Paystack
Paystack is an African payment processor (acquired by Stripe in 2020) that lets businesses accept payments in Nigeria, Ghana, South Africa, Kenya, Côte d'Ivoire, and Egypt across cards, bank transfers, USSD, QR, EFT, and mobile money channels. Its single REST API covers one-time charges, recurring subscriptions, marketplace splits, dedicated virtual accounts, invoices, transfers (payouts), refunds, disputes, settlements, and KYC/identity verification — all wrapped in a developer experience that has made it one of the most respected public APIs on the continent.
Paystack publishes 21 APIs on the APIs.io network, including Webhooks, Balance API, Bulk Charge API, and 18 more. Tagged areas include Payments, Africa, Fintech, Recurring Billing, and Marketplaces.
The Paystack catalog on APIs.io includes 1 event-driven AsyncAPI specification, 1 JSON-LD context, and 3 Spectral governance rulesets.
Paystack’s developer surface includes authentication, developer portal, documentation, API reference, getting-started guide, signup flow, changelog, and 70 more developer resources.
Kin Score
APIs 21
Individual APIs this provider publishes, each with its own machine-readable definition.
Paystack Webhooks
Outbound webhook surface that notifies a single merchant-configured POST endpoint of transaction, dispute, refund, transfer, subscription, invoice, payment request, customer ide...
Paystack Balance API
The Balance API from Paystack — 2 operation(s) for balance.
Paystack Bulk Charge API
The Bulk Charge API from Paystack — 5 operation(s) for bulk charge.
Paystack Charge API
The Charge API from Paystack — 7 operation(s) for charge.
Paystack Customer API
The Customer API from Paystack — 5 operation(s) for customer.
Paystack Dedicated Virtual Account API
The Dedicated Virtual Account API from Paystack — 4 operation(s) for dedicated virtual account.
Paystack Dispute API
The Dispute API from Paystack — 7 operation(s) for dispute.
Paystack Integration API
The Integration API from Paystack — 1 operation(s) for integration.
Paystack Page API
The Page API from Paystack — 4 operation(s) for page.
Paystack Payment Request API
The Payment Request API from Paystack — 7 operation(s) for payment request.
Paystack Plan API
The Plan API from Paystack — 2 operation(s) for plan.
Paystack Product API
The Product API from Paystack — 2 operation(s) for product.
Paystack Refund API
The Refund API from Paystack — 2 operation(s) for refund.
Paystack Settlement API
The Settlement API from Paystack — 2 operation(s) for settlement.
Paystack Split API
The Split API from Paystack — 4 operation(s) for split.
Paystack Subaccount API
The Subaccount API from Paystack — 2 operation(s) for subaccount.
Paystack Subscription API
The Subscription API from Paystack — 6 operation(s) for subscription.
Paystack Transaction API
The Transaction API from Paystack — 12 operation(s) for transaction.
Paystack Transfer API
The Transfer API from Paystack — 10 operation(s) for transfer.
Paystack Transfer Recipient API
The Transfer Recipient API from Paystack — 3 operation(s) for transfer recipient.
Paystack Verification API
The Verification API from Paystack — 7 operation(s) for verification.
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Postman Collections 13
Ready-to-run Postman collections for exercising this provider's APIs.
Paystack Accept Payments API
POSTMANPaystack Balance API
POSTMANPaystack Customers API
POSTMANPaystack Settlements API
POSTMANPaystack Subscriptions API
POSTMANPaystack Transfers API
POSTMANPaystack Verification API
POSTMANScroll for all 13
Open Collections 13
Open, tool-agnostic API collections (OpenAPI-derived and Bruno).
Paystack Accept Payments API
OPEN COLLECTIONPaystack Balance API
OPEN COLLECTIONPaystack Customers API
OPEN COLLECTIONPaystack Dedicated Virtual Accounts API
OPEN COLLECTIONPaystack Integration Settings API
OPEN COLLECTIONPaystack Payment Requests API
OPEN COLLECTIONPaystack Products and Payment Pages API
OPEN COLLECTIONPaystack Refunds and Disputes API
OPEN COLLECTIONPaystack Settlements API
OPEN COLLECTIONPaystack Splits and Subaccounts API
OPEN COLLECTIONPaystack Subscriptions API
OPEN COLLECTIONPaystack Transfers API
OPEN COLLECTIONPaystack Verification API
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Arazzo Workflows 25
Multi-step API workflows described with the Arazzo specification.
Paystack Add a Subaccount to an Existing Split
Create a new subaccount, add it to an existing transaction split, then fetch the split to confirm membership.
ARAZZOPaystack Blacklist a Customer After a Dispute
List the disputes raised against a transaction, fetch the customer, then blacklist them and deactivate the card authorization.
ARAZZOPaystack Bulk Recipients and Bulk Transfer
Bulk-create transfer recipients, list them to confirm registration, then initiate a bulk transfer to pay them all.
ARAZZOPaystack Charge and Refund a Transaction
Initialize and verify a transaction, then create a refund against it and fetch the refund status.
