Ozow

Ozow (formerly i-Pay) is a South African fintech providing an instant EFT / "Pay by Bank" payment gateway. Merchants create a server-side payment request, redirect the customer to the Ozow secure bank-selection flow, and reconcile via a server-to-server notification. The REST API is ZAR-only (CountryCode ZA), authenticated with an ApiKey header and a SHA512 HashCheck built from a merchant PrivateKey.

Ozow publishes 4 API contracts indexed on the APIs.io network, including Banks API, Payments API, Refunds API, and 1 more. Tagged areas include Payments, Instant EFT, Pay by Bank, Fintech, and South Africa.

The Ozow catalog on APIs.io includes 1 event-driven AsyncAPI specification and 1 Spectral governance ruleset.

Ozow’s developer surface includes authentication, documentation, engineering blog, getting-started guide, support, pricing, signup flow, and 29 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

55.2/100 strong ▬ flat Agent 29/100 agent ready Front door AI 1/6 silent saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

AccessPaid

1 published contract 3 Agent Skills

PaymentsInstant EFTPay by Bank Fintech South Africa

What this lets a business do 1

Business capabilities this provider's published APIs can perform, derived from its own contracts. Browse all capabilities →

Consumer Commerce

AE-140

Payments

POST /postpaymentrequest

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 55.2/100 · strong

Contract Quality 10.6 / 19

Developer Ergonomics 5.4 / 15

Access Clarity 13.0 / 15

Operational Transparency 2.3 / 10

Contract Governance 2.9 / 9

Discoverability 5.5 / 8

Regulatory Posture 5.9 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 29/100 · agent ready

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 6 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 6 / 6

Agent Skills 5 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 4 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 0 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Payments regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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Agent readiness — checks not met, largest first (exact, from this profile):

MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Request/Response Examples +7 pts — share of operations carrying request/response examples; else an Examples / Code Samples link
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document
Delegated User Identity +6 pts — a served discovery document listing authorization_code in grant_types_supported (served), else an oauth2 authorizationCode flow or openIdConnect declared in an OpenAPI (documented)

5 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Developer Ergonomics scores 36.3 — up to +12.7 composite points
Contract Quality scores 56.4 — up to +10.9 composite points
Operational Transparency scores 23.7 — up to +9.9 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/ozow/apis.yml: open an issue on github.com/api-evangelist/ozow to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
African Payments (Nigeria, Kenya, South Africa, Ghana, WAEMU)	regulated	36.4 (thin)	-	-

AGENT SKILL

Refund a completed EFT payment

AGENT SKILL

Ozow API pricing

Prices published by Ozow, read 2026-10-28 from ozow.com/pricing.

Plan	Price
Standard Package	No setup fees. No hidden extras. Just straightforward pricing Includes: Cost effective payment solutions; Flexibility to scale as you grow; No minimum processing amount
Enterprise Package	Tailored pricing Includes: Prioritised support; Must process R1.5 million+ per month
Local Card Payments	2.85% for transactions from R0 - R249,999.99 or a minimum of R1.00 on all transactions
Local Card Payments (R250,000 - R499,999.99)	2.75% for transactions from R250,000 - R499,999.99 or a minimum of R1.00 on all transactio
Local Card Payments (R500,000 - R1,000,000)	2.65% for transactions from R500,000 - R1,000,000 or a minimum of R1.00 on all transaction
International Card Payments	3.5% or a minimum of R1.00 on all transactions
Capitec Pay	1.5% or a minimum of R1.00 on all transactions
Nedbank Direct EFT	1.5% or a minimum of R1.00 on all transactions

All 16 plans, limits and sources →

Rate limits

Payment request submission: see provider documentation requests
Transaction query (GetTransaction / GetTransactionByReference): see provider documentation requests

Compiled by API Evangelist, not yet checked against Ozow's documentation. Rate-limit details →

Billed by: transaction · FinOps profile →

Pricing Plans 2

Published pricing tiers and plan structures.

Ozow Plans Pricing

16 plans

PLANS

Ozow Price Estimates

0 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Ozow Rate Limits

2 limits

RATE LIMITS

Service Levels 1

Uptime the provider promises or reports, as SLA4OAI. Read from its own pages; APIs.io runs no monitors.

Ozow

SLA

FinOps 1

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

Ozow Finops

FINOPS

Event Specifications 1

AsyncAPI definitions for this provider's event-driven and streaming APIs.

Ozow Webhooks

ASYNCAPI

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

Ozow API Rules

62 rules · 60 errors 1 warnings 1 info

SPECTRAL

OpenAPI Overlays 1

Overlays applied on top of this provider's contracts. Each card says who wrote it: a document the provider publishes, or one API Evangelist derived or generated.

