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.
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Payments
- Instant EFT
- Pay by Bank
- Fintech
- South Africa
created: '2026-07-17'
modified: '2026-07-17'
specificationVersion: '0.19'
apis:
- aid: ozow:ozow-payments-api
  name: Ozow Payments API
  tags:
  - Payments
  - Instant EFT
  - Pay by Bank
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://hub.ozow.com/docs
  baseURL: https://api.ozow.com
  properties:
  - url: https://hub.ozow.com/docs
    type: Documentation
  - url: https://ozow.com/integrations
    type: APIReference
  - url: openapi/ozow-openapi.yml
    type: OpenAPI
  - url: collections/ozow.postman_collection.json
    type: PostmanCollection
  description: Creates an instant EFT payment request (POST /postpaymentrequest) and
    returns a redirect URL to the Ozow secure bank-selection page. ZAR-only, ApiKey
    header plus SHA512 HashCheck over the field set with the merchant PrivateKey.
- aid: ozow:ozow-transactions-api
  name: Ozow Transactions API
  tags:
  - Transactions
  - Reconciliation
  - Status
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://hub.ozow.com/docs
  baseURL: https://api.ozow.com
  properties:
  - url: https://hub.ozow.com/docs
    type: Documentation
  - url: openapi/ozow-openapi.yml
    type: OpenAPI
  - url: collections/ozow.postman_collection.json
    type: PostmanCollection
  description: Query transaction status by Ozow transaction id (GET /GetTransaction)
    or by merchant reference (GET /GetTransactionByReference). Returns an array of
    transaction objects for reconciliation.
- aid: ozow:ozow-banks-api
  name: Ozow Bank List API
  tags:
  - Banks
  - Bank Selection
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://hub.ozow.com/docs
  baseURL: https://api.ozow.com
  properties:
  - url: https://hub.ozow.com/docs
    type: Documentation
  - url: openapi/ozow-openapi.yml
    type: OpenAPI
  - url: collections/ozow.postman_collection.json
    type: PostmanCollection
  description: Returns the list of supported banks (GET /GetBanks) for merchants that
    render their own bank-selection UI ahead of redirecting to the Ozow flow.
- aid: ozow:ozow-refunds-api
  name: Ozow Refunds API
  tags:
  - Refunds
  - Payouts
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://hub.ozow.com/docs
  baseURL: https://api.ozow.com
  properties:
  - url: https://hub.ozow.com/docs
    type: Documentation
  - url: openapi/ozow-openapi.yml
    type: OpenAPI
  - url: collections/ozow.postman_collection.json
    type: PostmanCollection
  description: Refunds previously completed EFT payments from the merchant Ozow float
    (POST /PostRefundRequest). Uses a bearer token from the Ozow token service plus
    a HashCheck; Ozow notifies the merchant NotifyUrl on completion or failure.
common:
- 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: MCPServer
  url: mcp/ozow-mcp.yml
- 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