Documentation
API Reference
  1. API reference
  2. Bank USSD

2. Create a payment request

post
https://beta-collect.paga.com/paymentRequest#bank-ussd

Creates a payment request. The paymentMethods you send decide how your customer pays.

Hash: referenceNumber + amount + currency + payer.phoneNumber + payer.email + hashKey. Use an empty string for payer.email if you don’t send it.

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Body Params
string
required
length ≤ 50
Defaults to ORD-2026-0188

Your unique reference. Hash value 1.

number
required
Defaults to 2500

Amount to request, in naira. Hash value 2.

string
required
Defaults to NGN

Hash value 3.

payer
object
required
payee
object
required
string
Defaults to 2026-11-10T15:35:00

When the request expires, in UTC, up to one week ahead.

boolean
Defaults to false

true stops Paga emailing or texting your customer.

number
required
0 to 1
Defaults to 1

Share of the fee your customer pays.

number
required
0 to 1
Defaults to 0

Share of the fee you pay. Both shares must add up to 1.0.

boolean
Defaults to false
boolean
uri

Paga Wallet only. Where your customer returns after paying.

uri
required
Defaults to https://yourstore.com/webhooks/paga

Where Paga sends the callback.

string

Direct Debit only. Your ID for the mandate; you charge it with this once approved.

boolean
Defaults to true

Direct Debit only. Set to false to charge for more than 30 days.

string

USD collection only. Shown on the payment.

paymentMethods
array of strings
required
Defaults to FUNDING_USSD

Always ["FUNDING_USSD"] for this use case.

paymentMethods*
Allowed:
Headers
string
required
^[0-9a-f]{128}$
Defaults to cd51e28c9d942f1270fec045db3770f2933501bc3243a92b363485543d93c39d0b0b2cce8232c413841be6dcc549d23168814d540c1235a287f8a5010f8757e7

SHA-512 of this operation’s hash fields, in order, followed by your hash key, as lowercase hex. See the code samples, or check your value with the Hash generator. Pre-filled with the hash of this step’s example values using the placeholder key YOUR_HASH_KEY, so it shows the right format. Replace it with the hash of your own values and your own hash key.

Response

Updated 1 day ago

Language
Credentials
Basic
base64
:
URL
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Response
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application/json

Updated 1 day ago