---
title: "Cowry: Transport Payments in Nigeria — Download"
description: "Pay Lagos transport fares contactlessly, top up a wallet, book inter-state buses from Ojota, Yaba or Oshodi, and pay merchants via QR."
canonical_url: "https://liners.com/cowry"
markdown_url: "https://liners.com/cowry.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/cowry/screenshot.webp?v=1781549641230"
published_at: "2026-06-15T20:17:28.248Z"
updated_at: "2026-09-21T05:13:14.759Z"
---

# Cowry: Transport Payments in Nigeria — Download

Pay Lagos transport fares contactlessly, top up a wallet, book inter-state buses from Ojota, Yaba or Oshodi, and pay merchants via QR.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [Cowry](/cowry)

## Summary

Contactless payments for Lagos public transport and more

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.

## Product details

| Field | Value |
| --- | --- |
| Website | https://cowry.com.ng/ |
| Tagline | Contactless payments for Lagos public transport and more |
| Primary country | Nigeria |
| Platforms | Android, iOS, Web |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

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**.

## Features

- [Fintech](/categories/fintech): Category
- [B2C](/tags/b2c): Product feature or technology
- [Bill Payments](/tags/bill-payments): Product feature or technology
- [Mobile Money](/tags/mobile-money): Product feature or technology
- [QR Payments](/tags/qr-payments): Product feature or technology
- [Travel Booking](/tags/travel-booking): Product feature or technology
- [Nigeria](/countries/nigeria): Market

## Related pages

- [Alternatives](/cowry/alternatives)
- [Reviews](/cowry/reviews)
- [Transparency](/cowry/transparency)

## Access and citation

- [Canonical HTML page](https://liners.com/cowry)
- [Markdown route index](/sitemap.md)
- [Agent access guide](/llms.txt)