specification: API Commons Plans
specificationVersion: '0.1'
schema: https://raw.githubusercontent.com/api-evangelist/interface-research/main/schema/api-commons.yml#/$defs/Plans
provider: Paga
providerId: paga
created: '2026-07-17'
modified: '2026-07-17'
reconciled: false
tags:
- Payments
- Mobile Money
- Fintech
- Collections
- Nigeria
- Plans
description: >-
  Paga's developer APIs are available to registered Paga Business accounts at no
  subscription cost; the commercial model is transaction-fee based. Fees vary by
  channel (bank transfer, USSD, card, wallet), by product (collections,
  disbursements, airtime, bill payment), and are set per merchant agreement. Paga
  does not publish a single fixed public API price card; peer-to-peer transfers,
  wallet funding, and airtime purchases are widely free or a small flat Naira fee,
  while collection and disbursement transactions attract negotiated per-transaction
  or percentage fees. Confirm current rates with Paga business onboarding.
notes: >-
  Per-transaction rates are not published as a fixed public table for the API
  products; they are agreed during merchant onboarding. Currency is NGN.
sources:
- https://developer-docs.paga.com/
- https://www.paga.com/
plans:
- id: paga-business-account
  name: Paga Business Account (API access)
  type: usage
  description: >-
    Free-to-open Paga Business account granting live and test API keys for the
    Business, Collect, and Direct Debit APIs. No subscription fee; revenue is
    per-transaction.
  entries:
  - label: API access
    name: api_access
    type: flat
    metric: subscription
    limit: -1
    timeFrame: month
    geo: Nigeria
    unit: 1
    price: free (no subscription)
    userMultiplied: false
  - label: Collections (payment request / persistent account)
    name: collections
    type: usage
    metric: transactions
    limit: -1
    timeFrame: month
    geo: Nigeria
    unit: 1
    price: negotiated per-transaction / percentage fee (NGN)
    userMultiplied: false
  - label: Disbursement (money transfer / deposit to bank)
    name: disbursement
    type: usage
    metric: transactions
    limit: -1
    timeFrame: month
    geo: Nigeria
    unit: 1
    price: negotiated per-transaction fee (NGN)
    userMultiplied: false
  - label: Airtime & data
    name: airtime
    type: usage
    metric: transactions
    limit: -1
    timeFrame: month
    geo: Nigeria
    unit: 1
    price: commission / free-to-nominal (NGN)
    userMultiplied: false
  - label: Direct debit charge
    name: direct_debit
    type: usage
    metric: transactions
    limit: -1
    timeFrame: month
    geo: Nigeria
    unit: 1
    price: negotiated per-charge fee (NGN)
    userMultiplied: false
  elements:
  - name: Collect API
  - name: Business API
  - name: Direct Debit API
- id: paga-enterprise
  name: Enterprise / Custom
  type: enterprise
  description: >-
    Volume merchants negotiate custom pricing, settlement terms, and support
    through Paga business onboarding.
  entries:
  - label: Custom Agreement
    name: enterprise
    type: flat
    metric: contract
    limit: -1
    timeFrame: year
    geo: Nigeria
    unit: 1
    price: contact Paga business
    userMultiplied: false
  elements:
  - name: Negotiated Transaction Fees
  - name: Settlement Terms
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com