generated: '2026-07-15' method: generated source: openapi/interswitch-airtime-recharge-api-openapi.yml, openapi/interswitch-bills-payment-api-openapi.yml, openapi/interswitch-card-360-api-openapi.yml, openapi/interswitch-customer-insights-api-openapi.yml, openapi/interswitch-lending-api-openapi.yml, openapi/interswitch-paycode-api-openapi.yml, openapi/interswitch-payment-gateway-api-openapi.yml, openapi/interswitch-recurring-payments-api-openapi.yml, openapi/interswitch-refunds-api-openapi.yml, openapi/interswitch-transaction-search-api-openapi.yml, openapi/interswitch-transfers-api-openapi.yml, openapi/interswitch-web-checkout-api-openapi.yml description: Recommended x-agentic-access execution contracts, classified heuristically from the OpenAPI. A governance starting point for exposing this API to AI agents — review and bind audience per deployment. See research/curity/agentic-governance/. summary: operations: 55 by_action_class: connected: 24 acting: 31 by_consequence: read: 24 physical: 16 write: 14 safety-critical: 1 human_in_the_loop_required: 1 operations: - path: /api/v2/quickteller/categorys/4/billers method: get operationId: listAirtimeTelcos x-agentic-access: action-class: connected consequence: read subject: optional token: max-ttl: 3600 audit: none - path: /api/v2/quickteller/billers/{billerId}/paymentitems method: get operationId: listAirtimeDenominations x-agentic-access: action-class: connected consequence: read subject: optional token: max-ttl: 3600 audit: none - path: /api/v2/quickteller/payments/advices method: post operationId: rechargeAirtime x-agentic-access: action-class: acting consequence: physical subject: required audience: null token: max-ttl: 300 exchange: true purpose-required: true escalation: human-in-the-loop: conditional triggers: - abnormal - high-value audit: required - path: /api/v2/quickteller/payments/advices/epin method: post operationId: purchaseEpinVoucher x-agentic-access: action-class: acting consequence: physical subject: required audience: null token: max-ttl: 300 exchange: true purpose-required: true escalation: human-in-the-loop: conditional triggers: - abnormal - high-value audit: required - path: /api/v2/quickteller/categorys method: get operationId: listBillerCategories x-agentic-access: action-class: connected consequence: read subject: optional token: max-ttl: 3600 audit: none - path: /api/v2/quickteller/categorys/{categoryId}/billers method: get operationId: listBillersInCategory x-agentic-access: action-class: connected consequence: read subject: optional token: max-ttl: 3600 audit: none - path: /api/v2/quickteller/billers method: get operationId: listBillers x-agentic-access: action-class: connected consequence: read subject: optional token: max-ttl: 3600 audit: none - path: /api/v2/quickteller/billers/{billerId}/paymentitems method: get operationId: listBillerPaymentItems x-agentic-access: action-class: connected consequence: read subject: optional token: max-ttl: 3600 audit: none - path: /api/v2/quickteller/customers/validations method: post operationId: validateCustomer x-agentic-access: action-class: acting consequence: write subject: required audience: null token: max-ttl: 900 escalation: human-in-the-loop: conditional triggers: - abnormal - high-value audit: required - path: /api/v2/quickteller/payments/advices method: post operationId: submitBillPaymentAdvice x-agentic-access: action-class: acting consequence: physical subject: required audience: null token: max-ttl: 300 exchange: true purpose-required: true escalation: human-in-the-loop: conditional triggers: - abnormal - high-value audit: required - path: /card-360/api/v1/cards method: post operationId: createCard x-agentic-access: action-class: acting consequence: write subject: required audience: null token: max-ttl: 900 escalation: human-in-the-loop: conditional triggers: - abnormal - high-value audit: required - path: /card-360/api/v1/cards/{cardId} method: get operationId: getCard x-agentic-access: action-class: connected consequence: read subject: optional token: max-ttl: 3600 audit: none - path: /card-360/api/v1/cards/{cardId}/block method: post operationId: blockCard x-agentic-access: action-class: acting consequence: write subject: required audience: null token: max-ttl: 900 escalation: human-in-the-loop: conditional triggers: - abnormal - high-value audit: required - path: /card-360/api/v1/cards/{cardId}/unblock method: post operationId: unblockCard x-agentic-access: action-class: acting consequence: write subject: required audience: null token: max-ttl: 900 escalation: human-in-the-loop: conditional triggers: - abnormal - high-value audit: required - path: /card-360/api/v1/cards/{cardId}/pin method: post operationId: setCardPin x-agentic-access: action-class: acting consequence: safety-critical subject: required audience: null token: max-ttl: 120 exchange: true purpose-required: true proof-of-possession: true escalation: human-in-the-loop: required audit: required - path: /card-360/api/v1/cards/{cardId}/balance method: get operationId: getCardBalance x-agentic-access: action-class: connected consequence: read subject: optional token: max-ttl: 3600 audit: none - path: /card-360/api/v1/cards/link method: post operationId: linkCard x-agentic-access: action-class: acting consequence: write subject: required