Skip to content
Get the app

Money that moves like a message.

Send naira by username, pay bills, receive euros, and spend with a dollar card.

Coming soonApp Store Coming soonGoogle Play

Send money

They receive
₦0

Demo only. No money moves.

One app, many currencies.

Hold naira and euros today. Dollars and pounds are coming soon.

Naira

  • Send to friends by username
  • Send to any Nigerian bank
  • Pay airtime, data, power and TV
  • Collect money on your own NGN account number
Coming soon

US dollars

  • Hold dollars
  • Spend online with a USD virtual card

Euros

  • Receive euros on a EUR account
  • Convert when you are ready
Coming soon

British pounds

  • Hold pounds
  • Convert to or from your other wallets
Amaka @amaka

Dinner was ₦8,500 each. Abeg send your part.

Sending now.

Demo only. No money moves.

Pay a friend, or just say it in chat.

Your username is your payment address. No account numbers to copy, no bank to pick.

  • Pay by username

    Type a username, see who you are paying, and send. It arrives instantly.

  • Friends and requests

    Send a friend request, accept one, or block someone for good.

  • Money inside chat

    Send naira without leaving the conversation.

Bank transfers and account numbers of your own.

Pay anyone with a Nigerian bank account, and give people a way to pay you.

Send naira to any Nigerian bank

Pick a bank, enter the account number, and send.

See who you are paying

The account holder's name shows up before you send, so you always know who gets your money.

Your NGN account number

Get an NGN virtual account. Money sent to it lands in your Paymata wallet.

A EUR account for euro payments

Verify once with an ID document, then receive euros on a EUR virtual account.

Turn your euros into naira.

Receive euros on your EUR account, then convert them to naira whenever you are ready.

EUR

Euro wallet

NGN

Naira wallet

  1. Choose an amount

    Enter how many euros you want to convert and see what you get in naira.

  2. Confirm

    Review the conversion and confirm it in one step.

  3. Spend your naira

    The naira lands in your wallet, ready for transfers and bills.

Paymata Visa

•••• •••• •••• 0000

USD Active

Demo only. The number is a sample.

A dollar card for the whole internet.

Pay for subscriptions, ads and online shops with a USD virtual card you control from your phone.

  • Create

    Pick Visa or Mastercard. Then your card is ready.

  • Fund

    Top up the card from your wallet.

  • Withdraw

    Move money from the card back to your wallet whenever you like.

  • Freeze

    Pause the card in one tap and unfreeze it just as fast.

  • Delete

    Close a card for good when you no longer need it.

Pay your bills without leaving the app.

Airtime, data, electricity, TV and more, in a few taps.

  • Pay in seconds

    Top up airtime and data, pay for electricity, renew cable TV and fund betting, all from your wallet.

  • Check before you pay

    We confirm the number or meter first, so the payment goes to the right place.

  • Money back if it fails

    If a payment does not go through, the money is released to your wallet.

Pay your bills daily. Get paid back.

Every day you buy airtime, data or electricity extends your streak. Hit a milestone and choose cashback or free data.

7 days

Weekly Warrior

  • Unlocks at

    3 days

    Cashback or free data

  • Unlocks at

    7 days

    Cashback or free data

  • Unlocks at

    14 days

    Cashback or free data

  • Unlocks at

    30 days

    Cashback or free data

  • Starter Flame3
  • Weekly Warrior7
  • Fortnight Fire14
  • 30-Day Legend30
  • Unstoppable60
  • Century Champion100

Claim a reward by completing any airtime, data or electricity payment.

More control over your money.

Two-factor sign in, verified accounts and automatic refunds keep every payment in your hands.

  • Two-factor sign in

    Turn on an authenticator app so a stolen password is not enough.

  • Verified accounts

    Confirm your identity once with your BVN or NIN to unlock transfers, accounts and more.

  • Freeze in one tap

    Lost your phone or card? Freeze it from the app and unfreeze when you are ready.

  • Stay in control of your circle

    Accept requests from people you know and block anyone you do not.

  • Failed payments come back

    If a bill payment does not go through, the money is released to your wallet.

  • Easy account recovery

    Forgot your password? Reset it by email and get back in.

Questions, answered.

The details people ask about before they send their first naira.

Which currencies can I hold?

Naira and euros today. Dollar and pound wallets are coming soon. The USD virtual card is already available.

Do I have to verify my identity?

Bank transfers, conversions, virtual accounts and cards need verification with your BVN or NIN. Bill payments need a verified email.

Which bills can I pay?

Airtime, data, electricity, cable TV and betting top-ups, all from your naira wallet.

What if a payment fails?

If a bill payment fails, the money is released back to your wallet and you get a notification.

How do streaks work?

Pay for airtime (₦50 or more), data or electricity every day. At 3, 7, 14 and 30 days you can claim cashback or free data. Missing a day resets the streak.

Can I use WhatsApp?

Yes. Link your number in the app, ask for a payment in WhatsApp, then approve it on a secure page with a one-time code.

How do I find a friend to pay?

Search by username in the app, send a friend request, and once they accept you can pay them or chat.

Where can I download the app?

The PAYMATA app is available on the App Store and Google Play.

Get Paymata on your phone.

Create your account and verify your identity. Then send your first naira.

Coming soonApp Store Coming soonGoogle Play