Overview
Keep track of your own money and your customers’ money in one place: your Paga business account, and the accounts you give your customers.
Which account do you need?
Your customers’ accounts vs your account
| Subsidiary Accounts | Your business account | |
|---|---|---|
| Whose money | Your customers’, held or routed by you | Yours: Paga’s account for your business |
| How many | As many as you need, one per customer | One |
| Account number | A permanent number for each customer | Your business’s own account number |
| What you can do | Create, update and disable accounts; check balances and history; charge, top up and transfer | Check your balance, transaction history and recent transactions; download statements |
| API | Collect API | Business API |
Checking a customer’s balance? accountBalance only ever returns your business account’s balance. For a customer’s balance, use Subsidiary Accounts’ Get the balance.
How they connect
Money paid into a customer’s account can stay there, or move on straight away. Either way, everything you pay out leaves from your business account.
Your customer pays
By bank or Paga transfer, into the permanent account number you gave them.
It arrives in their subsidiary account
A ledger-backed account holds the money until you charge or transfer it. A virtual account moves it on straight away.
It settles to your business account
Virtual accounts settle to your business account instantly, or to a bank account you choose.
You pay out from your business account
Money transfers, airtime, data and bill payments all leave from your business account.
See the three account types to choose how each customer’s money is handled.
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Talk to our support team any time, or ask questions in the developer community.
Updated about 6 hours ago