Paystack
Paystack is an African payment processor (acquired by Stripe in 2020) that lets businesses accept payments in Nigeria, Ghana, South Africa, Kenya, Côte d'Ivoire, and Egypt across cards, bank transfers, USSD, QR, EFT, and mobile money channels. Its single REST API covers one-time charges, recurring subscriptions, marketplace splits, dedicated virtual accounts, invoices, transfers (payouts), refunds, disputes, settlements, and KYC/identity verification — all wrapped in a developer experience that has made it one of the most respected public APIs on the continent.
Reference-quality API operations across every facet — a rich contract, published governance, transparent operations, and machine-readable commercial terms.
API Evangelist profiles Paystack the way a machine reads it — 148 machine-readable artifacts across 21 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 — Paystack scores 72.4/100 (exemplar), with a separate agent-readiness read of 61/100 (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
How this is scored →scored 2026-07-27 · rubric v0.5
How we profile Paystack
Each block below is one kind of artifact we hold for Paystack. 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 21
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.
Paystack Webhooks
Outbound webhook surface that notifies a single merchant-configured POST endpoint of transaction, dispute, refund, transfer, subscription, invoice, payment request, customer ide...
Paystack Balance API
The Balance API from Paystack — 2 operation(s) for balance.
Paystack Bulk Charge API
The Bulk Charge API from Paystack — 5 operation(s) for bulk charge.
Paystack Charge API
The Charge API from Paystack — 7 operation(s) for charge.
Paystack Customer API
The Customer API from Paystack — 5 operation(s) for customer.
Paystack Dedicated Virtual Account API
The Dedicated Virtual Account API from Paystack — 4 operation(s) for dedicated virtual account.
Paystack Dispute API
The Dispute API from Paystack — 7 operation(s) for dispute.
Paystack Integration API
The Integration API from Paystack — 1 operation(s) for integration.
Paystack Page API
The Page API from Paystack — 4 operation(s) for page.
Paystack Payment Request API
The Payment Request API from Paystack — 7 operation(s) for payment request.
Paystack Plan API
The Plan API from Paystack — 2 operation(s) for plan.
Paystack Product API
The Product API from Paystack — 2 operation(s) for product.
Paystack Refund API
The Refund API from Paystack — 2 operation(s) for refund.
Paystack Settlement API
The Settlement API from Paystack — 2 operation(s) for settlement.
Paystack Split API
The Split API from Paystack — 4 operation(s) for split.
Paystack Subaccount API
The Subaccount API from Paystack — 2 operation(s) for subaccount.
Paystack Subscription API
The Subscription API from Paystack — 6 operation(s) for subscription.
Paystack Transaction API
The Transaction API from Paystack — 12 operation(s) for transaction.
Paystack Transfer API
The Transfer API from Paystack — 10 operation(s) for transfer.
Paystack Transfer Recipient API
The Transfer Recipient API from Paystack — 3 operation(s) for transfer recipient.
Paystack Verification API
The Verification API from Paystack — 7 operation(s) for verification.
Scroll within the panel for all 21 ·
Postman Collections 13
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.
Paystack Accept Payments API
POSTMANPaystack Balance API
POSTMANPaystack Customers API
POSTMANPaystack Settlements API
POSTMANPaystack Subscriptions API
POSTMANPaystack Transfers API
POSTMANPaystack Verification API
POSTMANScroll within the panel for all 13 ·
Open Collections 13
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).
Paystack Accept Payments API
OPEN COLLECTIONPaystack Balance API
OPEN COLLECTIONPaystack Customers API
OPEN COLLECTIONPaystack Dedicated Virtual Accounts API
OPEN COLLECTIONPaystack Integration Settings API
OPEN COLLECTIONPaystack Payment Requests API
OPEN COLLECTIONPaystack Products and Payment Pages API
OPEN COLLECTIONPaystack Refunds and Disputes API
OPEN COLLECTIONPaystack Settlements API
OPEN COLLECTIONPaystack Splits and Subaccounts API
OPEN COLLECTIONPaystack Subscriptions API
OPEN COLLECTIONPaystack Transfers API
OPEN COLLECTIONPaystack Verification API
OPEN COLLECTIONScroll within the panel for all 13 ·
Arazzo Workflows 25
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.
Paystack Add a Subaccount to an Existing Split
Create a new subaccount, add it to an existing transaction split, then fetch the split to confirm membership.
ARAZZOPaystack Blacklist a Customer After a Dispute
List the disputes raised against a transaction, fetch the customer, then blacklist them and deactivate the card authorization.
ARAZZOPaystack Bulk Recipients and Bulk Transfer
Bulk-create transfer recipients, list them to confirm registration, then initiate a bulk transfer to pay them all.
ARAZZOPaystack Charge and Refund a Transaction
Initialize and verify a transaction, then create a refund against it and fetch the refund status.
ARAZZOPaystack Create Charge and Submit OTP
Create a direct charge, branch when an OTP is required, submit the OTP, then check the final charge status.
ARAZZOPaystack Create Charge and Submit PIN
Create a direct card charge, branch when a PIN is required, submit the PIN, then check the final charge status.
