The
Smarter Way to
Get Paid
No cards. No complications. Just simple, secure payments that grow your business.
Built for Payment Success
Tired of failed transfers and annoying payment errors? Pay by App increases your transaction success rate—even when traditional methods fail.
Up to 95% success rate- Designed for high-speed payment completion
- Works across multiple banks and devices
- Less stress for your customers
Faster Payments, Fewer Steps
No more juggling between screens or waiting on OTPs. Customers can complete payments faster, directly within the app with no friction
- Just select, confirm, and done
- No manual account entry
- Auto-verification for repeat payments
- Gets you paid in seconds
Instant Settlement
Forget waiting hours or days. Pay by App gives you immediate access to your money.
- Money hits your wallet or bank instantly
- Smooth payout reports and tracking
- No batching or overnight delays
- Boosts your income
Zero Chargebacks
Once a payment is made, it’s yours. No reversal surprises or fake alerts, just reliable, final payments every time.
- No fake alerts or fraudulent reversals
- No risk of chargebacks
- Transparent, traceable transactions
- You stay in control
Accessible to More Users
Even people without cards can now pay.
- No card or POS required
- Works even on low-spec devices
- Perfect for digital creators, SMEs, and agents
- Payments without the usual barriers
Grow Faster With Pay by App
Better Experience. Lower fees. Higher margins.
Up to
95%
Success Rate
Fewer failed transactions mean more completed payments and happier customers, giving your business a consistent cash flow
Customers save
₦500K
in transaction fee annually
By skipping card networks and avoiding unnecessary intermediaries, Pay by App keeps more money in your customers’ and your business’s pocket.
Reduce Dropoff Rates by
40%
in Transactions
Our frictionless checkouts remove the barriers that cause customers to abandon their carts, helping you seal more deals with ease.
How Pay by App helps your business grow
Boost sales with faster payments that increase conversion rates by 40%
Lower cost by cutting out intermediaries and reducing fraud-related fees by up to 50%
Stop fraud with secure bank-level authentication and no exposure to card-based risks
Scale confidently with a system that handles high-volume transactions with zero downtime
Drive repeat purchases by offering a seamless in-app experience that improves customer retention.
Gain real-time insights into payment behaviors and trends with integrated analytics and app-based tracking.
Whether you're running a storefront or a digital platform, Pay by App makes payments faster, safer, and more efficient for growth.
How Pay by App Can
Help You.
See how Pay by App simplifies payments for your business — online or offline.
E-commerce Stores
Faster checkouts and fewer abandoned carts with secure, bank-powered payments that let customers pay securely without ever entering card information.
In-Person Transactions
Perfect for physical stores and pop-ups — customers scan, pick their bank, and pay instantly through their app.
E-commerce Stores
Faster checkouts and fewer abandoned carts with secure, bank-powered payments that let customers pay securely without ever entering card information.
In-Person Transactions
Perfect for physical stores and pop-ups — customers scan, pick their bank, and pay instantly through their app.
Pay by App
Frequently Asked Questions
Find clear answers to the questions our users ask most so you can make informed decisions faster.
Pay by App is a secure way for your customers to pay directly from their bank accounts—no cards, no intermediaries. It’s faster, safer, and more cost-effective than traditional methods.
Integration is quick and developer-friendly. Our API comes with full documentation, SDKs, and sandbox environments so your team can go live in days—not weeks.
Yes. Pay by Bank uses open banking rails and bank-level authentication. Customers make every payment through their banking app, and your business avoids chargebacks and card fraud.
Most payments settle instantly, giving you access to your funds almost immediately.
We support major Nigerian banks via open banking infrastructure.
Built for Payment Success
Tired of failed transfers and annoying payment errors? Pay by App increases your transaction success rate—even when traditional methods fail.
- Up to 95% success rate
- Designed for high-speed payment completion
- Works across multiple banks and devices
- Less stress for your customers
Faster Payments, Fewer Steps
No more juggling between screens or waiting on OTPs. Customers can complete payments faster, directly within the app with no friction
- Just select, confirm, and done
- No manual account entry
- Auto-verification for repeat payments
- Gets you paid in seconds
Instant Settlement
Forget waiting hours or days. Pay by App gives you immediate access to your money.
- Money hits your wallet or bank instantly
- Smooth payout reports and tracking
- No batching or overnight delays
- Boosts your income
Zero Chargebacks
Once a payment is made, it’s yours. No reversal surprises or fake alerts, just reliable, final payments every time.
- No fake alerts or fraudulent reversals
- No risk of chargebacks
- Transparent, traceable transactions
- You stay in control
Accessible to More Users
Even people without cards can now pay.
- No card or POS required
- Works even on low-spec devices
- Perfect for digital creators, SMEs, and agents
- Payments without the usual barriers
Grow Faster With Pay by App
Better Experience. Lower fees. Higher margins.
Up to
95%
Success Rate
Fewer failed transactions mean more completed payments and happier customers, giving your business a consistent cash flow
Customers save
₦500K
in transaction fee annually
By skipping card networks and avoiding unnecessary intermediaries, Pay by App keeps more money in your customers’ and your business’s pocket.
Reduce Dropoff Rates by
40%
in Transactions
Our frictionless checkouts remove the barriers that cause customers to abandon their carts, helping you seal more deals with ease.
How Pay by App helps your business grow
Boost sales with faster payments that increase conversion rates by 40%
Lower cost by cutting out intermediaries and reducing fraud-related fees by up to 50%
Stop fraud with secure bank-level authentication and no exposure to card-based risks
Scale confidently with a system that handles high-volume transactions with zero downtime
Drive repeat purchases by offering a seamless in-app experience that improves customer retention.
Gain real-time insights into payment behaviors and trends with integrated analytics and app-based tracking.
Whether you're running a storefront or a digital platform, Pay by App makes payments faster, safer, and more efficient for growth.
How Pay by App Can
Help You.
See how Pay by App simplifies payments for your business — online or offline.
E-commerce Stores
Faster checkouts and fewer abandoned carts with secure, bank-powered payments that let customers pay securely without ever entering card information.
In-Person Transactions
Perfect for physical stores and pop-ups — customers scan, pick their bank, and pay instantly through their app.
E-commerce Stores
Faster checkouts and fewer abandoned carts with secure, bank-powered payments that let customers pay securely without ever entering card information.
In-Person Transactions
Perfect for physical stores and pop-ups — customers scan, pick their bank, and pay instantly through their app.
Pay by App
Frequently Asked Questions
Find clear answers to the questions our users ask most so you can make informed decisions faster.
Pay by App is a secure way for your customers to pay directly from their bank accounts—no cards, no intermediaries. It’s faster, safer, and more cost-effective than traditional methods.
Integration is quick and developer-friendly. Our API comes with full documentation, SDKs, and sandbox environments so your team can go live in days—not weeks.
Yes. Pay by Bank uses open banking rails and bank-level authentication. Customers make every payment through their banking app, and your business avoids chargebacks and card fraud.
Most payments settle instantly, giving you access to your funds almost immediately.
We support major Nigerian banks via open banking infrastructure.
