---
title: "PayXpress: Payment Gateway in Nigeria"
description: "Pay bills, buy airtime/data, and collect payments in Nigeria via cards, USSD, QR, bank transfer or API—plus invoices, storefront & cashback."
canonical_url: "https://liners.com/payxpress"
markdown_url: "https://liners.com/payxpress.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/payxpress/screenshot.webp?v=1788616038185"
published_at: "2026-03-16T09:00:52.611Z"
updated_at: "2026-10-07T09:44:29.398Z"
---

# PayXpress: Payment Gateway in Nigeria

Pay bills, buy airtime/data, and collect payments in Nigeria via cards, USSD, QR, bank transfer or API—plus invoices, storefront & cashback.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [PayXpress](/payxpress)

## Summary

Accept, collect, and disburse payments across channels

A digital payments platform for African businesses and consumers to pay bills, collect payments, transfer funds, and manage transactions via wallet, USSD, cards, QR, and API.

## Product details

| Field | Value |
| --- | --- |
| Website | https://payxpress.com/ |
| Tagline | Accept, collect, and disburse payments across channels |
| Primary country | Nigeria |
| Platforms | Web, Android, iOS, API |
| Average rating | 4 |
| Published reviews | 2 |
| Verified listing | No |

## About the product

**PayXpress** is a digital payments platform offering electronic payments, collections, bill payments, and funds disbursement in Nigeria. It provides value-added services including airtime, data, electricity, other utilities and bills payment.

Key capabilities include:

- **PayXpress for individuals**: Buy **airtime and data**, pay **electricity and other utility bills**, and use a **wallet** for wallet-to-wallet transfers. It also includes **cashback** on transactions and a **referral system** for earning cash backs.
- **PayXpress for businesses**: Accept and collect payments through **cards, bank transfers, USSD, QR codes, and Xpress Wallet**. Businesses can also access **funds disbursement, biller services, analytics and reporting**, and **API integration** for connecting payment services to their existing applications and workflows.

Available on **Web**, **Android**, and **iOS**, with **developer API** access for integrations.

Target users include Nigerian individuals and consumers who need digital payments, wallet services, airtime, data, utility bill payments, and cashback rewards, as well as businesses that need payment collection, biller services, funds disbursement, and API integrations.

Notable in the local market context, PayXpress is operated by **Xpress Payment Solutions Limited**, a Nigerian payment services company that states it is **licensed by the Central Bank of Nigeria**.

## 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
- [Payment Gateway](/tags/payment-gateway): Product feature or technology
- [Nigeria](/countries/nigeria): Market

## Related pages

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

## Access and citation

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