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Do you want to become a Paga Agent in Naija? Do you know how? Relax, this article is a long one with full details of all you need to about Paga Agents.
As a newly registered Paga agent, you are free to decide how much to use as start-up capital.
Once your account has been fully set up, a Paga representative will be assigned to extensively train you on how the Paga agent scheme works.
Agent accounts are not transferable. But you can operate one agent account simultaneously in different locations by creating teller/user accounts that can be used at other locations. And you can operate anywhere in Nigeria with your agent account.
How to create a teller
Simply follow the below steps:
- Login to your agent account
- Click on user account under “my account”
- Fill in the required details
- Grant Access
- Save
But what is the role of teller?
The teller has the ability to log in using details generated during the teller account creation (different from main agent login details) and perform transactions from the agent’s efloat. The maximum number of tellers allowed is 10.
Don’t panic as you can temporarily or permanently stop the teller from using your account.
Or you can just edit (add or remove) the teller’s access by following the below steps:
Step 1: Login and click on “user account”.
Step 2: Search and find the teller in the table displayed in the “tellers” section.
Step 3: Click on the “teller username” held in the “username” column.
Step 4: Under grants access, click “delete” next to the item you wish to remove or select an item from the drop-down list and click “add” to give the teller access to the selected item.
Step 5: Click “save”.
To monitor the teller’s activities, simply follow the below steps.
Step 1: Log in to your account.
Step 2: Click on “transaction history”
Step 3: Find the teller username in the “username” column or enter the teller username in the “username” search field and click “go” to get transaction activities for the specified teller.
Always ensure to do a proper screening and background check before hiring a teller.
Always request tellers to provide at least two guarantors, which will be held liable for any theft committed by the teller.
DO NOT share your administrative password with your teller(s)
Always create an account for each teller, and allow them to choose a password known only to them. You should not know their password either.
Creating a teller account for each teller allows you the agency owner or administrator, to know who performed which transaction.
Benefits of becoming an agent
As a Paga agent, you will receive a commission for every transaction you perform, plus bonuses and other incentives which we roll out at intervals. The more transactions you perform the more money you make. It’s that simple.
Paga agents are categorized into four: Retailer, Star, Superstar and Megastar. I’ll explain each.
Retailers are Paga agents who:
- Perform a minimum of 1 – 99 monthly transactions
- Maintain a minimum e-float amount of N25,000 for a period of 1 month.
To qualify as a Star, you will be required to:
- Perform a minimum of 100 – 299 in monthly transaction volume for a period of 1 month.
- Maintain a minimum e-float amount of N100,000 for a period of 1 month.
Specific features and benefits of a Star include:
- Access to higher emergency e-float
- Monthly bonus on the total value of fee-based transactions plus regular transactions commissions
Once you qualify as a Star, you will need to consistently maintain and grow your monthly transaction volume and value to become eligible for a higher category.
To qualify for the next category, you will need to consistently grow your monthly transaction volume and value to become eligible for a higher category.
To qualify as a Super Star, you will be required to:
- Perform a minimum of 300 – 999 monthly transactions for a period of 1 month.
- Maintain a minimum e-float amount of N100,000 for a period of 1 month.
Specific features and benefits of a Super Star include:
- Access to higher emergency e-float
- Monthly bonus on the total value of fee-based transactions plus regular transactions commissions
Once you qualify as a Super Star, you will need to consistently maintain and grow your monthly transaction volume and value to become eligible for a higher category.
To qualify as a Mega Star, you will be required to:
- Perform a minimum of 1,000 monthly transactions for a period of 3 consecutive months
- Maintain a minimum e-float amount of N500,000 for a period of 3 consecutive months
- Have at least 5 qualified and duly signed-up sub-agents at the time of qualification
- Provide full Paga branding in an approved business outlet
- Provide evidence of valid money insurance
Specific features and benefits of a Mega Star include:
- The outlet will be a representation of Paga, i.e. Paga Center
- Ability to build their own sub-agent network
- The outlet will serve as a rebalancing centre
- Access to higher emergency e-float
- Monthly bonus on the total value of fee-based transactions plus regular transactions commissions
- Additional percentage bonus on sub-agents monthly commissions
Once you qualify as a Mega Star, you will need to consistently maintain and grow your monthly transaction volume and value to remain in the Mega Star category as well as grow your sub-agent base monthly.
How To Become A Paga Agent
Simply send an email to service@mypaga.com, or Log on to www.paga.com, select Agent and click on Become an Agent to get started.
