Kongapay

KongaPay is a Nigerian mobile money and payments platform for individuals and businesses that need a wallet for transfers, bill payments, savings, and tools to collect and manage payments.

Key capabilities include:

• Send money to any bank in seconds, plus single and bulk transfers for paying staff and vendors.
• Payments acceptance for businesses, including a payment gateway and payment links for collecting money remotely (useful for social sellers and merchants).
• POS and operations tools, with POS terminal management, a central dashboard, real-time reporting, and inventory management for tracking and optimizing stock.
• Savings and rewards, including K-Save plans (₦5,000 minimum, 1 month minimum; 20% to 24% per annum depending on duration) and loyalty rewards (up to 6% per annum on wallet balances over ₦50,000).

Available on Web, Android, iOS, and via API.

It serves individuals managing day-to-day money needs (transfers, bills, savings) and Nigerian SMEs that require payment collection, POS oversight, and inventory tracking.

Notable in Nigeria for combining consumer wallet features with business payment operations, and for its focus on bank-grade security, end-to-end encryption, and transparent fees and transaction tracking. For support, contact .