Paga Engine

Paga Engine is a digital payments and financial services infrastructure platform for businesses that need to embed collections, payouts, and payment flows into their products and internal operations.

Key capabilities include:

• Direct Debit (recurring payments): Sets up secure e-mandates and collects recurring payments from customers’ bank accounts using open banking, designed to reduce missed payments and support predictable cash flow.
• Multi-channel transactions: Supports payments across online, in-store, and mobile customer touchpoints, built for businesses that operate across different platforms and markets.
• Optimised financial operations: Provides tools for real-time cash-flow management and automated workflows to reduce operational bottlenecks and improve financial visibility.
• Scalable infrastructure: Built to handle high transaction volumes with 99.99% uptime, supporting growth without frequent re-architecture.

Available via Web dashboard and APIs, with developer documentation provided through Paga’s developer portal.

It primarily serves African SMEs, enterprises, fintechs, and marketplaces that want to integrate payment acceptance, recurring collections, and financial operations into their apps or workflows.

Notable in the Nigerian market, the platform is built by Paga, a CBN-licensed provider in Nigeria, and is used by hundreds of companies (the research brief cites 260+ businesses) for payment and financial services integration at scale.