---
title: "Nearpays: Tap to Pay, Money Transfer and Bills"
description: "Accept contactless card payments in Nigeria with NFC Tap to Pay on an NFC-enabled phone (no POS). Pay bills, buy airtime/data, and save in USD/NGN."
canonical_url: "https://liners.com/nearpays"
markdown_url: "https://liners.com/nearpays.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/nearpays/screenshot.webp?v=1771639072561"
published_at: "2026-02-21T10:46:05.943Z"
updated_at: "2026-10-06T18:55:17.903Z"
---

# Nearpays: Tap to Pay, Money Transfer and Bills

Accept contactless card payments in Nigeria with NFC Tap to Pay on an NFC-enabled phone (no POS). Pay bills, buy airtime/data, and save in USD/NGN.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [Nearpays](/nearpays)

## Summary

Accept card payments with NFC Tap to Pay and USSD

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.

## Product details

| Field | Value |
| --- | --- |
| Website | https://www.nearpays.com/ |
| Tagline | Accept card payments with NFC Tap to Pay and USSD |
| Primary country | Nigeria |
| Platforms | Web, Android, iOS |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

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**.

## Features

- [Fintech](/categories/fintech): Category
- [B2B](/tags/b2b): Product feature or technology
- [B2C](/tags/b2c): Product feature or technology
- [Bill Payments](/tags/bill-payments): Product feature or technology
- [POS](/tags/pos): Product feature or technology
- [Savings](/tags/savings): Product feature or technology
- [USSD](/tags/ussd): Product feature or technology
- [Virtual Cards](/tags/virtual-cards): Product feature or technology
- [Nigeria](/countries/nigeria): Market

## Related pages

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

## Access and citation

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