TranZak

TranZak is an African fintech platform headquartered in Douala, Cameroon, providing REST APIs for mobile money collections, merchant payments, bulk disbursements, bill payments, and SMS services across sub-Saharan Africa. The platform bridges banked and unbanked populations by supporting MTN Mobile Money, Orange Money, and CEMAC bank networks, with sandbox and production environments, webhook notifications, and support for up to 2,000 recipients in a single bulk payment request.

TranZak is listed with 4 APIs on the APIs.io network. Tagged areas include Fintech, Mobile Money, Payments, Africa, and Cameroon.

TranZak’s developer surface includes documentation, engineering blog, pricing, and 9 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

13.6/100 emerging ▬ flat Agent 3/100 human only Front door AI 1/6 silent Heartbeat 20/100 slowing saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

4 APIs

Fintech Mobile Money Payments AfricaCameroonDisbursements SMS Bill Payments

Kin Score

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

Composite quality — 13.6/100 · emerging

Contract Quality 0.0 / 21

Developer Ergonomics 2.0 / 17

Access Clarity 3.1 / 17

Operational Transparency 2.3 / 11

Contract Governance 0.0 / 10

Discoverability 6.1 / 9

Regulatory Posture 0.8 / 15

Agent readiness — 3/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 0 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 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 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Telecommunications 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 could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% 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):

Machine-Readable Contract +18 pts — api_specs includes an OpenAPI document
MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
Machine-Readable Auth +10 pts — a served openid-configuration/oauth-authorization-server carrying `issuer` (served), else the securitySchemes class in the provider OpenAPIs — bound (mutualTLS, DPoP, Signature) > negotiable (oauth2 authorizationCode/clientCredentials, openIdConnect) > bearer (http bearer, apiKey)
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)
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes

12 more unmet checks in the Agent Readiness table above.

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

Contract Quality scores 0.0 — up to +25.0 composite points
Developer Ergonomics scores 11.9 — up to +17.6 composite points
Access Clarity scores 18.4 — up to +16.3 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/tranzak/apis.yml: open an issue on github.com/api-evangelist/tranzak 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)	undeclared	-	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

APIs 4

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

TranZak Payment Collections API

REST API for collecting payments from customers via mobile money (MTN MOMO, Orange Money), QR code in-store payments, and web redirect checkout. Supports direct mobile wallet ch...

TranZak Transfers (Disbursements) API

REST API for sending funds to Tranzak users, mobile money wallets (MTN MOMO, Orange Money), and CEMAC bank accounts. Supports single transfers, payout account top-ups, and trans...

TranZak Bulk Payments API

REST API for sending bulk payments to up to 2,000 recipients in a single request. Supports file-based upload for internal Tranzak users, mobile wallets, and bank accounts, with ...

TranZak SMS API

REST API for sending marketing bulk SMS messages and OTP/verification codes. Supports up to 500 recipients per call with per-character pricing (160 characters per SMS unit).

TranZak API pricing

Not yet checked against TranZak's own pricing page. Compiled by API Evangelist; confirm before you rely on a figure.

Plan	Price
Pay-As-You-Go Collections usage	—
Disbursements usage	—
SMS Services usage	—

Plan details, limits and sources →

Pricing Plans 1

Published pricing tiers and plan structures.

Tranzak Plans Pricing

3 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Tranzak Rate Limits

0 limits

RATE LIMITS

FinOps 1

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

Tranzak Finops

FINOPS

Security Posture 1

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

Tranzak Domain Security

TLSv1.2

SECURITY

Resources

Documentation 1

Reference material describing how the API behaves

Documentation

Documentation

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrg

GitHubOrg

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Operate 2

Status, limits, changes, and where to get help

StatusPage

StatusPage

RateLimits

RateLimits

Commercial 3

Pricing, plans, and the legal terms of use

Pricing

Pricing

Plans

Plans

FinOps

FinOps

Company 3

The organization behind the API

Website

Website

LinkedIn

Blog

Blog

Other 1

Properties that don't map to a standard resource type

Source (apis.yml)

