A Hosted Account is an account created by a Merchant for one of their end customers. The merchant remains the legal owner of the account, but it operates on behalf of the customer.

Documentation Index

Fetch the complete documentation index at: https://developer-docs.paga.com/llms.txt Use this file to discover all available pages before exploring further.

Hosted Account Operations

HTTP Basic Authentication

For the requests, you will need to supply authentication credentials, using the HTTP Basic authentication (HTTP basic authentication requires an encoded HTTP header). The authentication credentials are your public key and secret key. Almost all web frameworks will provide a mechanism for supplying HTTP basic authentication credentials per the standard HTTP basic authentication header. See the following articles below for more information

HTTP Basic Authentication (Wikipedia)
HTTP Authentication: Basic and Digest Access Authentication (Specification)

📘
Test Base URL: https://beta-collect.paga.com/
Live Base URL: https://collect.paga.com/

1. Create Hosted Account

This endpoint allows a Merchant to create a Hosted (Delegate) Account on behalf of a customer.

Request URL
https://collect.paga.com/hosted-accounts

Request Parameter

Parameter	Type	Description	Required?
referenceNumber	String	A unique reference number for this request. This same reference number will be returned in the response.	Yes
phoneNumber	String	The phone number of the customer. This must be provided if the email is not provided.	No
accountName	String	The account name of the customer.	Yes
firstName	String	The first name of the customer	Yes
lastName	String	The last name of the customer	Yes
iifiNumber	String	The customer's Bank verification Number (BVN)	No
email	String	The email of your customer. This must be provided if the phoneNumber is not provided.	No
accountReference	String	This is a unique reference number provided by the Organization which identifies the persistent payment identifier. It should have a minimum length of 12 characters and a maximum length of 30 characters	Yes
callbackUrl	String	A custom callback URL for the payment webhook notifications for this specific account to be sent to. If provided, requests are sent to this URL exactly as provided. This allows you to set custom query parameters to the URL which you will be provided during webhook notifications for this specific account.	No
fundingDailyLimit	Float	The maximum amount that can be transferred to the Hosted account generated in a day. If an amount greater than the limit is transferred in a day, such transaction will be declined automatically by the senders bank.
fundingTransactionLimit	Float	The maximum amount that can be transferred to the Hosted account generated. If an amount greater than the limit is transferred, such transaction will be declined automatically by the senders bank	No
autosweep.destination	String	Takes two values - "VIRTUAL_ACCOUNT" and "BANK	No
autosweep.bankPublicId	String	If included, this is the public Id of the bank that you want deposits to be transferred directly to for every payment. You can get bank IDs HERE	No
autosweep.accountNumber	String	This must be provided if creditBankId is included in the request payload. It is the bank account number of the bank that you want deposits to be transferred to. This must be a valid account number for the bank specified by creditBankId	No
status	String	Indicates if an account is frozen or not. ACTIVE - unfrozen, DISABLED -frozen. When status=ACTIVE, account can receive funds and all operations are allowed but when status=DISABLED, the account is unable to receive funds and other operations are not allowed on it. Default Value is active	No

Sample Request and Response

POST /hosted A HTTP/1.1
Content-Type: application/json
Accept: application/json
Authorization: "Basic QWxhZGRpbjpvcGVuIHNlc2FtZQ=="
hash: hashed with SHA-512 algorithm of the appended params containing(referenceNumber + accountReference + iifiNumber + autoSweep.bankPublicId + autoSweep.destination + autoSweep.accountNumber + callbackUrl + hashkey)

{
  "referenceNumber": "REF-100005550002",
  "callbackUrl": "https://example.com/webhook",
  "accountReference": "PAGA-255026-NO-AUTOSWEEP",
  "accountName": "Test Hosted Account",
  "phoneNumber": "08012345678",
  "firstName": "Test",
  "lastName": "Customer",
  "email": "[email protected]",
  "iifiNumber": "22222132329",
  "fundingTransactionLimit": 500000.00,
  "fundingDailyLimit": 2000000.00,
  "status": "ACTIVE",
   "autoSweep": {
    "destination": "BANK",
    "bankPublicId": "7131F94B-C0AC-43FB-BF6A-3407D27F1806",
    "accountNumber": "0073141524"
  }
}

{
    "referenceNumber": "REF-100220777702222222225550002",
    "statusCode": "0",
    "statusMessage": "success",
    "accountNumber": "0750529406",
    "accountReference": "PAGA-20002ww2026-NO-AUTOSWEEP",
    "status": "ACTIVE",
    "balance": 0.0,
    "currency": "NGN"
}

Response Parameter

Argument	Type	Description
referenceNumber	String	The reference number that was provided in the request
statusCode	String	The status of the operation. See Status Codes section for details
statusMessage	String	A human readable status message
accountNumber	String	The Hosted account number for your customer.
accountReference	String	This is a unique reference number provided by the Organization which identifies the persistent payment identifier. It should have a minimum length of 12 characters and a maximum length of 30 characters
status	String	Indicates if an account is frozen or not. ACTIVE - unfrozen, DISABLED -frozen. When status=ACTIVE, account can receive funds and all operations are allowed but when status=DISABLED, the account is unable to receive funds and other operations are not allowed on it. Default Value is active
balance	String	The hosted account balance
currency	String	The designated currency of the account- only NGN is currently supported.

