Paga · Agentic Access

Paga Agentic Access

x-agentic-access generated

Paga exposes 23 API operations that an AI agent could call, of which 17 are state-changing ‘acting’ operations. This is a recommended x-agentic-access execution contract — the scope, audience, consequence tier, short-lived token constraints, and escalation each action should carry before it is handed to an autonomous agent.

By consequence: 6 read, 3 write, 13 physical, and 1 safety-critical.

1 operation are classed safety-critical and should require human-in-the-loop approval at runtime.

Contracts are classified heuristically from the provider’s OpenAPI and refresh on every APIs.io network build; audience is bound per deployment. The model follows Curity’s Access Intelligence (apidays Munich 2026). Browse every provider’s agent contracts at agentic-access.apis.io.

PaymentsMobile MoneyFintechCollectionNigeria

Operations: 23 Acting: 17 Human-in-the-loop: 1 Method: generated

By consequence

read 6 write 3 physical 13 safety-critical 1

Highest-consequence actions

The physical and safety-critical operations an agent could invoke — the ones that most warrant scoped tokens, tight TTLs, and escalation. Full per-operation contracts are in the source below.

Method	Path	Consequence	Human-in-loop
POST	/disableMandate	safety-critical	required
POST	/chargeDebitMandate	physical	conditional
POST	/deletePersistentPaymentAccount	physical	conditional
POST	/getChargeMandateStatus	physical	conditional
POST	/paga-webservices/business-rest/secured/airtimePurchase	physical	conditional
POST	/paga-webservices/business-rest/secured/depositToBank	physical	conditional
POST	/paga-webservices/business-rest/secured/merchantPayment	physical	conditional
POST	/paga-webservices/business-rest/secured/moneyTransfer	physical	conditional
POST	/paga-webservices/business-rest/secured/validateDepositToBank	physical	conditional
POST	/paymentRequest	physical	conditional
POST	/refund/v2	physical	conditional
POST	/registerPersistentPaymentAccount	physical	conditional
POST	/status	physical	conditional
POST	/updatePersistentPaymentAccount	physical	conditional

Source

Agentic Access

generated: '2026-09-23'
method: generated
source: openapi/paga-business-api-openapi.yml, openapi/paga-collect-api-openapi.yml, openapi/paga-direct-debit-api-openapi.yml,
  openapi/paga-reference-api-openapi.yml
description: Recommended x-agentic-access execution contracts, classified heuristically from
  the OpenAPI. A governance starting point for exposing this API to AI agents — review and bind
  audience per deployment. See research/curity/agentic-governance/.
summary:
  operations: 23
  by_action_class:
    acting: 17
    connected: 6
  by_consequence:
    physical: 13
    write: 3
    read: 6
    safety-critical: 1
  human_in_the_loop_required: 1
operations:
- path: /paga-webservices/business-rest/secured/moneyTransfer
  method: post
  operationId: moneyTransfer
  x-agentic-access:
    action-class: acting
    consequence: physical
    subject: required
    audience: null
    token:
      max-ttl: 300
      exchange: true
      purpose-required: true
    escalation:
      human-in-the-loop: conditional
      triggers:
      - abnormal
      - high-value
    audit: required
- path: /paga-webservices/business-rest/secured/airtimePurchase
  method: post
  operationId: airtimePurchase
  x-agentic-access:
    action-class: acting
    consequence: physical
    subject: required
    audience: null
    token:
      max-ttl: 300
      exchange: true
      purpose-required: true
    escalation:
      human-in-the-loop: conditional
      triggers:
      - abnormal
      - high-value
    audit: required
- path: /paga-webservices/business-rest/secured/merchantPayment
  method: post
  operationId: merchantPayment
  x-agentic-access:
    action-class: acting
    consequence: physical
    subject: required
    audience: null
    token:
      max-ttl: 300
      exchange: true
      purpose-required: true
    escalation:
      human-in-the-loop: conditional
      triggers:
      - abnormal
      - high-value
    audit: required
- path: /paga-webservices/business-rest/secured/depositToBank
  method: post
  operationId: depositToBank
  x-agentic-access:
    action-class: acting
    consequence: physical
    subject: required
    audience: null
    token:
      max-ttl: 300
      exchange: true
      purpose-required: true
    escalation:
      human-in-the-loop: conditional
      triggers:
      - abnormal
      - high-value
    audit: required
- path: /paga-webservices/business-rest/secured/validateDepositToBank
  method: post
  operationId: validateDepositToBank
  x-agentic-access:
    action-class: acting
    consequence: physical
    subject: required
    audience: null
    token:
      max-ttl: 300
      exchange: true
      purpose-required: true
    escalation:
      human-in-the-loop: conditional
      triggers:
      - abnormal
      - high-value
    audit: required
- path: /paga-webservices/business-rest/secured/accountBalance
  method: post
  operationId: accountBalance
  x-agentic-access:
    action-class: acting
    consequence: write
    subject: required
    audience: null
    token:
      max-ttl: 900
    escalation:
      human-in-the-loop: conditional
      triggers:
      - abnormal
      - high-value
    audit: required
- path: /paga-webservices/business-rest/secured/transactionHistory
  method: post
  operationId: transactionHistory
  x-agentic-access:
    action-class: acting
    consequence: write
    subject: required
    audience: null
    token:
      max-ttl: 900
    escalation:
      human-in-the-loop: conditional
      triggers:
      - abnormal
      - high-value
    audit: required
- path: /paga-webservices/business-rest/secured/registerCustomer
  method: post
  operationId: registerCustomer
  x-agentic-access:
    action-class: acting
    consequence: write
    subject: required
    audience: null
    token:
      max-ttl: 900
    escalation:
      human-in-the-loop: conditional
      triggers:
      - abnormal
      - high-value
    audit: required
- path: /paymentRequest
  method: post
  operationId: requestPayment
  x-agentic-access:
    action-class: acting
    consequence: physical
    subject: required
    audience: null
    token:
      max-ttl: 300
      exchange: true
      purpose-required: true
    escalation:
      human-in-the-loop: conditional
      triggers:
      - abnormal
      - high-value
    audit: required
- path: /status
  method: post
  operationId: checkStatus
  x-agentic-access:
    action-class: acting
    consequence: physical
    subject: required
    audience: null
    token:
      max-ttl: 300
      exchange: true
      purpose-required: true
    escalation:
      human-in-the-loop: conditional
      triggers:
      - abnormal
      - high-value
    audit: required
- path: /refund/v2
  method: post
  operationId: refundPaymentV2
  x-agentic-access:
    action-class: acting
    consequence: physical
    subject: required
    audience: null
    token:
      max-ttl: 300
      exchange: true
      purpose-required: true
    escalation:
      human-in-the-loop: conditional
      triggers:
      - abnormal
      - high-value
    audit: required
- path: /history
  method: post
  operationId: retrieveHistory
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /registerPersistentPaymentAccount
  method: post
  operationId: registerPersistentPaymentAccount
  x-agentic-access:
    action-class: acting
    consequence: physical
    subject: required
    audience: null
    token:
      max-ttl: 300
      exchange: true
      purpose-required: true
    escalation:
      human-in-the-loop: conditional
      triggers:
      - abnormal
      - high-value
    audit: required
- path: /getPersistentPaymentAccount
  method: post
  operationId: getPersistentPaymentAccount
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /updatePersistentPaymentAccount
  method: post
  operationId: updatePersistentPaymentAccount
  x-agentic-access:
    action-class: acting
    consequence: physical
    subject: required
    audience: null
    token:
      max-ttl: 300
      exchange: true
      purpose-required: true
    escalation:
      human-in-the-loop: conditional
      triggers:
      - abnormal
      - high-value
    audit: required
- path: /deletePersistentPaymentAccount
  method: post
  operationId: deletePersistentPaymentAccount
  x-agentic-access:
    action-class: acting
    consequence: physical
    subject: required
    audience: null
    token:
      max-ttl: 300
      exchange: true
      purpose-required: true
    escalation:
      human-in-the-loop: conditional
      triggers:
      - abnormal
      - high-value
    audit: required
- path: /chargeDebitMandate
  method: post
  operationId: chargeDebitMandate
  x-agentic-access:
    action-class: acting
    consequence: physical
    subject: required
    audience: null
    token:
      max-ttl: 300
      exchange: true
      purpose-required: true
    escalation:
      human-in-the-loop: conditional
      triggers:
      - abnormal
      - high-value
    audit: required
- path: /getChargeMandateStatus
  method: post
  operationId: getChargeMandateStatus
  x-agentic-access:
    action-class: acting
    consequence: physical
    subject: required
    audience: null
    token:
      max-ttl: 300
      exchange: true
      purpose-required: true
    escalation:
      human-in-the-loop: conditional
      triggers:
      - abnormal
      - high-value
    audit: required
- path: /disableMandate
  method: post
  operationId: disableMandate
  x-agentic-access:
    action-class: acting
    consequence: safety-critical
    subject: required
    audience: null
    token:
      max-ttl: 120
      exchange: true
      purpose-required: true
      proof-of-possession: true
    escalation:
      human-in-the-loop: required
    audit: required
- path: /banks
  method: post
  operationId: getCollectBanks
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /paga-webservices/business-rest/secured/getBanks
  method: post
  operationId: getBusinessBanks
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /paga-webservices/business-rest/secured/getMobileOperators
  method: post
  operationId: getMobileOperators
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /paga-webservices/business-rest/secured/getOperationStatus
  method: post
  operationId: getOperationStatus
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none

Work with this as data

Every access contract here is available over the APIs.io API and to AI agents over MCP. Agentic Access is not yet its own endpoint on the v1 API. Reach it through catalog search and the tag graph, or the MCP server.

MCP server

One button, every client — Claude, Cursor, VS Code and the rest.

https://apis.io/mcp

Tools for agentic access

3 MCP tools reach this

apis_io_searchSTART HERE — APIs, providers and tags for one query, each with its total.
resolveTurn a domain, URL or GitHub org into the provider it belongs to.
find_cohortsEvery scored population of providers in the catalog.

All 92 tools →

Call it yourself

curl for this page

Search the catalog

curl "https://apis.io/api/v1/search?q=paga-agentic-access&limit=10"

Everything under a tag

curl "https://apis.io/api/v1/tags/paga-agentic-access"

Discovery needs no key. Ratings and market analysis are Pro.

Get an API key

Free tier, no form to fill in. Signing in shares your email address with us — we store it to create your key and to recognise you if you sign in with another provider. See our Privacy Policy and Terms.

GitHub Google LinkedIn

A second provider on the same verified email joins the account you already have.