[bisq-network/growth] Paga as a payment method (Issue #268)

[xineohp2021]

Payment methods are evaluated very carefully before being added to Bisq. Poorly integrating a payment method, or integrating a payment method that's not a good fit for Bisq's trading protocol, can be costly mistakes for Bisq's users and dispute resolution mechanisms.

As a result, we request that you add responses to the following questions so that we can better consider your suggestion.

Please answer to the best of your ability. The more thorough you can be, the more you'll help us out, and the quicker your suggestion can be evaluated and implemented.

### Why

_Why would Bisq benefit from adding this payment method? Is is popular in a particular region? More convenient? More safe?_
It is a popular method in Nigeria where banks currently 
### Region

_In which areas of the world can this payment method be used?_
Nigeria
### Currencies

_What currencies is this payment method for?_
NGN
### Chargeback risk

_How easy is it to cancel a payment once it's made? This is the most important characteristic of a payment method._

### Size of user base
 _Do you know how many people use this payment method?_
Over 19 million user-base.

### Data requirements

_What information **must** a user provide to a counterparty to accept a payment?_
cellphone or email
### Verification

_How can payments be verified? Examples: TLSNotary is typically used for electronic payments, and receipt scans are typically used for money orders._

> 5.3.
> Each transaction will be identified by a unique 5-character Transaction ID, which is used to track and identify all transactions carried out on the Paga network. This number is important for a variety of uses, including dispute resolution.
> 5.4.
> Paga will send you a receipt of all transactions effected from your Paga Account or performed at an Agent; this message may be sent via SMS, email, or another available channel.

### Duration

_How long do payments take? Please provide a range, as the advertised best-case scenario rarely accounts for edge cases._
No range; P2P payment is described as instant.
### Fees

_Does it cost anything to make a transfer using this payment method? If so, how much?_
P2P payment is free of charge; except 7.5% VAT.
### Fraud risk

_How easy or difficult is fraud with this payment method?_
https://www.mypaga.com/paga-web/customer/static/company/terms
> 5.1.
> You may access the available funds in your Account or Wallet at any time using any of the channels you choose, including your mobile phone and the Internet. While we make every reasonable attempt to provide the services as described in our marketing and educational materials, we offer the services "as is" and without any warranties.
> 5.2.
> All payments will be processed in Nigerian local currency i.e. Naira and Kobo.
> 5.3.
> Each transaction will be identified by a unique 5-character Transaction ID, which is used to track and identify all transactions carried out on the Paga network. This number is important for a variety of uses, including dispute resolution.
> 5.4.
> Paga will send you a receipt of all transactions effected from your Paga Account or performed at an Agent; this message may be sent via SMS, email, or another available channel.
> 5.5.
> Some transactions on Paga’s USSD channel may require you to input your pre-configured PIN, you are solely responsible for maintaining the confidentiality of your PIN and login details of your Account. You must protect the secrecy of your PIN and login details and prevent fraudulent use of the same.
> 5.6.
> As required by the CBN, there are daily limits on your Account or Wallet. You can increase or reduce these limits by providing Paga with the required information, subject to the restrictions placed in terms of paragraphs 5.9.
> 5.7.
> Your Account or Wallet will be credited with any deposits made into it, and the credit will be available for transactions immediately after they are cleared.
> 5.8.
> We will verify and confirm any record of a deposit into your Account. Our records will be taken as correct unless the contrary is proved.

### Payment amounts

_What is the minimum or maximum amount you can send with this payment method?_
Minimum is 1 NGN; maximum is 5,000,000 NGN
### Payment description

_Can a note be added when sending payment with this payment method (would be useful to include the Bisq trade ID)?_
Yes


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