aid: ozow
url: https://raw.githubusercontent.com/api-evangelist/ozow/refs/heads/main/apis.yml
name: Ozow
kind: company
description: Ozow (formerly i-Pay) is a South African fintech providing an instant
  EFT / "Pay by Bank" payment gateway. Merchants create a server-side payment request,
  redirect the customer to the Ozow secure bank-selection flow, and reconcile via a
  server-to-server notification. The REST API is ZAR-only (CountryCode ZA), authenticated
  with an ApiKey header and a SHA512 HashCheck built from a merchant PrivateKey.
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: paid
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Paid
  confidence: high
  source:
  - plans
  - authentication
  - security
  - sandbox
  generated: '2026-09-03'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/ozow.png
tags:
- Payments
- Instant EFT
- Pay by Bank
- Fintech
- South Africa
created: '2026-07-17'
modified: '2026-07-17'
specificationVersion: '0.23'
apis:
- aid: ozow:ozow-banks-api
  name: Ozow Banks API
  description: Retrieve the list of supported banks for the payment flow.
  humanURL: https://hub.ozow.com/docs
  baseURL: https://api.ozow.com
  tags:
  - Banks
  properties:
  - type: OpenAPI
    url: openapi/ozow-banks-api-openapi.yml
  - type: Documentation
    url: https://hub.ozow.com/docs
  - type: APIReference
    url: https://ozow.com/integrations
  - type: PostmanCollection
    url: collections/ozow.postman_collection.json
- aid: ozow:ozow-payments-api
  name: Ozow Payments API
  description: Create and initiate instant EFT payment requests.
  humanURL: https://hub.ozow.com/docs
  baseURL: https://api.ozow.com
  tags:
  - Payments
  properties:
  - type: OpenAPI
    url: openapi/ozow-payments-api-openapi.yml
  - type: Documentation
    url: https://hub.ozow.com/docs
  - type: APIReference
    url: https://ozow.com/integrations
  - type: PostmanCollection
    url: collections/ozow.postman_collection.json
- aid: ozow:ozow-refunds-api
  name: Ozow Refunds API
  description: Refund previously completed EFT payments from the merchant float.
  humanURL: https://hub.ozow.com/docs
  baseURL: https://api.ozow.com
  tags:
  - Refunds
  properties:
  - type: OpenAPI
    url: openapi/ozow-refunds-api-openapi.yml
  - type: Documentation
    url: https://hub.ozow.com/docs
  - type: APIReference
    url: https://ozow.com/integrations
  - type: PostmanCollection
    url: collections/ozow.postman_collection.json
- aid: ozow:ozow-transactions-api
  name: Ozow Transactions API
  description: Query transaction status by Ozow reference or merchant reference.
  humanURL: https://hub.ozow.com/docs
  baseURL: https://api.ozow.com
  tags:
  - Transaction
  tags_raw:
  - Transactions
  properties:
  - type: OpenAPI
    url: openapi/ozow-transactions-api-openapi.yml
  - type: Documentation
    url: https://hub.ozow.com/docs
  - type: APIReference
    url: https://ozow.com/integrations
  - type: PostmanCollection
    url: collections/ozow.postman_collection.json
common:
- type: CapabilityMap
  url: capabilities/ozow-capability-edges.yml
  name: Ozow Business Capability Map
- type: PostmanWorkspace
  url: https://www.postman.com/kinlaneapi/ozow/overview
- type: AgenticAccess
  url: agentic-access/ozow-agentic-access.yml
- type: TrustCenter
  url: security/ozow-trust-center.yml
- type: VulnerabilityDisclosure
  url: security/ozow-vulnerability-disclosure.yml
- type: DomainSecurity
  url: security/ozow-domain-security.yml
- type: Authentication
  url: authentication/ozow-authentication.yml
- type: LinkedIn
  url: https://za.linkedin.com/company/ozowsecurepayments
- type: Website
  url: https://ozow.com/
- type: Documentation
  url: https://hub.ozow.com/docs
- type: Plans
  url: plans/ozow-plans-pricing.yml
- type: RateLimits
  url: rate-limits/ozow-rate-limits.yml
- type: FinOps
  url: finops/ozow-finops.yml
- url: https://ozow.com/blog
  type: Blog
- type: DeveloperPortal
  url: https://hub.ozow.com/docs
- type: GettingStarted
  url: https://hub.ozow.com/docs
- type: Support
  url: https://ozow.com/contact
- type: Pricing
  url: https://ozow.com/pricing
- type: SignUp
  url: https://dash.ozow.com
- type: TermsOfService
  url: https://ozow.com/terms-and-conditions
- type: PrivacyPolicy
  url: https://ozow.com/privacy-policy
- type: Packages
  url: packages/ozow-packages.yml
- type: X-MCPServerCandidate
  url: mcp/ozow-mcp.yml
  note: 'Renamed from MCPServer 2026-09-03 (roadmap#247): the manifest self-describes as status: candidate — a tool list derived from the published API contracts, not an existing server. The scorer already read the manifest and reported mcp_server correctly; the MCPServer type was crediting the artifact-type surfaces with a server that does not exist.'
- type: LLMsTxt
  url: llms/ozow-llms.txt
- type: Overlay
  url: overlays/ozow-openapi-overlay.yaml
- type: Conformance
  url: conformance/ozow-conformance.yml
- type: Compliance
  url: security/ozow-trust-center.yml
- type: ErrorCatalog
  url: errors/ozow-problem-types.yml
- type: DeclineCodes
  url: errors/ozow-decline-codes.yml
- type: Lifecycle
  url: lifecycle/ozow-lifecycle.yml
- type: Sandbox
  url: sandbox/ozow-sandbox.yml
- type: Conventions
  url: conventions/ozow-conventions.yml
- type: Components
  url: components/ozow-components.yml
- type: DataModel
  url: data-model/ozow-data-model.yml
- type: Webhooks
  url: asyncapi/ozow-webhooks.yml
- type: AgentSkill
  url: skills/_index.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com