Paga API
Payments · Banking & Fintech · Nigeria
Paga is one of Nigeria's oldest and largest mobile money platforms, founded in 2009 by Tayo Oviosu. Paga is operated by Pagatech Limited, a subsidiary of Paga Group Ltd (UK), and holds a CBN Mobile Money Operator license one of the most comprehensive payment licenses in Nigeria.
Paga API Highlights
Paga API is verified for developer integrations in Nigeria and across African markets, providing documented endpoints, sandbox testing, and developer support.
Custom HMAC headers: principal (public ID), credentials (password), and hash (SHA-512 of request params + secret key)
Not publicly specified
Nigeria
Ghana
KenyaPaga API is best for:
Nigerian businesses and aggregators that need to send money, pay bills, and top up airtime at scale particularly agents, agent banking software providers, enterprise HR platforms, and mobile money aggregators wanting programmatic access to Paga's 20M+ user network.
- P2P transfers, airtime/data purchases, and loading Paga account: free
- Paga to bank transfer:1.5% of transfer amount (card-funded)
- Minimum fee ₦10
- Custom enterprise pricing available for API partners
Paga API Core Features & Capabilities
Features Included
Not Supported
Required Access Documents for Paga API
- Paga Business AccountRequiredApply for a Paga Business account at business.mypaga.com. Paga reviews applications for API access.
- CAC Registration CertificateRequiredCertificate of Incorporation or Business Name Registration required for business account activation.
- Director BVN and Government IDRequiredRequired for CBN compliance during Paga business account KYC.
- Use Case DescriptionRequiredPaga requires a description of your intended API use case before granting API credentials.
Different Paga API use cases
- Bulk Salary and Commission Payments:Nigerian HR platforms and agent network operators can use the Paga Money Transfer API to disburse salaries or commissions to up to 300 Paga accounts or bank accounts in a single batch API call.
- Airtime and Data Reseller Platform:Nigerian airtime aggregators and VAS providers can use the Paga airtimePurchase API to programmatically buy airtime and data bundles for all major Nigerian networks (MTN, Airtel, Glo, 9mobile).
- Utility Bill Payment Integration:Nigerian fintech apps can embed the Paga Bill Payment API to let users pay EKEDC, IKEDC, DSTV, GOTV, and other utility bills directly from their app balance with Paga handling biller integration.
- Agent Banking Software:Software developers building agent banking solutions for POS agents in Nigeria can use the Paga Business API to process cash-in and cash-out transactions, bill payments, and money transfers through the Paga network.
- Payment Collection for Merchants:Nigerian merchants can use the Paga Collect API to request payments from customers' Paga wallets generating a unique payment request that customers can fulfill from the Paga app or USSD.