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AptaPay is a multi-provider gateway. Which provider handles your traffic is a routing decision made per tenant and per corridor — you do not choose it, and you should not encode it in your integration. Not every provider supports every operation. Rather than discovering that in production, ask.

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Capabilities

Signed with your normal credentials. It returns, per capability, which provider you are routed to and whether it is supported — with a human-readable reason when it is not. The capabilities are collections, payouts, refunds, bank_resolution, reference_data, fx and balances.
This is the integration-time contract. A 501 on the actual call — for example POST /v1/refunds, which is an unconditional 501 today — is the backstop for a caller who did not check first, not the intended way to discover a gap.
FX is granted to every tenant as a baseline capability, so you can always quote and exchange between the currencies you hold float in.

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Corridors

A corridor is the combination of country, currency and method. It is the unit that limits, fees and support are defined against.
Returns every corridor available to you, with its minimum and maximum amounts and its supported methods. Query it rather than hardcoding limits — they are configurable per tenant and can only ever be narrowed from the platform defaults, so a cached copy will drift toward being wrong in the permissive direction. Related reference endpoints:

Countries

Supported countries and their currencies.

Banks

Bank list for a country, for bank payouts.

Resolve account

Confirm a bank account resolves to a name before paying out.

Balances

Your float, per currency.

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Country is stated, never guessed

You always state the country explicitly. AptaPay does not infer it from a phone number’s digits, because several currencies span multiple countries — XAF and XOF each cover several — and a guess there would route money to the wrong place. For payouts the country you state is validated strictly. For collections it is more lenient. The asymmetry is deliberate: payouts are irreversible, so an ambiguous destination is refused rather than attempted.