aid: tranzak
name: TranZak
description: TranZak is an African fintech platform headquartered in Douala, Cameroon, providing REST APIs for mobile money
  collections, merchant payments, bulk disbursements, bill payments, and SMS services across sub-Saharan Africa. The platform
  bridges banked and unbanked populations by supporting MTN Mobile Money, Orange Money, and CEMAC bank networks, with sandbox
  and production environments, webhook notifications, and support for up to 2,000 recipients in a single bulk payment request.
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - plans
  - security
  generated: '2026-11-06'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/tranzak.png
url: https://raw.githubusercontent.com/api-evangelist/tranzak/refs/heads/main/apis.yml
created: '2026-06-13'
modified: '2026-06-13'
specificationVersion: '0.23'
tags:
- Fintech
- Mobile Money
- Payments
- Africa
- Cameroon
- Disbursements
- SMS
- Bill Payments
apis:
- name: TranZak Payment Collections API
  description: REST API for collecting payments from customers via mobile money (MTN MOMO, Orange Money), QR code in-store
    payments, and web redirect checkout. Supports direct mobile wallet charges, payment request creation, cancellation, voiding,
    and transaction history.
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://docs.developer.tranzak.me/
  baseURL: https://dsapi.tranzak.me
  tags:
  - Payments
  - Collection
  - Mobile Money
  - QR Codes
  tags_raw:
  - Payments
  - Collections
  - Mobile Money
  - QR Code
  properties:
  - type: Documentation
    url: https://docs.developer.tranzak.me/
  - type: Sandbox
    url: https://sandbox.dsapi.tranzak.me
- name: TranZak Transfers (Disbursements) API
  description: REST API for sending funds to Tranzak users, mobile money wallets (MTN MOMO, Orange Money), and CEMAC bank
    accounts. Supports single transfers, payout account top-ups, and transfer history retrieval.
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://docs.developer.tranzak.me/
  baseURL: https://dsapi.tranzak.me
  tags:
  - Disbursements
  - Transfers
  - Mobile Money
  - Bank Transfers
  tags_raw:
  - Disbursements
  - Transfers
  - Mobile Money
  - Bank Transfer
  properties:
  - type: Documentation
    url: https://docs.developer.tranzak.me/
  - type: Sandbox
    url: https://sandbox.dsapi.tranzak.me
- name: TranZak Bulk Payments API
  description: REST API for sending bulk payments to up to 2,000 recipients in a single request. Supports file-based upload
    for internal Tranzak users, mobile wallets, and bank accounts, with job status tracking and bulk payment history.
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://docs.developer.tranzak.me/
  baseURL: https://dsapi.tranzak.me
  tags:
  - Bulk Payments
  - Disbursements
  - Payroll
  properties:
  - type: Documentation
    url: https://docs.developer.tranzak.me/
  - type: Sandbox
    url: https://sandbox.dsapi.tranzak.me
- name: TranZak SMS API
  description: REST API for sending marketing bulk SMS messages and OTP/verification codes. Supports up to 500 recipients
    per call with per-character pricing (160 characters per SMS unit).
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://docs.developer.tranzak.me/
  baseURL: https://dsapi.tranzak.me
  tags:
  - SMS
  - OTP
  - Messaging
  properties:
  - type: Documentation
    url: https://docs.developer.tranzak.me/
  - type: Sandbox
    url: https://sandbox.dsapi.tranzak.me
common:
- type: DomainSecurity
  url: security/tranzak-domain-security.yml
- type: Website
  url: https://tranzak.net/
- type: Documentation
  url: https://docs.developer.tranzak.me/
- type: GitHubOrg
  url: https://github.com/HolyCorn-Software/tranzak-node
- type: LinkedIn
  url: https://www.linkedin.com/company/tranzaktech
- type: Blog
  url: https://community.tranzak.net/
- type: Pricing
  url: https://tranzak.net/pricing
- type: StatusPage
  url: https://tranzak.net/
- type: X
  url: https://twitter.com/tranzak_fintech
- type: Plans
  url: https://raw.githubusercontent.com/api-evangelist/tranzak/refs/heads/main/plans/tranzak-plans-pricing.yml
- type: RateLimits
  url: https://raw.githubusercontent.com/api-evangelist/tranzak/refs/heads/main/rate-limits/tranzak-rate-limits.yml
- type: FinOps
  url: https://raw.githubusercontent.com/api-evangelist/tranzak/refs/heads/main/finops/tranzak-finops.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

TranZak API — frequently asked questions

Does TranZak have an API?

Yes. APIs.io lists 4 APIs from TranZak, including TranZak Payment Collections API, TranZak Transfers (Disbursements) API and TranZak Bulk Payments API, and 1 more.

How much does the TranZak API cost?

APIs.io lists 3 pricing plans for TranZak, with each plan's price, limits and inclusions under Pricing on this page.

Is the TranZak API ready for AI agents?

TranZak has a Kin Score of 13.6 out of 100 (emerging) and an Agent Readiness score of 2.5 (human-only), scored by API Evangelist on 2026-11-06.

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