Checkout link

Simplify payments with a simple link!

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.


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"23A3E317-7382-4032-94DE-50BA4B653EE5"&amount="1000.00"&currency="NGN"&payment_reference="JHX-18743567"&charge_url=""&phone_number="+2348063334156"&email="[email protected]"&display_image=""&callback_url=""&funding_sources="CARD,PAGA,TRANSFER,AGENT,USSD" 


Base URL

Live environment -

Test Environment -

Query StringsData TypeRequiredDescription
public_keyStringYesPublic Key for your Paga business account
amountNumberYesAmount you want customer to pay
currencyStringNoDefault is NGN, specify if otherwise
payment_referenceStringNoPayment identifier, if not provided, paga will generate
charge_urlStringNoLocation to redirect your customer after payment
phone_numberStringNoCustomer's phone number
emailStringNoCustomer's email address
display_imageStringNoMerchant preferred image on checkout
callback_urlStringNoTo receive callback for payment, indicate callback url
funding_sourcesListNoDefault is all payment method available. If specific payment method is preffered, specify and separate with comma in preferred orderCARD,PAGA,TRANSFER,AGENT,USSD

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
ParamsData TypeRequiredDescription
charge_referenceStringYesThis is payment reference you provided in the script tag, if not provided we generate one for you
status_messageStringYessuccess- Indicate the payment was successful
status_codeNumberYes0 - Success Payment
  1. We'll send you a webhook if you provide data-callback_url
    "statusCode": 0,
    "statusMessage": "success",
    "paymentReference": "JHX-18743567",
    "amount": 1000,
    "currency": "NGN",
    "timeStamp": "2021-03-08T15:52:13.000Z",
    "description": "Payment successful",
    "customerEmail": "[email protected]",
    "customerPhoneNumber": "+2348063334156"
  1. We'll send you an email if you've enabled notification on your business account

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

  "status_code": 0,
  "status_message": "successful",
  "amount": 1000,
  "currency": "NGN"
status_codeStringMA status code of 0 indicating successful transaction
status_messageStringMA human-readable message describing the transaction result (success or fail)
chargeIdStringMThe unique reference number code provided with the request
amountNumberMamount charged
currrencuStringMNGN by default

What’s Next