Rate limits
Halo limits how often you can call the API. A request over a limit is refused with 429:
Every limit that applies to a request is checked, so the lowest one is reached first. The BVN, NIN and NIN status limits apply on top of the general limits.
When you get a 429, wait before trying again. For money requests, a 429 means the request was not processed, so you can send it again with the same reference.