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# Nigeria Mobile Money

> Mobile wallet operators and approval flows for Nigeria (NGA) on CrissCross.

Nigeria (`NGA`) is served by mobile **wallets** rather than the carrier-run USSD wallets used elsewhere in the region. Set `payerDetails.location` to `NGA` on the checkout session and pass the operator's `provider` slug on the payment. The operators enabled for your account are configured during onboarding.

For how a payment works, what you collect, sandbox testing, and error codes, see the [Mobile Money overview](/payment-method-mobile-money). For the end-to-end API sequence, see [Direct API: Mobile Money](/direct-api-integration-mobile-money).

### Operators

| Operator | `paymentDetails.provider` | Approval flow   |
| -------- | ------------------------- | --------------- |
| Paga     | `paga`                    | Wallet approval |
| OPay     | `opay`                    | Wallet approval |
| PalmPay  | `palmpay`                 | Wallet approval |