Payaza Python SDK

Unofficial Python SDK for the Payaza Africa API.

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Installation

pip install payaza

For local development:

git clone https://github.com/0xAfterSnow/payaza-python
cd payaza-python
pip install -e ".[dev]"

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Quick start

from payaza import Payaza

# Live
client = Payaza(api_key="your-live-key")

# Test / sandbox — uses X-TenantID: test on APIs that require it
client = Payaza(api_key="your-test-key", sandbox=True)

Payaza uses a single base URL (https://api.payaza.africa) with a fixed /live/ path prefix for both environments. Test vs live is controlled by your API key and, where required, X-TenantID.

Authentication headers

Header	When
Authorization: Payaza <base64-key>	Always
X-TenantID: test | live	Only APIs that require it (transfers, account enquiry, bank codes, sub-accounts, MoMo collections, …)
X-ProductID: app	Only MoMo / XOF / ZAR / SLE collections

The SDK does not attach tenant/product headers globally. Resource methods that need them call client.tenant_headers() or client.product_headers() internally.

See the official authentication guide.

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Implemented resources

Resource	Methods
client.collections	Card charge, 3DS check, card status/refund status, tokenization, token charge/list/delete, Apple/Google Pay initiate
client.virtual_accounts	Create dynamic/static VA, get status, fund test VA (sandbox), collection status by txn/merchant ref
client.payouts	Initiate transfer (single or multi-beneficiary)
client.accounts	View main accounts (balance / payazaAccountReference), account name enquiry
client.transactions	Transfer transaction status
client.misc	Bank codes by currency
client.momo_collections	MoMo/XOF/ZAR/SLE process collection, status, XOF OTP, sandbox fund
client.refunds	Initiate refund, refund history, chargeback requests/accept-reject/history
client.auth_capture	Authorize, capture, void, get/list authorizations
client.sub_accounts	Create sub-account, view sub-account details
client.split_settlements	Create, list, update, delete split settlement accounts
client.eur_accounts	Acceptable IDs, request user/corporate EUR subaccount, list/get requests, list EUR subaccounts
client.branches	List merchant branches
client.subscriptions	Plans, create/list/get subscription, pause/resume/cancel/change-plan, charge-now/custom, charges/events/upcoming, invoices

Examples

# Main accounts — balances + payazaAccountReference for payouts
accounts = client.accounts.view_main_accounts()
ngn = next(a for a in accounts["data"] if a["currency"] == "NGN")
account_reference = ngn["payazaAccountReference"]

# Bank codes (requires X-TenantID)
banks = client.misc.get_bank_codes("NGN")

# Name enquiry before payout
details = client.accounts.fetch_account_details(
    currency="NGN",
    bank_code="000013",
    account_number="0123456789",
)

# Initiate transfer — sender is nested into each beneficiary
response = client.payouts.initiate_payout(
    transaction_type="nuban",
    payout_amount=1000,
    transaction_pin=1234,
    account_reference=account_reference,
    currency="NGN",
    country="NGA",
    payout_beneficiaries=[{
        "credit_amount": 1000,
        "account_number": "0123456789",
        "account_name": "John Doe",
        "bank_code": "000013",
        "narration": "Test payout",
        "transaction_reference": "TXN-001",
    }],
    sender={
        "sender_name": "Jane Doe",
        "sender_phone_number": "08012345678",
        "sender_address": "Lagos, Nigeria",
    },
)

Runnable scripts live under examples/.

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Development

pip install -e ".[dev]"
pytest --cov=payaza

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Contributing

PRs are welcome! Please open an issue first to discuss what you'd like to change.

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⚠️ Disclaimer

This is an unofficial SDK and is not affiliated with or endorsed by Payaza Africa Limited. Endpoint paths and request/response shapes are based on the public documentation at docs.payaza.africa — always cross-check against the latest official docs and update accordingly.

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License

MIT © Shagbaor Agber