# Paystack

**Canonical:** https://apis.io/providers/paystack/  
**Website:** https://paystack.com/  
**APIs profiled:** 21

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.

## Kin Score — 70.6 / 100 (exemplar)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (-0.9 from 71.5).

| Facet | Score |
|---|---|
| Discoverability | 50.0 |
| Contract Quality | 74.7 |
| Governance | 26.5 |
| Contract Governance | 26.5 |
| Operational Transparency | 50.0 |
| Developer Ergonomics | 78.6 |
| Commercial Clarity | 92.1 |
| Access Clarity | 92.1 |

Regulatory layer — **Payments**: 53.1 (matched via tags).

## Agent readiness — 35.4 (agent-ready)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| Reversibility Documented | documented |
| MCP Server | no |
| Auth Clarity | yes |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | partial |
| Rate Limit Signal | documented |
| Event Surface Described | derived |
| 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 (21)

- **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.

## Agentic access (1)

- **Paystack Agentic Access** — 240 operations · 120 acting · 6 human-in-the-loop

## Security (3)

- **Paystack Authentication** — http · 1 scheme
- **Paystack Domain Security** — TLSv1.3 · DMARC
- **Paystack Trust Center** — ISO 27001

## Plans (1)

- **Paystack Plans Pricing**

## Use cases (9)

- **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.

## Tags

Payments, Africa, Fintech, Recurring Billing, Marketplaces, Payouts, Mobile Money, Stripe

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