2. Get Hosted Account

A method to query the properties associated with an existing Hosted Account.

Request URL
https://collect.paga.com/hosted-accounts/accountIdentifier?referenceNumber=REF-100220022252221hgdsahvfgahjdhjf

Parameter	Type	Description	Required(Yes/No)
referenceNumber	String	The unique reference number representing the update persistent payment identifier request.	Yes
accountIdentifier	String	The accountIdentifier can be either the NUBAN or the accountReference the customer provided when creating the account	Yes

Sample Request and Response

GET /hosted-accounts/accountIdentifier?referenceNumber=REF-100220022252221hgdsahvfgahjdhjf HTTP/1.1
Content-Type: application/json
Accept: application/json
Authorization: "Basic RkUxRjlCN0YtQkJDRS00NkEwLTk2ODUtMERDQUU5M0FDMjIyOlBhc3N3b3JkMQ=="
hash: hashed with SHA-512 algorithm of the appended params containing(referenceNumber + accountIdentifier+ hashkey)

{
    "referenceNumber": "REF-100220022252221hgdsahvfgahjdhjf",
    "statusCode": "0",
    "statusMessage": "success",
    "accountNumber": "3859568112",
    "accountReference": "PAGA-255222026-NO-AUTOSWEEP",
    "status": "ACTIVE",
    "balance": 0.0,
    "currency": "NGN",
    "accountName": "Adewale Merchant Bank",
    "phoneNumber": "08012345678",
    "firstName": "Adewale",
    "lastName": "Osobu",
    "email": "[email protected]",
    "iifiNumber": "22222132329",
    "fundingTransactionLimit": 500000.0,
    "fundingDailyLimit": 2000000.0,
    "callBackUrl": "https://example.com/webhook"
}

Parameter	Type	Description
referenceNumber	String	The same unique reference number provided in the request
statusCode	String	Status code of the response. 0 indicates a successful response
statusMessage	String	A human readable status message.
accountNumber	String	The Hosted account number for your customer.
accountReference	String	This is a unique reference number provided by the Organization which identifies the persistent account identifier. It should have a minimum length of 12 characters and a maximum length of 30 characters.
status	String	Indicates if an account is frozen or not. ACTIVE - unfrozen, DISABLED -frozen. When status=ACTIVE, account can receive funds and all operations are allowed but when status=DISABLED, the account is unable to receive funds and other operations are not allowed on it. Default Value is active
balance	String	The hosted account balance
currency	String	The designated currency of the account- only NGN is currently supported.
accountName	String	The account name of the customer.
phoneNumber	String	The phone number of the customer.
firstName	String	The firstName of the customer.
lastName	String	The lastName of the customer
email	String	The email of your customer. This must be provided if the phoneNumber is not provided.
iifiNumber	String	The customer's Bank verification Number (BVN)
fundingDailyLimit	Float	The maximum amount that can be transferred to the Hosted account generated in a day. If an amount greater than the limit is transferred in a day, such transaction will be declined automatically by the senders bank.
fundingTransactionLimit	Float	The maximum amount that can be transferred to the Hosted account generated. If an amount greater than the limit is transferred, such transaction will be declined automatically by the senders bank
callbackUrl	String	A custom callback URL for the payment webhook notifications for this specific account to be sent to.

3. Update Hosted Account

This endpoint allows for changing any of the Hosted Account properties except the accountNumber (NUBAN) and the accountReference properties which cannot be changed.
Parameters (account properties) other than referenceNumber and accountIdentifier are optional. Any property provided will be updated. Omitted properties will remain as they were.
The accountIdentifier can be either the NUBAN or the accountReference provided when creating the account.

