---
title: "Payora: Bill Payments and Money Transfer App"
description: "Buy airtime/data in seconds, pay electricity, water, TV & internet bills with no extra charges, and send money (intl 1–3 days) in Nigeria."
canonical_url: "https://liners.com/payora"
markdown_url: "https://liners.com/payora.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/payora/screenshot.webp?v=1775854313652"
published_at: "2026-04-10T21:02:52.272Z"
updated_at: "2026-08-30T16:25:14.385Z"
---

# Payora: Bill Payments and Money Transfer App

Buy airtime/data in seconds, pay electricity, water, TV & internet bills with no extra charges, and send money (intl 1–3 days) in Nigeria.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [Payora](/payora)

## Summary

Recharge, pay bills, send money, and manage virtual USD cards

A financial app for individuals and businesses to buy airtime and data, pay utility bills, transfer money locally or internationally, trade gift cards, and create virtual USD cards.

## Product details

| Field | Value |
| --- | --- |
| Website | https://www.payora.app/ |
| Tagline | Recharge, pay bills, send money, and manage virtual USD cards |
| Primary country | Nigeria |
| Platforms | Web, Android, iOS, API |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

Payora is an all-in-one digital payments and trading platform for individuals and businesses that want to recharge mobile lines, pay bills, transfer money, trade gift cards, and create virtual USD cards.

Key capabilities include:
- **Mobile recharge** for airtime and data bundles across networks with **automated delivery within seconds**.
- **Bill payments** for **electricity, water, TV, and internet** from multiple providers, with **no extra charges** stated on the website.
- **Money transfers** with **instant processing for most transfers**; international transfers can take **1 to 3 business days** depending on destination and banking partner.
- **Gift card trading** (buy and sell) with **instant processing and verification**, plus **virtual USD card creation** for online payments funded from the in-app balance.

Available on **Web**, **Android** (Google Play), and **iOS** (App Store), with a **Developer API** for integrating payment features into apps and websites.

It primarily serves **B2C users** such as students, travelers, business owners, and everyday consumers, while also supporting **B2B** use cases through enterprise solutions and API access.

Notable in a Nigeria-first context (Port Harcourt address; operated by **Orbital Labs Limited**), it bundles common everyday payments and digital value exchange in one place, backed by stated **bank-grade encryption**, **real-time monitoring**, and **24/7 support** (support@payora.app).

## Features

- [Fintech](/categories/fintech): Category
- [B2C](/tags/b2c): Product feature or technology
- [Bill Payments](/tags/bill-payments): Product feature or technology
- [Enterprise](/tags/enterprise): Product feature or technology
- [Gift Cards](/tags/gift-cards): Product feature or technology
- [Virtual Cards](/tags/virtual-cards): Product feature or technology
- [Nigeria](/countries/nigeria): Market

## Related pages

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

## Access and citation

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