	2-20 objects, each: service (AIRTIME\|DATA), provider, account_number, amount_ngn, variation_code (DATA only), chain/token overrides.
`chain`	`"CELO"`	Optional	Default chain for recipients that don't set their own.
`token`	`"USD₮" \| "USDC" \| "USA₮"`	Optional	Default token for recipients that don't set their own.
`customer_email`	`string`	Optional	Optional, applies to the whole batch.

Can an agent set and use a PIN without visiting a website? Yes.

The PIN is a field in a JSON body, not something entered into a web form. Linking and every payment after it are both plain API calls:

POST /api/agent/link — a call authenticated with a Sign-In with Ethereum (EIP-4361) signature, using a single-use nonce from GET /api/auth/nonce. It picks the PIN in that same request and mints an Agent Hub api_key back. No session, no browser.

Every pay_bill / pay_bill_batch / schedule_bill call after that sends the same PIN back as another JSON field — still just an HTTP request.

POST /api/agent/link — real fields, verified live 2026-09-11

headers: {
  "x-wallet-address": "0xYourAgentWallet...",
  "x-wallet-signature": "<signature over the SIWE message>",
  "x-wallet-siwe": "<the SIWE message, base64>"
}
body: {
  "wallet_address": "0xYourAgentWallet...",
  "channel": "MCP",
  "pin": "123456",
  "approved_chain": "CELO"
}
-> { "success": true, "api_key": "aba_mcp_..." }

Full runnable version: examples/agent-quickstart.mjs. Or skip the wire format entirely: AbaPayAgent.link() in the SDK does this in one line. CORS is open on this endpoint too — try it straight from a browser.

The PIN itself is still real security, not a formality: it's the one thing separate from the signature that has to be right on every payment call, unlike x402, which needs neither a PIN nor a link step at all. Two different trust models, both entirely API-driven — neither ever requires opening a browser.