Request URL
https://collect.paga.com/hosted-accounts/accountIdentifier

Request Parameter

Parameter	Type	Description	Required?
referenceNumber	String	A unique reference number for this request. This same reference number will be returned in the response.	Yes
phoneNumber	String	The phone number of the customer. This must be provided if the email is not provided.	No
accountName	String	The account name of the customer.	Yes
firstName	String	The first name of the customer	Yes
lastName	String	The last name of the customer	Yes
iifiNumber	String	The customer's Bank verification Number (BVN)	No
email	String	The email of your customer. This must be provided if the phoneNumber is not provided.	No
accountReference	String	This is a unique reference number provided by the Organization which identifies the persistent payment identifier. It should have a minimum length of 12 characters and a maximum length of 30 characters	Yes
callbackUrl	String	A custom callback URL for the payment webhook notifications for this specific account to be sent to. If provided, requests are sent to this URL exactly as provided. This allows you to set custom query parameters to the URL which you will be provided during webhook notifications for this specific account.	No
fundingDailyLimit	Float	The maximum amount that can be transferred to the Hosted account generated in a day. If an amount greater than the limit is transferred in a day, such transaction will be declined automatically by the senders bank.	No
fundingTransactionLimit	Float	The maximum amount that can be transferred to the Hosted account generated. If an amount greater than the limit is transferred, such transaction will be declined automatically by the senders bank	No
autosweep.destination	String	Takes two values - "VIRTUAL_ACCOUNT" and "BANK	No
autosweep.bankPublicId	String	If included, this is the public Id of the bank that you want deposits to be transferred directly to for every payment. You can get bank IDs HERE	No
autosweep.accountNumber	String	This must be provided if creditBankId is included in the request payload. It is the bank account number of the bank that you want deposits to be transferred to. This must be a valid account number for the bank specified by creditBankId	No
status	String	Indicates if an account is frozen or not. ACTIVE - unfrozen, DISABLED -frozen. When status=ACTIVE, account can receive funds and all operations are allowed but when status=DISABLED, the account is unable to receive funds and other operations are not allowed on it. Default Value is active	No

Sample Request and Response

PUT /hosted-accounts/accountIdentifier HTTP/1.1
Content-Type: application/json
Accept: application/json
Authorization: "Basic RkUxRjlCN0YtQkJDRS00NkEwLTk2ODUtMERDQUU5M0FDMjIyOlBhc3N3b3JkMQ=="
hash: hashed with SHA-512 algorithm of the appended params containing(referenceNumber + accountIdentifier + iifiNumber  + autoSweep.destination + autoSweep.bankPublicId + autoSweep.accountNumber + callbackUrl + hashkey)

{
  "referenceNumber": "REF-GET-20260413-002",
  "accountReference": "PAGA-255222026-NO-AUTOSWEEP",
  "accountName": "St Jones School",
  "phoneNumber": "08010000009",
  "firstName": "Segun",
  "lastName": "Ednut",
  "email": "[email protected]",
  "iifiNumber": "22222132325",
  "fundingTransactionLimit": 50000.0,
  "fundingDailyLimit": 200000.0,
  "callbackUrl": "https://webhook.site/d1210f15-894d-4b93-8b8c-d44f63f26ea3",
   "autoSweep": {
    "destination": "BANK",
    "bankPublicId": "7131F94B-C0AC-43FB-BF6A-3407D27F1806",
    "accountNumber": "0073141524"
  },
  "status": "ACTIVE"
}

{
    "referenceNumber": "REF-GET-20260413-002",
    "statusCode": "0",
    "statusMessage": "success",
    "accountNumber": "0750529406",
    "accountReference": "PAGA-20002ww2026-NO-AUTOSWEEP",
    "status": "ACTIVE",
    "balance": 194900.0,
    "currency": "NGN",
    "accountName": "St Jones School",
    "phoneNumber": "08010000009",
    "firstName": "Segun",
    "lastName": "Ednut",
    "email": "[email protected]",
    "iifiNumber": "22222132325",
    "fundingTransactionLimit": 50000.0,
    "fundingDailyLimit": 200000.0,
    "callBackUrl": "https://webhook.site/d1210f15-894d-4b93-8b8c-d44f63f26ea3"
}

