---
title: "Paga Engine: Payment Gateway in Africa"
description: "Embed payments, payouts and direct debit APIs in Nigeria/Ethiopia. Collect e-mandates via open banking; online/in-store/mobile flows; 99.99% uptime."
canonical_url: "https://liners.com/paga-engine"
markdown_url: "https://liners.com/paga-engine.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/pagaengine/screenshot.webp?v=1772116842613"
published_at: "2026-02-26T22:29:28.618Z"
updated_at: "2026-10-06T16:18:24.570Z"
---

# Paga Engine: Payment Gateway in Africa

Embed payments, payouts and direct debit APIs in Nigeria/Ethiopia. Collect e-mandates via open banking; online/in-store/mobile flows; 99.99% uptime.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [Paga Engine](/paga-engine)

## Summary

Embed multi-channel payments and recurring collections via APIs

A digital payments infrastructure platform for African businesses to embed multi-channel payments, direct debit recurring collections, and financial services via APIs.

## Product details

| Field | Value |
| --- | --- |
| Website | https://pagaengine.com/ |
| Tagline | Embed multi-channel payments and recurring collections via APIs |
| Primary country | Nigeria |
| Platforms | Web, API |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

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.

## Features

- [Fintech](/categories/fintech): Category
- [B2B](/tags/b2b): Product feature or technology
- [Direct Debit](/tags/direct-debit): Product feature or technology
- [Payment Gateway](/tags/payment-gateway): Product feature or technology
- [Ethiopia](/countries/ethiopia): Market
- [Nigeria](/countries/nigeria): Market

## Related pages

- [Alternatives](/paga-engine/alternatives)
- [Reviews](/paga-engine/reviews)
- [Transparency](/paga-engine/transparency)

## Access and citation

- [Canonical HTML page](https://liners.com/paga-engine)
- [Markdown route index](/sitemap.md)
- [Agent access guide](/llms.txt)