Nearpays

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.