Response Parameter

Parameter	Type	Description
referenceNumber	String	The same unique reference number provided in the request
statusCode	String	Status code of the response. 0 indicates a successful response
statusMessage	String	The status of the request, this should just be an acknowledgement that the request was received.
phoneNumber	String	The phone number of the customer. This must be provided if the email is not provided.
accountName	String	The account name of the customer.
firstName	String	The first name of the customer
lastName	String	The last name of the customer
iifiNumber	String	The customer's Bank verification Number (BVN)
email	String	The email of your customer. This must be provided if the phoneNumber is not provided.
accountReference	String	This is a unique reference number provided by the Organization which identifies the persistent payment identifier. It should have a minimum length of 12 characters and a maximum length of 30 characters
callbackUrl	String	A custom callback URL for the payment webhook notifications for this specific account to be sent to. If provided, requests are sent to this URL exactly as provided. This allows you to set custom query parameters to the URL which you will be provided during webhook notifications for this specific account.
fundingDailyLimit	Float	The maximum amount that can be transferred to the Hosted account generated in a day. If an amount greater than the limit is transferred in a day, such transaction will be declined automatically by the senders bank.
fundingTransactionLimit	Float	The maximum amount that can be transferred to the Hosted account generated. If an amount greater than the limit is transferred, such transaction will be declined automatically by the senders bank
status	String	Indicates if an account is frozen or not. ACTIVE - unfrozen, DISABLED -frozen. When status=ACTIVE, account can receive funds and all operations are allowed but when status=DISABLED, the account is unable to receive funds and other operations are not allowed on it. Default Value is active

4. Hosted Account Charge(Withdrawal)

This endpoint allows merchant to charge a Hosted account. That is move funds from the Hosted Account to the merchants Account on Paga.

Request URL
https://collect.paga.com/hosted-accounts/accountIdentifier/charge

Request Parameter

Argument	Type	Description	Required (Yes/No)
referenceNumber	String	The unique reference number representing the update persistent payment account request.	Yes
amount	String	The amount to be debited from the hosted account and moved to the merchant's position.	Yes
currency	String	The designated currency of the account- only NGN is currently supported.	Yes
narration	String	The description/remark attached to the transaction of the transaction.	No

Sample Request and Response

POST /hosted-accounts/accountIdentifier/charge HTTP/1.1
Content-Type: application/json
Accept: application/json
Authorization: "Basic RkUxRjlCN0YtQkJDRS00NkEwLTk2ODUtMERDQUU5M0FDMjIyOlBhc3N3b3JkMQ=="
hash: hashed with SHA-512 algorithm of the appended params containing(referenceNumber + amount + currency+ narration + hashkey)

{
  "referenceNumber": "REF-20260414-003232363636631",
  "amount": 1000.00,
  "currency": "NGN",
  "narration": "Hosted account Test charge"
}

{
    "referenceNumber": "REF-20260414-003232363636631",
    "statusCode": "0",
    "statusMessage": "success",
    "transactionId": "MPVAT-P_20260610214236118_4577638_JX438_qznml",
    "newBalance": 99000.0
}

Response Parameter

Parameter	Type	Description
referenceNumber	String	The same unique reference number provided in the request
statusCode	String	Status code of the response. 0 indicates a successful response
statusMessage	String	The status of the request, this should just be an acknowledgement that the request was received.
transactionId	String	The unique transaction ID used to process the transaction
newBalance	Float	The Hosted account balance after the charge/withdrawal

5. Hosted Account Top Up

This endpoint allows a merchant fund a Hosted Account by moving funds from the merchant's position into the Hosted Account.

Request URL
https://collect.paga.com/hosted-accounts/accountIdentifier/topup

Request Parameter

Argument	Type	Description	Required (Yes/No)
referenceNumber	String	The unique reference number representing the update persistent payment account request.	Yes
amount	String	The amount to be credited to the hosted account from the merchant's position.	Yes
currency	String	The designated currency of the account- only NGN is currently supported.	Yes
narration	String	The description/remark attached to the transaction of the transaction.	No

Sample Request and Response

POST /hosted-accounts/accountIdentifier/topup HTTP/1.1
Content-Type: application/json
Accept: application/json
Authorization: "Basic RkUxRjlCN0YtQkJDRS00NkEwLTk2ODUtMERDQUU5M0FDMjIyOlBhc3N3b3JkMQ=="
hash: hashed with SHA-512 algorithm of the appended params containing(referenceNumber + amount + currency+ narration + hashkey)

{
  "referenceNumber": "REF-20262636630414-001",
  "amount": 500.00,
  "currency": "NGN",
  "narration": "Hosted account top-up"
}

{
    "referenceNumber": "REF-20260414-003232363636631",
    "statusCode": "0",
    "statusMessage": "success",
    "transactionId": "MPVAT-P_20260610214236118_4577638_JX438_qznml",
    "newBalance": 99000.0
}

Response Parameter

Parameter	Type	Description
referenceNumber	String	The same unique reference number provided in the request
statusCode	String	Status code of the response. 0 indicates a successful response
statusMessage	String	The status of the request, this should just be an acknowledgement that the request was received.
transactionId	String	The unique transaction ID used to process the transaction
newBalance	Float	The Hosted account balance after topup is completed

6. Hosted Account Transfer

This endpoint allows for transfer/movement of funds from one Hosted account to the other.

