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 APIs 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.

Ozow’s developer surface includes authentication, documentation, engineering blog, getting-started guide, support, pricing, signup flow, and 27 more developer resources.

🌐 Visit website 📡 Source on GitHub
64.4/100 strong ▬ flat Agent 78/100 agent native Full breakdown ↓
scored 2026-07-27 · rubric v0.5
AccessPaidSelf serve
4 APIs 1 MCP Servers
PaymentsInstant EFTPay by BankFintechSouth Africa

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5
Composite quality — 64.4/100 · strong
Contract Quality 16.8 / 25
Developer Ergonomics 13.5 / 20
Commercial Clarity 17.9 / 20
Operational Transparency 3.8 / 13
Governance 0.0 / 12
Discoverability 10.0 / 10
Agent readiness — 78/100 · agent native
Machine-Readable Contract 18 / 18
Agentic Access Contract 15 / 15
MCP Server 12 / 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
Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/ozow: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

APIs 4

Individual APIs this provider publishes, each with its own machine-readable definition.

Ozow Banks API

Retrieve the list of supported banks for the payment flow.

Ozow Payments API

Create and initiate instant EFT payment requests.

Ozow Refunds API

Refund previously completed EFT payments from the merchant float.

Ozow Transactions API

Query transaction status by Ozow reference or merchant reference.

MCP Servers 1

Model Context Protocol servers that expose these APIs to AI agents.

ozow-mcp.yml

MCP SERVER

Pricing Plans 1

Published pricing tiers and plan structures.

Ozow Plans Pricing

2 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Ozow Rate Limits

2 limits

RATE LIMITS

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

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
DeveloperPortal
 GettingStarted
GettingStarted
 SignUp
SignUp
 Sandbox
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
 MCPServer
MCPServer
 LLMsTxt
LLMsTxt
 AgentSkill
AgentSkill

Design & Contract 7

Pagination, idempotency, versioning, errors, and events

Conformance
Conformance
 ErrorCatalog
ErrorCatalog
 Lifecycle
Lifecycle
 Conventions
Conventions
 Components
Components
 DataModel
DataModel
 Webhooks
Webhooks

Scroll for all 7

Build 2

SDKs, sample code, and the tooling you integrate with

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
Plans
 FinOps
FinOps
 Pricing
Pricing
 TermsOfService
TermsOfService
 PrivacyPolicy
PrivacyPolicy

Company 3

The organization behind the API

LinkedIn
LinkedIn
 Website
Website
 Blog
Blog

Other 1

Properties that don't map to a standard resource type

Overlay
Overlay

Source (apis.yml)

apis.yml Raw ↑ 
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.
accessModel:
  pricing: paid
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Paid · Self-serve signup
  confidence: high
  source:
  - plans
  - authentication
  generated: '2026-07-22'
  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: '0.19'
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:
  - 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: 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: MCPServer
  url: mcp/ozow-mcp.yml
- 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