Paga

Paga (Pagatech Financial Services Limited) is a Nigerian mobile-money and payments company founded in 2009 and licensed by the Central Bank of Nigeria. Its developer platform exposes REST APIs - the Business API, Collect API, and Direct Debit API - for disbursements, airtime/data and bill payments, bank deposits, and NGN collections via payment requests and persistent (NUBAN) account numbers. Authentication combines a principal/credential key pair with a per-request SHA-512 hash header.

Paga publishes 4 APIs on the APIs.io network, including Business API, Collect API, Direct Debit API, and 1 more. Tagged areas include Payments, Mobile Money, Fintech, Collections, and Nigeria.

The Paga catalog on APIs.io includes 1 event-driven AsyncAPI specification.

Paga’s developer surface includes authentication, documentation, sandbox, quickstart, support, engineering blog, and 28 more developer resources.

🌐 Visit website 📡 Source on GitHub
60.2/100 strong ▬ flat Agent 87/100 agent native Full breakdown ↓
scored 2026-07-27 · rubric v0.5
AccessPaidSelf serve
5 APIs 1 MCP Servers
PaymentsMobile MoneyFintechCollectionsNigeria

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5
Composite quality — 60.2/100 · strong
Contract Quality 16.3 / 25
Developer Ergonomics 14.8 / 20
Commercial Clarity 11.1 / 20
Operational Transparency 6.5 / 13
Governance 0.0 / 12
Discoverability 10.0 / 10
Agent readiness — 87/100 · agent native
Machine-Readable Contract 18 / 18
Agentic Access Contract 15 / 15
MCP Server 12 / 12
Machine-Readable Auth 10 / 10
Idempotency 9 / 9
Stable Error Semantics 8 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 7 / 7
Typed Event Surface 6 / 6
Agent Skills 5 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/paga: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

APIs 5

Individual APIs this provider publishes, each with its own machine-readable definition.

Paga Connect

OAuth-based hosted checkout that lets third parties charge a customer's Paga wallet and read account/merchant details after the customer authorizes access. Documented separately...

Paga Business API

Disbursements, airtime/data, merchant payments, deposits, onboarding.

Paga Collect API

NGN collections - payment requests and persistent payment accounts.

Paga Direct Debit API

Bank-account mandate tokenization and recurring debits.

Paga Reference API

Look-up operations - banks, mobile operators, status.

MCP Servers 1

Model Context Protocol servers that expose these APIs to AI agents.

paga-mcp.yml

MCP SERVER

Pricing Plans 1

Published pricing tiers and plan structures.

Paga Plans Pricing

2 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Paga Rate Limits

2 limits

RATE LIMITS

FinOps 1

Cost, billing, and metering signals for API financial operations.

Paga Finops

FINOPS

Event Specifications 1

AsyncAPI definitions for this provider's event-driven and streaming APIs.

Paga Webhooks

ASYNCAPI

Security Posture 4

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Paga Authentication

http/apiKey · 4 schemes

SECURITY

Paga Domain Security

no transport/DNS hardening detected

SECURITY

Paga Vulnerability Disclosure

security.txt · contact published

SECURITY

Paga Trust Center

PCI DSS, CBN licensed (Mobile Money Operator), NDPR (Nigeria Data Protection Regulation)

SECURITY

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Paga Agentic Access

23 operations · 15 acting · 8 human-in-the-loop

23 operations · 15 acting

AGENTIC

Resources

Get Started 3

Portal, sign-up, and the first successful call

Sandbox
Sandbox
 DeveloperPortal
DeveloperPortal
 Quickstart
Quickstart

Documentation 1

Reference material describing how the API behaves

Documentation
Documentation

Agent Surfaces 4

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess
AgenticAccess
 MCPServer
MCPServer
 LLMsTxt
LLMsTxt
 AgentSkill
AgentSkill

Design & Contract 8

Pagination, idempotency, versioning, errors, and events

Conformance
Conformance
 ErrorCatalog
ErrorCatalog
 Lifecycle
Lifecycle
 Conventions
Conventions
 Idempotency
Idempotency
 Components
Components
 DataModel
DataModel
 Webhooks
Webhooks

