ARE YOU A PAYER?
Money that makes Nigerians smile.
Pay bills, buy airtime and data, send money and top up your wallet — all in one joyful app, with honest fees and no hidden charges.
₦50,000.00
Wallet funded · 3 seconds
Airtime delivered
MTN · ₦1,000 · Instant
8
Services in one app
₦0
To open your account
36 + FCT
States covered
24h
Support response time
Built for the way Nigeria pays.
Pay every bill in one place
Send money home in seconds
Top up your wallet from any bank
Everything money, thoughtfully built
The features Nigerians actually need — designed to be fast, honest and safe.
The Paya Wallet
Your own Paya account number. Fund it by simple bank transfer and it is credited automatically.
PIN-protected payments
Every payment needs your four-digit transaction PIN. No PIN, no money moves.
Ask Paya, your AI helper
Just say “pay my electricity bill” and your assistant walks you through it, step by step.
Verified transfers
We confirm the account name with the bank before a single naira leaves your wallet.
Instant meter tokens
Prepaid electricity tokens appear on your receipt the moment your payment completes.
Receipts you can keep
Every payment ends in a downloadable, shareable receipt with its own reference number.
One app, every payment
Three steps. That's all.
Create your account
Sign up in about a minute with just your email. No paperwork to get started.
Fund your wallet
Send a transfer to your personal Paya account number — it is credited automatically.
Pay for anything
From airtime to exam PINs — pick a service, confirm the details, enter your PIN. Done.
Everything money. One app.
Your everyday money, made simple. Create your free account today.
Get the Paya app on your phone
Open your browser menu (⋮) and choose Install app or Add to Home Screen to get Paya on your phone — no app store needed.