What is Paga and how does it work?

Paga is a multi‑currency wallet and payments platform that lets you hold NGN and USD in one account, send and receive money (including from abroad), pay bills, and spend using virtual or physical Visa cards. You fund your wallet (for example via bank, card, or agents), then use the app or web to move money, pay bills, and transact wherever Visa is accepted, while NGN and USD balances are held under regulated and insured partner institutions.

What countries does Paga operate in?

Paga operates with core consumer operations in Nigeria through Pagatech Limited, which is licensed by the Central Bank of Nigeria with NGN funds insured by NDIC. It also supports Africans abroad by providing USD accounts via a U.S. banking partner (Regent Bank, Member FDIC) and enabling cross‑border payments to Nigeria.

How do I sign up for Paga?

You can sign up by downloading the Paga app on Android or iOS or by visiting the Paga website and creating an account. You will need a smartphone and a valid form of ID, and you must complete basic verification steps (such as phone and identity verification) before you can fully use the wallet.

Does Paga have a mobile app?

Yes, Paga has a mobile app available on Android and iOS, and you can also access your account via the web. You can use the app to manage your NGN and USD wallets, send money, pay bills, and control your Visa cards.

Who is Paga best suited for?

Paga is best suited for individuals in Nigeria and Africans abroad who need to hold NGN and USD in one place, send money, receive funds from overseas, and pay bills for themselves or loved ones. It also suits users who want a simple way to get and use Visa cards for everyday spending without a traditional bank account.

How do I contact Paga support?

You can contact Paga support by email at Service@mypaga.com, by phone at +234 201 344 4300, or via live chat on the website. They also provide help center resources and additional channels such as WhatsApp and social media support.

Does Paga have a plan for teams or businesses?

Yes, Paga provides solutions for teams and businesses through its Doroki offering for SMEs and its Paga Engine platform for enterprises. These services let businesses accept payments and embed financial services using Paga’s infrastructure.

Does Paga offer an API or integrations?

Yes, Paga offers an API and integrations through its official developer portal at developer.paga.com. Businesses and developers can use these APIs to embed payments, accounts, and other financial services into their own products and workflows.

Paga

🇳🇬 Nigeria

A multi-currency wallet and payments platform for Africans at home and abroad to hold NGN and USD, receive money from abroad, pay bills, and spend with Visa cards.

Use it on:Web Android· 4.1 iOS· 4.1API

Is Paga right for you?

Best for

Nigerians abroad
Diaspora remittances
Everyday bill payers
Online shoppers
Small business payouts

What it does well

NGN and USD balances
Receive money from abroad
Bill payments in Nigeria
Visa card spending
Virtual and physical cards

Things to check

USD funding options
Visa card availability
Payout speed to banks
Billers and merchants covered
Business payout tools

Paga is a multi-currency wallet and payments platform for Africans in Nigeria and the African diaspora who need to send money, pay bills, and manage NGN and USD balances from one account.

Key capabilities include:

Multi-currency wallet (NGN and USD) to hold and manage balances in one place, supporting everyday banking-like activity without being a bank
Send and receive money, including the ability to receive funds from abroad and move money for personal spending and family support
Bill payments, including options to set up recurring bill payments and pay bills for loved ones back home
Virtual and physical Visa debit cards for online and in-store payments wherever Visa is accepted, plus cashback at select merchants

Available on Web, Android, and iOS, with API access via an official developer portal.

It serves individual consumers (including Africans abroad), and also supports SMEs and enterprises through Doroki (SMEs) and Paga Engine (enterprise payments infrastructure).

Notable in the African market context, it operates with explicit regulatory and insurance disclosures: Pagatech Limited is licensed by the Central Bank of Nigeria as a mobile money operator and NGN accounts are NDIC-insured; USD accounts are provided via Regent Bank (Member FDIC) with stated FDIC insurance up to $250,000, helping users manage cross-border value in a single wallet.

As of Jul 6, 2026, Paga is rated 4.1 on the App Store from 1.5K reviews and 4.1 on Google Play from 22.8K reviews with 1M+ installs.

Phone:+234 700 000 7242

Social Links:

Categories:

Fintech

Features & Business Model:

b2b2c cross-border-payments multi-currency physical-cards virtual-cards

Frequently Asked Questions About Paga

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DD Dave found that Paga has raised $43.4M across 8 rounds, backed by 10 investors. Their latest round was a Series B in Mar 2024. See how we get product data