NairaPay

NairaPay is the smarter way to recharge airtime, buy data, pay bills, send money, and even spend in USD online — all from one secure Nigerian app. Whether you're topping up your phone, paying NEPA, renewing DStv, shopping on a US-only store with a virtual card, NairaPay handles it in seconds. With support for every major Nigerian network, utility provider, and a USD virtual card you can spin up in under a minute, NairaPay is built for how Nigerians actually spend money today. WHY NAIRAPAY? — Instant airtime and data top-ups. Every major Nigerian network: MTN, Airtel, Glo, 9mobile — VTU and corporate gifting. — Cable TV in one tap. DStv, GOtv, Startimes, Showmax — renew or change plans. — Pay electricity bills directly. Prepaid token delivery or postpaid credit, instantly. — USD Virtual Cards. Generate a Visa/Mastercard virtual card in minutes for Netflix, Spotify, Amazon, App Store, or any international site that won't accept your Nigerian card. — Exam pins on demand. WAEC, NECO, JAMB — delivered to your inbox. — Free wallet-to-wallet transfers. Send to any NairaPay user instantly using just their phone number. — Bulk airtime & data. Recharge 20+ phone numbers at once. — Airtime-to-Cash (A2C). Convert unused airtime into wallet balance. — Referral rewards. Invite friends and earn from their transactions. — Contact picker. Buy airtime or data for a friend without typing their number. — Real-time alerts. Every credit and debit lands as a push notification with your full history one tap away. SECURE BY DESIGN — Bank-grade encryption end-to-end. — Biometric login (Face ID / Touch ID). — Transaction PIN required on every wallet debit. — Single-device session protection — log in from a new device and the old one signs out automatically. — Optional login alerts via email when a new device accesses your account. — Fully compliant with CBN AML/KYC regulations. EASY KYC Sign up in under 2 minutes with just your phone number and email. Upgrade to higher transaction limits and unlock USD virtual cards by verifying your BVN, NIN, or full KYC documents — all in-app, with instant verification. 24/7 SUPPORT Real human support team. Reach us anytime via the in-app chat, email [email protected], or our website at nairapay.ng. JOIN NAIRAPAY Download NairaPay now and join thousands of Nigerians who get their airtime, data, bills, transfers, and international online purchases handled — without ever leaving their phone.