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Interswitch website screenshot

Interswitch

Interswitch is Nigeria's foundational digital payments and transaction-switching company, founded in 2002 and regulated by the Central Bank of Nigeria. It owns the Verve card scheme (Africa's first domestic EMV chip-and-PIN brand), the Quickteller consumer and business payments platform, the Webpay / Web Checkout gateway, the Paycode cardless service, and the underlying transaction switch that connects Nigerian banks, fintechs, billers, and merchants. The Interswitch developer platform exposes REST APIs for accepting payments, sending transfers, paying bills, recharging airtime, generating cardless tokens, issuing Verve cards (Card 360), originating loans, accessing customer insights, and searching transactions — all under OAuth 2.0 client-credentials authentication via the Passport token service and HMAC-SHA512-signed webhooks. The company is expanding from Nigeria into Ghana, Kenya, Uganda, and other African markets.

agent native

Solid contracts, transparent operations, and an easy start — typically complete on four or five facets with one clear soft spot.

Kin Score

API Evangelist profiles Interswitch the way a machine reads it — 101 machine-readable artifacts across 32 APIs, pulled from the provider's own public surface and indexed so a developer, an analyst, or an AI agent can evaluate it against every other provider on the network.

Every provider in the network is reduced to the same set of machine-readable artifacts — OpenAPI contracts, event specifications, GraphQL schemas, runnable collections, pricing and rate-limit signals, security posture, OAuth scopes, and the agent surfaces (MCP servers and skills) that let software drive the API on its own. We profile them because the interface is the part of a company you can actually inspect: it is a truer signal of what a provider does than any marketing page. From those artifacts we compute the Kin Score — Interswitch scores 63.4/100 (strong), with a separate agent-readiness read of 68/100 (agent native). The full breakdown is below, followed by every artifact we hold — each card links through to its machine-readable definition on apis.io.

Kin Score

This is the API Evangelist rating — a single, repeatable read computed from the artifacts on this page. Green fill is points earned; the red track is points possible, so every bar shows earned-versus-possible at a glance.

Kin Score Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5
Composite quality — 63.4/100 · strong
Contract Quality 15.0 / 25
Developer Ergonomics 10.9 / 20
Commercial Clarity 13.7 / 20
Operational Transparency 5.1 / 13
Governance 10.4 / 12
Discoverability 8.0 / 10
Regulatory · Payments 9.8 / 15
Agent readiness — 68/100 · agent native
Machine-Readable Contract 18 / 18
Agentic Access Contract 15 / 15
MCP Server 0 / 12
Machine-Readable Auth 10 / 10
Idempotency 0 / 9
Stable Error Semantics 8 / 8
Request/Response Examples 7 / 7
Rate-Limit Signaling 7 / 7
Typed Event Surface 6 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3

How we profile Interswitch

Each block below is one kind of artifact we hold for Interswitch. For each we say what it is and why it earns a place in the profile, then list every one we've indexed — capped at two rows, scroll within the panel for the rest.

APIs 32

Each API is captured as its own OpenAPI definition — every operation, parameter, and response. This is the single most useful machine-readable description of what an API does, and it's what lets us score, lint, mock, and generate against it without asking the provider for anything.

Individual APIs this provider publishes, each with its own machine-readable definition.

Interswitch Transfers API

Quickteller Send Money APIs covering Single Transfer (POST /quicktellerservice/api/v5/transactions/TransferFunds), Bulk Transfer, Name Inquiry, and Bank Code Resolution. Used by...

Interswitch Refunds API

Refund successful Quickteller Business transactions in full or in part via `POST /paymentgateway/api/v1/refunds`. Tracks refund lifecycle through SUCCESS, PENDING, PROCESSING, C...

Interswitch Airtime API

The Airtime API from Interswitch — 3 operation(s) for airtime.

Interswitch Balance API

The Balance API from Interswitch — 1 operation(s) for balance.

Interswitch Bank Codes API

The Bank Codes API from Interswitch — 1 operation(s) for bank codes.

Interswitch Billers API

The Billers API from Interswitch — 3 operation(s) for billers.

Interswitch Bulk Transfers API

The Bulk Transfers API from Interswitch — 1 operation(s) for bulk transfers.

Interswitch Cards API

The Cards API from Interswitch — 5 operation(s) for cards.

Interswitch Checkout API

Hosted checkout payment initiation

Interswitch Customer Validation API

The Customer Validation API from Interswitch — 1 operation(s) for customer validation.

Interswitch Customers API

The Customers API from Interswitch — 2 operation(s) for customers.

Interswitch Demography API

The Demography API from Interswitch — 1 operation(s) for demography.

Interswitch Detail API

The Detail API from Interswitch — 1 operation(s) for detail.

Interswitch E-Pins API

The E-Pins API from Interswitch — 1 operation(s) for e-pins.

