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Paga Engine

Paga Engine is Paga’s payments infrastructure for businesses. With one integration, you can accept payments from your customers, send money out, hold and move funds on behalf of your users, and get paid by customers through the Paga app and Paga’s agent network.

What you can build

Accept payments

Let customers pay you by card, bank transfer, USSD, direct debit or Paga Wallet.

Explore collections →

Make payments

Send money to any bank account or Paga wallet, buy airtime and data, and pay bills.

Explore payouts →

Manage accounts for your users

Issue Paga accounts to your customers and hold and move money on their behalf.

Subsidiary Accounts →

Get paid through Paga’s network

List your business on the Paga app and agent network (web, POS and app), with real-time payment notifications.

Merchant Notification API →

Which collection method should I use?

One-off paymentsCheckout or a dynamic virtual accountAn order or an invoice.

Repeat customersSubsidiary AccountsWallet top-ups, savings, rent.

Recurring chargesDirect DebitSubscriptions, loan repayments.

Before you start

Every integration starts with a Paga Business account. Each environment needs its own account, and we recommend building in Sandbox first.

SandboxStart here

Use it to: Build and test
Money: Simulated
Approval: Email support, within 24 hours
Dashboard: beta-business.paga.com

LiveReal money

Use it to: Process real payments
Money: Real funds
Approval: KYC in the portal, within 2 working days
Dashboard: business.paga.com

Step 1: Create a Sandbox account

Go to the Sandbox registration page, enter your business details and submit the form.

Request approval

Your Sandbox account must be approved before you can use it. Email [email protected] with your account name and Sandbox account number, which you’ll find on your dashboard. Approval usually takes up to 24 hours.

To: [email protected]
Subject: Sandbox account approval request

Hello, please approve our Sandbox account.
Account name: [Your business name]
Account number: [Your Sandbox account number]

Get your keys and start testing

Once approved, get your Sandbox keys from Developer Tools → API Keys. Test with the Test Data page and Simulate Bank Transfers.

Paga Business dashboard showing the account name and account number

Step 2: Go live

Complete business verification (KYC)

The portal will prompt you after you register. See business verification requirements for the documents you’ll need. We review submissions within two working days and will follow up by email if we need more information.

Switch to live keys

Get your live keys from Developer Tools → API Keys and replace your Sandbox keys and base URLs.

🚧
Sandbox and Live keys are different
Keys from one environment won’t work in the other. Keep your secret key and hash key private, and never commit them to source control.

Need help? We’re here 24/7

Talk to our support team any time, or ask questions in the developer community.

Email support Join us on Slack