Rate limiting

Fixed one-minute window, reset at the start of each minute. Counted per merchant account: every key on the account shares one budget.

Limits by plan

Headers

• X-RateLimit-Limit: Requests allowed in the current minute.
• X-RateLimit-Remaining: Requests left in the current minute.
• Retry-After: Seconds until the window resets (429 responses only).

429 response

{
    "success": false,
    "error": "Rate limit exceeded for your subscription tier.",
    "error_code": "RATE_LIMIT_EXCEEDED",
    "details": {
        "tier": "Free",
        "requests_used": 30,
        "requests_limit": 30,
        "upgrade_url": "https://swiftwallet.co.ke/subscription",
        "retry_after": 42
    }
}

Wait for Retry-After seconds before retrying. Upgrade at https://swiftwallet.co.ke/subscription.