aid: paga
url: https://raw.githubusercontent.com/api-evangelist/paga/refs/heads/main/apis.yml
name: Paga
kind: company
description: Paga (Pagatech Financial Services Limited) is a Nigerian mobile-money
  and payments company founded in 2009 and licensed by the Central Bank of Nigeria.
  Its developer platform exposes REST APIs - the Business API, Collect API, and Direct
  Debit API - for disbursements, airtime/data and bill payments, bank deposits, and
  NGN collections via payment requests and persistent (NUBAN) account numbers.
  Authentication combines a principal/credential key pair with a per-request SHA-512
  hash header.
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Payments
- Mobile Money
- Fintech
- Collections
- Nigeria
created: '2026-07-17'
modified: '2026-07-17'
specificationVersion: '0.19'
apis:
- aid: paga:paga-collect-api
  name: Paga Collect API
  tags:
  - Collections
  - Payments
  - Persistent Payment Account
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://developer-docs.paga.com/docs/paga-collect-api
  baseURL: https://collect.paga.com
  properties:
  - url: https://developer-docs.paga.com/docs/paga-collect-api
    type: Documentation
  - url: https://developer-docs.paga.com/docs/operations-1
    type: APIReference
  - url: openapi/paga-openapi.yml
    type: OpenAPI
  - url: collections/paga.postman_collection.json
    type: PostmanCollection
  description: Collect NGN payments from customers via payment requests (bank
    transfer, USSD, card, agent, or Paga wallet) and persistent NUBAN account
    numbers, with status checks, history, and refunds. HTTP Basic auth plus a
    per-operation SHA-512 hash header.
- aid: paga:paga-business-api
  name: Paga Business API
  tags:
  - Disbursements
  - Airtime
  - Merchant Payment
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://developer-docs.paga.com/docs/business-rest-api
  baseURL: https://www.mypaga.com/paga-webservices/business-rest/secured
  properties:
  - url: https://developer-docs.paga.com/docs/business-rest-api
    type: Documentation
  - url: https://developer-docs.paga.com/docs/business-rest-api-operations
    type: APIReference
  - url: openapi/paga-openapi.yml
    type: OpenAPI
  - url: collections/paga.postman_collection.json
    type: PostmanCollection
  description: Integrate the Paga platform for money transfers, airtime/data
    purchase, merchant and bill payments, bank deposits, account balance,
    transaction history, and customer onboarding. principal/credentials header
    auth plus a per-operation SHA-512 hash header; requires IP whitelisting.
- aid: paga:paga-direct-debit-api
  name: Paga Direct Debit API
  tags:
  - Direct Debit
  - Mandate
  - Tokenization
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://developer-docs.paga.com/docs/direct-debit-api
  baseURL: https://collect.paga.com
  properties:
  - url: https://developer-docs.paga.com/docs/direct-debit-api
    type: Documentation
  - url: openapi/paga-openapi.yml
    type: OpenAPI
  - url: collections/paga.postman_collection.json
    type: PostmanCollection
  description: Tokenize a customer bank account (mandate) and charge it for
    one-time or recurring debits, with mandate status checks and revocation.
    Shares the Collect API host and HTTP Basic + SHA-512 hash auth.
- aid: paga:paga-connect-api
  name: Paga Connect
  tags:
  - OAuth
  - Checkout
  - Payments
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://developer-docs.paga.com/docs/paga-connect
  baseURL: https://www.mypaga.com
  properties:
  - url: https://developer-docs.paga.com/docs/paga-connect
    type: Documentation
  description: OAuth-based hosted checkout that lets third parties charge a
    customer's Paga wallet and read account/merchant details after the customer
    authorizes access. Documented separately from the hash-authenticated REST
    surfaces.
common:
- type: AgenticAccess
  url: agentic-access/paga-agentic-access.yml
- type: TrustCenter
  url: security/paga-trust-center.yml
- type: VulnerabilityDisclosure
  url: security/paga-vulnerability-disclosure.yml
- type: DomainSecurity
  url: security/paga-domain-security.yml
- type: Authentication
  url: authentication/paga-authentication.yml
- type: GitHubOrganization
  url: https://github.com/Paga-Developer-Community
- type: LinkedIn
  url: https://www.linkedin.com/company/paga-tech
- type: Website
  url: https://www.paga.com/
- type: Documentation
  url: https://developer-docs.paga.com/
- type: Plans
  url: plans/paga-plans-pricing.yml
- type: RateLimits
  url: rate-limits/paga-rate-limits.yml
- type: FinOps
  url: finops/paga-finops.yml
- type: Packages
  url: packages/paga-packages.yml
- type: SDKs
  url: packages/paga-packages.yml
- type: MCPServer
  url: mcp/paga-mcp.yml
- type: LLMsTxt
  url: llms/paga-llms.txt
- type: Overlay
  url: overlays/paga-openapi-overlay.yaml
- type: Conformance
  url: conformance/paga-conformance.yml
- type: Compliance
  url: security/paga-trust-center.yml
- type: ErrorCatalog
  url: errors/paga-error-codes.yml
- type: Lifecycle
  url: lifecycle/paga-lifecycle.yml
- type: StatusPage
  url: https://status.paga.com
- type: Sandbox
  url: sandbox/paga-sandbox.yml
- type: Conventions
  url: conventions/paga-conventions.yml
- type: Idempotency
  url: conventions/paga-conventions.yml
- type: Components
  url: components/paga-components.yml
- type: DataModel
  url: data-model/paga-data-model.yml
- type: Webhooks
  url: asyncapi/paga-webhooks.yml
- type: AgentSkill
  url: skills/_index.yml
- type: DeveloperPortal
  url: https://developer-docs.paga.com/
- type: Quickstart
  url: https://developer-docs.paga.com/docs/create-an-account
- type: Support
  url: https://www.paga.com/contact
- type: Blog
  url: https://paga.blog/
- type: TermsOfService
  url: https://www.paga.com/terms
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com