Interswitch is Nigeria's foundational digital payments and transaction-switching company, founded in 2002 and regulated by the Central Bank of Nigeria. It owns the Verve card scheme (Africa's first domestic EMV chip-and-PIN brand), the Quickteller consumer and business payments platform, the Webpay / Web Checkout gateway, the Paycode cardless service, and the underlying transaction switch that connects Nigerian banks, fintechs, billers, and merchants. The Interswitch developer platform exposes REST APIs for accepting payments, sending transfers, paying bills, recharging airtime, generating cardless tokens, issuing Verve cards (Card 360), originating loans, accessing customer insights, and searching transactions.
URL: Visit APIs.json
Run: Capabilities Using Naftiko
- Payments, Payment Infrastructure, Card Network, Verve, Quickteller, Webpay, Bills Payment, Transfers, Lending, Fintech, Africa, Nigeria
- Created: 2026-05-24
- Modified: 2026-05-24
Two schemes coexist on the Interswitch platform:
- OAuth 2.0 client_credentials (recommended).
POST {passport}/passport/oauth/token?grant_type=client_credentialswithAuthorization: Basic base64(client_id:secret)returns a bearer token valid for 86,400 seconds. UseAuthorization: Bearer {access_token}on subsequent calls.- Sandbox:
https://passport-sandbox.interswitchng.com - Production:
https://passport.interswitchng.com
- Sandbox:
- InterswitchAuth (legacy). Five headers per request:
Authorization: InterswitchAuth {base64(client_id)},Timestamp,Nonce,Signature(SHA1 of method + endpoint + timestamp + nonce + client_id + secret, base64-encoded), andSignatureMethod: SHA1. PlusTerminalIDfor Quickteller endpoints.
Hosted payment gateway (formerly Webpay) with inline JavaScript popup and Web Redirect modes. Initiate via POST /collections/w/pay, then confirm authoritatively via GET /collections/api/v1/gettransaction.json before delivering value.
- Human URL: https://docs.interswitchgroup.com/docs/web-checkout
- OpenAPI
- JSON Schema
- JSON-LD
- Naftiko Capability — Payments
- Example — Inline Sandbox Payment
Server-to-server card payments, Hosted Fields, 3-D Secure, Google Pay, and Pay Bill payment-link generation under /paymentgateway/api/v1.
- Human URL: https://docs.interswitchgroup.com/docs/accept-payments
- OpenAPI
- Naftiko Capability — Payments
Quickteller Send Money — Single Transfer (POST /quicktellerservice/api/v5/transactions/TransferFunds), Bulk Transfer, Name Inquiry, and Bank Code Resolution over the NIBSS Instant Payment rail with SHA-512 MAC authentication.
- Human URL: https://docs.interswitchgroup.com/docs/single-transfer
- OpenAPI
- Naftiko Capability — Transfers
Quickteller bills payment for DSTV, GOTV, PHCN, water boards, school fees, and government TSA payments via /api/v2/quickteller/billers, /paymentitems, /customers/validations, and /payments/advices.
- Human URL: https://docs.interswitchgroup.com/docs/bills-payment
- OpenAPI
- Naftiko Capability — Quickteller
Direct virtual top-up and e-pin voucher delivery for MTN, Airtel, Glo, and 9mobile via Quickteller category ID 4.
- Human URL: https://docs.interswitchgroup.com/docs/airtime-recharge
- OpenAPI
- Naftiko Capability — Quickteller
Cardless cash withdrawal and merchant tokens (Pay with Mobile). Single and bulk token generation, status query, and cancellation.
- Human URL: https://docs.interswitchgroup.com/docs/single-paycode
- OpenAPI
- Naftiko Capability — Tokens
Full and partial refunds against successful Quickteller Business transactions at POST /paymentgateway/api/v1/refunds. Tracks lifecycle through SUCCESS → PROCESSING → COMPLETE.
Tokenize Verve / Visa / Mastercard cards then charge them on schedule via /api/v2/purchases/recurrents.
- Human URL: https://docs.interswitchgroup.com/docs/recurring-payments
- OpenAPI
- Naftiko Capability — Subscriptions
Issuer-processor card management for Verve, debit, and prepaid cards: create, get, block, unblock, set PIN, balance, link, and validate.
Marketplace lending — list providers, fetch offers (GET /lending-service/api/v3/offers), accept, fund, debit, update, and inspect customer status for Nano Loans, Salary Lending, and Value Financing.
Permissioned access to demography, financial history, average financial history, and financial-habit signals for credit decisioning and segmentation.
- Human URL: https://docs.interswitchgroup.com/docs/customer-insights
- OpenAPI
- Naftiko Capability — Insights
Back-office Quick, Reference, Bulk, and Detail transaction lookups across the Interswitch payment surfaces.
- Human URL: https://docs.interswitchgroup.com/docs/transaction-search
- OpenAPI
- Naftiko Capability — Transactions
- Plans & Pricing
- Rate Limits
- FinOps (FOCUS-aligned)
- Vocabulary
- Spectral Rules
- JSON Schema — Payment / Refund / Transfer / WebhookEvent
- JSON-LD Context
Quickteller Business signs webhook payloads with HmacSHA512 using the merchant's secret. The signature ships in the X-Interswitch-Signature header. Supported events:
TRANSACTION— payment created / updated / completedSUBSCRIPTION— recurring payment created, successful charge, failed charge, cancelledPAYMENT_LINKS— payment link succeeded / failedINVOICES— invoice paid / failed
Respond HTTP 200 immediately to acknowledge receipt; any other status triggers up to five retries.
- Documentation: https://docs.interswitchgroup.com/docs/home
- API Reference: https://docs.interswitchgroup.com/reference
- Developer Console: https://developer.interswitchgroup.com
- API Marketplace: https://developer.interswitchgroup.com/marketplace
- llms.txt: https://docs.interswitchgroup.com/llms.txt
- Developer Slack: Join
- Response Codes: https://docs.interswitchgroup.com/docs/response-codes