Interswitch Financial Habits API

The Financial Habits API from Interswitch — 1 operation(s) for financial habits.

Interswitch Financial History API

The Financial History API from Interswitch — 2 operation(s) for financial history.

Interswitch Hosted Fields API

Card data tokenization

Interswitch Linking API

The Linking API from Interswitch — 1 operation(s) for linking.

Interswitch Loans API

The Loans API from Interswitch — 3 operation(s) for loans.

Interswitch Name Inquiry API

The Name Inquiry API from Interswitch — 1 operation(s) for name inquiry.

Interswitch Offers API

The Offers API from Interswitch — 2 operation(s) for offers.

Interswitch Payment Items API

The Payment Items API from Interswitch — 1 operation(s) for payment items.

Interswitch Payment Links API

Hosted payment link generation

Interswitch Payments API

The Payments API from Interswitch — 5 operation(s) for payments.

Interswitch PIN API

The PIN API from Interswitch — 1 operation(s) for pin.

Interswitch Providers API

The Providers API from Interswitch — 1 operation(s) for providers.

Interswitch Recurring Charges API

The Recurring Charges API from Interswitch — 1 operation(s) for recurring charges.

Interswitch Search API

The Search API from Interswitch — 3 operation(s) for search.

Interswitch Three-D Secure API

Step-up authentication

Interswitch Tokenization API

The Tokenization API from Interswitch — 1 operation(s) for tokenization.

Interswitch Tokens API

The Tokens API from Interswitch — 4 operation(s) for tokens.

Interswitch Transactions API

Transaction status query

Scroll within the panel for all 32 ·

Postman Collections 12

A runnable collection turns the contract into something a developer can execute in seconds. We profile them because the fastest way to trust an API is to make a real call against it.

Ready-to-run Postman collections for exercising this provider's APIs.

Scroll within the panel for all 12 ·

Open Collections 12

Open, tool-agnostic collections carry the same runnable value as Postman without locking you to one client — the portable, forkable form of the same exercise.

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

Scroll within the panel for all 12 ·

Arazzo Workflows 14

Real integrations are rarely a single call. Arazzo describes the multi-step sequences — auth, then create, then confirm — so both a human and an agent can follow the choreography, not just the endpoints.

Multi-step API workflows described with the Arazzo specification.

Interswitch Airtime Recharge

Discover an airtime telco, pick a denomination, and recharge a phone number.

ARAZZO

Interswitch Validate Customer And Pay Bill

Look up a biller's payment item, validate the customer, then submit a bill payment advice.

ARAZZO

Interswitch Card Payment With 3D Secure

Authorize a card payment, step up to 3D Secure when required, then confirm the final payment status.

ARAZZO

Interswitch Hosted Fields Checkout

Open a hosted-fields session to collect card data out of PCI scope, then confirm the resulting payment.

ARAZZO

Interswitch Issue And Activate Card

Issue a new card to a customer, set its PIN, then read back the activated card.

ARAZZO

Interswitch Lending Enroll Payment Method

Generate a lending payment token, confirm it with an OTP, then debit a loan repayment with it.

ARAZZO

Interswitch Lending Offer To Disbursement

Fetch a customer's loan offers, accept one, fund the loan, then confirm the customer's loan status.

ARAZZO

Interswitch Link And Check Card Balance

Validate a card PAN, link it to a customer, then read the linked card's balance.

ARAZZO

Interswitch Paycode Generate And Track

Generate a cardless Paycode token, poll its status, and cancel it if it is not yet used.

ARAZZO

Interswitch Payment Refund And Track

Confirm an original payment, raise a refund against it, then poll the refund to a terminal state.

ARAZZO

Interswitch Recurring Tokenize And Charge

Tokenize a card once, then charge the stored token for a recurring payment.

ARAZZO

Interswitch Transaction Reconciliation

Find a transaction by merchant reference, then pull its full detail for reconciliation.

ARAZZO

Interswitch Transfer With Name Inquiry

Resolve a bank code, confirm the recipient account name, then send a single transfer.

ARAZZO

Interswitch Web Checkout And Confirm

Initiate a hosted Web Redirect payment, then server-side requery to confirm before delivering value.

ARAZZO

Scroll within the panel for all 14 ·

Pricing Plans 1

Pricing is part of the interface. Machine-readable plans tell you what a tier costs and includes before you commit — one of the six things the Kin Score reads for commercial clarity.

Published pricing tiers and plan structures.

Rate Limits 1

Rate limits are the difference between a demo that works and a production integration that doesn't fall over. Publishing them is an operational-transparency signal — and a hard requirement for any agent that plans its own throughput.

Documented rate limits and quota policies.

