What is IDA Pay and how does it work?

IDA Pay is a Nigerian digital wallet that lets you fund a wallet in Naira, send and receive money, pay local bills, and use a virtual Naira Mastercard for online card payments. You can transfer to other users instantly via wallet tag, bank account number, email, or QR code, and partner apps can route their payments through the same wallet.

What countries does IDA Pay operate in?

IDA Pay operates in Nigeria and is built specifically for Nigerian Naira transfers, bill payments, and local services.

How do I sign up for IDA Pay?

You can sign up for Idapay by visiting the IDA Pay website and creating a personal wallet account, completing BVN/NIN-based KYC verification to unlock higher transaction limits.

Does IDA Pay have a mobile app?

Availability is confirmed on the web, but specific Android or iOS mobile apps are not documented, so mobile app support is .

Who is IDA Pay best suited for?

IDA Pay is best suited for individual Nigerian consumers who want a single wallet for transfers, bills, and online payments, as well as Nigerian apps and services that need to accept payments and manage user wallets via an integrated gateway.

Does IDA Pay have a plan for teams or businesses?

Yes, IDA Pay supports businesses and teams through its payment gateway API, allowing partner apps to accept payments, manage user wallets, and track transactions across products.

Does IDA Pay offer an API or integrations?

Yes, IDA Pay offers a public API. View the official Idapay API documentation for endpoints, authentication, and integration guides.

IDA Pay: Overview, Features, Pricing & Funding

IDA Pay is a Nigerian digital wallet for individuals and partner apps that need a single place to send and receive Naira, pay everyday bills, and manage payments across connected services.

Key capabilities include:

Wallet transfers and withdrawals in Naira, with instant transfers to a wallet tag (@username), bank account number, or email.
Bill payments for airtime, data, electricity (all 10 DISCOs), and cable TV (including MTN, PHCN, and DStv).
A virtual Naira Mastercard for online payments, with controls to freeze/unfreeze the card and set spending limits.
QR code payments using a personal QR code to receive peer-to-peer payments instantly.