The API exchange for recharge & verification services
Connect your own APIs, sell services to thousands of buyers, and route every transaction across multiple providers — with a wallet engine, real-time reports and bank-grade security built in.
Platform
Everything an exchange needs, built in
Not a demo — a transaction platform engineered for concurrency, idempotency and audit-grade records.
Smart routing & failover
Route every transaction across multiple providers with priority, health checks and circuit breaking — a timeout becomes PENDING + reconciliation, never a blind retry.
Wallet & ledger engine
Immutable double-entry ledger with transactional holds. Funds are locked, settled or released — never subtracted in application code.
Idempotent by design
Client reference IDs guarantee the same request can never charge twice, even under retries or concurrency.
Callbacks & reconciliation
Signed callbacks with retries, plus background reconciliation for pending and ambiguous upstream outcomes.
Security first
Argon2 passwords, Google Authenticator 2FA, RBAC, API-key + IP whitelisting and SSRF-guarded outbound connectors.
Live transaction reports
A real-time feed of platform activity with ownership scoping — users see their own flow, admins see everything.
Services
One platform, every utility
Operators are configured dynamically by administrators — add a provider once and expose its services to every buyer.
Mobile Recharge
DTH
Electricity
Gas
Broadband
Water
Insurance
KYC & Verification
How it works
From your API to earnings in three steps
Connect your API
Register as a provider, add your credentials and declare your endpoints through the declarative connector builder — no code changes required.
Get approved & publish
Run the SSRF-guarded test console, map your operator codes, and go live once an administrator approves your services.
Earn & settle
Every processed transaction accrues to your seller earnings ledger, becomes eligible after the holding period and settles automatically.
Developers
A single request. A canonical response.
Authenticate with your API key, send a recharge, and receive a consistent envelope —SUCCESS,PENDING orFAILED. Canonical error codes, IP whitelisting and idempotency keys come standard.
- Idempotency keys prevent double charges
- Signed callbacks with automatic retries
- IP whitelisting per API key
- Canonical operator & error codes only
curl -X POST https://api.zupayexchange.com/api/v1/recharge \
-H "X-API-Key: ape_live_••••" \
-H "Content-Type: application/json" \
-d '{
"operator_code": "AIR",
"account_number": "9876543210",
"amount": "199.00",
"idempotency_key": "order-84213"
}'{
"success": true,
"transaction_id": "TXN-8f3a…",
"status": "PENDING",
"operator": "AIR",
"amount": "199.00",
"reference_number": null
}Start exchanging in minutes
Create an account, fund your wallet and make your first transaction — or connect your own API and start earning as a provider.