ARAZZOPaystack Create Charge and Submit OTP
Create a direct charge, branch when an OTP is required, submit the OTP, then check the final charge status.
ARAZZOPaystack Create Charge and Submit PIN
Create a direct card charge, branch when a PIN is required, submit the PIN, then check the final charge status.
ARAZZOPaystack Check Authorization and Partial Debit
Check that an authorization can bear a charge, then take a partial debit against it for whatever is available.
ARAZZOPaystack Create Customer and Charge Authorization
Create a customer, initialize a first transaction, verify it to obtain an authorization, then charge that authorization for a recurring debit.
ARAZZOPaystack Create Customer and Send Payment Request
Create a customer, raise an invoice-style payment request for them, send the email notification, then verify the request.
ARAZZOPaystack Provision a Dedicated Virtual Account
Look up an available bank provider, create a customer, assign a dedicated NUBAN virtual account, then fetch its details.
ARAZZOPaystack Create Customer, Plan and Subscription
Create a customer, define a billing plan, then subscribe the customer to the plan for recurring charges.
ARAZZOPaystack Create Product and Payment Page
Create a product, check a page slug is available, create a hosted payment page, then attach the product to the page.
ARAZZOPaystack Create Recipient and Initiate Transfer
Create a transfer recipient from bank details, initiate a transfer to it, then verify the transfer by reference.
ARAZZOPaystack Create Subaccount and Transaction Split
Create a subaccount, build a transaction split that pays it, then initialize a transaction against the split.
ARAZZOPaystack Disable and Re-enable a Subscription
Fetch a subscription to read its email token, disable it, then re-enable it using the same code and token.
ARAZZOPaystack Submit Dispute Evidence and Resolve
Fetch a dispute, attach evidence to it, request an upload URL for supporting files, then resolve the dispute.
ARAZZOPaystack Finalize and Archive a Draft Payment Request
Create a draft payment request, finalize it to issue the invoice, verify it, then archive it once handled.
ARAZZOPaystack Initialize and Verify Transaction
Initialize a checkout transaction and then verify its final status by reference.
ARAZZOPaystack Initiate and Finalize Transfer with OTP
Initiate a transfer, finalize it with the OTP sent to the business phone, then verify the completed transfer.
ARAZZOPaystack Initiate and Monitor a Bulk Charge
Initiate a bulk charge batch against saved authorizations, fetch the batch, then list the charges in the batch.
ARAZZOPaystack Resolve Account and Create Transfer Recipient
Resolve a bank account number to confirm the account name, then create a transfer recipient and initiate a transfer.
ARAZZOPaystack Resolve Card BIN and Charge Authorization
Resolve a card BIN to learn the card brand and country, then charge a saved authorization for that card.
ARAZZOPaystack Settlement Reconciliation
Fetch settlement records, then list the transactions that make up a chosen settlement payout.
ARAZZOPaystack Subscribe and Generate a Management Link
Create a subscription, fetch it to read its status, then generate a self-service management link for the customer.
ARAZZOPaystack Create and Validate Customer (KYC)
Create a customer, resolve their BVN, then submit a bank-account identification to validate the customer.
ARAZZOScroll for all 25
GraphQL 1
GraphQL schemas published by this provider.
Paystack GraphQL Schema
This document describes a GraphQL schema that represents the Paystack REST API domain model. Paystack is a Nigerian payments platform (acquired by Stripe in 2020) that provides ...
GRAPHQLPricing Plans 1
Published pricing tiers and plan structures.
Rate Limits 1
Documented rate limits and quota policies.
Paystack Rate Limits
RATE LIMITSFinOps 1
Cost, billing, and metering signals for API financial operations.
Paystack Finops
FINOPSFeatures 19
Notable capabilities this provider offers.
Hosted Checkout
Paystack-hosted authorization URL that handles PCI, SCA, OTP, USSD, QR, and 3DS flows for you.
Direct Charge API
Initiate charges programmatically with structured PIN, OTP, phone, birthday, and address challenge steps.
Recurring Subscriptions
Plans plus subscriptions with self-service customer management and email/SMS invoice notifications.
Transaction Splits
Route a single payment to multiple subaccounts on a percentage or flat basis for marketplaces.
Subaccounts
Vendor or merchant profiles with their own settlement bank and percentage charge.
Dedicated Virtual Accounts
NUBAN virtual accounts assigned to individual customers for bank-transfer-based payments with auto-reconciliation.
Payment Pages
No-code Paystack-hosted pages for selling products or accepting donations.
Payment Requests
Email-based invoices with verification, notification, finalization, and archive flows.
Single and Bulk Transfers
Pay out from balance to bank accounts and mobile money wallets, one at a time or as batches.
Bulk Charge
Charge many stored authorizations in a single batch with pause and resume controls.
Refunds
Partial or full refunds with merchant and customer notes.
Disputes and Chargebacks
Programmatic dispute response with signed evidence-upload URLs and resolution workflow.
Settlements
Read net settlement payouts and drill down into the transactions that composed each batch.
Identity Verification
BVN match, BVN resolution, account number resolution, card BIN lookup, country/bank lookup, and AVS state lists.
