Mobile Money
4.5/5.0
Paga Review
Paga is a mobile payment company that allows users to send and receive money, pay bills, and buy airtime even without a smartphone, thanks to its massive agent network.
Tunde "Gadget" Bakare
Fintech Analyst • February 4, 2026
Key Information
Founded
2009
Headquarters
Lagos, Nigeria
Valuation
Private
Regulatory Reach
Nigeria, Ethiopia, Mexico
License Type
CBN Mobile Money Operator (MMO)
API Access
Available
What We Like
- Largest agent network for cash-in/cash-out
- Works without internet (USSD focus)
- Trusted for over a decade
- Great for financial inclusion
Areas for Improvement
- App interface is functional but basic
- Facing stiff competition from OPay/PalmPay
The Expert Verdict
"Paga remains the king of the "last mile," bringing financial services to the unbanked across Nigeria."
Key Products
1
Paga App2
Agent Banking3
Paga Collect4
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