specification: API Commons Rate Limits
specificationVersion: '0.1'
schema: https://raw.githubusercontent.com/api-evangelist/interface-research/main/schema/api-commons.yml#/$defs/RateLimits
provider: Paga
providerId: paga
created: '2026-07-17'
modified: '2026-07-17'
reconciled: false
tags:
- Payments
- Mobile Money
- Fintech
- Nigeria
- Rate Limiting
- Quotas
description: >-
  Paga does not publish explicit numeric rate limits for its Business, Collect,
  or Direct Debit APIs. Access is gated primarily by IP whitelisting (Business
  API) and by idempotency: each operation requires a unique client-generated
  referenceNumber, and replaying a reference returns the prior result rather
  than creating a duplicate. Abnormal traffic is subject to fraud controls and
  account-level throttling at Paga's discretion.
notes: >-
  No public per-endpoint RPM/TPS values are documented. Treat unique
  referenceNumber generation and exponential backoff on 5xx as the effective
  client contract; confirm any hard limits with Paga during onboarding.
sources:
- https://developer-docs.paga.com/docs/business-rest-api-operations
- https://developer-docs.paga.com/docs/operations-1
responseCodes:
  throttled: 429
limits:
- name: Documented numeric limit
  scope: account
  metric: requests
  limit: not published
  notes: Paga does not publish explicit rate-limit numbers for the developer APIs.
- name: IP whitelisting (Business API)
  scope: account
  metric: source_ip
  limit: whitelisted IPs only
  notes: Business API rejects calls from non-whitelisted IP addresses.
policies:
- name: Idempotency
  description: Each operation requires a unique referenceNumber; replays return the original result and do not duplicate transactions.
- name: Backoff Strategy
  description: Clients should implement exponential backoff with jitter on 5xx/timeouts and reconcile via the status endpoints.
- name: Fraud Controls
  description: Account-level throttling and review may be applied to anomalous or high-value activity.
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com