---
title: "Paywise: Money Transfers and Merchant Payments"
description: "Send and receive money in Nigeria using only a phone number + password—fund a wallet and pay merchants by phone or QR, from as low as ₦20."
canonical_url: "https://liners.com/paywise"
markdown_url: "https://liners.com/paywise.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/paywise/screenshot.webp?v=1772004158751"
published_at: "2026-02-25T18:27:42.456Z"
updated_at: "2026-08-29T03:03:53.492Z"
---

# Paywise: Money Transfers and Merchant Payments

Send and receive money in Nigeria using only a phone number + password—fund a wallet and pay merchants by phone or QR, from as low as ₦20.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [Paywise](/paywise)

## Summary

Send money and pay merchants using just a phone number

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.

## Product details

| Field | Value |
| --- | --- |
| Website | https://www.paywise.africa/ |
| Tagline | Send money and pay merchants using just a phone number |
| Primary country | Nigeria |
| Platforms | Android, iOS, Web |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

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.

## Features

- [Fintech](/categories/fintech): Category
- [Agent Network](/tags/agent-network): Product feature or technology
- [B2B](/tags/b2b): Product feature or technology
- [B2C](/tags/b2c): Product feature or technology
- [P2P](/tags/p2p): Product feature or technology
- [Nigeria](/countries/nigeria): Market

## Related pages

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

## Access and citation

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