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APIs

Flutterwave vs Paga

A verified, side-by-side comparison. Both records are status-checked by Wycord, so you are comparing what each actually offers today, not a stale listing.

Category
APIs
APIs
Type
Payments
Payments
Country
🇳🇬 Nigeria
🇳🇬 Nigeria
Docs status
Docs live
Docs live
Licensing
Approval required
Pricing
~1.5% domestic / transaction
Not listed
Verified
Verified
Verified
Last verified
10 Oct 2026
10 Oct 2026
Tags
payments, remittance, pan-african
payments, collections, bills, disbursements, wallet
Summary
Pan-African payment processor with the broadest SDK coverage (13 languages) and international remittance support. Acquired Mono in Jan 2026.
CBN-licensed Nigerian payments company whose Paga (Pagaengine) APIs cover the Collect API, Business API, Paga Connect and Merchant Services for collecting payments, disbursements/transfers and airtime/data/bills. SDKs for Java, PHP, Python and Node.js, with sandbox, IP whitelisting and hashing-based auth.

Flutterwave vs Paga at a glance

Flutterwave and Paga are both listed under Payments in Wycord's APIs index.

Both are based in Nigeria.

Both currently show the status "Docs live".

On access, Flutterwave is marked "No approval needed" and Paga "Approval required".

Over the last 30 days Wycord's probes measured 100% uptime for Flutterwave (36 checks) and 100% for Paga (36 checks).

Average response time on live probes was 620 ms for Flutterwave and 173 ms for Paga.

Uptime and latency come from Wycord's own probes of each resource's website, documentation and repository, run every six hours.

How they differ

  • Access: Flutterwave, No approval needed; Paga, Approval required.
  • Pricing: Flutterwave, ~1.5% domestic / transaction; Paga, Not listed.
  • Average latency: Flutterwave, 620 ms; Paga, 173 ms.

Topics

Both are tagged: payments.

Only Flutterwave: remittance, pan-african.

Only Paga: collections, bills, disbursements, wallet.

Common questions

Which has better uptime, Flutterwave or Paga?
They are level at 100% over the last 30 days.
Do Flutterwave or Paga need approval before use?
Flutterwave is marked "No approval needed" and Paga "Approval required".
Is the documentation for Flutterwave and Paga working?
Both show "Docs live" at the last check.
Where are Flutterwave and Paga based?
Both are based in Nigeria.

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