You can also register your interest by using any of the channels below:
- Call: 07000007242 Or 012777160
- Email: service@mypaga.com
- Twitter: @paga
- Facebook: @mypaga
- WhatsApp: 08099227242
- SMS: 09090027242
- Live chat – www.mypaga.com
One of their field representatives will contact you for further instructions on the onboarding process.
Cost of signing up as Paga agent
The agent sign-up is free, but if you want a POS terminal you will be required to pay N30,000.
Paga agent POS
As a registered Paga agent, you are entitled to a POS terminal. You’ll have to contact your account officer for more information on POS acquisition.
The daily POS withdrawal limit per card is N500,000. All withdrawal transactions require additional checks on customer KYC by agents.
All local ATM cards- Verve, Master and Visa cards can be used on the POS Terminal, except foreign cards.
Now, there can be some teething issues sometimes with POS Transaction and so if a POS Transaction is Performed and you as Agent did not Receive Value, as long as a receipt was successfully generated for the transaction, you should give cash to the customer. The receipt generated should be forwarded to service@mypaga.com.
But if a receipt was not generated and the agent received value, he/she should not give out cash to the customer but refer the customer to his/her card holding bank for resolution.
In short, let me just list out some common POS error messages on Paga and possible solutions.
1. License Invalid
- Ensure the terminal has the right application IP address. If the issue persists, contact your account officer.
2. Application License Expired
- Confirm that GPRS SIM is active. Switch off the POS for 1 minute and restart. If the same error occurs, contact your account officer.
3. License Server Unavailable
- Confirm that the terminal configuration parameters are correctly prepped.
- If the issue persists, please replace it with an active SIM.
4. Connection Failed
- Network error. Confirm that GPRS SIM is active.
- Switch off the POS for 1 minute and restart.
- If the same error occurs, contact your account officer.
5. Receiving Failed, Error Receiving
- Network error. Confirm that GPRS SIM is active.
- Switch off the POS for 1 minute and restart.
- If the same error occurs, contact your account officer.
6. Socket Failed
- Network error. Confirm that GPRS SIM is active.
- Switch off the POS for 1 minute and restart.
- If the same error occurs, contact your account officer.
7. Reversing Transaction…Transaction Not Found
- Clear reversal queue severally.
- Delete keys and Power-cycle POS.
- Try transaction again
8. Routing Error @Keys Exchange
- Kindly contact your account officer
9. Routing Error @Transaction Consummation
- Kindly contact your account officer
10. System Malfunction
- If GPRS SIM is 9Mobile, confirm it is active.
- Kindly contact your account officer
11. System Unavailable
- Confirm the SIM to be active
- Reboot the POS
12. Missing HTTP Headers/Info
- Contact your account officer to update the terminal on Evolution Server and try again.
13. Error Unpacking Response
- Kindly contact your account officer
14. No Check Digit Match
- Kindly contact your account officer
15. Printer Not Ready
- Print rolls exhausted
- The print roll not well inserted
- Damaged printer requiring repairs
16. POS Be Attacked
- Hardware issues
- Repair is recommended
17. PED Tampered/PED Unlock
- Hardware issues
- Repair recommended
18. ICC Failure
- Clean the face of your chip card and retry
- If the issue persists, contact your account officer
19. Synchronizing
- Hardware issues
- Repair is recommended
20. Do not Honour
- Card registration issues
- Contact Bankcard issuer
21. Issuer Or Switch Inoperative
- Temporary Downtime on bank server (issuer) or Switch (processor)
22. Insufficient Funds
- No sufficient funds to carry out the amount entered
23. Invalid account
- The card has not been activated or the wrong account type selected
- Select correct account type
24. Pin Error
- Enter correct pin
How to fund Paga agent account
You can fund your Paga account via any of the following means:
1. Bank transfer (Instant): You can fund your Paga wallet via internet banking or bank mobile app by transferring funds from your bank account directly to your Paga wallet.
Simply follow the below steps:
Step 1: Log in to your internet banking
Step 2: Select transfer to other Banks
Step 3: Insert your 10 digits Paga Nuban account number
Step 4: Select “Paga” or “Pagatech” as beneficiary Bank
Step 5: Input amount
Step 6: Fill in the required field on the transfer page
Step 7: Input your PIN
Step 8: Complete the transfer process
2. (a) Add cash (Debit card): You can fund your account with your Naira debit card. Simply follow the steps below.
