Interswitch API vs eTranzact API Comparison: Discover the best for Payment Gateways & Processors in Nigeria

Interswitch API is best for: Nigerian enterprises, banks, fintechs, and businesses needing access to Interswitch's 3,000+ biller network, airtime vending, NIP instant transfers, and the Verve card network backed by Nigeria's oldest and largest payment infrastructure company.. Meanwhile, 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.. Your choice should align with whether your team prioritizes Interswitch API's developer ecosystem or eTranzact API's specific capability set.

Interswitch API provides a dedicated sandbox testing environment and supports real-time webhooks. eTranzact API offers sandbox testing and has webhook status unverified.

Interswitch API pricing: Integration free. Local transactions: 1.5% capped at ₦2,000 (7.5% VAT applies). Customized volume pricing available for high-volume merchants. Settlement within 48 hours.. eTranzact API pricing: Enterprise pricing not publicly listed. Contact eTranzact for integration and pricing. Listed company on the Nigerian Stock Exchange.. Both platforms offer tailored pricing structures for Nigerian transactions.

Interswitch API uses OAuth 2.0 (Client ID + Secret Key from developer console) authentication with Not publicly specified. eTranzact API uses API Key (from eTranzact developer portal) authentication with Not publicly specified.