---
title: "Velcro: Bill Payments in Nigeria"
description: "Send money, pay electricity, airtime/data, DSTV/GOtv/Startimes, and cash out USDC/USDT to Naira in Nigeria—via WhatsApp chat + links."
canonical_url: "https://liners.com/velcro"
markdown_url: "https://liners.com/velcro.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/usevelcro/screenshot.webp?v=1772094218289"
published_at: "2026-03-04T17:16:03.677Z"
updated_at: "2026-10-07T13:26:22.224Z"
---

# Velcro: Bill Payments in Nigeria

Send money, pay electricity, airtime/data, DSTV/GOtv/Startimes, and cash out USDC/USDT to Naira in Nigeria—via WhatsApp chat + links.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [Velcro](/velcro)

## Summary

Send money, pay bills, and cash out crypto via WhatsApp

A WhatsApp chat-based payments bot for Nigerians to send money, pay bills, buy airtime and data, and create payment links to collect Naira or crypto.

## Product details

| Field | Value |
| --- | --- |
| Website | https://www.usevelcro.com/ |
| Tagline | Send money, pay bills, and cash out crypto via WhatsApp |
| Primary country | Nigeria |
| Platforms | Chat Based, Web |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

Velcro is a WhatsApp-based payments and bill payment bot for individuals and small businesses in Nigeria that completes financial transactions through simple chat commands.

Key capabilities include:
- **Money transfers**: send and receive funds inside WhatsApp, including transfers between **bank accounts** (Bank → Velcro → Bank).
- **Bills and top-ups**: buy **airtime and data**, pay **electricity bills**, and renew **TV subscriptions** (DSTV, GOtv, Startimes); the service also supports other bill types shown on its site such as **WAEC** and **betting**.
- **Crypto ramp**: **top up with USDC/USDT** and **convert crypto to Naira** for spending or cash out from WhatsApp.
- **Payment links**: create **reusable payment links** to collect payments in **Naira or USDC**, plus **transaction history** and **instant receipts**.

Available on **WhatsApp** only (no separate app download required).

It targets Nigerian consumers such as **students, freelancers, and small business owners** who want to handle day-to-day transfers and bill payments without switching apps.

Velcro is notable in Nigeria’s fintech market for combining everyday bill payments with a **crypto-to-Naira** flow and **payment link collection** in a single WhatsApp conversation, with built-in account controls like **lock**, **freeze (lost phone)**, and **suspicious sender reporting**.

## Features

- [Fintech](/categories/fintech): Category
- [B2C](/tags/b2c): Product feature or technology
- [Bill Payments](/tags/bill-payments): Product feature or technology
- [Conversational AI](/tags/conversational-ai): Product feature or technology
- [Payment Links](/tags/payment-links): Product feature or technology
- [Nigeria](/countries/nigeria): Market

## Related pages

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

## Access and citation

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