Ozow Openapi Overlay

4 actions · update · ozow-openapi.yml

DERIVED

Security Posture 4

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

Ozow Authentication

apiKey/http · 2 schemes

SECURITY

Ozow Domain Security

HSTS · DMARC

SECURITY

Ozow Vulnerability Disclosure

security.txt · contact published

SECURITY

Ozow Trust Center

PCI DSS Level 1, ISO/IEC 27001

SECURITY

Agentic Access 1

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

Ozow Agentic Access

5 operations · 2 acting · 2 human-in-the-loop

5 operations · 2 acting

AGENTIC

Resources

Get Started 4

Portal, sign-up, and the first successful call

DeveloperPortal

GettingStarted

SignUp

Sandbox

Documentation 1

Reference material describing how the API behaves

Documentation

Documentation

Agent Surfaces 4

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

AgenticAccess

X-MCPServerCandidate

X-MCPServerCandidate

LLMsTxt

LLMsTxt

AgentSkill

AgentSkill

Design & Contract 7

Pagination, idempotency, versioning, errors, and events

Conformance

ErrorCatalog

Lifecycle

Conventions

Components

DataModel

Webhooks

Scroll for all 7

Build 3

SDKs, sample code, and the tooling you integrate with

PostmanWorkspace

PostmanWorkspace

Packages

Packages

DeclineCodes

DeclineCodes

Access & Security 5

Authentication, authorization, and security posture

TrustCenter

TrustCenter

VulnerabilityDisclosure

VulnerabilityDisclosure

DomainSecurity

DomainSecurity

Authentication

Authentication

Compliance

Compliance

Operate 2

Status, limits, changes, and where to get help

RateLimits

RateLimits

Support

Support

Commercial 5

Pricing, plans, and the legal terms of use

Plans

FinOps

Pricing

TermsOfService

PrivacyPolicy

Company 3

The organization behind the API

LinkedIn

Website

Website

Blog

Blog

Other 2

Properties that don't map to a standard resource type

CapabilityMap

CapabilityMap

Overlay

Overlay

Source (apis.yml)

