Introduction
The guides earlier in these docs show you what to build. This section is the full technical reference for Paga’s three APIs: Collect, Business and Connect, with every operation, parameter, response and error code.
Which API do I need?
| You want to | Use | Start with |
|---|---|---|
| Collect payments by bank transfer, USSD, Paga Wallet or direct debit | Collect API | Accept payments |
| Give customers permanent account numbers, or hold their funds | Collect API | Subsidiary Accounts |
| Send money to banks or Paga wallets, buy airtime and data, or pay bills | Business API | Make payments |
| Charge a customer’s Paga wallet after they authorise your app | Connect API | Connect API |
Checkout runs on its own hosted page and has its own reference in Checkout.
The three APIs at a glance
Collect API
Payment requests, dynamic virtual accounts, Subsidiary Accounts, direct debit and refunds.
Authentication: HTTP Basic and a hash header
Business API
Money transfer, airtime and data, bill payment, balance and transaction history.
Authentication: principal and credentials headers and a hash
Connect API
Charge a customer’s Paga wallet, send money and read their details, once they’ve authorised your app.
Authentication: OAuth 2.0
Before you start
Get your API keys
Your public key, secret key and hash key are in the business portal. See Get your API keys.
Authenticate requests
Each API authenticates slightly differently. See Authentication.
Whitelist your servers
Every API only accepts requests from registered IP addresses. See IP whitelisting.
Handle errors safely
Look up every non-zero code before acting. See Error handling.
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Updated 5 days ago