audience: null token: max-ttl: 900 escalation: human-in-the-loop: conditional triggers: - abnormal - high-value audit: required - path: /card-360/api/v1/cards/validate method: post operationId: validateCard x-agentic-access: action-class: acting consequence: write subject: required audience: null token: max-ttl: 900 escalation: human-in-the-loop: conditional triggers: - abnormal - high-value audit: required - path: /insights/api/v1/customers/{customerId}/demography method: get operationId: getCustomerDemography x-agentic-access: action-class: connected consequence: read subject: optional token: max-ttl: 3600 audit: none - path: /insights/api/v1/customers/{customerId}/financial-history method: get operationId: getFinancialHistory x-agentic-access: action-class: connected consequence: read subject: optional token: max-ttl: 3600 audit: none - path: /insights/api/v1/customers/{customerId}/financial-history/average method: get operationId: getAverageFinancialHistory x-agentic-access: action-class: connected consequence: read subject: optional token: max-ttl: 3600 audit: none - path: /insights/api/v1/customers/{customerId}/financial-habits method: get operationId: getFinancialHabits x-agentic-access: action-class: connected consequence: read subject: optional token: max-ttl: 3600 audit: none - path: /lending-service/api/v1/offers/providers method: get operationId: listLoanProviders x-agentic-access: action-class: connected consequence: read subject: optional token: max-ttl: 3600 audit: none - path: /lending-service/api/v3/offers method: get operationId: listLoanOffers x-agentic-access: action-class: connected consequence: read subject: optional token: max-ttl: 3600 audit: none - path: /lending-service/api/v1/offers/{offerId}/accept method: post operationId: acceptLoanOffer x-agentic-access: action-class: acting consequence: write subject: required audience: null token: max-ttl: 900 escalation: human-in-the-loop: conditional triggers: - abnormal - high-value audit: required - path: /lending-service/api/v1/loans/{loanId}/fund method: post operationId: fundLoan x-agentic-access: action-class: acting consequence: write subject: required audience: null token: max-ttl: 900 escalation: human-in-the-loop: conditional triggers: - abnormal - high-value audit: required - path: /lending-service/api/v1/loans/{loanId}/debit method: post operationId: debitLoanRepayment x-agentic-access: action-class: acting consequence: physical subject: required audience: null token: max-ttl: 300 exchange: true purpose-required: true escalation: human-in-the-loop: conditional triggers: - abnormal - high-value audit: required - path: /lending-service/api/v1/loans/{loanId}/update method: put operationId: updateLoanStatus x-agentic-access: action-class: acting consequence: write subject: required audience: null token: max-ttl: 900 escalation: human-in-the-loop: conditional triggers: - abnormal - high-value audit: required - path: /lending-service/api/v1/users/{customerId}/status method: get operationId: getCustomerLoanStatus x-agentic-access: action-class: connected consequence: read subject: optional token: max-ttl: 3600 audit: none - path: /lending-service/api/v1/users/{customerId}/payment-methods method: get operationId: listCustomerPaymentMethods x-agentic-access: action-class: connected consequence: read subject: optional token: max-ttl: 3600 audit: none - path: /lending-service/api/v2/payments/token method: post operationId: generateLendingPaymentToken x-agentic-access: action-class: acting consequence: physical subject: required audience: null token: max-ttl: 300 exchange: true purpose-required: true escalation: human-in-the-loop: conditional triggers: - abnormal - high-value audit: required - path: /lending-service/api/v2/payments/token/validate method: post operationId: validateLendingPaymentTokenOtp x-agentic-access: action-class: acting consequence: physical subject: required audience: null token: max-ttl: 300 exchange: true purpose-required: true escalation: human-in-the-loop: conditional triggers: - abnormal - high-value audit: required - path: /api/v1/pwm/subscribers/{subscriberId}/tokens method: post operationId: generatePaycodeToken x-agentic-access: action-class: acting consequence: write subject: required audience: null token: max-ttl: 900 escalation: human-in-the-loop: conditional triggers: - abnormal - high-value audit: required - path: /api/v1/pwm/subscribers/{subscriberId}/tokens/status method: get operationId: getPaycodeTokenStatus x-agentic-access: action-class: connected consequence: read subject: optional token: max-ttl: 3600 audit: none - path: /cardless-service/api/v1/cardless-services/cancel-token method: post operationId: cancelPaycodeToken x-agentic-access: action-class: acting consequence: write subject: required audience: null token: max-ttl: 900 escalation: human-in-the-loop: conditional triggers: - abnormal - high-value audit: required - path: /api/v1/pwm/subscribers/{subscriberId}/tokens/bulk method: post operationId: generateBulkPaycodeTokens x-agentic-access: action-class: acting consequence: write subject: required audience: null token: max-ttl: 900 escalation: human-in-the-loop: conditional triggers: - abnormal - high-value audit: required - path: /paymentgateway/api/v1/payments method: post operationId: createCardPayment x-agentic-access: