Paya

Paya Developer APIs

Build powerful fintech applications with our comprehensive suite of APIs. From payments to lending, we provide the tools you need to create innovative financial solutions.

Our APIs

Comprehensive financial APIs to power your applications

Buy Now Pay Later API

Enable flexible payment options for your customers with installment plans and deferred payments. Perfect for e-commerce and retail applications.

Key Features:

  • Split payments into installments
  • Automated credit assessment
  • Real-time payment tracking
  • Seamless merchant integration
  • Flexible repayment schedules

Main Endpoints:

POST /api/bnpl/create
GET /api/bnpl/status
POST /api/bnpl/payment

Payment Processing API

Process secure payments with multiple payment methods and real-time processing. Accept credit cards, mobile money, and bank transfers.

Key Features:

  • Multiple payment methods
  • Real-time transaction processing
  • Automated refund handling
  • Webhook notifications
  • PCI DSS compliant

Main Endpoints:

POST /api/payment/process
GET /api/payment/status
POST /api/payment/refund

Lending & Credit API

Provide lending services with automated credit scoring, loan origination, and comprehensive repayment management for financial institutions.

Key Features:

  • Automated credit scoring
  • Loan origination workflows
  • Repayment tracking
  • Risk assessment tools
  • Compliance reporting

Main Endpoints:

POST /api/lending/apply
GET /api/lending/status
POST /api/lending/repay

Autopay & Subscriptions API

Automate recurring payments and subscription management with flexible scheduling, dunning management, and customer retention tools.

Key Features:

  • Recurring payment automation
  • Subscription lifecycle management
  • Flexible payment scheduling
  • Smart dunning management
  • Customer retention tools

Main Endpoints:

POST /api/autopay/setup
GET /api/autopay/subscriptions
POST /api/autopay/cancel

Developer Resources

Everything you need to get started with Paya APIs

API Documentation

Complete API reference with examples and guides

Learn more

Getting Started Guide

Quick start guide to integrate your first API

Learn more

Sandbox Environment

Test your integration in our sandbox

Learn more

Developer Support

Get help from our developer support team

Learn more

Need Help Getting Started?

Our developer support team is here to help you integrate successfully. From technical questions to best practices, we've got you covered.