ZojaPay

ZojaPay is a Nigerian digital finance app for individuals and small businesses that combines loan access, bill payments, money transfers, and a payment card in one wallet.

Key capabilities include:

• Loans for different needs: quick cash (up to ₦50,000, advertised 14 days at no interest), personal loans (up to ₦250,000, ≥5% per month), salary advance (up to ₦500,000, 2.5% per month), and business/capital loans (up to ₦500,000, ≥4% per month). The website also references business capital amounts up to ₦5,000,000.
• Bill payments with cashback: pay for electricity, airtime, mobile data, and TV/cable subscriptions (examples shown include DSTV and EKEDC), with up to 1.5% cashback credited to the wallet.
• Transfers in Nigeria: send money to any Nigerian bank (the site states transfers can arrive in under 10 seconds) and transfer to other users with zero charges.
• ZojaPay card: a Verve-powered card for POS payments in Nigeria and online purchases, with in-app controls such as the ability to freeze the card.

Available on Web, Android, and iOS.

Built primarily for Nigerian salary earners, market traders, entrepreneurs, and consumers who need short-term credit, everyday bill payment, and local bank transfers in naira.

Notable in the Nigeria fintech market for combining loans, cashback bill payments, and a card under one app, and for stating that financial services are provided by Xpress Wallet and Providus Bank, described as licensed by the Central Bank of Nigeria, with deposits insured by the NDIC.