Providers
Tulu Switch abstracts multiple payment providers behind a single API. Each channel is backed by one or more providers. In most cases, Tulu Switch routes to the best available provider automatically. You can also pin a specific provider on a per-request basis when needed.
Automatic Routing
For the WALLET channel, Tulu Switch uses a smart routing algorithm to select the optimal provider for each transaction. The algorithm considers:
- Reliability — provider success rate over recent transactions (weighted 70%)
- Latency — average response time (weighted 30%)
- Liquidity — whether the provider pool has sufficient funds for the requested currency
- Circuit breaker — providers with a success rate below 80% (over at least 10 transactions) are temporarily excluded and re-evaluated after 30 minutes
If a provider is excluded by the circuit breaker, routing falls back to the next best available provider automatically.
Provider List
| Provider | Channels | Currencies | Capabilities | Notes |
|---|---|---|---|---|
| Paystack | WALLETACCOUNT | NGN | Checkout deposits, Virtual accounts (Wema Bank DVA), Outbound bank transfers (LIVE), Subscriptions, Refunds | Primary NGN provider. DVA NUBANs are persistent and suitable for customer-facing collection accounts. |
| Flutterwave | WALLETACCOUNT | NGNKESGHSZARUSDEURGBP | Multi-currency checkout, Virtual accounts (NGN), Outbound bank transfers (LIVE), Subscriptions (all intervals incl. QUARTERLY), Refunds | Only provider supporting multi-currency wallets outside NGN. |
| Seerbit | WALLETACCOUNT | NGN | Checkout deposits, Sub-pocket virtual accounts, Outbound bank transfers (LIVE) | No refund or subscription support. Used as an alternative NGN routing option. |
| PayRep MFB | ACCOUNT | NGN | MFB-regulated NUBAN accounts, Incoming bank transfers | Exclusively for the ACCOUNT channel. Provides licensed MFB NUBANs. |
| Crossmint | STABLECOIN | USDCUSDT | EVM on-chain wallets; Base, Ethereum, Polygon, Arbitrum, Optimism, Avalanche, BSC, Scroll, World Chain; testnets supported | Manages EVM wallet custody and on-chain settlement. Testnet uses Sepolia variants. |
| Hedera | STABLECOIN | USDCUSDT | Hedera Hashgraph on-chain wallets; mainnet and hedera-testnet | Integrated directly via @hashgraph/sdk, independent of Crossmint. |
Specifying a Provider
Most endpoints that accept a provider field let you pin a specific provider for that operation. This is optional — omitting it triggers automatic routing.
Valid provider names to pass in requests:
PaystackFlutterwaveSeerbitPayRep MFBCrossmintHederaPrefer automatic routing in production unless you have a specific reason to pin a provider. Pinning bypasses the circuit breaker and liquidity checks.