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 29 more developer resources.

🌐 Visit website 📡 Source on GitHub

55.5/100 developing ▬ flat Agent 51/100 agent native Full breakdown ↓
scored 2026-08-17 · rubric v0.11.0

AccessPaidSelf serve

5 APIs 1 MCP Servers

PaymentsMobile MoneyFintechCollectionsNigeria

Kin Score

Kin Score How this is scored →
scored 2026-08-17 · rubric v0.11.0

Composite quality — 55.5/100 · developing

Contract Quality 13.6 / 21

Developer Ergonomics 11.4 / 17

Commercial Clarity 9.4 / 17

Operational Transparency 5.5 / 11

Governance 1.2 / 10

Discoverability 6.9 / 9

Regulatory Posture 7.5 / 15

Agent readiness — 51/100 · agent native

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

MCP Server 12 / 12

Machine-Readable Auth 10 / 10

Idempotency 9 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 7 / 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

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Regulatory Posture applies to this provider. Its tags matched the Payments regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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.

MCP Servers 1

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

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.

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

MCPServer

LLMsTxt

AgentSkill

Design & Contract 8

Pagination, idempotency, versioning, errors, and events

Conformance

ErrorCatalog

Lifecycle

Conventions

Idempotency

Components

DataModel

Webhooks

Scroll for all 8

Build 4

SDKs, sample code, and the tooling you integrate with

PostmanWorkspace

PostmanWorkspace

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

Website

Website

Blog

Blog

Other 1

Properties that don't map to a standard resource type

Overlay

Overlay

Source (apis.yml)

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: PostmanWorkspace
  url: https://www.postman.com/kinlaneapi/paga/overview
- 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