What is Shago Payments and how does it work?

Shago Payments is a fintech company that provides an app for bill payments, airtime and data purchases, fund transfers, account opening, e-commerce, flight and bus bookings, and other digital services. It works by offering a single platform where users, agents, and merchants can access these services, with a focus on serving rural communities, the unbanked, and underserved populations in Nigeria.

How much does Shago Payments cost?

Shago Payments does not have a fixed public subscription cost and instead charges users mainly through transaction-based fees and commissions depending on the specific service being used.

What countries does Shago Payments operate in?

Shago Payments operates in Nigeria.

How do I sign up for Shago Payments?

Download the Shago app from your app store or sign up on the web version at shagopayments.com.

Does Shago Payments have a mobile app?

Yes, Shago Payments is available on iOS and Android.

Who is Shago Payments best suited for?

Shago Payments is best suited for individuals, agents, merchants, and rural communities needing bill payments, fund transfers, e-commerce, and digital services, especially the unbanked and underserved.

How do I contact Shago Payments support?

Contact Shago Payments support through their 24/7 customer service, available via the app or website.

Does Shago Payments have a plan for teams or businesses?

Yes, Shago Payments offers services for businesses, merchants, vendors, and agents through its corporate platform.

Does Shago Payments offer an API or integrations?

Shago’s website includes a dedicated API request form under their corporate section for businesses that want to integrate their systems with Shago’s services. This typically means Shago has API endpoints for partner use (e.g., bill payments, transactions, agent services) but you must request access first.

Shago Payments

🇳🇬 Nigeria

A Nigerian fintech platform for individuals, agents, and merchants to pay utility bills, buy airtime and data, transfer funds, shop online, and book travel.

Use it on:Web Android iOS· 3.3API

Is Shago Payments right for you?

Best for

Nigerian bill payers
Airtime and data buyers
Travel booking customers
Money transfer senders
Agents and merchants

What it does well

Utility bill payments
Airtime and data top-ups
Money transfers
Online shopping payments
Travel booking

Things to check

Supported billers list
Transfer fees and limits
Agent commission setup
Payout speed
Remittance options

Shago Payments is a fintech e-market platform in Nigeria for individuals, agents, and merchants to complete everyday electronic transactions, including payments and digital service purchases.

Key capabilities include:

Utility and bill payments for services such as electricity, cable TV, education, and toll fees, plus airtime and data recharge.
Bank transfers and account services, including sending money to other banks (listed as free on the website), real-time receipt, account opening, and withdrawals.
Commerce and bookings, including e-commerce shopping, bus ticket booking, and flight booking.
Additional digital services listed on the site, such as an examination result checker, betting, and on-demand services.

Available on Web, Android, and iOS, with an API option listed on the website.

Target users include B2C customers making payments and purchasing services, plus B2B2C agents and merchants who retail services through an agent network and earn commissions.

It is notable for its stated focus on rural penetration and financial inclusion in Nigeria, alongside an established partner ecosystem (billers, banks, telcos, and digital service providers) and an agent acquisition milestone of 3,000+ agents within its first year (founded in 2020).

As of Jul 6, 2026, Shago Payments is rated 3.3 on the App Store from 9 reviews.

Phone:+234 909 000 0448

Social Links:

Categories:

Fintech

Features & Business Model:

agent-network b2b2c bill-payments marketplace remittances