# Ozow

**Canonical:** https://apis.io/providers/ozow/  
**Website:** https://ozow.com/  
**APIs profiled:** 4

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.

## Kin Score — 60.8 / 100 (strong)

Scored 2026-08-17 under rubric 0.11.0. Trend: flat (+0.0 from 60.8).

| Facet | Score |
|---|---|
| Discoverability | 81.5 |
| Contract Quality | 68.7 |
| Governance | 20.8 |
| Operational Transparency | 28.9 |
| Developer Ergonomics | 60.3 |
| Commercial Clarity | 89.5 |

Regulatory layer — **Payments**: 56.3 (matched via tags).

## Agent readiness — 43.5 (agent-ready)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| MCP Server | derived |
| Auth Clarity | yes |
| Idempotency | no |
| Error Semantics | documented |
| OpenAPI Examples | no |
| Rate Limit Signal | documented |
| Event Surface Described | yes |
| Agent Skills | derived |
| 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 (4)

- **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)

- **ozow-mcp.yml**

## Agentic access (1)

- **Ozow Agentic Access** — 5 operations · 2 acting · 2 human-in-the-loop

## Security (4)

- **Ozow Authentication** — apiKey/http · 2 schemes
- **Ozow Domain Security** — HSTS · DMARC
- **Ozow Vulnerability Disclosure** — security.txt · contact published
- **Ozow Trust Center** — PCI DSS Level 1, ISO/IEC 27001

## Plans (1)

- **Ozow Plans Pricing**

## Tags

Payments, Instant EFT, Pay by Bank, Fintech, South Africa

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/ozow/). Scores are computed from the provider's own public artifacts under a published rubric.