Experience seamless payments with the Paga Checkout gateway! Create a hassle-free HTML payment form, where customers simply click to submit and gain instant access to an integrated checkout gateway. We help your customers complete the payment process and smoothly return them to your platform for more exciting 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

• Add an HTML form tag containing the script below to render a "Make Payment" button on your website
• When the button is clicked, the checkout widget will be loaded within an iFrame
• When payment is completed, the customer is redirected back to your success/failure page.

📘

Base URL

Live environment - https://checkout.paga.com/?

Test Environment - https://beta-checkout.paga.com/?

Each of the widget parameters is explained in the table below

<form method="POST">
  <script 
          src="https://checkout.paga.com/checkout/?w=150&h=40"
          data-public_key="23A3E317-7382-4032-94DE-50BA4B653EE5"
          data-amount="1000.00"
          data-currency="NGN"
          data-payment_reference="JHX-18743567"
          data-charge_url="https://mymarket/payment/complete"
          data-phone_number="+2348063334156"
          data-email="[email protected]"
          data-display_image="https://www.mypaga.com/paga-business/loginSuccess.paga#"
          data-button_label="Make Payment"
          data-width="200"
          data-callback_url="https://webhook.site/e86958dc-f24f-49a1-aedb-f7521fb44587"
          data-funding_sources="CARD,PAGA,TRANSFER,AGENT,USSD" >
  </script>
</form>

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

https://neutral.site/payment/confirmation?charge_reference=JHX-7045679&status_message=success&status_code=0

2. We'll send you a webhook if you provide data-callback_url

{
  "statusCode": "0",
  "statusMessage": "success",
  "paymentReference": "Paga_Auto_Ref_20250826_132929_yjmb",
  "amount": "10.00",
  "currency": "NGN",
  "timeStamp": "2025-08-26T13:36:04",
  "description": null,
  "customerEmail": "[email protected]",
  "customerPhoneNumber": "+2348063334156",
  "hash": "39453c520890841fe3a837701e60b7dba3f8d737696d8fa5a39e8566b9f96948eaac792e7c03783e67033c37bf6d123e1ff181f015e729e1bcfa70bd8a16ae97"
}

3. We'll send you an email if you've enabled notification on your business account

Checkout Callback Notifications

When a customer completes a checkout via Paga, we send a callback notification to the merchant's configured endpoint. This callback contains details of the payment made and is intended to trigger payment processing logic on your system, such as updating an order or granting access.

📘

Important Security Note

The callback includes a hash field that your system can use to verify the authenticity and integrity of the request. The hash is computed using the SHA512 algorithm on the HMAC and the parameters marked with a HashIndex in the table below. The numbers in the HashIndex indicate the order (1 to 3) in which the parameters should be concatenated before hashing.You should always validate the hash before processing or trusting the callback data by comparing the generated hash with the hash in the body of the callback.

Callback Payload Structure

Sample Callback Payload

 {
  "statusCode": "0",
  "statusMessage": "success",
  "paymentReference": "Paga_Auto_Ref_20250826_132929_yjmb",
  "amount": "10.00",
  "currency": "NGN",
  "timeStamp": "2025-08-26T13:36:04",
  "description": null,
  "customerEmail": "[email protected]",
  "customerPhoneNumber": "+2348063334156",
  "hash": "39453c520890841fe3a837701e60b7dba3f8d737696d8fa5a39e8566b9f96948eaac792e7c03783e67033c37bf6d123e1ff181f015e729e1bcfa70bd8a16ae97"
}

Computing The Hash

To compute the hash, use the parameters marked by the Hash Index in the table above, or construct the string in the following format and apply the SHA512 algorithm:

SHA512(amount + timeStamp + paymentReference + HMAC)

• The amount must always be in decimal format as returned in the callback notification, e.g., 50.00, 50.75, 500.00
• There must be no spaces in the concatenation

Steps to Obtain Your HMAC Key:

1. Log in to the Old Portal
2. Navigate to Manage Account
3. Click on Manage API Keys
4. Locate and copy the HMAC Key from the section displayed

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.

https://checkout.paga.com/checkout/transaction/verify

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

{
  paymentReference:"JHX-18743567",
  publicKey:"40090E2F-7446-4217-9345-7BBAB7043C4C",
  amount:1000,
  currency:"NGN"
}

{
  "status_code": 0,
  "status_message": "successful",
  "chargeId":"",
  "amount": 1000,
  "currency": "NGN"
}