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
Interswitch in summary
- 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.
What your customers can pay with
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
What PaymentHood handles for you
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
Use Interswitch on your platform
Install the free PaymentHood plugin for your store, then enable Interswitch in your dashboard.
Connecting Interswitch takes three steps
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.