Step 1: Click on fund account under “account”
Step 2: Enter the amount
Step 3: Click on “Fund account”
Step 4: Select card as a payment option, then click on the deposit tab below
Step 5: Enter your card number
Step 6: Enter the expiry date of your card
Step 7: Enter CVC at the back of your card
Step 8: Input your PIN
Step 9: Click on deposit and follow the instruction to fund your wallet
(b) Add cash (Bank account): You can fund your account with your bank account. Simply follow the steps below.
Step 1: Click on fund account under “account”
Step 2: Enter the amount
Step 3: Select bank as a payment option, then click on the deposit tab below
Step 4: Enter your account number
Step 5: Enter your BVN
Step 6: Click on deposit and follow the instruction to fund your wallet
3. Paga Agent: Kindly visit any Paga accredited agent to fund your account.
4. GT Collections: To fund your account via GT Collections (Mobile app/Online), simply follow the below steps.
Step 1: Log in to your GTB account
Step 2: Click on other payments
Step 3: Click on more payments
Step 4: Click on Infotechs & other services
Step 5: Select “Pagatech Limited” from the list of merchants
Step 6: Click on Paga Collections
Step 7: Insert your 10 digits Paga account number, fill in other details and amount
Step 8: Click on continue
Step 9: Confirm and complete the process
Note that this service is available to GTBank customers only
5. GT Collections: To fund your account via GT Collections (Mobile app/Online), simply follow the below steps.
Step 1: Log in to your GTB account
Step 2: Click on other payments
Step 3: Click on more payments
Step 4: Click on Infotechs & other services
Step 5: Select “Pagatech Limited” from the list of merchants
Step 6: Click on Paga Collections
Step 7: Insert your 10 digits Paga account number, fill in other details and amount
Step 8: Click on continue
Step 9: Confirm and complete the process
Note that this service is available to GTBank customers only
6. GTBank 737: To fund your Paga account via GTB *737# service, simply follow the below steps.
Step 1: Dial *737* 50*amount*145#
Step 2: Enter your 10-digit Paga account number
Step 3: Confirm name and enter your 737 PIN or the last 4 digits of your GTB debit card and send
Note that this service is available to GTBank customers only.
7. GTB *737*22#: To fund your Paga account via GTB *737*22# service, simply follow the below steps.
Step 1: Dial *737*22#
Step 2: Select Option for Recipient Category
Step 3: Enter Transaction Amount
Step 4: Enter Wallet Account Number (Phone Number)
Step 5: Enter 737 PIN to Authenticate Transaction.
Paga Fee, Commission and Bonus
Commissions are paid to Paga agent on all transactions performed within a month on the 1st day of the following month. You don’t earn commission on accepted deposit transactions, you will earn commission only on fee-based transactions.
You can monitor your commission through the dashboard on your agent account.
But where your commission is not paid, contact customer support immediately on 07000007242 or send an email to service@mypaga.com.
Paga Agent Android app
Visit the Google play store on your Android device, search for Paga agent and follow the instructions given for a successful download. Note that there are two Paga android apps on the play store.
(1) Paga
(2) Paga Agent
Download and install the Paga Agent app if you are an existing Paga agent.
How to print receipt from Agent app
Agents can print transaction receipts with a compatible Android device. However, the operating system of the phone or tablet must be up to 5.0 and above to be able to print transaction receipts.
Steps on how to print from a compatible Android device;
App Download:
1. Download and install Paga Agent app 1.0.0 and Paga Suprema Bluetooth printer on your phone from Google Play Store.
2. Go to Settings and select Printing option to turn on Paga Suprema Printer.
3. Go to Settings on your android device and turn On Bluetooth
4. Press the power button on the printer to power it ON
5. Search for available devices on your phone/tablet and select Printer001 to pair both devices.
Printing Transaction Receipt:
1. Select Print option after completing your transaction via the Agent Android app.
2. Locate the Options menu on your phone/table and select Print option.
3. Select the Print icon to print receipt.
Your tellers can use the same app you use to login but they will have to enter their login details on the app to access their teller account.
Did you see a blank white screen when you launched the app? Go to Settings on your android device, locate the Paga agent app and click on clear data/cache. Launch the app again and login with your credentials.
And if when you launched the app, it displayed an error message saying my device has been tied to another account, just go to Settings on your phone, click on app then locate the Paga agent app and click on clear data/cache. Launch the app again and log in with your credentials.
Wrap Up on How To Become A Paga Agent
Do you still have a headache about how to become a Paga Agent? I doubt it. But in case you do, call 07000007242 OR WhatsApp: 08099227242 and all your problems will be resolved.
This article was updated 2 months ago
