Qitero Qitero

Paga

Country: Nigeria (NG)  |  Payment Rail: e_wallet

DigitalWallet Market Adoption: 30%

Paga is a pioneering Nigerian mobile money operator and agent network, supporting digital wallet transfers, merchant payments, and subscription billing.

🔄 User Payment Flow

  1. Customer selects Paga Wallet at merchant checkout
  2. Checkout opens Paga app or presents Paga login modal
  3. Customer enters Paga PIN or biometric auth to confirm payment
  4. Paga debits wallet balance and returns instant clearing token to merchant

⚙️ Characteristics & Settlement

Instant PaymentYES
Supports QRYES
Supports RecurringYES
Supports RefundYES

🛠️ Merchant Integration Steps

  • Merchant API calls acquiring gateway to request Paga checkout session
  • PSP issues payment token and Paga deep link
  • PSP receives Paga clearing callback and updates order status