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, Collection, 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

55.4/100 strong ▬ flat Agent 35/100 agent ready saas Full breakdown ↓
scored 2026-09-06 · rubric v0.19.0

AccessPaid

1 APIs

Payments Mobile Money Fintech Collection Nigeria

Kin Score

Kin Score How this is scored →
scored 2026-09-06 · rubric v0.19.0

Composite quality — 55.4/100 · strong

Contract Quality 12.3 / 21

Developer Ergonomics 9.4 / 17

Access Clarity 9.4 / 17

Operational Transparency 5.2 / 11

Contract Governance 0.5 / 10

Discoverability 6.5 / 9

Regulatory Posture 9.4 / 15

Agent readiness — 35/100 · agent ready

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 6 / 6

MCP Server 0 / 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

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

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/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. 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. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

APIs 5

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

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

AgenticAccess

X-MCPServerCandidate

X-MCPServerCandidate

LLMsTxt

LLMsTxt

AgentSkill

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.
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: paid
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Paid
  confidence: high
  source:
  - plans
  - authentication
  - security
  - sandbox
  - url: https://www.paga.com/
    status: 302
    note: declared website redirects to https://www.mypaga.com/pagagroup/ — a different registrable domain (paga.com -> mypaga.com),
      possible rename or acquisition (probed 2026-09-03, roadmap#169)
  generated: '2026-09-03'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/paga.png
tags:
- Payments
- Mobile Money
- Fintech
- Collection
- Nigeria
tags_raw:
- Payments
- Mobile Money
- Fintech
- Collections
- Nigeria
created: '2026-07-17'
modified: '2026-07-17'
specificationVersion: '0.23'
apis:
- aid: paga:paga-connect-api
  name: Paga Connect
  tags:
  - Authentication
  - Checkout
  - Payments
  tags_raw:
  - 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: X-MCPServerCandidate
  url: mcp/paga-mcp.yml
  note: 'Renamed from MCPServer 2026-09-03 (roadmap#247): the manifest self-describes as status: candidate — a tool list derived
    from the published API contracts, not an existing server. The scorer already read the manifest and reported mcp_server
    correctly; the MCPServer type was crediting the artifact-type surfaces with a server that does not exist.'
- 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

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