---
title: "Paga: Multi-Currency Wallet and Payments"
description: "Hold and spend NGN and USD in Nigeria: receive money from abroad, pay bills (incl. recurring), and use virtual/physical Visa cards."
canonical_url: "https://liners.com/paga"
markdown_url: "https://liners.com/paga.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/mypaga/screenshot.webp?v=1782412856870"
published_at: "2026-06-27T00:38:27.310Z"
updated_at: "2026-10-07T09:52:01.583Z"
---

# Paga: Multi-Currency Wallet and Payments

Hold and spend NGN and USD in Nigeria: receive money from abroad, pay bills (incl. recurring), and use virtual/physical Visa cards.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [Paga](/paga)

## Summary

One wallet to hold, send, and spend in NGN and USD

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.

## Product details

| Field | Value |
| --- | --- |
| Website | https://www.mypaga.com/ |
| Tagline | One wallet to hold, send, and spend in NGN and USD |
| Primary country | Nigeria |
| Platforms | Web, Android, iOS, API |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

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.

## Features

- [Fintech](/categories/fintech): Category
- [Cross-Border Payments](/tags/cross-border-payments): Product feature or technology
- [Multi-currency](/tags/multi-currency): Product feature or technology
- [Physical Cards](/tags/physical-cards): Product feature or technology
- [Virtual Cards](/tags/virtual-cards): Product feature or technology
- [Ethiopia](/countries/ethiopia): Market
- [Nigeria](/countries/nigeria): Market

## Related pages

- [Alternatives](/paga/alternatives)
- [Reviews](/paga/reviews)
- [Transparency](/paga/transparency)

## Access and citation

- [Canonical HTML page](https://liners.com/paga)
- [Markdown route index](/sitemap.md)
- [Agent access guide](/llms.txt)