APIs
Paga vs Paystack
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
Not listed
~1.5% domestic / transaction
Verified
Verified
Verified
Last verified
10 Oct 2026
24 Jun 2026
Tags
payments, collections, bills, disbursements, wallet
payments, cards, cbn-licensed
Summary
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.
CBN-licensed payment gateway and the market leader, with the best docs and widest adoption. Owned by Stripe. SDKs in Python, JS, PHP and .NET, plus an OpenAPI spec and official Postman collection.
Paga vs Paystack at a glance
Paga and Paystack are both listed under Payments in Wycord's APIs index.
Both are based in Nigeria.
Both currently show the status "Docs live".
On access, Paga is marked "Approval required" and Paystack "No approval needed".
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: Paga, Approval required; Paystack, No approval needed.
- Pricing: Paga, Not listed; Paystack, ~1.5% domestic / transaction.
Topics
Both are tagged: payments.
Only Paga: collections, bills, disbursements, wallet.
Only Paystack: cards, cbn-licensed.
Common questions
- Which has better uptime, Paga or Paystack?
- Wycord does not yet have enough probe results for both to compare uptime.
- Do Paga or Paystack need approval before use?
- Paga is marked "Approval required" and Paystack "No approval needed".
- Is the documentation for Paga and Paystack working?
- Both show "Docs live" at the last check.
- Where are Paga and Paystack based?
- Both are based in Nigeria.