Scroll for all 8

Build 3

SDKs, sample code, and the tooling you integrate with

GitHubOrganization
GitHubOrganization
 Packages
Packages
 SDKs
SDKs

Access & Security 5

Authentication, authorization, and security posture

TrustCenter
TrustCenter
 VulnerabilityDisclosure
VulnerabilityDisclosure
 DomainSecurity
DomainSecurity
 Authentication
Authentication
 Compliance
Compliance

Operate 3

Status, limits, changes, and where to get help

RateLimits
RateLimits
 StatusPage
StatusPage
 Support
Support

Commercial 3

Pricing, plans, and the legal terms of use

Plans
Plans
 FinOps
FinOps
 TermsOfService
TermsOfService

Company 3

The organization behind the API

LinkedIn
LinkedIn
 Website
Website
 Blog
Blog

Other 1

Properties that don't map to a standard resource type

Overlay
Overlay

Source (apis.yml)

apis.yml Raw ↑ 
aid: paga
url: https://raw.githubusercontent.com/api-evangelist/paga/refs/heads/main/apis.yml
name: Paga
kind: company
description: Paga (Pagatech Financial Services Limited) is a Nigerian mobile-money and payments company founded in 2009 and
  licensed by the Central Bank of Nigeria. Its developer platform exposes REST APIs - the Business API, Collect API, and Direct
  Debit API - for disbursements, airtime/data and bill payments, bank deposits, and NGN collections via payment requests and
  persistent (NUBAN) account numbers. Authentication combines a principal/credential key pair with a per-request SHA-512 hash
  header.
accessModel:
  pricing: paid
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Paid · Self-serve signup
  confidence: high
  source:
  - plans
  - authentication
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/paga.png
tags:
- Payments
- Mobile Money
- Fintech
- Collections
- Nigeria
created: '2026-07-17'
modified: '2026-07-17'
specificationVersion: '0.19'
apis:
- aid: paga:paga-connect-api
  name: Paga Connect
  tags:
  - OAuth
  - Checkout
  - Payments
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://developer-docs.paga.com/docs/paga-connect
  baseURL: https://www.mypaga.com
  properties:
  - url: https://developer-docs.paga.com/docs/paga-connect
    type: Documentation
  description: OAuth-based hosted checkout that lets third parties charge a customer's Paga wallet and read account/merchant
    details after the customer authorizes access. Documented separately from the hash-authenticated REST surfaces.
- aid: paga:paga-business-api
  name: Paga Business API
  description: Disbursements, airtime/data, merchant payments, deposits, onboarding.
  humanURL: https://developer-docs.paga.com/docs/paga-collect-api
  baseURL: https://collect.paga.com
  tags:
  - Business
  properties:
  - type: OpenAPI
    url: openapi/paga-business-api-openapi.yml
  - type: Documentation
    url: https://developer-docs.paga.com/docs/paga-collect-api
  - type: APIReference
    url: https://developer-docs.paga.com/docs/operations-1
  - type: PostmanCollection
    url: collections/paga.postman_collection.json
  - type: Documentation
    url: https://developer-docs.paga.com/docs/business-rest-api
  - type: APIReference
    url: https://developer-docs.paga.com/docs/business-rest-api-operations
  - type: Documentation
    url: https://developer-docs.paga.com/docs/direct-debit-api
- aid: paga:paga-collect-api
  name: Paga Collect API
  description: NGN collections - payment requests and persistent payment accounts.
  humanURL: https://developer-docs.paga.com/docs/paga-collect-api
  baseURL: https://collect.paga.com
  tags:
  - Collect
  properties:
  - type: OpenAPI
    url: openapi/paga-collect-api-openapi.yml
  - type: Documentation
    url: https://developer-docs.paga.com/docs/paga-collect-api
  - type: APIReference
    url: https://developer-docs.paga.com/docs/operations-1
  - type: PostmanCollection
    url: collections/paga.postman_collection.json
  - type: Documentation
    url: https://developer-docs.paga.com/docs/business-rest-api
  - type: APIReference
    url: https://developer-docs.paga.com/docs/business-rest-api-operations
  - type: Documentation
    url: https://developer-docs.paga.com/docs/direct-debit-api
- aid: paga:paga-direct-debit-api
  name: Paga Direct Debit API
  description: Bank-account mandate tokenization and recurring debits.
  humanURL: https://developer-docs.paga.com/docs/paga-collect-api
  baseURL: https://collect.paga.com
  tags:
  - Direct Debit
  properties:
  - type: OpenAPI
    url: openapi/paga-direct-debit-api-openapi.yml
  - type: Documentation
    url: https://developer-docs.paga.com/docs/paga-collect-api
  - type: APIReference
    url: https://developer-docs.paga.com/docs/operations-1
  - type: PostmanCollection
    url: collections/paga.postman_collection.json
  - type: Documentation
    url: https://developer-docs.paga.com/docs/business-rest-api
  - type: APIReference
    url: https://developer-docs.paga.com/docs/business-rest-api-operations
  - type: Documentation
    url: https://developer-docs.paga.com/docs/direct-debit-api
- aid: paga:paga-reference-api
  name: Paga Reference API
  description: Look-up operations - banks, mobile operators, status.
  humanURL: https://developer-docs.paga.com/docs/paga-collect-api
  baseURL: https://collect.paga.com
  tags:
  - Reference
  properties:
  - type: OpenAPI
    url: openapi/paga-reference-api-openapi.yml
  - type: Documentation
    url: https://developer-docs.paga.com/docs/paga-collect-api
  - type: APIReference
    url: https://developer-docs.paga.com/docs/operations-1
  - type: PostmanCollection
    url: collections/paga.postman_collection.json
  - type: Documentation
    url: https://developer-docs.paga.com/docs/business-rest-api
  - type: APIReference
    url: https://developer-docs.paga.com/docs/business-rest-api-operations
  - type: Documentation
    url: https://developer-docs.paga.com/docs/direct-debit-api
common:
- type: AgenticAccess
  url: agentic-access/paga-agentic-access.yml
- type: TrustCenter
  url: security/paga-trust-center.yml
- type: VulnerabilityDisclosure
  url: security/paga-vulnerability-disclosure.yml
- type: DomainSecurity
  url: security/paga-domain-security.yml
- type: Authentication
  url: authentication/paga-authentication.yml
- type: GitHubOrganization
  url: https://github.com/Paga-Developer-Community
- type: LinkedIn
  url: https://www.linkedin.com/company/paga-tech
- type: Website
  url: https://www.paga.com/
- type: Documentation
  url: https://developer-docs.paga.com/
- type: Plans
  url: plans/paga-plans-pricing.yml
- type: RateLimits
  url: rate-limits/paga-rate-limits.yml
- type: FinOps
  url: finops/paga-finops.yml
- type: Packages
  url: packages/paga-packages.yml
- type: SDKs
  url: packages/paga-packages.yml
- type: MCPServer
  url: mcp/paga-mcp.yml
- type: LLMsTxt
  url: llms/paga-llms.txt
- type: Overlay
  url: overlays/paga-openapi-overlay.yaml
- type: Conformance
  url: conformance/paga-conformance.yml
- type: Compliance
  url: security/paga-trust-center.yml
- type: ErrorCatalog
  url: errors/paga-error-codes.yml
- type: Lifecycle
  url: lifecycle/paga-lifecycle.yml
- type: StatusPage
  url: https://status.paga.com
- type: Sandbox
  url: sandbox/paga-sandbox.yml
- type: Conventions
  url: conventions/paga-conventions.yml
- type: Idempotency
  url: conventions/paga-conventions.yml
- type: Components
  url: components/paga-components.yml
- type: DataModel
  url: data-model/paga-data-model.yml
- type: Webhooks
  url: asyncapi/paga-webhooks.yml
- type: AgentSkill
  url: skills/_index.yml
- type: DeveloperPortal
  url: https://developer-docs.paga.com/
- type: Quickstart
  url: https://developer-docs.paga.com/docs/create-an-account
- type: Support
  url: https://www.paga.com/contact
- type: Blog
  url: https://paga.blog/
- type: TermsOfService
  url: https://www.paga.com/terms
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com