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.

12 APIs 20 Features

PaymentsPayment InfrastructureCard NetworkVerveQuicktellerWebpayBills PaymentTransfersLendingFintechAfricaNigeria

APIs

Interswitch Web Checkout API

Interswitch Web Checkout (formerly Webpay) is the company's hosted payment gateway. Two integration modes — inline JavaScript popup (`newwebpay.interswitchng.com/inline-checkout...

Interswitch Payment Gateway API

Server-to-server card payment APIs for PCI-DSS-licensed merchants — direct Card Payments, Hosted Fields, 3D Secure step-up, Google Pay, and Pay Bill payment-link generation. Bas...

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 Bills Payment API

Quickteller bills payment service — list billers (`GET /api/v2/quickteller/billers`), get payment items, validate customer references, and submit payment advices for DSTV, GOTV,...

Interswitch Airtime Recharge API

Virtual top-up (direct airtime and data) and e-pin voucher delivery for MTN, Airtel, Glo, and 9mobile. Same biller/category/payment-item flow as Bills Payment, with category ID ...

Interswitch Paycode API

Cardless cash and merchant tokens (Pay with Mobile / Paycode). Generate single or bulk one-time tokens via `POST /api/v1/pwm/subscribers/{subscriberId}/tokens`, query token stat...

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 Recurring Payments API

Tokenize Verve, Visa, and Mastercard cards at `POST /api/v2/purchases/validations/recurrents` then charge them on schedule via `POST /api/v2/purchases/recurrents`. Token + expir...

Interswitch Card 360 API

Card issuer and cardholder lifecycle management for Verve, debit, and prepaid cards — create cards, set/reset PIN, block/unblock, balance inquiry, card linking, and card validat...

Interswitch Lending API

Marketplace lending APIs connecting loan providers and distribution channels under `/lending-service/api/v1` — list providers, fetch offers (`GET /lending-service/api/v3/offers`...

Interswitch Customer Insights API

Permissioned access to demography, financial history, average financial history, and financial-habit signals derived from Interswitch's transaction switch and Verve card network...

Interswitch Transaction Search API

Back-office transaction and settlement verification APIs — Quick Search, Reference Search, Bulk Search, and Transaction Detail lookups across Quickteller Business, Webpay, Trans...

Pricing Plans

Interswitch Plans Pricing

5 plans

PLANS

Rate Limits

Interswitch Rate Limits

5 limits

RATE LIMITS

FinOps

Interswitch Finops

FINOPS

Features

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

Sources

opencollection: 1.0.0
info:
  name: Interswitch Web Checkout API
  version: '2024-01-01'
request:
  auth:
    type: apikey
    key: Authorization
    value: '{{Authorization}}'
    placement: header
items:
- info:
    name: Checkout
    type: folder
  items:
  - info:
      name: Initiate Web Redirect Payment
      type: http
    http:
      method: POST
      url: https://sandbox.interswitchng.com/collections/w/pay
      body:
        type: form-urlencoded
        data: []
    docs: 'POST an HTML form (`application/x-www-form-urlencoded`) to redirect the

      customer to the Interswitch hosted payment page. After payment, the

      browser is redirected back to `site_redirect_url` with `txnref` in the

      query string. Always confirm the transaction server-side via

      `/collections/api/v1/gettransaction.json` before delivering value.

      '
- info:
    name: Transactions
    type: folder
  items:
  - info:
      name: Get Transaction Status
      type: http
    http:
      method: GET
      url: https://sandbox.interswitchng.com/collections/api/v1/gettransaction.json
      params:
      - name: merchantcode
        value: ''
        type: query
        description: Merchant code issued by Interswitch.
      - name: transactionreference
        value: ''
        type: query
        description: Original `txn_ref` submitted at checkout.
      - name: amount
        value: ''
        type: query
        description: Original transaction amount in minor units (kobo).
    docs: 'Server-side transaction requery. Returns the authoritative status,

      response code, and amount for a given transaction reference. Must be

      called before delivering value; do not rely on the browser redirect

      parameters.

      '
bundled: true