Multi-Currency
Accept NGN, GHS, ZAR, KES, XOF, EGP, and USD across supported markets.
Multi-Channel
Card, bank transfer, USSD, QR, mobile money (M-Pesa, MTN MoMo, Orange Money, Wave), EFT, Apple Pay, Visa QR.
Webhooks
Signed webhook deliveries for transaction, dispute, refund, transfer, subscription, and invoice events with 72-hour retries.
Test Mode
A complete test environment with test cards covering success, decline, OTP, PIN, and 3DS flows.
Dashboard
First-class merchant dashboard for transactions, customers, subscriptions, transfers, settlements, and disputes.
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Event Specifications 1
AsyncAPI definitions for this provider's event-driven and streaming APIs.
Paystack Webhooks
AsyncAPI 2.6 description of Paystack's outbound webhook surface. Paystack notifies a single merchant-configured POST endpoint (the "webhook URL") whenever an event occurs agains...
ASYNCAPISemantic Vocabularies 1
JSON-LD contexts and semantic vocabularies used across these APIs.
Paystack Context
JSON-LDSpectral Rules 3
Spectral governance rulesets for linting and validating these APIs.
JSON Schema 9
Standalone JSON Schema definitions for this provider's data models.
Paystack Customer
JSON SCHEMAPaystack Dispute
JSON SCHEMAPaystack Plan
JSON SCHEMAPaystack Refund
JSON SCHEMAPaystack Transaction Split
JSON SCHEMAPaystack Subaccount
JSON SCHEMAPaystack Subscription
JSON SCHEMAPaystack Transaction
JSON SCHEMAPaystack Transfer
JSON SCHEMAScroll for all 9
JSON Structure 5
JSON Structure definitions describing this provider's data shapes.
Paystack Customer Structure
JSON STRUCTUREPaystack Split Structure
JSON STRUCTUREPaystack Subscription Structure
JSON STRUCTUREPaystack Transaction Structure
JSON STRUCTUREPaystack Transfer Structure
JSON STRUCTUREExamples 6
Example request and response payloads for these APIs.
Security Posture 3
Authentication, domain security, vulnerability disclosure, and trust-center signals.
Agentic Access 1
Recommended x-agentic-access execution contracts for AI agents.
Use Cases 9
What developers build with this provider.
E-commerce Checkout
Drop-in checkout for online stores accepting cards, USSD, bank transfer, and mobile money across Africa.
SaaS Recurring Billing
Subscription-based revenue with plans, automatic renewal, self-service updates, and dunning.
Marketplaces and Multi-Vendor Platforms
Split-payment routing to vendor subaccounts with platform fee retention.
Cross-Border Payments
Accept cards from international customers while settling locally.
Mobile Money Acceptance
M-Pesa, MTN, Orange Money, Wave acceptance in Ghana, Kenya, Côte d'Ivoire.
Bank Transfer Acceptance
Dedicated virtual accounts auto-reconcile inbound NUBAN transfers.
Payouts and Vendor Disbursement
Single and bulk transfers to bank or mobile money for gig platforms and payroll-light apps.
Invoicing and B2B Collections
Issue payment requests by email with verification and reminders.
Donations and Crowdfunding
Payment Pages for one-off donations or product sales without writing checkout code.
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Integrations 10
Pre-built integrations with other platforms and tools.
WooCommerce
Official Paystack payment gateway for WooCommerce stores.
Magento and Magento 2
Official Magento extensions for Paystack acceptance.
PrestaShop
Plugins for PrestaShop 1.6 and 1.7.
OpenCart
OpenCart extensions for Paystack.
WHMCS
Hosting and billing platform integration.
Moodle
Course enrolment via Paystack.
Odoo
Payment gateway integration for Odoo 14.
Omnipay
Paystack gateway driver for the PHP Omnipay payment-abstraction library.
Joomla, Drupal, Ghost, Wordpress
Community and official plugins across major CMS platforms.
Stripe
Paystack is a Stripe subsidiary; merchants can operate in Stripe-aligned multi-region setups.
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Solutions 5
Packaged solutions this provider offers.
Online Businesses
Hosted checkout for e-commerce and SaaS.
Marketplaces
Splits + subaccounts for multi-vendor platforms.
Subscription Businesses
Plans, subscriptions, and dunning for recurring revenue.
Platforms and Apps
Transfers, dedicated virtual accounts, and identity verification for fintech and platform builds.
Education and Nonprofits
Payment Pages and Payment Requests for donations and tuition collection.
Resources
Get Started 3
Portal, sign-up, and the first successful call
Documentation 8
Reference material describing how the API behaves
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Agent Surfaces 1
MCP servers, agent skills, and machine-readable catalogs
Design & Contract 28
Pagination, idempotency, versioning, errors, and events
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Build 16
SDKs, sample code, and the tooling you integrate with
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Access & Security 5
Authentication, authorization, and security posture
Operate 4
Status, limits, changes, and where to get help
Commercial 10
Pricing, plans, and the legal terms of use
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