Paga API vs eTranzact 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, eTranzact API is best for: Large Nigerian enterprises, banks, financial institutions, government agencies, and telcos that need a proven, publicly-listed payment infrastructure partner for bill payments, virtual accounts, instant transfers, e-invoicing, and wallet-as-a-service.. Your choice should align with whether your team prioritizes Paga API's developer ecosystem or eTranzact API's specific capability set.

Paga API provides a dedicated sandbox testing environment and has webhook status unverified. eTranzact 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.. eTranzact API pricing: Enterprise pricing not publicly listed. Contact eTranzact for integration and pricing. Listed company on the Nigerian Stock Exchange.. 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. eTranzact API uses API Key (from eTranzact developer portal) authentication with Not publicly specified.