Request URL
https://collect.paga.com/hosted-accounts/transfer

Request Parameter

Parameter	Type	Description	Required (Yes/No)
referenceNumber	String	The unique reference number representing the update persistent payment account request.	Yes
sourceAccountIdentifier	String	This is the accountIdentifier of the Sender's Hosted Account. The accountIdentifier can be either the NUBAN or the accountReference of the customer provided when creating the account.	Yes
destinationAccountIdentifier	String	This is the accountIdentifier of the Receiver's Hosted Account. The accountIdentifier can be either the NUBAN or the accountReference of the customer provided when creating the account.	Yes
amount	String	The amount to be credited to the hosted account from the merchant's position.	Yes
currency	String	The designated currency of the account- only NGN is currently supported.	Yes
narration	String	The description/remark attached to the transaction of the transaction.	No

Sample Request and Response

POST /hosted-accounts/transfer HTTP/1.1
Content-Type: application/json
Accept: application/json
Authorization: "Basic RkUxRjlCN0YtQkJDRS00NkEwLTk2ODUtMERDQUU5M0FDMjIyOlBhc3N3b3JkMQ=="
hash: hashed with SHA-512 algorithm of the appended params containing(referenceNumber + sourceAccountIdentifier + destinationAccountIdentifier + amount + currency + narration + hashkey)

{
  "referenceNumber": "REF-202160420-021212025555",
  "sourceAccountIdentifier": "0750529406",
  "destinationAccountIdentifier": "3859568112",
  "amount": 1500.00,
  "currency": "NGN",
  "narration": "Transfer between hosted accounts"
}

{
    "referenceNumber": "REF-202160420-021212025555",
    "statusCode": "0",
    "statusMessage": "success",
    "transactionId": "MPVAT-P_20260610230032541_4577650_SMQDM_qznml",
    "source": {
        "accountIdentifier": "0750529406",
        "amount": 1500.0,
        "newBalance": 96500.0
    },
    "destination": {
        "accountIdentifier": "3859568112",
        "amount": 1500.0,
        "newBalance": 3000.0
    }
}

Response Parameter

Parameter	Type	Description
referenceNumber	String	The same unique reference number provided in the request
statusCode	String	Status code of the response. 0 indicates a successful response
statusMessage	String	The status of the request, this should just be an acknowledgement that the request was received.
transactionId	String	The unique transaction ID used to process the transaction
source.accountIdentifier	String	This is the accountIdentifier of the Sender's Hosted Account. The accountIdentifier can be either the NUBAN or the accountReference of the customer provided when creating the account.
source.amount	String	The amount to be debited from the sender's Hosted Account.
source.newBalance	Float	The sender's Hosted account balance after the sender's account has been debited.
destination.accountIdentifier	String	This is the accountIdentifier of the Receiver's Hosted Account. The accountIdentifier can be either the NUBAN or the accountReference of the customer provided when creating the account.
destination.amount	String	The amount to be credited to the receiver's Hosted Account.
destination.newBalance	Float	The receiver's Hosted account balance after the receiver's account has been credited.

7. Hosted Account Balance

This endpoint allows you retrieve the balance on a hosted account.

Request URL
https://collect.paga.com/hosted-accounts/accountIdentifier/balance?referenceNumber=REF-100220022252221hgdsahvfgahjdhjf

Request Parameter

Argument	Type	Description	Required (Yes/No)
referenceNumber	String	The unique reference number representing the update persistent payment account request.	Yes
accountIdentifier	String	The accountIdentifier can be either the NUBAN or the accountReference that was provided when creating the persistent payment account	Yes

Sample Request and Response

POST /hosted-accounts/accountIdentifier/balance?referenceNumber=REF-100220022252221hgdsahvfgahjdhjf HTTP/1.1
Content-Type: application/json
Accept: application/json
Authorization: "Basic RkUxRjlCN0YtQkJDRS00NkEwLTk2ODUtMERDQUU5M0FDMjIyOlBhc3N3b3JkMQ=="
hash: hashed with SHA-512 algorithm of the appended params containing(referenceNumber + accountIdentifier + hashkey)

{
    "referenceNumber": "REF-BAL-12322456",
    "statusCode": "0",
    "statusMessage": "success",
    "accountNumber": "0750529406",
    "accountReference": "0750529406",
    "balance": 98000.0,
    "currency": "NGN",
    "timeStamp": "2026-06-10T22:50:16"
}

Response Parameter

Argument	Type	Description
referenceNumber	String	The same unique reference number provided in the request
statusCode	String	Status code of the response. 0 indicates a successful response
statusMessage	String	The status of the request, this should just be an acknowledgement that the request was received.
accountNumber	String	The Hosted account number for your customer.
accountReference	String	This is a unique reference number provided by the Organization which identifies the persistent account identifier. It should have a minimum length of 12 characters and a maximum length of 30 characters.
balance	Float	The receiver's Hosted account balance after the receiver's account has been credited.
currency	String	The designated currency of the account- only NGN is currently supported.
timeStamp	String	Timestamp in UTC indicating when the payment request action was performed

8. Hosted Account History

Get history of all activities for a period between to give start and end dates. The period window should not exceed 1 month.

