generated: '2026-07-17'
method: generated
source: openapi/paga-openapi.yml
description: Recommended x-agentic-access execution contracts, classified heuristically from
  the modeled OpenAPI. A governance starting point for exposing Paga's payment APIs to AI
  agents - review and bind audience per deployment. Money-movement operations default to
  human-in-the-loop because they debit or disburse real NGN funds. See research/curity/agentic-access/.
summary:
  operations: 23
  by_action_class:
    acting: 15
    connected: 8
  by_consequence:
    write: 15
    read: 8
  human_in_the_loop_required: 8
operations:
- path: /paymentRequest
  method: post
  operationId: requestPayment
  x-agentic-access:
    action-class: acting
    consequence: write
    subject: required
    audience: null
    token:
      max-ttl: 900
    escalation:
      human-in-the-loop: required
      triggers:
      - money-movement
      - high-value
    audit: required
- path: /status
  method: post
  operationId: checkStatus
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /refund/v2
  method: post
  operationId: refundPaymentV2
  x-agentic-access:
    action-class: acting
    consequence: write
    subject: required
    audience: null
    token:
      max-ttl: 900
    escalation:
      human-in-the-loop: required
      triggers:
      - money-movement
      - refund
    audit: required
- path: /history
  method: post
  operationId: retrieveHistory
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /banks
  method: post
  operationId: getCollectBanks
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /registerPersistentPaymentAccount
  method: post
  operationId: registerPersistentPaymentAccount
  x-agentic-access:
    action-class: acting
    consequence: write
    subject: required
    audience: null
    token:
      max-ttl: 900
    escalation:
      human-in-the-loop: conditional
      triggers:
      - abnormal
      - pii
    audit: required
- path: /getPersistentPaymentAccount
  method: post
  operationId: getPersistentPaymentAccount
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /updatePersistentPaymentAccount
  method: post
  operationId: updatePersistentPaymentAccount
  x-agentic-access:
    action-class: acting
    consequence: write
    subject: required
    audience: null
    token:
      max-ttl: 900
    escalation:
      human-in-the-loop: conditional
      triggers:
      - abnormal
    audit: required
- path: /deletePersistentPaymentAccount
  method: post
  operationId: deletePersistentPaymentAccount
  x-agentic-access:
    action-class: acting
    consequence: write
    subject: required
    audience: null
    token:
      max-ttl: 900
    escalation:
      human-in-the-loop: required
      triggers:
      - destructive
      - irreversible
    audit: required
- path: /chargeDebitMandate
  method: post
  operationId: chargeDebitMandate
  x-agentic-access:
    action-class: acting
    consequence: write
    subject: required
    audience: null
    token:
      max-ttl: 900
    escalation:
      human-in-the-loop: required
      triggers:
      - money-movement
      - high-value
    audit: required
- path: /getChargeMandateStatus
  method: post
  operationId: getChargeMandateStatus
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /disableMandate
  method: post
  operationId: disableMandate
  x-agentic-access:
    action-class: acting
    consequence: write
    subject: required
    audience: null
    token:
      max-ttl: 900
    escalation:
      human-in-the-loop: conditional
      triggers:
      - destructive
    audit: required
- path: /paga-webservices/business-rest/secured/moneyTransfer
  method: post
  operationId: moneyTransfer
  x-agentic-access:
    action-class: acting
    consequence: write
    subject: required
    audience: null
    token:
      max-ttl: 900
    escalation:
      human-in-the-loop: required
      triggers:
      - money-movement
      - high-value
    audit: required
- path: /paga-webservices/business-rest/secured/airtimePurchase
  method: post
  operationId: airtimePurchase
  x-agentic-access:
    action-class: acting
    consequence: write
    subject: required
    audience: null
    token:
      max-ttl: 900
    escalation:
      human-in-the-loop: conditional
      triggers:
      - money-movement
    audit: required
- path: /paga-webservices/business-rest/secured/merchantPayment
  method: post
  operationId: merchantPayment
  x-agentic-access:
    action-class: acting
    consequence: write
    subject: required
    audience: null
    token:
      max-ttl: 900
    escalation:
      human-in-the-loop: required
      triggers:
      - money-movement
      - high-value
    audit: required
- path: /paga-webservices/business-rest/secured/depositToBank
  method: post
  operationId: depositToBank
  x-agentic-access:
    action-class: acting
    consequence: write
    subject: required
    audience: null
    token:
      max-ttl: 900
    escalation:
      human-in-the-loop: required
      triggers:
      - money-movement
      - high-value
    audit: required
- path: /paga-webservices/business-rest/secured/validateDepositToBank
  method: post
  operationId: validateDepositToBank
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /paga-webservices/business-rest/secured/accountBalance
  method: post
  operationId: accountBalance
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /paga-webservices/business-rest/secured/getBanks
  method: post
  operationId: getBusinessBanks
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /paga-webservices/business-rest/secured/getMobileOperators
  method: post
  operationId: getMobileOperators
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /paga-webservices/business-rest/secured/getOperationStatus
  method: post
  operationId: getOperationStatus
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /paga-webservices/business-rest/secured/transactionHistory
  method: post
  operationId: transactionHistory
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /paga-webservices/business-rest/secured/registerCustomer
  method: post
  operationId: registerCustomer
  x-agentic-access:
    action-class: acting
    consequence: write
    subject: required
    audience: null
    token:
      max-ttl: 900
    escalation:
      human-in-the-loop: conditional
      triggers:
      - pii
      - kyc
    audit: required