---
title: "IDA Pay: Digital Wallet in Nigeria"
description: "Send and receive Naira in Nigeria: instant wallet, bank or email transfers, pay bills (all 10 DISCOs), use a virtual Naira Mastercard + QR."
canonical_url: "https://liners.com/ida-pay"
markdown_url: "https://liners.com/ida-pay.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/idapay/screenshot.webp?v=1782544587869"
published_at: "2026-06-27T07:45:57.188Z"
updated_at: "2026-10-01T08:52:41.346Z"
---

# IDA Pay: Digital Wallet in Nigeria

Send and receive Naira in Nigeria: instant wallet, bank or email transfers, pay bills (all 10 DISCOs), use a virtual Naira Mastercard + QR.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [IDA Pay](/ida-pay)

## Summary

One wallet for transfers, bills, and online card payments

A Nigerian digital wallet for individuals to send and receive Naira, pay bills, use a virtual Naira Mastercard, and accept payments via an API for partner apps.

## Product details

| Field | Value |
| --- | --- |
| Website | https://idapay.app/ |
| Tagline | One wallet for transfers, bills, and online card payments |
| Primary country | Nigeria |
| Platforms | Web, API |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

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.

Available on **Web** and via a **REST payment gateway API** (JSON), including per-app **test and live API keys**, **payment initialization and verification**, **webhooks**, and **transaction tracking by app and product**.

Built for **Nigerian consumers** who want a personal wallet for transfers, bills, and online payments, plus **B2B2C teams** whose apps need to accept payments and manage user wallets.

Notable in Nigeria for supporting BVN and NIN **KYC verification** for compliance and higher limits, listing **CBN Licensed** status, and powering payments for connected local services such as **NaijaStay**, **EagleEye**, **Towman**, and **Maviram**, with a **full transaction history and audit trail** across apps.

## Features

- [Fintech](/categories/fintech): Category
- [B2C](/tags/b2c): Product feature or technology
- [Bill Payments](/tags/bill-payments): Product feature or technology
- [Neobanks](/tags/neobanks): Product feature or technology
- [Payment Gateway](/tags/payment-gateway): Product feature or technology
- [QR Payments](/tags/qr-payments): Product feature or technology
- [Virtual Cards](/tags/virtual-cards): Product feature or technology
- [Nigeria](/countries/nigeria): Market

## Related pages

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

## Access and citation

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