Paga API vs Bloc API Comparison: Discover the best for Payment Gateways & Processors in Nigeria

Paga 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.. Meanwhile, Bloc API is best for: Nigerian developers and startups that want to embed banking features virtual accounts, transfers, bills payment into their apps using a fully CBN-licensed Nigerian BaaS that owns its own banking infrastructure via Banc Corp MFB.. Your choice should align with whether your team prioritizes Paga API's developer ecosystem or Bloc API's specific capability set.

Paga API provides a dedicated sandbox testing environment and has webhook status unverified. Bloc API offers sandbox testing and has webhook status unverified.

Paga API pricing: 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.. Bloc API pricing: Free to integrate. Bills Payment API pays commissions to developers per successful transaction. Virtual Accounts and Transfers pricing varies contact Bloc for enterprise rates. No upfront fees to start testing.. Both platforms offer tailored pricing structures for Nigerian transactions.

Paga API uses Custom HMAC headers: principal (public ID), credentials (password), and hash (SHA-512 of request params + secret key) authentication with Not publicly specified. Bloc API uses API Key (Secret Key from Bloc Dashboard) authentication with Not publicly specified contact Bloc for limits.