---
title: ""
description: ""
canonical_url: "https://liners.com/ufitpay"
markdown_url: "https://liners.com/ufitpay.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/ufitpay/screenshot.webp?v=1787607156607"
published_at: "2026-09-01T16:58:42.913Z"
updated_at: "2026-09-02T13:23:31.348Z"
---

# 

## Breadcrumbs

- [Fintech](/categories/fintech)
- [UfitPay](/ufitpay)

## Summary

Discounted bills, airtime, transfers, and virtual payments

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.

## Product details

| Field | Value |
| --- | --- |
| Website | https://ufitpay.com/ |
| Tagline | Discounted bills, airtime, transfers, and virtual payments |
| Primary country | Nigeria |
| Platforms | Web, Android, iOS, API |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

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).

## 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
- [Direct Debit](/tags/direct-debit): Product feature or technology
- [Mobile Money](/tags/mobile-money): Product feature or technology
- [Payment Gateway](/tags/payment-gateway): Product feature or technology
- [QR Payments](/tags/qr-payments): Product feature or technology
- [Virtual Cards](/tags/virtual-cards): Product feature or technology
- [Nigeria](/countries/nigeria): Market

## Related pages

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

## Access and citation

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