Interswitch Rate Limits

5 limits

RATE LIMITS

FinOps 1

Cost, billing, and metering signals let a buyer model the financial operations of an API before it's live. We profile them for the same reason we profile pricing: the money is part of the contract.

Cost, billing, and metering signals for API financial operations.

Features 20

The notable capabilities this provider advertises, captured as structured features so they can be searched and compared instead of read one landing page at a time.

Notable capabilities this provider offers.

Verve — Africa's first and largest domestic EMV chip-and-PIN card scheme, accepted at Interswitch-acquired ATMs, POS terminals, and online merchants across Nigeria
Quickteller — multi-rail consumer and business payments platform spanning bills, airtime, transfers, and merchant payments
Quickteller Business — merchant dashboard for collections, payment links, invoices, refunds, and webhooks
Web Checkout (Webpay) — hosted payment page with inline JavaScript popup and Web Redirect modes; Verve, Visa, and Mastercard acceptance
Payment Gateway — server-to-server card payments, Hosted Fields, 3D Secure, Google Pay
Transfers — Single, Bulk, Name Inquiry, and Bank Code Resolution endpoints over the NIBSS Instant Payment rails
Bills Payment — hundreds of Nigerian billers (DSTV, GOTV, PHCN, school fees, TSA government payments)
Airtime & Data Recharge — direct top-up and e-pin voucher delivery for MTN, Airtel, Glo, and 9mobile
Paycode (Pay with Mobile) — cardless ATM withdrawal and merchant token generation, single and bulk
Card 360 — issuer-processor card management for Verve, debit, and prepaid cards (create, PIN, block, link, balance)
Lending Service — nano loans, salary lending, value financing under `/lending-service/api/v1` and `/v3`
Customer Insights — demography, financial history, and financial-habit data products for credit decisioning
Transaction Search — Quick, Reference, Bulk, and Detail lookups for back-office reconciliation
Recurring Payments — Verve / Visa / Mastercard tokenization plus scheduled charges for subscriptions
Refunds — full and partial refund lifecycle with T+1 auto-settlement
Webhooks — HMAC-SHA512-signed events for TRANSACTION, SUBSCRIPTION, PAYMENT LINKS, and INVOICES
Authentication — OAuth 2.0 client-credentials via the Passport token service plus legacy InterswitchAuth signature scheme (SHA1-signed headers)
Sandbox environment at `sandbox.interswitchng.com` and `qa.interswitchng.com` with public test credentials
Smartfuel, Quickteller Homes, Smart City, and TransSwitch verticals served by the same core APIs
QR code interoperability across Nigerian banks

Scroll within the panel for all 20 ·

Semantic Vocabularies 1

JSON-LD contexts give the data shared meaning across APIs. We profile them because semantics are what let a machine reconcile 'customer' here with 'customer' somewhere else.

JSON-LD contexts and semantic vocabularies used across these APIs.

Interswitch Context

0 classes · 7 properties

JSON-LD

Spectral Rules 2

Governance rulesets we run against this provider's specs — the automated checks behind parts of the score. Profiling them makes the quality bar explicit and re-runnable, not a matter of opinion.

Interswitch API Rules

6 rules · 4 warnings

SPECTRAL

Interswitch API Rules

9 rules · 3 errors · 3 warnings

SPECTRAL

JSON Schema 1

Standalone JSON Schema definitions describe the data models behind the API. We profile them so the shapes are validatable on their own — useful long after a single request is forgotten.

Standalone JSON Schema definitions for this provider's data models.

Interswitch Payment

0 properties

JSON SCHEMA

Examples 1

Real request and response payloads are what turn a spec from abstract into obvious — and they're one of the twelve things an agent needs to call an API correctly on the first try.

Example request and response payloads for these APIs.

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals — the evidence that a provider takes security seriously enough to document it. We profile it because you can't govern what you can't see.

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Interswitch Authentication

apiKey/http · 2 schemes

SECURITY

Interswitch Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Agentic Access 1

An x-agentic-access contract marks which operations are safe for an agent to run on its own and which need a human in the loop. It is the difference between an API an agent can use and one it can use safely.

Recommended x-agentic-access execution contracts for AI agents.

Interswitch Agentic Access

55 operations · 31 acting · 1 human-in-the-loop

55 operations · 31 acting

AGENTIC

Resources

Every other property we hold for Interswitch — documentation, portals, status pages, policies, and corporate surface — grouped by the job it does, following the integrator's arc from getting started to running in production.

Get Started 3

Portal, sign-up, and the first successful call

Documentation 3

Reference material describing how the API behaves

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

Build 7

SDKs, sample code, and the tooling you integrate with

Scroll within the panel for all 7 ·

Learn 1

Tutorials, courses, talks, and written guidance

← All providers · Data indexed from github.com/api-evangelist/interswitch · machine-readable index on apis.io