One API for all PSPs. Wire up Kwugwo once and accept payments through every Payment Service Provider you can plug into your workspace — Paystack today, more soon. You configure the PSPs and the routing rules from the dashboard; the API stays the same. Customers pay through local mediums — bank transfers, mobile money, and USSD — and Kwugwo routes each charge to the right PSP behind the scenes. This reference documents the merchant-facing REST API under theDocumentation Index
Fetch the complete documentation index at: https://docs.kwugwo.africa/llms.txt
Use this file to discover all available pages before exploring further.
/v1 namespace. Every request is authenticated with a secret API key that you generate from your dashboard.
Environments
Kwugwo runs two completely isolated environments. Use sandbox while you build — its transactions never settle real money — and flip to live when you’re ready to take real payments.| Environment | Base URL | When to use |
|---|---|---|
| Sandbox | https://sandbox-api.kwugwo.africa | Development, automated tests, and exploring the API. Settles against PSP test mode. |
| Live | https://api.kwugwo.africa | Real customers, real money. |
Every example on this site uses the live base URL for readability. To run a snippet against sandbox, swap
api.kwugwo.africa for sandbox-api.kwugwo.africa and use your sandbox key.Start here
Embed our checkout (recommended)
Drop the Kwugwo overlay onto your site in five lines of JavaScript — no PCI scope, no iframe plumbing, every payment medium we support without writing any new client code. This is the fastest path to a working integration.
Charge customers
Create an
ugwo (a payment request) and process it against a medium of your choice.Manage customers
Store and update customer records (
onye) and attach metadata, references, and billing addresses.Read your checkouts
Read the checkout configurations you built in the dashboard and surface the supported mediums to your customers.
Track activities
Every charge on an
ugwo is recorded as an activity that you can poll until it reaches a terminal state.A note on naming
Kwugwo borrows a few terms from African languages. They are short, distinct, and easy to grep for in your codebase:| Term | Meaning |
|---|---|
| Ugwo | A payment request — what you charge. |
| Onye | A customer / payer. |
| Nzube | A workspace (your merchant account). |
| Kwugwo | ”Pay the debt” — the brand. |
Where to go next
Authentication
How to send your secret key and what each key tier can do.
Webhook deliveries
How Kwugwo notifies you when an ugwo or activity changes — and how to verify the signature.