action-class: acting consequence: physical subject: required audience: null token: max-ttl: 300 exchange: true purpose-required: true escalation: human-in-the-loop: conditional triggers: - abnormal - high-value audit: required - path: /paymentgateway/api/v1/payments/{paymentId} method: get operationId: getPayment x-agentic-access: action-class: connected consequence: read subject: optional token: max-ttl: 3600 audit: none - path: /paymentgateway/api/v1/hosted-fields/sessions method: post operationId: createHostedFieldsSession x-agentic-access: action-class: acting consequence: physical subject: required audience: null token: max-ttl: 300 exchange: true purpose-required: true escalation: human-in-the-loop: conditional triggers: - abnormal - high-value audit: required - path: /paymentgateway/api/v1/three-d-secure/sessions method: post operationId: createThreeDSecureSession x-agentic-access: action-class: acting consequence: physical subject: required audience: null token: max-ttl: 300 exchange: true purpose-required: true escalation: human-in-the-loop: conditional triggers: - abnormal - high-value audit: required - path: /paymentgateway/api/v1/payment-links method: post operationId: createPaymentLink x-agentic-access: action-class: acting consequence: physical subject: required audience: null token: max-ttl: 300 exchange: true purpose-required: true escalation: human-in-the-loop: conditional triggers: - abnormal - high-value audit: required - path: /api/v2/purchases/validations/recurrents method: post operationId: tokenizeCardForRecurring x-agentic-access: action-class: acting consequence: physical subject: required audience: null token: max-ttl: 300 exchange: true purpose-required: true escalation: human-in-the-loop: conditional triggers: - abnormal - high-value audit: required - path: /api/v2/purchases/recurrents method: post operationId: chargeRecurringToken x-agentic-access: action-class: acting consequence: physical subject: required audience: null token: max-ttl: 300 exchange: true purpose-required: true escalation: human-in-the-loop: conditional triggers: - abnormal - high-value audit: required - path: /paymentgateway/api/v1/refunds method: post operationId: createRefund x-agentic-access: action-class: acting consequence: physical subject: required audience: null token: max-ttl: 300 exchange: true purpose-required: true escalation: human-in-the-loop: conditional triggers: - abnormal - high-value audit: required - path: /paymentgateway/api/v1/refunds/{refundReference} method: get operationId: getRefund x-agentic-access: action-class: connected consequence: read subject: optional token: max-ttl: 3600 audit: none - path: /transaction-search/api/v1/search/quick method: get operationId: quickTransactionSearch x-agentic-access: action-class: connected consequence: read subject: optional token: max-ttl: 3600 audit: none - path: /transaction-search/api/v1/search/reference method: get operationId: searchTransactionByReference x-agentic-access: action-class: connected consequence: read subject: optional token: max-ttl: 3600 audit: none - path: /transaction-search/api/v1/search/bulk method: post operationId: bulkTransactionSearch x-agentic-access: action-class: acting consequence: write subject: required audience: null token: max-ttl: 900 escalation: human-in-the-loop: conditional triggers: - abnormal - high-value audit: required - path: /transaction-search/api/v1/transactions/{transactionId} method: get operationId: getTransactionDetail x-agentic-access: action-class: connected consequence: read subject: optional token: max-ttl: 3600 audit: none - path: /quicktellerservice/api/v5/transactions/TransferFunds method: post operationId: sendSingleTransfer x-agentic-access: action-class: acting consequence: physical subject: required audience: null token: max-ttl: 300 exchange: true purpose-required: true escalation: human-in-the-loop: conditional triggers: - abnormal - high-value audit: required - path: /quicktellerservice/api/v5/transactions/BulkTransfer method: post operationId: sendBulkTransfer x-agentic-access: action-class: acting consequence: physical subject: required audience: null token: max-ttl: 300 exchange: true purpose-required: true escalation: human-in-the-loop: conditional triggers: - abnormal - high-value audit: required - path: /quicktellerservice/api/v5/transactions/NameInquiry method: post operationId: nameInquiry x-agentic-access: action-class: acting consequence: write subject: required audience: null token: max-ttl: 900 escalation: human-in-the-loop: conditional triggers: - abnormal - high-value audit: required - path: /quicktellerservice/api/v5/banks method: get operationId: listBanks x-agentic-access: action-class: connected consequence: read subject: optional token: max-ttl: 3600 audit: none - path: /collections/w/pay method: post operationId: initiateWebRedirectPayment x-agentic-access: action-class: acting consequence: physical subject: required audience: null token: max-ttl: 300 exchange: true purpose-required: true escalation: human-in-the-loop: conditional triggers: - abnormal - high-value audit: required - path: /collections/api/v1/gettransaction.json method: get operationId: getTransactionStatus x-agentic-access: action-class: connected consequence: read subject: optional token: max-ttl: 3600 audit: none