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Cowry
A Lagos transit and micro-payments app for riders and consumers to pay transport fares, top up a wallet, book inter-state bus trips, and pay merchants.
Cowry Product Overview
Is Cowry Right for You?
Liners prepares and updates these highlights as product information changes. Editorial standardsBest For
- Lagos commuters
- Public transport riders
What It Does Well
- Contactless fare payments
- Wallet top-ups
Things to Check
- Supported transport operators
- Works offline or not
About Cowry
Cowry is a mass transit and micro-payments app for public transport riders and everyday consumers in Lagos State, Nigeria.
Key capabilities include:
- Contactless transport payments for buses and other public transportation in Lagos State, with in-app trip payments and tracking
- Wallet top-ups to fund payments (supports bank transfers and cash top-up options)
- Inter-state bus booking for trips originating from Golden and Biode parks at Ojota, Yaba Terminal, and Oshodi Terminal 1, including trip selection, fare confirmation, and manifest details
- Everyday payments and add-ons, including Merchant Pay (QR-based merchant payments), charter services, airtime recharge, and consumers chat
Available on Android and iOS for consumers, with a web Merchant Pay Portal for merchants.
It primarily serves Lagos commuters and consumers, and also supports merchants and transport operators that accept payments through Merchant Pay.
Notable in Nigeria’s mobility ecosystem, it is described as the Lagos State mass transit payment partner and publishes usage figures of around 300k active users, 56M+ transactions, and 430k+ app downloads.
Cowry Facts
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Official Links
As of Oct 5, 2026, Cowry is rated 3.4 on the App Store from 57 reviews and 2.7 on Google Play from 2.4K reviews with 100K+ installs.
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Frequently Asked Questions About Cowry
Cowry is a Lagos mass transit and micro-payments app that lets you load a digital wallet and make contactless payments for public transport and everyday purchases. You fund your Cowry wallet (via bank transfer or cash), then tap or pay through the app to pay fares, track trips, book selected inter-state bus journeys, and pay participating merchants.
Cowry primarily operates in Nigeria, focused on the Lagos State mass transit system and inter-state bus trips that start from Lagos terminals.
You can sign up by downloading the Cowry app on your Android or iOS device and creating an account in the app, then setting up and funding your wallet to start making payments.
Yes, Cowry is available on iOS and Android. You can download Cowry on the App Store for iPhone, or get it on Google Play for Android.
Cowry is best suited for public transport riders and everyday consumers in Lagos who need to pay bus and other transport fares digitally, as well as merchants and transport operators who want to accept Cowry payments.
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