Paga API Documentation

What do you want to build?

Start from the money flow your product needs.

Accept payments

Get paid by your customers

Collect by bank transfer, card, USSD, Paga Wallet, direct debit or US dollars, and give customers their own account numbers.

Explore all →

Make payments

Pay out and sell services

Send money to any bank or Paga wallet, top up airtime and data, and pay bills, straight from your business balance.

Explore all →

Go from sign-up to first payment

Everything you need to test runs in Sandbox, with no real money.

1
Create your accounts
Sign up for Sandbox and Live in minutes. Get started
2
Get your API keys
Copy your public, secret and hash keys from the business portal. Get your API keys
3
Make your first request
Create a payment request, then pay it with the bank transfer simulator.

Collect a bank transfer in Sandbox

curl -X POST https://beta-collect.paga.com/paymentRequest \
  -u "YOUR_PUBLIC_KEY:YOUR_SECRET_KEY" \
  -H "hash: YOUR_REQUEST_HASH" \
  -H "Content-Type: application/json" \
  -d '{
    "referenceNumber": "ORD-2026-0187",
    "amount": 50,
    "currency": "NGN",
    "payer": { "name": "Oluseyi Ramon", "phoneNumber": "08064343187" },
    "payee": { "name": "Your business" },
    "paymentMethods": ["BANK_TRANSFER"],
    "callBackUrl": "https://yourstore.com/webhooks/paga"
  }'

# → returns a one-time account number your customer pays into

Tools to test faster

Try things out before you write much code.

Checkout playground →Open Checkout and pay with test data, no code needed. Bank transfer simulator →Send a test transfer to any Sandbox account number. Test data →Test cards, bank accounts, meters and smart cards. Error handling →Read every response safely, and never pay twice.

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