Terms of use
The service
Paga is a wallet on your phone for use at a bar or an event. Each fita exists only for the event it was opened for, and is used to pay for drinks at that event.
Top-ups
Money loaded onto a fita belongs to the customer until it is spent. Top-ups are made with M-Pesa, e-Mola or a card.
Paying at the bar
A payment is charged only when the barman confirms the order after checking it. Scanning a payment code moves no money. Codes change every 15 seconds and expire after a minute.
Refunds
For ten minutes after a payment, the customer can ask for a refund by showing the refund code to the barman. The amount goes back onto the fita.
Withdrawals and fees
Any remaining balance can be withdrawn to M-Pesa or e-Mola. Paga charges a fee on withdrawals, shown together with the amount and what will arrive before the customer confirms.
Shared fitas
Whoever opens a shared fita decides which members may spend and which may withdraw. Every member sees the top-ups and payments on the fita.
Account name
Payments and top-ups are recorded under the account name. For that reason the name cannot be changed once it is set.