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Payments, bills, cards, and invoicing for Nigeria
UfitPay
A payment platform for individuals and businesses to buy airtime and data, pay electricity and cable TV, transfer to Nigerian banks, and issue virtual cards via web, apps, USSD, and APIs.
UfitPay Product Overview
Is UfitPay Right for You?
Liners prepares and updates these highlights as product information changes. Editorial standardsBest For
- Nigerian bill payers
- Airtime and data resellers
What It Does Well
- Airtime and data top ups
- Electricity and TV bills
Things to Check
- Bank list supported
- Virtual card limits
About UfitPay
UfitPay is a payment and financial technology platform for individuals, merchants, and developers who need discounted bill payments, airtime and data top-ups, and fast transfers in Nigeria.
Key capabilities include:
- Bill payments for electricity, cable TV subscriptions, and other utility bills, with a quick vendor selection flow.
- Airtime and data purchase for major network operators, plus airtime-to-cash to convert excess airtime or accept airtime payments.
- Instant fund transfers to local Nigerian bank accounts, positioned as a lower-cost alternative to typical bank transfer charges.
- Virtual payments and collections, including virtual account numbers for receiving money, virtual Naira and Dollar cards (powered by VISA and Verve), Scan-to-Pay QR, and automated recurring payments.
Available on Web, Android, iOS, USSD, and via developer APIs and inline web scripts (for embedding “Pay with” checkout).
Target users include Nigerian consumers paying bills and topping up airtime, and businesses and developers that want collections, disbursements, virtual accounts, and virtual card capabilities through an app dashboard and API documentation.
Notable for the Nigerian market, it combines everyday bill payments with developer-facing tools, including plug-and-play APIs (bill payment, bank transfer, airtime and electricity vending, virtual banking, and virtual card APIs) and QR-based payments, with published fee examples for virtual accounts (fees may apply depending on account type and transaction size).
UfitPay Facts
Liners compiles product facts from official websites, app stores, documentation, trusted public sources, and details shared by product teams during editorial review. We also consider crowdsourced updates when they include verifiable evidence, and refresh facts as information changes. How we source dataOperates In
Official Links
Pricing & Fees
Variable pricingMultiple transaction and service fees apply. Merchant collections range from 1%–3.5% depending on the payment channel, while wallet, transfer, virtual-card and financial-data services have separate fixed or percentage-based fees. Custom pricing is available for exceptional transaction volumes.
As of Oct 5, 2026, UfitPay is rated 3.2 on Google Play from 69 reviews with 10K+ installs.
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Frequently Asked Questions About UfitPay
UfitPay is a payment and financial technology platform that lets you buy airtime and data, pay electricity and cable TV bills, transfer money to Nigerian bank accounts, and use virtual accounts and cards via web, mobile apps, USSD, and APIs. You fund an in-app wallet or linked accounts, then use it to make discounted payments, send transfers, accept payments, or issue virtual Naira and Dollar cards for local and international transactions.
UfitPay is a paid service with fees that vary by service type. Examples include a flat ₦50 per fund received on individual virtual accounts, about 1% (capped at ₦2,500) on payments received through corporate or third-party virtual accounts, and possible ₦50 stamp duty on transactions above ₦10,000, while many everyday payments and transfers are advertised at lower or almost zero charges compared with banks.
UfitPay primarily operates in Nigeria, where it supports bill payments, airtime and data purchases, and transfers to local bank accounts. Its virtual card services are available to users in multiple countries, including Nigeria, Kenya, Ghana, Ivory Coast, South Africa, Sierra Leone, Togo, Senegal, Cameroon, India, United States, United Kingdom, Algeria, Netherlands, Brazil, and Morocco.
You can sign up for UfitPay by visiting the UfitPay website and creating an account or by downloading the UfitPay mobile app and registering with your details. During onboarding you will typically provide personal information, verify your phone or email, and set up your wallet or virtual account before you can start making payments or transfers.
Yes, Ufitpay is available on iOS and Android. You can download Ufitpay on the App Store for iPhone, or get it on Google Play for Android.
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