Paga Checkout

This is Paga's checkout experience;

You make a server call using payment request endpoint with Request_money payment method

We return a web-payment link. You will redirect your customer to the link to make payment.
Paga will then send you a callback with details of the payment.

Get all the needed information

See the complete request parameter here.

Arguments	Data Type	Description	Required
referenceNumber	String	A unique reference number representing this request. The same reference number will be returned in the response and can be used to query the payment request status	True
amount	Number	The amount being requested	True
currency	String	The currency of the operation, only required if being executed in a foreign currency.	True

Generate a payment link

<!-- npm install paga-collect  -->
const PagaCollectClient = require('paga-collect');

const pagaCollectClient = new PagaCollectClient()
                            .setClientId("<publicId>")
                            .setPassword("<secretkey>")
                            .setApiKey("<HMAC>")
                            .setTest(true)
                            .build();
let data = {
      "referenceNumber": "53yw19011000009112",
      "amount": 200,
      "callBackUrl": "http://localhost:5000/core/webhook/paga",
      "currency": "NGN",
      "expiryDateTimeUTC": "2021-05-20T19:35:47",
      "isAllowPartialPayments": false,
      "isSuppressMessages": false,
      "payee": {"bankAccountNumber": "XXXXXXXXXXX",
                "bankId": "XXXXXXX-XXXX-XXXX-XXXX-XXXXXXXXXX",
                "name": "John Doe",
              "accountNumber": "XXXXXXXXXX"},
      "payer": {"email": "[email protected]",
                "name": "Foo Bar", 
                "bankId": "XXXXXXX-XXXX-XXXX-XXXX-XXXXXXXXXX", 
                "phoneNumber": "XXXXXXXXXXX"},
      "payerCollectionFeeShare": 1.0,
      "recipientCollectionFeeShare": 0.0,
      "paymentMethods": ["BANK_TRANSFER", "FUNDING_USSD"]
      }

  pagaCollectClient.paymentRequest(data).then(resp => {
        console.log(JSON.stringify(resp))
    });

// Click here for installation https://developer-docs.paga.com/docs/java-library-4
Collect collect = new Collect.Builder()
        .setApiKey(hash_key)
        .setPrincipal(principal)
        .setCredential(credentials)
        .setTest(false)
        .build();

PaymentRequestRequest.Payer payer = new PaymentRequestRequest.Payer();
payer.setName("John Doe");
payer.setPhoneNumber("07033333333");
payer.setBankId("3E94C4BC-6F9A-442F-8F1A-8214478D5D86");
PaymentRequestRequest.Payee payee = new PaymentRequestRequest.Payee();
payee.setName("Mary Doe");
payee.setAccountNumber("1111111111");
payee.setBankId("3E94C4BC-6F9A-442F-8F1A-8214478D5D86");
payee.setBankAccountNumber("000000000");
payee.setFinancialIdentificationNumber("02222843212");

List<String> paymentMethods = new ArrayList<>();
paymentMethods.add("BANK_TRANSFER");
paymentMethods.add("FUNDING_USSD");

PaymentRequestResponse paymentRequestResponse = collect.paymentRequest(PaymentRequestRequest.builder()
        .referenceNumber("6020000011z10aab2")
        .amount("200")
        .currency("NGN")
        .payer(payer)
        .payee(payee)
        .expiryDateTimeUTC("2021-06-30T00:00:00")
        .isSuppressMessages(true)
        .isAllowPartialPayments(true)
        .payerCollectionFeeShare(0.5)
        .payeeCollectionFeeShare(0.5)
        .callBackUrl("http://localhost:9091/test-callback")
        .paymentMethods(paymentMethods)
        .build());

System.out.println(paymentRequestResponse.toString());

// Click here for installation details https://developer-docs.paga.com/v1.2/docs/php-collect-api

// 1-  composer require paga/paga-collect
                                
// 2- require_once __DIR__ .'/vendor/autoload.php;

use PagaCollect\PagaCollectClient;                                
$collectAPI = PagaCollectClient::builder()
    ->setClientId("<publicId>")
    ->setAPIKey("<HMAC>")
    ->setPassword("<secretKey>")
    ->setTest(true)
    ->build();

