How To Open Paga Account, Send & Receive Money

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Do you want to know how to open Paga account? This article reveals all that you need to know concerning funding sending and receiving of money on Paga.

Paga is a payment platform that has 2 channels (a) Agent Networks and (b) Online and Mobile. Paga provides services that allow you to send and receive money, and make and receive payments; you can also buy and send airtime wherever you are.

Paga’s agent network serves as the primary interface for cash-in and cash-out on Paga. As a Paga agent, you will receive a commission for every transaction you perform, plus other bonuses and incentives.

With Paga Merchant services, your business can integrate with Paga to offer customers a secure and easy payment option either through your online platform or in-store.

What is Justpaga.me?

JustPaga.me allows Paga users to receive money from both Paga and non-Paga users. It is a unique payment link which you can share with anyone and get paid instantly.

How to setup Justpaga.me page/link

Simply follow the below steps to set up justpaga.me page/or link

Login to your account
Under menu, click on “request money”
Click on let’s get started
Click on create JustPaga.me page
Claim your URL e.g Justpaga.me/Greg
Choose your colour
Upload your picture

You can transfer money to any bank account in Nigeria.

How To Open Paga Account

Signing up for a Paga account is free and easy. You can do it via the following channels:

1. Go to the Google Play or IOS store on your device, download the Paga app, and click on

‘Sign Up’, and follow the instructions from there.

2. Visit www.mypaga.com and click the “Get Started” button in the top right of the screen.

3. Visit any Paga Agent & provide your First name, Surname, and Phone number.

4. Dial *242# on your phone and follow the instructions to register.

How To Fund Paga Account

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:

Log in to your internet banking
Select ‘Transfer to other Banks’
Insert your 10 digits Paga Nuban account number
Select “Paga” or “Pagatech” as beneficiary Bank
Input amount
Fill the required field on the transfer page
Input your PIN
Complete the transfer process

2. (a) Add cash (Debit card): You can fund your account with your Naira debit card. Simply follow the below steps to add your card to your wallet.

Click on wallet under “My Paga”
Click on add cash under wallet
Enter amount
Select card as a payment option, then click on the deposit tab below
Enter your card number
Enter the expiry date of your card
Enter CVC at the back of your card
Input your PIN
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 below steps to add your bank to your wallet.

Click on wallet under “My Paga”
Click on add cash under wallet
Enter amount
Select bank as a payment option, then click on the deposit tab below
Enter your account number
Enter your BVN
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. Automated deposit at partner banks: Kindly visit any of the below Bank branches and request to fund your Paga account using Paga automated deposit.

Access Bank: Paga on ACCESS PAY
Fidelity Bank: Fidelity In-Branch collection
FCMB: Paga on SLIP FREE
GTBank: Paga on GT COLLECTIONS
Polaris Bank: Paga on SIPS
UBA Bank: Paga on WORKFLOW
Zenith Bank: Paga on X-PATH

5. GT Collections: To fund your account via GT Collections (Mobile app/Online), simply follow the below steps.

Log in to your GTB account
Click on other payments
Click on more payments
Click on Infotechs & other services
Select “Pagatech Limited” from the list of merchants
Click on Paga Collections
Insert your 10 digits Paga account number, fill in other details and the amount
Click on continue
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.

Dial *737* 50*amount*145#
Enter your 10-digit Paga account number
Confirm your 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.

Dial *737*22#
Select Option for Recipient Category
Enter Transaction Amount
Enter Wallet Account Number (Phone Number)
Enter 737 PIN to Authenticate Transaction.

Countries You Can Receive Money From With Paga

Yes, you can receive money from any of our overseas partners – WorldRemit, Moneytrans, TerraPay, USA Concierge, MoneyGlobe, MFS Africa, FGC, Telcoin etc. into your Paga account using your mobile number. Below is the list of our IMTO partners and locations.

1. Terra Payment Services: Belgium, Italy, Spain, UAE, Bahrain, UK, Portugal, Senegal, South Africa, Oman

2. TransferTo Payment: UK and USA

3. Transferwise Limited: UK

4. Topup Nigeria Limited: UK

5. Small World FS Limited: UK, USA, Spain, Italy

6. MFS Africa: the UK and all West African Countries

7. Hello Paisa: India, Uk and South Africa

8. USA Concierge Services (www.zingerpay.com): USA – Maryland & California. Customers outside the mentioned states should use their website.

9. Simbapay: UK and Kenya

10. MoneyLineUK: UK

11. GDM Transfer: Australia

12. Impalapay: UK and Kenya

13. Cashpot: UK

14. WorldRemit: Canada, Australia, Spain, Italy, Ireland, Germany, New Zealand, Sweden, Norway, Slovakia, South Africa

15. Telcoin: Canada

16. Zeepay: Ghana

17. Alexpay: Ghana

18. Rewire: Isreal

Remember, you can also withdraw money from your Paga wallet from any of our over 12,000 Paga agents or from selected ATMs without the need for a debit card.

How to Receive Paga Funds via an IMTO

The recipient receives an SMS from Paga informing him/her of the funds sent after providing his/her Nigerian phone number to the sender.

