---
title: "KongaPay: Money Transfers, Bill Payments and POS"
description: "Send money to any Nigerian bank, pay bills, run POS and inventory, plus K‑Save from ₦5,000 (1 month) earning 20–24% p.a."
canonical_url: "https://liners.com/kongapay"
markdown_url: "https://liners.com/kongapay.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/kongapay/screenshot.webp?v=1772094202981"
published_at: "2026-02-27T09:13:32.786Z"
updated_at: "2026-08-31T07:45:52.791Z"
---

# KongaPay: Money Transfers, Bill Payments and POS

Send money to any Nigerian bank, pay bills, run POS and inventory, plus K‑Save from ₦5,000 (1 month) earning 20–24% p.a.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [KongaPay](/kongapay)

## Summary

Mobile wallet, payments, and POS tools for Nigeria

A Nigerian mobile money platform for individuals and businesses to send money, pay bills, accept payments, and manage POS and inventory from one account.

## Product details

| Field | Value |
| --- | --- |
| Website | https://kongapay.com/ |
| Tagline | Mobile wallet, payments, and POS tools for Nigeria |
| Primary country | Nigeria |
| Platforms | Web, Android, iOS, API |
| Average rating | 5 |
| Published reviews | 1 |
| Verified listing | No |

## About the product

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 **helpdesk@kongapay.com**.

## Features

- [Fintech](/categories/fintech): Category
- [B2B](/tags/b2b): Product feature or technology
- [B2C](/tags/b2c): Product feature or technology
- [Bulk Payments](/tags/bulk-payments): Product feature or technology
- [Payment Gateway](/tags/payment-gateway): Product feature or technology
- [POS](/tags/pos): Product feature or technology
- [Nigeria](/countries/nigeria): Market

## Related pages

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

## Access and citation

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