# Interswitch **Canonical:** https://apis.io/providers/interswitch/ **Website:** https://www.interswitchgroup.com **APIs profiled:** 32 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. ## Kin Score — 58.3 / 100 (strong) Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 58.3). | Facet | Score | |---|---| | Discoverability | 59.3 | | Contract Quality | 59.0 | | Governance | 25.0 | | Contract Governance | 25.0 | | Operational Transparency | 39.5 | | Developer Ergonomics | 54.8 | | Commercial Clarity | 81.6 | | Access Clarity | 81.6 | Regulatory layer — **Payments**: 46.9 (matched via tags). ## Agent readiness — 42.6 (agent-ready) | Dimension | Value | |---|---| | Spec Presence | yes | | Agentic Access | derived | | Reversibility Documented | documented | | MCP Server | no | | Auth Clarity | yes | | Idempotency | no | | Error Semantics | documented | | OpenAPI Examples | partial | | Rate Limit Signal | documented | | Event Surface Described | yes | | Agent Skills | no | | Well Known Catalog | no | | Consent Identity | no | | Agent Card | no | | Dry Run Mode | no | ## Access Paid · Self-serve signup — onboarding: self-serve, pricing: paid, trial: no (confidence: high). ## APIs (32) - **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 ## Agentic access (1) - **Interswitch Agentic Access** — 55 operations · 31 acting · 1 human-in-the-loop ## Security (2) - **Interswitch Authentication** — apiKey/http · 2 schemes - **Interswitch Domain Security** — TLSv1.3 · HSTS · DNSSEC · DMARC ## Plans (1) - **Interswitch Plans Pricing** ## Tags Payments, Payment Infrastructure, Card Network, Verve, Quickteller, Webpay, Bills Payment, Transfers, Lending, Fintech, Africa, Nigeria --- Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/interswitch/). Scores are computed from the provider's own public artifacts under a published rubric.