ARAZZOPaystack Check Authorization and Partial Debit
Check that an authorization can bear a charge, then take a partial debit against it for whatever is available.
ARAZZOPaystack Create Customer and Charge Authorization
Create a customer, initialize a first transaction, verify it to obtain an authorization, then charge that authorization for a recurring debit.
ARAZZOPaystack Create Customer and Send Payment Request
Create a customer, raise an invoice-style payment request for them, send the email notification, then verify the request.
ARAZZOPaystack Provision a Dedicated Virtual Account
Look up an available bank provider, create a customer, assign a dedicated NUBAN virtual account, then fetch its details.
ARAZZOPaystack Create Customer, Plan and Subscription
Create a customer, define a billing plan, then subscribe the customer to the plan for recurring charges.
ARAZZOPaystack Create Product and Payment Page
Create a product, check a page slug is available, create a hosted payment page, then attach the product to the page.
ARAZZOPaystack Create Recipient and Initiate Transfer
Create a transfer recipient from bank details, initiate a transfer to it, then verify the transfer by reference.
ARAZZOPaystack Create Subaccount and Transaction Split
Create a subaccount, build a transaction split that pays it, then initialize a transaction against the split.
ARAZZOPaystack Disable and Re-enable a Subscription
Fetch a subscription to read its email token, disable it, then re-enable it using the same code and token.
ARAZZOPaystack Submit Dispute Evidence and Resolve
Fetch a dispute, attach evidence to it, request an upload URL for supporting files, then resolve the dispute.
ARAZZOPaystack Finalize and Archive a Draft Payment Request
Create a draft payment request, finalize it to issue the invoice, verify it, then archive it once handled.
ARAZZOPaystack Initialize and Verify Transaction
Initialize a checkout transaction and then verify its final status by reference.
ARAZZOPaystack Initiate and Finalize Transfer with OTP
Initiate a transfer, finalize it with the OTP sent to the business phone, then verify the completed transfer.
ARAZZOPaystack Initiate and Monitor a Bulk Charge
Initiate a bulk charge batch against saved authorizations, fetch the batch, then list the charges in the batch.
ARAZZOPaystack Resolve Account and Create Transfer Recipient
Resolve a bank account number to confirm the account name, then create a transfer recipient and initiate a transfer.
ARAZZOPaystack Resolve Card BIN and Charge Authorization
Resolve a card BIN to learn the card brand and country, then charge a saved authorization for that card.
ARAZZOPaystack Settlement Reconciliation
Fetch settlement records, then list the transactions that make up a chosen settlement payout.
ARAZZOPaystack Subscribe and Generate a Management Link
Create a subscription, fetch it to read its status, then generate a self-service management link for the customer.
ARAZZOPaystack Create and Validate Customer (KYC)
Create a customer, resolve their BVN, then submit a bank-account identification to validate the customer.
ARAZZOScroll within the panel for all 25 ·
GraphQL 1
Where a provider ships GraphQL, the schema is the contract. We profile it alongside the REST surface so the whole interface is legible in one place.
GraphQL schemas published by this provider.
Paystack GraphQL Schema
This document describes a GraphQL schema that represents the Paystack REST API domain model. Paystack is a Nigerian payments platform (acquired by Stripe in 2020) that provides ...
GRAPHQLPricing 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.
Paystack 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.
Paystack Finops
FINOPSFeatures 19
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.
Hosted Checkout
Paystack-hosted authorization URL that handles PCI, SCA, OTP, USSD, QR, and 3DS flows for you.
Direct Charge API
Initiate charges programmatically with structured PIN, OTP, phone, birthday, and address challenge steps.
Recurring Subscriptions
Plans plus subscriptions with self-service customer management and email/SMS invoice notifications.
Transaction Splits
Route a single payment to multiple subaccounts on a percentage or flat basis for marketplaces.
Subaccounts
Vendor or merchant profiles with their own settlement bank and percentage charge.
Dedicated Virtual Accounts
NUBAN virtual accounts assigned to individual customers for bank-transfer-based payments with auto-reconciliation.
Payment Pages
No-code Paystack-hosted pages for selling products or accepting donations.
Payment Requests
Email-based invoices with verification, notification, finalization, and archive flows.
Single and Bulk Transfers
Pay out from balance to bank accounts and mobile money wallets, one at a time or as batches.
Bulk Charge
Charge many stored authorizations in a single batch with pause and resume controls.
Refunds
Partial or full refunds with merchant and customer notes.
Disputes and Chargebacks
Programmatic dispute response with signed evidence-upload URLs and resolution workflow.
Settlements
Read net settlement payouts and drill down into the transactions that composed each batch.
Identity Verification
BVN match, BVN resolution, account number resolution, card BIN lookup, country/bank lookup, and AVS state lists.
Multi-Currency
Accept NGN, GHS, ZAR, KES, XOF, EGP, and USD across supported markets.
Multi-Channel
Card, bank transfer, USSD, QR, mobile money (M-Pesa, MTN MoMo, Orange Money, Wave), EFT, Apple Pay, Visa QR.