To claim and have access to the funds sent, the recipient creates a Paga account via the following channel

Mobile Application

Download Paga app for iOS

Download Paga app for Android

Web> http://www.mypaga.com/

The next step is to ensure that the Paga account created is upgraded to KYC 3. This is necessary so as to move the funds from the recipient’s “pending balance” to the main balance”

On the Mobile Application, the recipient clicks on “unlock transaction limits” and uploads a selfie, valid means of Identity (Current International Passport, Current Driving Licence or National Identity Card, Voters card) and proof of address (recent PHCN, Waste or Water bill) for the KYC upgrade.

The recipient can have access to the funds sent after a successful KYC upgrade.

Paga POS Withdrawal

Switch on the POS terminal
Select Paga on the home screen
Enter your 10-digit Paga account number (NUBAN) to verify your Paga agency name
Type amount and press enter’
Insert ATM card and select account type (i.e. current, savings, etc)
Type PIN and press ‘enter’
If the transaction is successful, it will show ‘approved’ and then print our the 1st receipt (customers copy)
Press any key to print the merchant copy
If the transaction is not successful, it will show ‘declined’, and then ask you to remove the card

How To Open Paga Account (Charges)

The daily POS withdrawal limit per card is N500,000. All withdrawal transactions require additional checks on customer KYC by agents.

What is Paga Pocket?

This is a feature that allows you to add pockets to your wallet. These pockets can be used to store money for future goals.

You can withdraw money from your pocket to any of your linked bank accounts. Also, you can withdraw money from your pocket via an agent outlet or to your Paga wallet using *242#.

You can only deposit and withdraw money from your pocket. To buy airtime, withdraw money from your Pocket to your Paga wallet (for free), and then buy airtime with your Paga wallet.

Paga will assign a 10-digit account number (NUBAN) to every Pocket you create. You can see your Pocket account number using the USSD by dialling *242*2# on your registered phone number and select deposit to Pocket (option 2 – Deposit).

The Pocket KYC will always match the KYC level of the customer’s account (i.e. the Paga wallet). So if you are on KYC 2 and you create a Pocket at an agent, that Pocket will have KYC 2 level limits on it.

Your daily transaction limits are dependent on your Paga Wallet KYC level. Your limit is set separately from your Paga wallet limit.

Withdrawals to your linked Bank accounts and to your Paga wallet are free. However, you will be charged a fee of N107 when you withdraw via an agent outlet.

Features of Paga Pocket

The features include but are not limited to the following:

A separate, non-transactional wallet, linked to your main Paga account. It gives you a safe place to store money, separate from your normal Paga wallet.
Deposit money to your Pocket at any Paga agent, from any bank account, or from your Paga wallet.
Check the balance of your Pocket at any time at *242*2#
Save securely and regularly with Paga for just N300 each month when you deposit. No charges for just keeping your money safe when you don’t deposit.
Name your pocket so you can track your money towards a goal.

How to create Paga Pocket

By dialling *242*2# on your registered phone number or visiting any of our agents, you can create a Paga Pocket.

How to Fund Paga Pocket

1. Bank transfer (Instant): You can fund your Paga Pocket via internet banking or bank mobile app by transferring funds from your bank account directly to your Paga Pocket. Simply follow the below steps:

Log in to your internet banking
Select Transfer to other Banks
Insert your 10 digits Pocket account number (NUBAN)
Select “Paga” or “Pagatech” as beneficiary Bank
Input amount
Fill the required field on the transfer page
Input your PIN
Complete the transfer process

2. Paga Agent: Kindly visit any Paga accredited agent to fund your Paga Pocket.

3. USSD: You can fund your Paga Pocket directly from the USSD channel. Simply dial *242# and follow the steps

How to Upgrade Pocket KYC level

Yes. To upgrade your KYC level, simply download Paga mobile app from the Google Play Store for Android devices or the App Store for IOS device

For Android device
For IOS device
After downloading the Paga mobile app, follow the steps below
log in with your phone number and password
Click on unlock transaction limits
Upload your selfie, valid means of Identity and proof of address (recent PHCN, Waste or Water bill).

Our team will review your document and provide a response.

If you experience any difficulty upgrading your account to a higher KYC level via the Paga mobile App, kindly send the following requirements to kyc_ng@paga.com

Full Name
Phone number
Date and place of birth
Sex
Home Address
Documentary evidence of address (utility bill, Lease/Rental Agreement, Property Document/Government Document) (required for KYC 3 upgrades only)
ID card and ID number (Current International Passport, Current Driving Licence or National Identity Card, Voters card)
Scan copy of passport photograph
BVN (Bank Verification Number)

Wrapping Up How To Open Paga Account

I’m sure you now know how to open Paga account. For further assistance please reach out by calling: 07000007242, Email: service@mypaga.com, Twitter: @mypagacare, Facebook: @mypaga, WhatsApp: 08099227242, SMS: 09090027242, Live chat – www.mypaga.com.

This article was updated 2 months ago