Request URL
https://collect.paga.com/hosted-accounts/accountIdentifier/history?startDateTimeUTC=2026-06-08T00:00:00&endDateTimeUTC=2026-06-11T23:59:59&pageSize=20&pageNumber=0

Request Parameter

Argument	Type	Description	Required (Yes/No)
pageSize	Integer	Number of records per Paga	No
pageNumber	Integer	The Page Number to be displayed	No
accountIdentifier	String	The accountIdentifier can be either the NUBAN or the accountReference that was provided when creating the persistent payment account	Yes
startDateTimeUTC	String	A timestamp representing the start of the transaction history request. Range must be less than or equal to 3 months	Yes
endDateTimeUTC	String	A timestamp representing the end of the transaction history request. Range must be less than or equal to 3 months	Yes

Sample Request and Response

POST /hosted-accounts/accountIdentifier/history?startDateTimeUTC=2026-06-08T00:00:00&endDateTimeUTC=2026-06-11T23:59:59&pageSize=20&pageNumber=0 HTTP/1.1
Content-Type: application/json
Accept: application/json
Authorization: "Basic QWxhZGRpbjpvcGVuIHNlc2FtZQ=="
hash: hashed with SHA-512 algorithm of the appended params containing(accountIdentifier + startDateTime + endDateTime + hashkey)

{
  "referenceNumber" : "12345",
  "startDateTimeUTC" : "2021-01-13T19:15:22",
  "endDateTimeUTC" : "2021-04-13T19:15:22"
}

{
    "referenceNumber": "9e339a1f-9ba3-4036-8756-cba6279f5ec1",
    "statusCode": "0",
    "statusMessage": "success",
    "itemCount": 11,
    "totalItems": 11,
    "totalPages": 1,
    "currentPage": 0,
    "transactions": [
        {
            "transactionType": "CREDIT",
            "amount": 1500.00,
            "transactionDate": "2026-06-11T10:22:16.920",
            "status": "SUCCESSFUL"
        },
        {
            "transactionType": "CREDIT",
            "amount": 900.00,
            "transactionDate": "2026-06-11T10:15:29.337",
            "status": "SUCCESSFUL"
        },
        {
            "transactionType": "CREDIT",
            "amount": 1000.00,
            "transactionDate": "2026-06-11T09:25:46.167",
            "status": "SUCCESSFUL"
        },
        {
            "transactionType": "CREDIT",
            "amount": 100000.00,
            "transactionDate": "2026-06-11T09:13:57.860",
            "status": "SUCCESSFUL"
        },
        {
            "transactionType": "CREDIT",
            "amount": 100000.00,
            "transactionDate": "2026-06-11T09:13:57.860",
            "status": "SUCCESSFUL"
        },
        {
            "transactionType": "CREDIT",
            "amount": 1500.00,
            "transactionDate": "2026-06-10T23:00:32.540",
            "status": "SUCCESSFUL"
        },
        {
            "transactionType": "CREDIT",
            "amount": 1500.00,
            "transactionDate": "2026-06-10T22:33:41.143",
            "status": "SUCCESSFUL"
        },
        {
            "transactionType": "CREDIT",
            "amount": 500.00,
            "transactionDate": "2026-06-10T22:11:00.227",
            "status": "SUCCESSFUL"
        },
        {
            "transactionType": "CREDIT",
            "amount": 1000.00,
            "transactionDate": "2026-06-10T21:42:36.117",
            "status": "SUCCESSFUL"
        },
        {
            "transactionType": "CREDIT",
            "amount": 100000.00,
            "transactionDate": "2026-06-10T21:41:43.287",
            "status": "SUCCESSFUL"
        },
        {
            "transactionType": "CREDIT",
            "amount": 100000.00,
            "transactionDate": "2026-06-10T21:41:43.287",
            "status": "SUCCESSFUL"
        }
    ]
}

Response Parameter

Parameter	Type	Description
statusCode	String	The status of the operation. See Status Codes section for details
statusMessage	String	A human readable status message
itemCount	Integer	The number of actions carried out within in the specified start and end date
totalItems	Integer	The number of records returned
totalPages	Integer	The number of pages returned.
currentPage	Integer	The Page number being displayed
transactions	Array	An array representing all actions carried out within the time window
transactions[].transactionType	String	This indicates if the transaction is a "CREDIT" or "DEBIT" transaction.
transactions[].amount	Double	The amount requested or paid depending of the action carried out.
transactions[].datetimeUTC	String	Timestamp in UTC indicating when the transaction was performed
transactions.[].status	String	Status of the action performed. See documentation on different statuses

Callback Sample

9.Hosted Account Funding Notification

This allows Paga to send to you deposit notifications that occur on a particular account. Execution of this service should trigger payment logic in your system and provide a response including success/fail result to Paga system.