Webhooks
Signed webhook deliveries for transaction, dispute, refund, transfer, subscription, and invoice events with 72-hour retries.
Test Mode
A complete test environment with test cards covering success, decline, OTP, PIN, and 3DS flows.
Dashboard
First-class merchant dashboard for transactions, customers, subscriptions, transfers, settlements, and disputes.
Scroll within the panel for all 19 ·
Event Specifications 1
Not every API is request/response. AsyncAPI describes the event-driven and streaming side — the webhooks and channels — so the asynchronous half of the interface is documented the same way the synchronous half is.
AsyncAPI definitions for this provider's event-driven and streaming APIs.
Paystack Webhooks
AsyncAPI 2.6 description of Paystack's outbound webhook surface. Paystack notifies a single merchant-configured POST endpoint (the "webhook URL") whenever an event occurs agains...
ASYNCAPISemantic 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.
Paystack Context
JSON-LDSpectral Rules 3
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.
JSON Schema 9
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.
Paystack Customer
JSON SCHEMAPaystack Dispute
JSON SCHEMAPaystack Plan
JSON SCHEMAPaystack Refund
JSON SCHEMAPaystack Transaction Split
JSON SCHEMAPaystack Subaccount
JSON SCHEMAPaystack Subscription
JSON SCHEMAPaystack Transaction
JSON SCHEMAPaystack Transfer
JSON SCHEMAScroll within the panel for all 9 ·
JSON Structure 5
JSON Structure captures the data shapes in a form built for tooling — a complement to JSON Schema that keeps the model machine-legible.
JSON Structure definitions describing this provider's data shapes.
Paystack Customer Structure
JSON STRUCTUREPaystack Split Structure
JSON STRUCTUREPaystack Subscription Structure
JSON STRUCTUREPaystack Transaction Structure
JSON STRUCTUREPaystack Transfer Structure
JSON STRUCTUREExamples 6
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 3
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.
Use Cases 9
What developers actually build with this provider — captured so the catalogue answers 'what is this for', not just 'what does this expose'.
What developers build with this provider.
E-commerce Checkout
Drop-in checkout for online stores accepting cards, USSD, bank transfer, and mobile money across Africa.
SaaS Recurring Billing
Subscription-based revenue with plans, automatic renewal, self-service updates, and dunning.
Marketplaces and Multi-Vendor Platforms
Split-payment routing to vendor subaccounts with platform fee retention.
Cross-Border Payments
Accept cards from international customers while settling locally.
Mobile Money Acceptance
M-Pesa, MTN, Orange Money, Wave acceptance in Ghana, Kenya, Côte d'Ivoire.
Bank Transfer Acceptance
Dedicated virtual accounts auto-reconcile inbound NUBAN transfers.
Payouts and Vendor Disbursement
Single and bulk transfers to bank or mobile money for gig platforms and payroll-light apps.
Invoicing and B2B Collections
Issue payment requests by email with verification and reminders.
Donations and Crowdfunding
Payment Pages for one-off donations or product sales without writing checkout code.
Scroll within the panel for all 9 ·
Integrations 10
Pre-built integrations with other platforms tell you where this provider already fits in a stack.
Pre-built integrations with other platforms and tools.
WooCommerce
Official Paystack payment gateway for WooCommerce stores.
Magento and Magento 2
Official Magento extensions for Paystack acceptance.
PrestaShop
Plugins for PrestaShop 1.6 and 1.7.
OpenCart
OpenCart extensions for Paystack.
WHMCS
Hosting and billing platform integration.
Moodle
Course enrolment via Paystack.
Odoo
Payment gateway integration for Odoo 14.
Omnipay
Paystack gateway driver for the PHP Omnipay payment-abstraction library.
Joomla, Drupal, Ghost, Wordpress
Community and official plugins across major CMS platforms.
Stripe
Paystack is a Stripe subsidiary; merchants can operate in Stripe-aligned multi-region setups.
Scroll within the panel for all 10 ·
Solutions 5
Packaged solutions the provider offers on top of the raw API surface.
Packaged solutions this provider offers.
Online Businesses
Hosted checkout for e-commerce and SaaS.
Marketplaces
Splits + subaccounts for multi-vendor platforms.
Subscription Businesses
Plans, subscriptions, and dunning for recurring revenue.
Platforms and Apps
Transfers, dedicated virtual accounts, and identity verification for fintech and platform builds.
Education and Nonprofits
Payment Pages and Payment Requests for donations and tuition collection.
Resources
Every other property we hold for Paystack — 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 8
Reference material describing how the API behaves
Scroll within the panel for all 8 ·
Agent Surfaces 1
MCP servers, agent skills, and machine-readable catalogs
Design & Contract 28
Pagination, idempotency, versioning, errors, and events
Scroll within the panel for all 28 ·
Build 16
SDKs, sample code, and the tooling you integrate with
Scroll within the panel for all 16 ·
Access & Security 5
Authentication, authorization, and security posture
Operate 4
Status, limits, changes, and where to get help
Commercial 10
Pricing, plans, and the legal terms of use
Scroll within the panel for all 10 ·
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