aid: ozow
url: https://raw.githubusercontent.com/api-evangelist/ozow/refs/heads/main/apis.yml
name: Ozow
kind: company
description: Ozow (formerly i-Pay) is a South African fintech providing an instant EFT / "Pay by Bank" payment gateway. Merchants
  create a server-side payment request, redirect the customer to the Ozow secure bank-selection flow, and reconcile via a
  server-to-server notification. The REST API is ZAR-only (CountryCode ZA), authenticated with an ApiKey header and a SHA512
  HashCheck built from a merchant PrivateKey.
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: paid
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Paid
  confidence: high
  source:
  - plans
  - authentication
  - security
  - sandbox
  generated: '2026-11-06'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/ozow.png
tags:
- Payments
- Instant EFT
- Pay by Bank
- Fintech
- South Africa
created: '2026-07-17'
modified: '2026-07-17'
specificationVersion: '0.23'
apis:
- aid: ozow:ozow-banks-api
  name: Ozow Banks API
  description: Retrieve the list of supported banks for the payment flow.
  humanURL: https://hub.ozow.com/docs
  baseURL: https://api.ozow.com
  tags:
  - Banks
  properties:
  - type: OpenAPI
    url: openapi/ozow-banks-api-openapi.yml
  - type: Documentation
    url: https://hub.ozow.com/docs
  - type: APIReference
    url: https://ozow.com/integrations
  - type: PostmanCollection
    url: collections/ozow.postman_collection.json
- aid: ozow:ozow-payments-api
  name: Ozow Payments API
  description: Create and initiate instant EFT payment requests.
  humanURL: https://hub.ozow.com/docs
  baseURL: https://api.ozow.com
  tags:
  - Payments
  properties:
  - type: OpenAPI
    url: openapi/ozow-payments-api-openapi.yml
  - type: Documentation
    url: https://hub.ozow.com/docs
  - type: APIReference
    url: https://ozow.com/integrations
  - type: PostmanCollection
    url: collections/ozow.postman_collection.json
- aid: ozow:ozow-refunds-api
  name: Ozow Refunds API
  description: Refund previously completed EFT payments from the merchant float.
  humanURL: https://hub.ozow.com/docs
  baseURL: https://api.ozow.com
  tags:
  - Refunds
  properties:
  - type: OpenAPI
    url: openapi/ozow-refunds-api-openapi.yml
  - type: Documentation
    url: https://hub.ozow.com/docs
  - type: APIReference
    url: https://ozow.com/integrations
  - type: PostmanCollection
    url: collections/ozow.postman_collection.json
- aid: ozow:ozow-transactions-api
  name: Ozow Transactions API
  description: Query transaction status by Ozow reference or merchant reference.
  humanURL: https://hub.ozow.com/docs
  baseURL: https://api.ozow.com
  tags:
  - Transaction
  tags_raw:
  - Transactions
  properties:
  - type: OpenAPI
    url: openapi/ozow-transactions-api-openapi.yml
  - type: Documentation
    url: https://hub.ozow.com/docs
  - type: APIReference
    url: https://ozow.com/integrations
  - type: PostmanCollection
    url: collections/ozow.postman_collection.json
common:
- type: CapabilityMap
  url: capabilities/ozow-capability-edges.yml
  name: Ozow Business Capability Map
- type: PostmanWorkspace
  url: https://www.postman.com/kinlaneapi/ozow/overview
- type: AgenticAccess
  url: agentic-access/ozow-agentic-access.yml
- type: TrustCenter
  url: security/ozow-trust-center.yml
- type: VulnerabilityDisclosure
  url: security/ozow-vulnerability-disclosure.yml
- type: DomainSecurity
  url: security/ozow-domain-security.yml
- type: Authentication
  url: authentication/ozow-authentication.yml
- type: LinkedIn
  url: https://za.linkedin.com/company/ozowsecurepayments
- type: Website
  url: https://ozow.com/
- type: Documentation
  url: https://hub.ozow.com/docs
- type: Plans
  url: plans/ozow-plans-pricing.yml
- type: RateLimits
  url: rate-limits/ozow-rate-limits.yml
- type: FinOps
  url: finops/ozow-finops.yml
- url: https://ozow.com/blog
  type: Blog
- type: DeveloperPortal
  url: https://hub.ozow.com/docs
- type: GettingStarted
  url: https://hub.ozow.com/docs
- type: Support
  url: https://ozow.com/contact
- type: Pricing
  url: https://ozow.com/pricing
- type: SignUp
  url: https://dash.ozow.com
- type: TermsOfService
  url: https://ozow.com/terms-and-conditions
- type: PrivacyPolicy
  url: https://ozow.com/privacy-policy
- type: Packages
  url: packages/ozow-packages.yml
- type: X-MCPServerCandidate
  url: mcp/ozow-mcp.yml
  note: 'Renamed from MCPServer 2026-09-03 (roadmap#247): the manifest self-describes as status: candidate — a tool list derived
    from the published API contracts, not an existing server. The scorer already read the manifest and reported mcp_server
    correctly; the MCPServer type was crediting the artifact-type surfaces with a server that does not exist.'
- type: LLMsTxt
  url: llms/ozow-llms.txt
- type: Overlay
  url: overlays/ozow-openapi-overlay.yaml
- type: Conformance
  url: conformance/ozow-conformance.yml
- type: Compliance
  url: security/ozow-trust-center.yml
- type: ErrorCatalog
  url: errors/ozow-problem-types.yml
- type: DeclineCodes
  url: errors/ozow-decline-codes.yml
- type: Lifecycle
  url: lifecycle/ozow-lifecycle.yml
- type: Sandbox
  url: sandbox/ozow-sandbox.yml
- type: Conventions
  url: conventions/ozow-conventions.yml
- type: Components
  url: components/ozow-components.yml
- type: DataModel
  url: data-model/ozow-data-model.yml
- type: Webhooks
  url: asyncapi/ozow-webhooks.yml
- type: AgentSkill
  url: skills/_index.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

Ozow API — frequently asked questions

Does Ozow have an API?

Yes. APIs.io lists 4 APIs from Ozow, including Ozow Banks API, Ozow Payments API and Ozow Refunds API, and 1 more.

Is there an OpenAPI specification for the Ozow API?

Yes. APIs.io indexes 4 OpenAPI specifications for Ozow, each linked for download from this page.

How do I authenticate with the Ozow API?

Ozow uses bearer-token authentication (apiKey/http · 2 schemes). The details are profiled on APIs.io as Ozow Authentication.

How much does the Ozow API cost?

Ozow publishes its prices; its Standard Package plan is No setup fees. No hidden extras. Just straightforward pricing as of 2026-10-28. APIs.io lists 16 pricing plans for Ozow, with each plan's price, limits and inclusions under Pricing on this page.

Is the Ozow API ready for AI agents?

Ozow has a Kin Score of 55.2 out of 100 (strong) and an Agent Readiness score of 28.9 (agent-ready), scored by API Evangelist on 2026-11-06.

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