📘
Please take note
The callback notification includes a hash parameter that is hashed using the pre-shared hash-key, so by verifying the hash, you can authenticate that the request came from us (as well as authenticating that the hashed parameters haven’t been tampered with).

Parameter	Type	Description
statusCode	Number	Status code of the response. 0 indicates a successful response
statusMessage	String	Human-readable description about of response. 'Success' for a successful response
transactionReference	String	The referenceNumber of the transaction
fundingTransactionReference	String	This represents the unique reference number of a transaction associated with funding a Hosted Account.
fundingPaymentReference	String	The payment reference from the original transfer/payment into the Hosted Account.
accountNumber	String	The Hosted account number for your customer.
accountName	String	The name of the customer that made the transaction
financialIdentificationNumber	String	The customer's Bank verification Number (BVN)
amount	String	The total amount of the transaction
clearingFeeAmount	String	The fee for receiving a payment into a Hosted Account.
payerDetails.paymentReferenceNumber	String	This represents the unique reference number of a transaction associated with funding a Hosted Account.
payerDetails.narration	String	Description provided when funding the account
payerDetails.paymentMethod	String	This represents the payment method used to fund the Hosted account.
payerDetails.payerName	String	This represents the name of the payer funding the Hosted account.
payerDetails.payerBankName	String	This represents the bank name of the payer funding the persistent payment account for payments done via bank transfer.
payerDetails.payerBankAccountNumber	String	This represents the bank account number of the payer funding the Hosted account for payments done via bank transfer.
narration	String	Description provided when funding the account
hash	String	The hash is formed as the SHA-512 hash consisting of the following parameters: (externalReferenceNumber + transactionReference+ transactionDate + amount + accountNumber + hashKey)
transactionDate	String	Timestamp in UTC indicating when the Transaction was performed

Sample Request and Response

{
  "statusCode": "0",
  "statusMessage": "success",
  "transactionReference": null,
  "fundingTransactionReference": "DFB-U_20260611091357861_4577679_9T94G_qznml",
  "fundingPaymentReference": "IE51X91580508200876009",
  "accountNumber": "0750529406",
  "accountName": "Adewale Merchant Bank",
  "financialIdentificationNumber": "22222132329",
  "amount": 100000,
  "clearingFeeAmount": null,
  "payerDetails": {
    "paymentReferenceNumber": "IE51X91580508200876009",
    "narration": "Checkout Test",
    "paymentMethod": "BANK_TRANSFER",
    "payerName": null,
    "payerBankName": "Access Bank",
    "payerBankAccountNumber": null
  },
  "narration": "Checkout Test",
  "hash": "4ae886566c6552b970a316479b0f378f910b8ade59832b17be004a4e49a90ce721cfe83e5f6acd96194c2d02f7e9457552af7e8bb3450f58fe3c1d0de0b249e2",
  "transactionDate": "2026-06-11T08:13:57.86"
}

{
		"status":"SUCCESS",
}

**Response

Parameter	Type	Description
status	String	The status of the request, this should just be an acknowledgement that the request was received.

10.Hosted Account Charge Notification

This notification is sent when a charge transaction occurs on the Hosted account.

📘
Please take note
The callback notification includes a hash parameter that is hashed using the pre-shared hash-key, so by verifying the hash, you can authenticate that the request came from us (as well as authenticating that the hashed parameters haven’t been tampered with).

