The Checkout link functions similarly to the checkout inline; however, it's produced as a straightforward on-the-fly link. Unlike the checkout inline, there's no necessity for an HTML form. By encoding your payment specifics as query strings, you can craft a personalized checkout link. This approach ensures a seamless payment process and guarantees a smooth return of customers to your platform for uninterrupted interactions.

Try Payment below

Experiment with the payment process by obtaining Test Data and initiating a sample payment.

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Sample Card:

Card number: 5531 8866 5214 2950

Expiry Date: 09/32

CVV: 555,

You can get more sample cards in Test Data and play around with the widget

Simple walk-through

• Create a payment link by adding payment parameters as query string to base URL
• Redirect customer to the link to make payment
• When payment is completed, the customer is redirected back to your charge url.

Each of the query string is explained in the table below

https://checkout.paga.com/checkout/params?public_key="23A3E317-7382-4032-94DE-50BA4B653EE5"&amount="1000.00"&currency="NGN"&payment_reference="JHX-18743567"&charge_url="https://neutral.site/payment/confirmation"&phone_number="+2348063334156"&email="[email protected]"&display_image="https://neutral.site/payment/company_logo"&callback_url="https://neutral.site/payment/callback"&funding_sources="CARD,PAGA,TRANSFER,AGENT,USSD" 

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Base URL

Live environment - https://checkout.paga.com/?

Test Environment - https://beta-checkout.paga.com/?

After Payment

Three actions will happen immediately after payment is completed

1. Customer will be redirected automatically to data-charge_url provided in the script tag with charge_reference=JHX-18743567& status_message=success & status_code=0

https://neutral.site/payment/confirmation?charge_reference=JHX-7045679&status_message=success&status_code=0

2. We'll send you a webhook if you provide data-callback_url

{
  "statusCode": "0",
  "statusMessage": "success",
  "paymentReference": "Paga_Auto_Ref_20250826_132929_yjmb",
  "amount": "10.00",
  "currency": "NGN",
  "timeStamp": "2025-08-26T13:36:04",
  "description": null,
  "customerEmail": "[email protected]",
  "customerPhoneNumber": "+2348063334156",
  "hash": "39453c520890841fe3a837701e60b7dba3f8d737696d8fa5a39e8566b9f96948eaac792e7c03783e67033c37bf6d123e1ff181f015e729e1bcfa70bd8a16ae97"
}

3. We'll send you an email if you've enabled notification on your business account

Checkout Callback Notifications

When a customer completes a checkout via Paga, we send a callback notification to the merchant's configured endpoint. This callback contains details of the payment made and is intended to trigger payment processing logic on your system, such as updating an order or granting access.

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Important Security Note

The callback includes a hash field that your system can use to verify the authenticity and integrity of the request. The hash is computed using the SHA512 algorithm on the HMAC and the parameters marked with a HashIndex in the table below. The numbers in the HashIndex indicate the order (1 to 3) in which the parameters should be concatenated before hashing.You should always validate the hash before processing or trusting the callback data by comparing the generated hash with the hash in the body of the callback.

Callback Payload Structure

Sample Callback Payload

  {
  statusCode: "0",
  statusMessage: "success",
  paymentReference: "Paga_Auto_Ref_20250725_110910_AAfp",
  amount: 50,
  currency: "NGN",
  timeStamp: "1753438293647",
  description: null,
  customerEmail: "[email protected]",
  customerPhoneNumber: "+2348063334156",
  hash: "638e2a48cb7ad3a4d0d140df1057e6370ca0473bd0ba60114510e2881b65c208cef90dab1be89551c0af8cc2c78b4bb5beb846e329c114289b01ef25c1ea2ae8"
}

Computing The Hash

To compute the hash, use the parameters marked by the Hash Index in the table above, or construct the string in the following format and apply the SHA512 algorithm:

SHA512(amount + timeStamp + paymentReference + HMAC)

• The amount must always be in decimal format, e.g., 50.00, 50.75, 500.00
• There must be no spaces in the concatenation

Steps to Obtain Your HMAC Key:

1. Log in to the Old Portal
2. Navigate to Manage Account
3. Click on Manage API Keys
4. Locate and copy the HMAC Key from the section displayed

Verify Charge

This service allows the merchant to verify the status and details of an executed process to determine if a transaction was indeed executed on Paga system using the pre-shared transaction payment reference number.

https://checkout.paga.com/checkout/transaction/verify

POST /checkout/transaction/verify HTTP/1.1
Content-Type: application/json
Accept: application/json
Authorization: "Basic QWxhZGRpbjpvcGVuIHNlc2FtZQ=="

{
  paymentReference:"JHX-18743567",
  amount:1000,
  currency:"NGN"
}

{
  "status_code": 0,
  "status_message": "successful",
  "chargeId":"",
  "amount": 1000,
  "currency": "NGN"
}