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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.
It is possible to have multiple Paga accounts. Paga accounts are tied to phone numbers or email addresses. However, one phone number or email address can only be tied to one Paga account. It is not often recommended as you may encounter some limitations and may not enjoy the full benefits of the platform.
Requesting money without a Paga account is not possible as you would need to create a Paga account in order to set up a JustPaga.me page/link which you would send to the person you are requesting money from, to enable instant payment.
Funds in Paga accounts are held only in Nigerian Naira at the moment. Money may be sent from abroad in other currencies to your Paga account using one of our Remittance partners; however, the money received in your Paga account will be in Naira.
You can pay for an Uber ride with your local debit card on Paga. All payments through Paga go directly to Uber.
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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.
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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
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)
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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.
