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Join hundreds of businesses already building with Paga Engine

Scalable payment infrastructure built for Africa

Collect from customers at home and abroad, pay out instantly, and sell airtime, data and bills. One set of APIs for businesses across Africa, backed by Paga’s network of 20 million+ users.

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20M+Paga users who can pay you
570+banks and institutions you can pay in Nigeria
190M+Nigerian phone numbers you can top up
100+billers across essential services
Three money flows

One platform for the whole payments journey

Money comes in, it’s held and managed, then it goes out. Start from the flow your product needs.

Accept payments

Get paid by your customers

Collect by card, bank transfer, USSD, Paga Wallet, direct debit or US dollars, and get paid as a biller on Paga’s channels.

Checkout Dynamic virtual account Bank USSD Direct Debit (Open Banking) Paga Wallet Bank Transfer (ACH, Wire and Swift) Become a biller Refunds
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Manage accounts

Hold and track money

Give every customer their own account number, and keep track of your own business account’s balance and history.

Subsidiary Accounts Your business account
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Make payments

Pay out and sell services

Send money to 570+ banks and wallets, top up airtime and data, and pay bills, straight from your business balance.

Money transfer Airtime and data Bill payment Supported billers
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What you can build

Start from the problem you’re solving

Each guide takes you from the first request to production, with examples, callbacks and test data.

Recurring payments Subscriptions and loan repayments Set up a mandate once, then charge the customer’s bank account whenever a payment is due. Read the guide → Online payments Checkout for stores and apps Take card, transfer, USSD and Paga Wallet payments on a page Paga hosts. Read the guide → Accounts Wallets and per-customer accounts Give every customer a permanent account number that holds funds or settles to you. Read the guide → Payouts Payroll and supplier payments Pay 570+ banks and Paga wallets from your balance, with a callback for every transfer. Read the guide → Value-added services Airtime, data and bills in your app Sell airtime and data on every major network, and pay 100+ billers. Read the guide → Cross-border Get paid from abroad Collect US dollars by ACH, wire or SWIFT, settled to you in naira. Read the guide → Distribution Reach Paga’s 20 million+ users List as a biller and get paid from the Paga app, agents, POS and partner platforms. Read the guide → Operations Reconcile and refund Check balances and history, download statements, and refund in full or in part. Read the guide →
Why Paga Engine

Built for security, compliance and reliability at scale

Every way to pay

Cards, bank transfer, USSD, Paga Wallet, direct debit and US dollars, through one integration.

Real-time by default

Signed callbacks reach your server the moment a payment lands, so you never have to poll.

Secure by design

Every request is signed with a SHA-512 hash and limited to your whitelisted IP addresses.

Built to scale

Proven at high transaction volumes, with 99.99% uptime.

Customers

Built into products like yours

Businesses across Africa use Paga Engine to collect, pay out and sell.

Branch International

Airtime, data, subscriptions and bill payments, inside the Branch app.

Omnibiz

Digital collections across manufacturers, distributors, retailers and consumers.

Vertofx

Payments and disbursements across multiple channels, in one place.

Quickstart

Go from sign-up to first payment

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

  1. 1
    Create your accounts

    Sign up for Sandbox and Live in minutes. Get started

  2. 2
    Get your API keys

    Copy your public, secret and hash keys from the business portal. Get your API keys

  3. 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": "Bello 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
Developer tools

Test faster, with less code

Try things out before you write much of it.

API reference →Every endpoint, in the same order as the guides, with pre-filled requests. Postman collection →Fork every request, with hashes and references set for you. Hash generator →Get the exact hash for any request, or check a callback’s. Bank transfer simulator →Send a test transfer to any Sandbox account number. Checkout playground →Open Checkout and pay with test data, no code needed. Test data →Test cards, bank accounts, meters and smart cards.
FAQ

Frequently asked questions

Can’t find your answer? Our team is here 24/7.

Email support →
How do I get my API keys?

Create a Sandbox account, then find your public key, secret key and hash key in the business portal. Live keys work once your business is approved.

What’s the difference between Sandbox and Live?

Sandbox is for testing with no real money. Live moves real money. Each has its own portal, keys and servers, so you can build and test before you go live.

Which API do I need?

Start from what you’re building. The guides and the API reference are both grouped by use case, so you can go straight to Checkout, Money transfer or Bill payment without choosing an API first.

How do I test without real money?

Use Sandbox with the bank transfer simulator, the Checkout playground and the test data page, which lists test cards, bank accounts, meters and smart cards.

How are requests secured?

Every request carries your keys and a SHA-512 hash, and only works from IP addresses you’ve whitelisted. Callbacks are signed too, so you can verify them.

Can Paga help me integrate?

Yes. Email our team and they’ll help you choose the right products and go live.

Ready to build with Paga Engine?

Create your account, test in Sandbox, and go live when you’re ready. Or talk to our team about what you’re building.

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Pagatech Limited is licensed to provide mobile money services in Nigeria by the Central Bank of Nigeria (CBN), and insured by the Nigeria Deposit Insurance Corporation (NDIC).