Paywise
A digital payments app for individuals and businesses in Nigeria to send money, fund a wallet, and pay merchants without ATM cards or smartphones using phone details or QR codes.
Paywise Product Overview
Is Paywise Right for You?
Liners prepares and updates these highlights as product information changes. Editorial standardsBest For
- Nigerian individuals
- Small business owners
What It Does Well
- Phone number payments
- Wallet top-ups
Things to Check
- Agent network reach
- Merchant acceptance points
About Paywise
Paywise is a digital payments app for individuals and merchants in Nigeria that enables money transfers and everyday transactions using a phone number and password, without relying on an ATM card or a smartphone.
Key capabilities include:
- Wallet funding and payments: Users can fund a wallet and use it to make low or high value payments.
- Merchant terminal payments: Customers can pay at merchant terminals by entering their phone details.
- QR code transactions for businesses: Businesses can generate unique QR codes that customers scan to complete payments.
- Send and receive money: Users can transfer funds and receive money to a linked phone number (the research brief notes NIN linkage).
Available on Android (Google Play Store) and iOS (App Store).
It targets B2C users (including market shoppers and traders making small payments) and B2B merchants that want to accept phone and QR-based payments.
In the Nigerian cashless payments context, it stands out for focusing on cardless, phone-first transactions that support both small, everyday purchases (as low as ₦20) and larger payments, with an emphasis on fast transfers and reduced waiting for alerts.
Paywise Facts
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Frequently Asked Questions About Paywise
Paywise is a payment platform that enables users to send and receive money using just a phone number and password, without needing an ATM card or smartphone. It works by downloading the app from the Play Store or App Store, setting up an account, funding your wallet, and making seamless payments, including QR code scanning and direct transfers to phone numbers linked to an NIN.
Paywise operates in Nigeria.
Download the Paywise app from the Play Store or App Store, install it, and set up your account by linking your phone number.
Yes, Paywise has a mobile app available on the Play Store and App Store.
Paywise is best suited for market people, businesses, and individuals needing fast payments without cards or smartphones, especially in cashless environments.
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