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HomeCategoriesPaymentseTranzact API

eTranzact API

Payments · Banking & Fintech · Nigeria

eTranzact International Plc is one of Nigeria's oldest and most established fintech companies, listed on the Nigerian Stock Exchange (NSE). Founded in 2003, eTranzact has been a foundational player in Nigeria's digital payments ecosystem predating Paystack, Flutterwave, and most modern Nigerian payment gateways by over a decade.

eTranzact API Highlights

eTranzact API is verified for developer integrations in Nigeria and across African markets, providing documented endpoints, sandbox testing, and developer support.

Authentication

API Key (from eTranzact developer portal)

Rate Limit

Not publicly specified

Sandbox Mode
✓ Available
Webhooks
Not verified yet
Supported Regions
NigeriaNigeriaGhanaGhanaKenyaKenya
eTranzact API Services
Bill Payments API (SwitchIT)Virtual Account ServiceInstant TransferWallet-as-a-Service (WaaS)
Alternative African Company to
PlaidStripe TreasuryTinkMarqeta

eTranzact API is best for:

Large Nigerian enterprises, banks, financial institutions, government agencies, and telcos that need a proven, publicly-listed payment infrastructure partner for bill payments, virtual accounts, instant transfers, e-invoicing, and wallet-as-a-service.

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API Pricing Model
  • Enterprise pricing not publicly listed
  • Contact eTranzact for integration and pricing
  • Listed company on the Nigerian Stock Exchange

eTranzact API Core Features & Capabilities

Features Included

Bill Payments API (SwitchIT)Virtual Account ServiceInstant TransferWallet-as-a-Service (WaaS)e-Invoicing APILoan Mandate & Repayment (AntPeer)Sandbox Environment

Not Supported

Consumer Checkout WidgetCrypto PaymentsInternational PaymentsFree Tier

Required Access Documents for eTranzact API

  • Business RegistrationRequired
    CAC Certificate of Incorporation or equivalent for Nigerian business entities required for all eTranzact integration partnerships.
  • Director Government ID and BVNRequired
    Government-issued ID and BVN for directors as required by CBN KYC regulations.
  • Enterprise Integration AgreementRequired
    eTranzact requires a formal integration agreement before API access is granted this is an enterprise-grade provider with contractual onboarding.
  • Business Bank AccountRequired
    Active Nigerian bank account in the business name for settlement purposes.

Different eTranzact API use cases

  • Utility and Bill Payment Platform:Nigerian fintechs and super-apps can use eTranzact SwitchIT API to offer customers airtime, electricity, water, and cable TV bill payments leveraging one of Nigeria's most established bill payment rails.
  • Wallet-Powered Financial App:Developers can use eTranzact WaaS (Wallet-as-a-Service) to embed NGN wallet functionality into their app enabling users to hold balances, send money, and pay bills without building wallet infrastructure from scratch.
  • Bank Loan Repayment Automation:Nigerian microfinance banks and digital lenders can use the AntPeer API to automate loan mandate setup and repayment collection automatically debiting borrower accounts on scheduled dates.
  • FIRS-Compliant E-Invoicing:Nigerian businesses and accounting platforms can use eTranzact e-Invoicing API to generate FIRS-aligned electronic invoices for VAT compliance essential as Nigeria tightens digital tax requirements.
  • Government Fee Collection:Nigerian government agencies and parastatals can use eTranzact's enterprise payment infrastructure to collect levies, taxes, and government fees from citizens via virtual accounts and instant transfers.

eTranzact API Alternatives

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