$data = ["referenceNumber" => "908w1111000001129",
    "amount" => 200,
    "callBackUrl" => "http://localhost:5000/core/webhook/paga",
    "currency" => "NGN",
    "expiryDateTimeUTC" => "2021-05-20T19:35:47",
    "isAllowPartialPayments" => false,
    "isSuppressMessages" => false,
    "payee" => ["bankAccountNumber"=>"2097582221",
              "bankId" => "40090E2F-7446-4217-9345-7BBAB7043C4C",
              "name" => "Odun Ransome",
              "phoneNumber" => "08034882885",
            "accountNumber" => "2856196652"],
    "payer" => ["email" => "[email protected]", 
                "name"=> "Zubair Abubakar", 
                "bankId"=> "40090E2F-7446-4217-9345-7BBAB7043C4C",
      ],
    "payerCollectionFeeShare"=> 1.0,
    "recipientCollectionFeeShare"=> 0.0,
    "paymentMethods"=> ["BANK_TRANSFER", "FUNDING_USSD"]
    ];

$paymentRequest = $collectAPI->paymentRequest($data);
echo $paymentRequest;

POST /paymentRequest HTTP/1.1
Host: collect.paga.com
hash:1f42eb2a076147063285d6321a969376472c2b2710220051c1736386ff01ea0f9c4ff8ddf43cd8e497327760a2faad9139a4a3af38a1e2c2f68b56851a5a99f1
Authorization: Basic e3t1c2VybmFtZX10Ont7cGnzc3dvcmR9fB==
Content-Type: application/json
Content-Length: 567

{
    "referenceNumber": "2460039579797",
    "amount": 50,
    "currency": "NGN",
    "payer": {
        "name": "Mustapha Rasheed",
        "phoneNumber": "07060823006"
 
    },
    "payee": {
        "name": "Rami Nigeria Limited"
    },
    "expiryDateTimeUTC": "2022-04-26T16:35:00",
    "isSuppressMessages": true,
    "payerCollectionFeeShare": 1,
    "payeeCollectionFeeShare": 0,
    "callBackUrl": "https://webhook.site/efda4728-139e-4efa-b5c3-d7fb24e28475?",
    "paymentMethods": [
        "REQUEST_MONEY"
    ]
}

Redirect the customer to the WebPaymentLink

You’ll redirect the customer to the generated weblink.

After Payment

POST /status HTTP/1.1
Host: collect.paga.com
hash: 1f42eb2a076147063285d6321a969376472c2b2710220051c1736386ff01ea0f9c4ff8ddf43cd8e497327760a2faad9139a4a3af38a1e2c2f68b56851a5a99f1

Authorization: Basic e3t1c7VybmFtZX19Ont7cGFzc3dvcmR9fb==
Content-Type: application/json
Content-Length: 51

{
    "referenceNumber": "23534646579650395979"
}

{
    "referenceNumber": "2460039509797",
    "statusCode": "0",
    "statusMessage": "success",
    "data": {
        "referenceNumber": "2460039509797",
        "statusCode": "0",
        "statusMessage": "success",
        "requestAmount": 50.0,
        "totalPaymentAmount": 50.41,
        "currency": "NGN",
        "paymentMethods": [
            {
                "name": "REQUEST_MONEY",
                "properties": {
                    "PaymentReference": "0be92b6b-b057-4652-a773-2fc4f886637c",
                    "WebPaymentLink": "https://justpaga.me/0be92b6b-b057-4652-a773-2fc4f886637c"
                }
            }
        ],
        "expiryDateTimeUTC": "2022-04-28T16:35:00",
        "isPayerPagaAccountHolder": true
    }
}

Check payment status

What if payment wasn’t made or completed

<p class="codepen" data-height="300" data-default-tab="html,result" data-slug-hash="bGayvya" data-user="raymonbell" style="height: 300px; box-sizing: border-box; display: flex; align-items: center; justify-content: center; border: 2px solid; margin: 1em 0; padding: 1em;">
  <span>See the Pen <a href="https://codepen.io/raymonbell/pen/bGayvya">
  Paga Checkout</a> by Ramon (<a href="https://codepen.io/raymonbell">@raymonbell</a>)
  on <a href="https://codepen.io">CodePen</a>.</span>
</p>
<script async src="https://cpwebassets.codepen.io/assets/embed/ei.js"></script>