---
updatedAt: 2026-09-30T12:27:03.000Z
agentTools:
  projectIndex: https://docs.interswitchgroup.com/llms.txt
---

# Overview

## Table of Contents

1. [Overview](#overview)
2. [Available Services](#available-services)
3. [API Endpoints](#api-endpoints)
4. [Payment Instruments](#payment-instruments)
5. [Quick Start Guide](#quick-start-guide)
6. [Support](#support)

***

## Overview

Leveraging our QuickTeller Service, Interswitch provides an easy and fast way to automate bill payments, airtime recharges, and voucher services for your customers. This solution enables your business to generate profit through commissions on every transaction.

### Commission Structure

* **Bills Payment & Airtime Services:** Different commission structures apply.
* **E-Pins:** Separate commission structure.
* All structures are designed to ensure profitability for every business.

***

## Available Services

### 1. Bills Payment

Gain access to **7,000+ billers** on the QuickTeller network with guaranteed instant value on all successful payments.

**Examples:**

* Cable TV: DSTV, GOtv, Startimes
* Utilities: Electricity (e.g., Eko Disco), Water bills
* Internet services
* Insurance payments
* Tax payments
* Airline tickets
* Donations
* And many more...

For integration details, see the [Bills Payment API documentation](./Bills_Payment_API_Documentation.md).

### 2. Airtime & Data Top-up

Access various telecom providers for airtime vending and data bundle activation across major networks:

| Network | Airtime | Data Bundles |
| ------- | ------- | ------------ |
| MTN     | ✓       | ✓            |
| Airtel  | ✓       | ✓            |
| Glo     | ✓       | ✓            |
| 9mobile | ✓       | ✓            |

For integration details, see the [Airtime & Data API documentation](./Airtime_Data_API_Documentation.md).

### 3. Electronic Pins (E-Pins)

An extension of our airtime service offering, E-Pins cater to customers who prefer the traditional PIN recharge format.

**Use Cases:**

* **Gifts:** Share airtime with friends and family.
* **Proof of Purchase:** Physical or digital evidence of transaction.
* **Flexibility:** Redeemable at any time before expiry.

For integration details, see the [E-Pins Voucher API documentation](./E_Pins_Voucher_API_Documentation.md).

***

## API Endpoints

### Bills Payment Endpoints

| Endpoint                | Description                                                              | HTTP Method |
| ----------------------- | ------------------------------------------------------------------------ | ----------- |
| `GetBillers`            | Fetches the list of available billers on Quickteller                     | GET         |
| `GetBillerCategories`   | Fetches available biller categories (e.g., cable TV, utilities, telecom) | GET         |
| `GetBillersByCategory`  | Fetches billers available under a specific category                      | GET         |
| `GetBillerPaymentItems` | Fetches payment items/packages for a biller (source of `PaymentCode`)    | GET         |
| `CustomerValidation`    | Validates customers for certain bill types (e.g., electricity, cable TV) | POST        |
| `SendBillPaymentAdvice` | Performs the actual transaction/payment                                  | POST        |
| `QueryTransaction`      | Validates the status of a transaction                                    | GET         |

### Airtime & Data Endpoints

| Endpoint                | Description                                         | HTTP Method |
| ----------------------- | --------------------------------------------------- | ----------- |
| `GetBillerCategories`   | Fetches available service categories                | GET         |
| `GetBillersByCategory`  | Fetches telcos under the Mobile/Recharge category   | GET         |
| `GetBillerPaymentItems` | Fetches data bundles or fixed airtime denominations | GET         |
| `ProcessRecharge`       | Performs the actual airtime or data recharge        | POST        |
| `QueryTransaction`      | Validates the status of a transaction               | GET         |

### Voucher Endpoints

| Endpoint        | Description                                | HTTP Method |
| --------------- | ------------------------------------------ | ----------- |
| `CreateVoucher` | Creates a 16-20 digit airtime recharge PIN | POST        |
| `RedeemVoucher` | Redeems a generated PIN                    | POST        |

***

## Payment Instruments

The following payment methods are supported for transactions:

1. **Retailpay Wallet** — Pre-funded wallet for seamless transactions.
2. **SVA Card** — Stored Value Account card.
3. **Postpaid** — Credit-based payment option.

***

## Amounts and Currency

> **All monetary amounts in the VAS APIs are expressed in the minor unit of the currency.**
>
> For Nigerian Naira (NGN), amounts are in **kobo**. This means:
>
> * `10000` = ₦100.00
> * `500000` = ₦5,000.00
> * `100` = ₦1.00
>
> To convert from Naira to kobo, multiply by 100. To convert from kobo to Naira, divide by 100.
>
> This convention applies to all amount fields across Bills Payment, Airtime & Data, and E-Pins Voucher APIs unless explicitly stated otherwise.

***

## Quick Start Guide

### Step 1: Authenticate

Generate an OAuth 2.0 access token using your Client ID and Secret.

```
POST https://passport-sandbox.interswitchng.com/passport/oauth/token
```

### Step 2: Choose a Service

Select the service you want to integrate:

* [Bills Payment](./Bills_Payment_API_Documentation.md)
* [Airtime & Data](./Airtime_Data_API_Documentation.md)
* [E-Pins Voucher](./E_Pins_Voucher_API_Documentation.md)

### Step 3: Follow the Service-Specific Guide

Each service has its own dedicated documentation with endpoints, request/response examples, and test data.

### Step 4: Handle Response Codes

Refer to the [Response Codes documentation](./Response_Codes_Documentation.md) for a complete list of codes, descriptions, and resolutions.

***

## Support

For technical support or integration assistance:

* **Email:** <support@interswitchng.com>
* **Documentation:** <https://docs.interswitchgroup.com>

***

*Last Updated: September 2026*