# Paga

**Canonical:** https://apis.io/providers/paga/  
**Website:** https://www.paga.com/  
**APIs profiled:** 5

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.

## Kin Score — 55.5 / 100 (developing)

Scored 2026-08-17 under rubric 0.11.0. Trend: flat (+0.0 from 55.5).

| Facet | Score |
|---|---|
| Discoverability | 81.5 |
| Contract Quality | 64.2 |
| Governance | 11.5 |
| Operational Transparency | 50.0 |
| Developer Ergonomics | 66.8 |
| Commercial Clarity | 55.3 |

Regulatory layer — **Payments**: 50.0 (matched via tags).

## Agent readiness — 50.7 (agent-native)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| MCP Server | derived |
| Auth Clarity | yes |
| Idempotency | documented |
| Error Semantics | documented |
| OpenAPI Examples | partial |
| Rate Limit Signal | documented |
| Event Surface Described | yes |
| Agent Skills | derived |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Paid · Self-serve signup — onboarding: self-serve, pricing: paid, trial: no (confidence: high).

## APIs (5)

- **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)

- **paga-mcp.yml**

## Agentic access (1)

- **Paga Agentic Access** — 23 operations · 15 acting · 8 human-in-the-loop

## Security (4)

- **Paga Authentication** — http/apiKey · 4 schemes
- **Paga Domain Security** — no transport/DNS hardening detected
- **Paga Vulnerability Disclosure** — security.txt · contact published
- **Paga Trust Center** — PCI DSS, CBN licensed (Mobile Money Operator), NDPR (Nigeria Data Protection Regulation)

## Plans (1)

- **Paga Plans Pricing**

## Tags

Payments, Mobile Money, Fintech, Collections, Nigeria

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/paga/). Scores are computed from the provider's own public artifacts under a published rubric.