The complete Nigerian payments platform.
Give your customers a digital wallet, instant bank transfers, airtime top-ups, and bill payments — in a single, CBN-compliant product.
Compliance Coverage
- CBN Consumer Protection Framework
- Nigeria Data Protection Act 2023
- NIBSS NIP Integration
- AML/CFT — MLPPA 2022
- Tiered KYC (Tier 1, 2, 3)
- PCI-aligned data handling
What's included
Everything your customers need to pay.
Digital Wallet Accounts
Customers get a fully functional digital wallet with a unique account number. Store value, receive funds, and transact — without a traditional bank account.
Instant Bank Transfers
Send and receive money to any Nigerian bank account in real-time via the NIBSS Instant Payment (NIP) rails. Transfers settle in under 5 seconds.
Airtime & Data Top-Up
Let customers recharge any Nigerian network directly from their wallet. MTN, Airtel, Glo, and 9Mobile — all from one interface.
Utility & Bill Payments
Pay electricity, cable TV, water, and other utility bills without leaving the platform. Supports AEDC, IKEDC, EKEDC, DSTV, GOtv, and more.
Agent-Assisted Onboarding
A dedicated agent network enables face-to-face customer onboarding in underserved areas, extending your reach beyond the digital-first population.
Tiered KYC & Compliance
BVN/NIN verification, tiered account limits, and automated transaction monitoring — designed to meet CBN KYC/AML requirements at every level.
How it works
Simple for users. Powerful under the hood.
Create your wallet
Users sign up and complete KYC verification. A wallet account with a unique number is provisioned instantly.
Fund your account
Top up via bank transfer to your wallet account number. Funds are available in real-time.
Transact with ease
Pay bills, buy airtime, send money, or transfer to any bank — all from one dashboard or mobile app.
Ready to get started with NillarPay?
Open an account, explore the dashboard, or contact our team to discuss integration options.