Accept Interswitch
without building the integration
Interswitch is the payments infrastructure company much of Nigeria's card and switching network runs on, and its Interswitch Payment Gateway offers merchants cards, USSD, bank transfer and QR through one integration. Being the incumbent switch rather than a challenger is its distinguishing characteristic — depth of bank connectivity over product polish.
- NGN
- USD
- Region
- Nigeria / Africa
- Methods
- 4
- Credentials
- Server-side only
- PaymentHood fee
- None
- Status
- Live
What is Interswitch?
- Coverage
-
- Nigeria
- Ghana
- Kenya
- Uganda
- Gambia
Among the markets Interswitch serves — their own list is authoritative (opens in new tab).
- Currencies
-
- NGN
- USD
Among those supported. Which ones your account can charge in depends on its registered country.
- Fees
- Set and billed by Interswitch, and published on their pricing page (opens in new tab). PaymentHood adds nothing on top, at any volume.
- Official resources
- Website (opens in new tab) · Developer docs (opens in new tab)
Written against Interswitch's own documentation on . This page deliberately states no fees, no counts and no completeness claims, because those change without notice — for anything you are about to build on, Interswitch's own documentation (opens in new tab) is the authority.
Interswitch payment methods
Every method below runs through the same PaymentHood checkout. Turning one on or off is a dashboard setting, not a code change.
Cards
Verve, Visa and Mastercard, local and international
USSD
Bank shortcodes for customers without a smartphone
Bank transfer
Direct transfer confirmed against the order
QR
Scan-to-pay at checkout
Interswitch fees and pricing
Two separate bills, and only one of them exists.
- What PaymentHood charges
- Nothing on your Interswitch transactions. No percentage and no per-transaction cut, at any volume. Every payment feature is free, and the optional Premium plan only adds white-label checkout branding.
- What Interswitch charges
- Interswitch sets its own rates and bills you directly. PaymentHood never sits between you and that invoice, so switching to or from Interswitch changes what you pay Interswitch and nothing else.
- What moves the rate
- Payment providers price per market and per method rather than as a single global figure. Interswitch operates across 5 countries, so the country the payment is taken in matters. It settles in NGN, USD, and cross-currency transactions are not priced the same as domestic ones. It also accepts 4 different payment methods, and card, transfer and wallet rails each carry their own cost.
- Where to check the figure
- Interswitch publishes current rates on their pricing page (opens in new tab). That is the authority, not this page. We deliberately quote no numbers here, because a rate that has quietly changed is worse than no rate at all.
How PaymentHood works with Interswitch
A direct Interswitch integration is not just an API call. These are the parts every team ends up rebuilding — and the parts PaymentHood ships already done.
- Credentials
- Client ID and secret exchanged for an access token, held server-side in PaymentHood
- Webhook security
- Signed transaction notification, validated before an order is released
- Payment verification
- Server-side transaction query against the Interswitch API before fulfilment
- Idempotent charge creation, so a retried request never double-charges a customer
- Automatic failover to another configured provider when Interswitch is unreachable
- One reconciliation view across Interswitch and every other provider you run
- Provider credentials never reach the storefront or the customer's browser
- Adding or switching a provider later is a dashboard change, not a re-integration
Interswitch integrations by platform
Install the free PaymentHood plugin for your store, then enable Interswitch in your dashboard.
How to connect Interswitch
Open your Interswitch account
Register directly with Interswitch and complete their onboarding. Funds settle from Interswitch into your own bank account — PaymentHood never holds merchant money.
Add the credentials to PaymentHood
Paste your Interswitch API credentials into the PaymentHood dashboard. They are stored server-side and never exposed to your storefront.
Enable it at checkout
Install the PaymentHood plugin for your platform, paste your PaymentHood API key, and Interswitch appears as a payment option. Test in sandbox, then switch to live.