Airtime/Data: Allows Paga users to buy airtime/data on all networks in Nigeria.

How it Works

The Paga user (Customer or Agent) logs into his/her Paga account via the App, USSD or Web and selects “Buy Airtime/Data”. The user enters/uploads the transaction details (customer name, phone number, amount and remark). Paga Platform confirms all details entered are correct by the validation against the Telco’s Phone Numbers using Paga's phone portability subscription. 

Paga sends a transaction request to the Telco for verification and to validate the transaction details. The transaction is then processed. The Telco gives Airtime/Data value to the recipient and debits Paga’s account. Paga debits the Telco’s account with the value of the transaction. Telco sends a response to Paga to confirm the transaction was processed successfully to the beneficiary or if the transaction failed.

Points of Possible Failure (POF) for Airtime Transactions.

Points of failures are scenarios that truncate the smooth operationalisation of the transaction. These are issues that may lead to situations where the Paga user/recipient is not credited with the value of the transaction. Below are points of failure for Airtime Transactions

A. Paga Platform and the Telco: The transaction may fail to get to the Telco after being processed on Paga. 


  • Check with the transaction ID on integration

  • Collect details and escalate the transaction

BThe transaction may also fail between the Telco and the Recipient: The beneficiary may fail to receive value for the transaction after been processed.


  • Check with the transaction ID on integration

  • If successful, give the customer/agent receipt number as proof to contact the merchant.

  • Collect details and escalate if the transaction is not successful on integration.

  • If successful on integration and the receipt number is found under MESSAGE on integration, advise agent/customer to contact the Merchant/Telco with the receipt number for further resolution.

  • If the agent/customer returns after contacting the Telco with the receipt number generated on integration, collect details and escalate.