Simplicity in payments.
Power in one app.
Gift cards, transfers, cards, savings, and live rates, all from one account.
Our partners
What's inside
Everything you need.
One account.
Gift Cards
Buy and sell 500+ gift card brands at the best rates. Apple, Amazon, Netflix, Xbox, Steam, and hundreds more, delivered instantly.
Airtime & Data
Top up airtime and data bundles for any network instantly. MTN, Airtel, Glo, and 9mobile, 24 hours a day, zero downtime.
Live Rates
Real-time crypto and fiat exchange rates with a built-in converter. Always know the right moment to buy or sell.
Virtual Numbers
Get US, UK, Canadian, and Australian numbers for OTP verification and privacy. Receive SMS from any service worldwide.
Send Money
Instant transfers to any Nigerian bank account or PPAY user worldwide. Settles in under 10 seconds, zero peer-to-peer fees.
Virtual & Physical Cards
Create a USD virtual card for online shopping in seconds, or order a premium physical card accepted everywhere Mastercard is.
Savings
Set goals, automate deposits, and earn up to 8.5% APY. Track your wealth visually as you build toward what matters most.
WhatsApp Bot
Full PPAY access without the app. Trade OTC, swap crypto, sell gift cards, buy airtime, and check live prices, all via a WhatsApp message.
Gift Cards
Shop any brand.
Best price, always.
Buy or sell gift cards across gaming, entertainment, food, shopping, and finance, at the best market rates, instantly.
Virtual & Physical Cards
Your card.
Everywhere.
Create a USD virtual card instantly for online shopping, or order a premium physical Mastercard delivered to your door. Both managed from one sleek dashboard.
Live Rates
Always know
the best rate.
Real-time crypto prices, multi-currency fiat rates, and a built-in converter, so you always act at exactly the right moment.
More than airtime.
Airtime & DataTop up any network, instantly.
Bill Payments
Top UpSend Money
Money moved
at the speed
of thought.
Transfer to any Nigerian bank or PPAY user worldwide. Settles in under 10 seconds with zero fees on peer-to-peer sends.
Savings
Save smarter.
Grow faster.
Set goals, automate deposits, and earn up to 8.5% APY. Track multiple goals as your money grows every single day.
Virtual Numbers
A global number.
In seconds.
Get US, UK, Canadian, Australian, and European numbers for OTP verification and privacy, 10+ countries, ready when you are.
Full PPAY.
No app needed.
Access your PPAY wallet entirely through WhatsApp. Trade OTC, swap crypto, sell gift cards, buy airtime, and track live prices, all with a simple text message. No download required.
Here's the short version of why people move their money through PPAY.
Bank-level security.
Biometric authentication and end-to-end encryption protect every single action on your account.