The smarter
way to manage
money.
Gift cards, airtime & data, live rates, virtual numbers, instant transfers, cards, offline payments, and savings, one app.
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.
NearPay
Our proprietary offline payment technology. Send and receive money between nearby devices with zero internet, a world first.
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.
Over 500 brands across gaming, entertainment, food, shopping, and finance, bought or sold 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.
- Real-time crypto market data
- Multi-currency fiat rates
- Built-in currency converter
- Instant price alerts
Airtime & Data
Top up any
network instantly.
Buy airtime and data bundles for any Nigerian network in seconds. The cheapest plans, available round the clock.
Send 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.
NearPay. Offline Payments
Pay without
the internet.
PPAY's proprietary NearPay enables device-to-device payments with zero internet. Built for markets, rural areas, and anywhere connectivity runs out.
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 available.
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.
Your entire financial
life in one app.
Be among the first to manage your entire financial life with PPAY. Free to download. No hidden fees.
Free · No credit card required · iOS & Android