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.
Solid contracts, transparent operations, and an easy start — typically complete on four or five facets with one clear soft spot.
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.
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.
Interswitch Card 360 API
POSTMANInterswitch Lending API
POSTMANInterswitch Paycode API
POSTMANInterswitch Refunds API
POSTMANInterswitch Transfers API
POSTMANInterswitch Web Checkout API
POSTMANScroll 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).
Interswitch Airtime Recharge API
OPEN COLLECTIONInterswitch Bills Payment API
OPEN COLLECTIONInterswitch Card 360 API
OPEN COLLECTIONInterswitch Customer Insights API
OPEN COLLECTIONInterswitch Lending API
OPEN COLLECTIONInterswitch Paycode API
OPEN COLLECTIONInterswitch Payment Gateway API
OPEN COLLECTIONInterswitch Recurring Payments API
OPEN COLLECTIONInterswitch Refunds API
OPEN COLLECTIONInterswitch Transaction Search API
OPEN COLLECTIONInterswitch Transfers API
OPEN COLLECTIONInterswitch Web Checkout API
OPEN COLLECTIONScroll 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.
ARAZZOInterswitch Validate Customer And Pay Bill
Look up a biller's payment item, validate the customer, then submit a bill payment advice.
ARAZZOInterswitch Card Payment With 3D Secure
Authorize a card payment, step up to 3D Secure when required, then confirm the final payment status.
ARAZZOInterswitch Hosted Fields Checkout
Open a hosted-fields session to collect card data out of PCI scope, then confirm the resulting payment.
ARAZZOInterswitch Issue And Activate Card
Issue a new card to a customer, set its PIN, then read back the activated card.
ARAZZOInterswitch Lending Enroll Payment Method
Generate a lending payment token, confirm it with an OTP, then debit a loan repayment with it.
ARAZZOInterswitch Lending Offer To Disbursement
Fetch a customer's loan offers, accept one, fund the loan, then confirm the customer's loan status.
ARAZZOInterswitch Link And Check Card Balance
Validate a card PAN, link it to a customer, then read the linked card's balance.
ARAZZOInterswitch Paycode Generate And Track
Generate a cardless Paycode token, poll its status, and cancel it if it is not yet used.
ARAZZOInterswitch Payment Refund And Track
Confirm an original payment, raise a refund against it, then poll the refund to a terminal state.
ARAZZOInterswitch Recurring Tokenize And Charge
Tokenize a card once, then charge the stored token for a recurring payment.
ARAZZOInterswitch Transaction Reconciliation
Find a transaction by merchant reference, then pull its full detail for reconciliation.
ARAZZOInterswitch Transfer With Name Inquiry
Resolve a bank code, confirm the recipient account name, then send a single transfer.
ARAZZOInterswitch Web Checkout And Confirm
Initiate a hosted Web Redirect payment, then server-side requery to confirm before delivering value.
ARAZZOScroll 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
RATE LIMITSFinOps 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.
Interswitch Finops
FINOPSFeatures 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.
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
JSON-LDSpectral 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
SPECTRALInterswitch API Rules
SPECTRALJSON 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
JSON SCHEMAExamples 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.
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.
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
Design & Contract 18
Pagination, idempotency, versioning, errors, and events
Scroll within the panel for all 18 ·
Build 7
SDKs, sample code, and the tooling you integrate with
Scroll within the panel for all 7 ·
Access & Security 5
Authentication, authorization, and security posture
Learn 1
Tutorials, courses, talks, and written guidance
Operate 4
Status, limits, changes, and where to get help
Commercial 4
Pricing, plans, and the legal terms of use
Company 4
The organization behind the API
← All providers · Data indexed from github.com/api-evangelist/interswitch · machine-readable index on apis.io