Interswitch API vs Paga 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, Paga API is best for: Nigerian businesses and aggregators that need to send money, pay bills, and top up airtime at scale particularly agents, agent banking software providers, enterprise HR platforms, and mobile money aggregators wanting programmatic access to Paga's 20M+ user network.. Your choice should align with whether your team prioritizes Interswitch API's developer ecosystem or Paga API's specific capability set.

Interswitch API provides a dedicated sandbox testing environment and supports real-time webhooks. Paga 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.. Paga API pricing: P2P transfers, airtime/data purchases, and loading Paga account: free. Paga to bank transfer: 1.5% of transfer amount (card-funded). Minimum fee ₦10. Custom enterprise pricing available for API partners.. 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. Paga API uses Custom HMAC headers: principal (public ID), credentials (password), and hash (SHA-512 of request params + secret key) authentication with Not publicly specified.