APIs
One REST API for collections, payouts and everything between.
Accept payments, move money, issue virtual accounts, pay bills and reconcile — through a single authenticated API with predictable responses and signed webhooks.
The endpoint groups you get.
Each group is documented with request and response examples in the API reference.
Accept Payments
Standard checkout, plus server-to-server card, bank transfer and USSD flows.
Transactions
Retrieve details, references, timelines and totals for any payment.
Payouts
Bank lists, account name verification, and single or bulk transfers.
Wallet
Balance queries, transaction views and settlement records.
Refunds
Initiate full or partial refunds and retrieve their status.
Customers
Create, read, update and delete customer records.
Virtual Accounts
Create dedicated NUBANs and manage them programmatically.
Bills Payments
Airtime, data and internet, electricity, and TV subscriptions.
Keys, encryption and environments.
The documentation covers API basics, key management and request encryption in full.
- Separate keys for sandbox and live, rotatable from the dashboard
- Request encryption supported for sensitive payloads
- Signed webhooks so you can verify events actually came from us
- Idempotent references so a retry never double-charges
- Consistent error shapes across every endpoint
Ready to build on infrastructure you can grow with?
From your first transaction to your next million, SaySwitch gives you the infrastructure to accept payments, move money, and grow with confidence.