Parameter	Type	Description
event	String	This indicates the type of notification being sent
notification_id	String	This is a unique identifier for each notification request sent.
statusCode	Number	Status code of the response. 0 indicates a successful response
statusMessage	String	Human-readable description about of response. 'Success' for a successful response
externalReferenceNumber	String	The referenceNumber of the transaction
transactionType	String	This indicates if the transaction is a "CREDIT" or "DEBIT" transaction.
transactionDate	String	Timestamp in UTC indicating when the Transaction was performed
accountReference	String	This is a unique reference number provided by the Organization which identifies the persistent account identifier. It should have a minimum length of 12 characters and a maximum length of 30 characters.
totalDebitAmount	Float	The total amount debited from the Hosted Account. totalDebitAmount = amount + Fee
fee	String	The fee for processing the charge request
amount	String	The total amount credited to the merchant.
accountNumber	String	The Hosted Account Number for your customer.
hash	String	The hash is formed as the SHA-512 hash consisting of the following parameters: (externalReferenceNumber + transactionReference+ transactionDate + amount + accountNumber + hashKey)

Sample Request and Response

{
  "event": "HOSTED_ACCOUNT_CHARGE_COMPLETE",
  "notificationId": "57c5a081-b609-4d2c-88d6-0af16b4b8a72",
  "statusCode": "0",
  "statusMessage": "SUCCESS",
  "externalReferenceNumber": "REF-20260414-02203232363636631",
  "transactionType": "DEBIT",
  "transactionDate": "2026-06-11 09:25:46.167",
  "accountReference": "0750529406",
  "totalDebitAmount": 1000,
  "fee": 0,
  "amount": 1000,
  "accountNumber": "0750529406",
  "hash": "7f447d9fce0ae0350d4810a32da0c957152f9ca8990607167a2ed5aea5b6bbc1fc2b383a62ed95b2072c3078b82fe684742cc7f890d6635ecdca59b7b0337a46"
}

{
		"status":"SUCCESS",
}

Response Parameter

Parameter	Type	Description
status	String	The status of the request, this should just be an acknowledgement that the request was received.

11.Hosted Account Top Up Notification

This notification is sent when top up transaction occurs on the Hosted account.

📘
Please take note
The callback notification includes a hash parameter that is hashed using the pre-shared hash-key, so by verifying the hash, you can authenticate that the request came from us (as well as authenticating that the hashed parameters haven’t been tampered with).

Parameter	Type	Description
event	String	This indicates the type of notification being sent
notification_id	String	This is a unique identifier for each notification request sent.
statusCode	Number	Status code of the response. 0 indicates a successful response
statusMessage	String	Human-readable description about of response. 'Success' for a successful response
externalReferenceNumber	String	The referenceNumber of the transaction
transactionType	String	This indicates if the transaction is a "CREDIT" or "DEBIT" transaction.
transactionDate	String	Timestamp in UTC indicating when the Transaction was performed
accountReference	String	This is a unique reference number provided by the Organization which identifies the persistent account identifier. It should have a minimum length of 12 characters and a maximum length of 30 characters.
totalDebitAmount	Float	The total amount from the merchant's position. totalDebitAmount = amount + Fee
fee	String	The fee for processing the top up request
amount	String	The total amount credited into the hosted account.
accountNumber	String	The Hosted Account Number for your customer.
hash	String	The hash is formed as the SHA-512 hash consisting of the following parameters: (externalReferenceNumber + transactionReference+ transactionDate + amount + accountNumber + hashKey)

Sample Request and Response

{
  "event": "HOSTED_ACCOUNT_TOP_UP_COMPLETE",
  "notificationId": "fe2b8d29-9cc2-47ee-8a83-8be601633b74",
  "statusCode": "0",
  "statusMessage": "SUCCESS",
  "externalReferenceNumber": "REF-2026263663220414-001",
  "transactionType": "CREDIT",
  "transactionDate": "2026-06-11 10:15:29.337",
  "accountReference": "0750529406",
  "totalDebitAmount": 900,
  "fee": 0,
  "amount": 900,
  "accountNumber": "0750529406",
  "hash": "41217fb2081f137f6390c8971e5e6d5c4f6ccb744978780e1b39a04d3bc4b85c4ec1d1962298e6f99dd6991436d8322f39823c985a19c0a81ef3023525b98735"
}

{
		"status":"SUCCESS",
}

Response Parameter

Parameter	Type	Description
status	String	The status of the request, this should just be an acknowledgement that the request was received.

12. Callback Hash Verification

📘
All the callbacks includes a hash to verify the authenticity of the request:
hash: A SHA-512 HMAC signature of the request payload, computed by concatenating the values of the following fields: externalReferenceNumber, transactionReference, transactionDate, amount, accountNumber.
Verification Steps:

Extract the values of transactionReference, accountNumber, and amount from the incoming payload.

Append the pre-shared hashKey as the final value.

Concatenate the values as a single string - (externalReferenceNumber + transactionReference+ transactionDate + amount + accountNumber + hashKey)

Compute a SHA-512 hash of the concatenated string - SHA512(externalReferenceNumber + transactionReference+ transactionDate + amount + accountNumber + hashKey)

Compare the result against the value of hash in the request payload received. If they match, the request is authentic.