What is Nearpays and how does it work?

Nearpays is a fintech platform that simplifies online and point-of-sale payments using AI-powered Soft POS, virtual dollar cards, mobile banking, and business management tools. Merchants download the Nearpays app on their smartphone or tablet to accept contactless payments instantly without bulky hardware, leveraging advanced encryption, tokenization, and real-time security features for safe transactions.

What countries does Nearpays operate in?

Nearpays operates in Nigeria and Ghana.

Does Nearpays have a mobile app?

Yes, Nearpays is available on iOS and Android.

Who is Nearpays best suited for?

Nearpays is best suited for small and medium-sized enterprises (SMEs) in Africa, such as retail shops, cafes, and craft businesses needing simple payment acceptance.

How do I contact Nearpays support?

Contact Nearpays support through their their email at support@nearpays.com or check the app for in-app support options.

Does Nearpays have a plan for teams or businesses?

Yes, Nearpays offers business management tools, virtual accounts for businesses, and platform solutions with merchant dashboards for teams.

Does Nearpays offer an API or integrations?

Yes, Nearpays offers an API, SDK for integrations, and supports platforms with integrations management.

Nearpays

🇳🇬 Nigeria 🇬🇭 Ghana

A full-service payments platform for African businesses and consumers to accept contactless card payments, send and receive money, pay bills, and use virtual cards.

Use it on:Web Android· 4.1 iOS· 3.3

Is Nearpays right for you?

Best for

Shops taking walk-ins
Mobile sales teams
Businesses without POS
Bill payment agents
Virtual card users

What it does well

NFC tap to pay
USSD payment flows
POS card acceptance
Bill payments
Virtual cards

Things to check

Nigeria and Ghana rollout
Phone NFC requirements
USSD network support
Settlement timelines
Billers and categories

Nearpays is a full-service payment and money management platform for African businesses, merchants, and consumers who need online payments, contactless in-person card acceptance, and everyday financial services.

Key capabilities include:

Virtual POS with NFC Tap to Pay, enabling merchants to accept contactless card payments using an NFC-enabled smartphone (no separate POS hardware required)
USSD payments to support customers without smartphones, internet access, or bank accounts, useful for serving rural and unbanked users
Business tools and dashboards for monitoring transactions and gaining real-time insights; the platform also supports operational management across multiple locations
Consumer finance features such as send and receive money, bill payments, airtime and data purchase, USD and NGN savings (including fund locking and interest), and a virtual dollar card for online spending

Available on Web, Android, and iOS, with APIs and SDKs for businesses that want to integrate payments into their own apps.

It serves a B2B2C audience, including SMEs and multi-branch merchants (retail, food and beverage, professional services, healthcare, beauty and wellness) plus individuals who need mobile banking features.

Nearpays is notable in Nigeria and Ghana for expanding access to digital payments through smartphone-based Tap to Pay and USSD, and for emphasizing security with PCI DSS certification.

As of Jun 22, 2026, Nearpays is rated 3.3 on the App Store from 12 reviews and 4.1 on Google Play from 154 reviews with 5K+ installs.

Social Links:

Categories:

Fintech

Features & Business Model: