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Account to account payments

Collect instalment & recurring payments from bank accounts. Say goodbye to chasing payments. Confirm transfers instantly and receive your settlement immediately.

It's time for a modern approach to payments.

Join 10,000+ businesses embracing modern payments today

Four unique offerings

Take payments in your shop<br>

Take payments in your shop

Get a unique account for your business. In your business name. And free decals and stickers to display it. When customers transfer to it, your alerts and settlement are INSTANT and GUARANTEED.

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Collect from bank accounts<br>

Collect from bank accounts

With no integration or tech investment, simply upload your receivables and payables and we'd take care of it all after receiving your customer's consent. Money arrives in your account, customers get their receipts.

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Take online payments<br><br>

Take online payments

With a simple API, assign a unique account to each customer and when they transfer to it, we automatically reconcile against your system and forward the funds to your business account.

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Pay salaries efficiently<br><br>

Pay salaries efficiently

Send a single lump sum to a dedicated account, and we'd do the split to credit every employee instantly. Plus, our partner banks make salary advance loans available to all your employees from day one!

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Special Guest

In-store payments

Your customers no longer have to wait while your staff try to reach you to confirm payments.

Everything is now instant. Including reconciliation, refunds and final settlement to your bank account.

Special Guest

Recurring payments,
like magic

Without any API integration on your part.

We'd automagically generate a unique USSD code for you. Simply ask your customers to dial it, or upload their payment details and our system will take care of customer consent management and process your money when due. 

Want to try a demo?
Dial: *7006*31*000019#

It's for everyone

No matter your type of business or hustle, PaywithTransfer is the most efficient way to get paid. Your customers want it and your alerts are never delayed

Private schoolsAssociationsRestaurantsApps Religious bodiesShops & retailersCharitiesOpen markets Distributors Websites & appsCooperativesInsuranceSavings schemes

The benefits that matter

Instant confirmations

Instant confirmations

You no longer have to look through bank statements while keeping customers waiting. It's instant alerts & notifications to as many phone numbers as you want.

Instant settlement

Instant settlement

Every payment credits your actual bank account. In any bank. Just like you intended. You no longer have to wait till the next day to see your money.

Inventory finance

Inventory finance

Do you need credit to buy stock for your shop? Your PaywithTransfer payments count towards your credit limit. No stories.

Pricing that brings value

Pricing that brings value

We have made a conscious effort to keep the pricing competitive. Just enough to cover the alerts you get.



Michael, Pepsi Food Canteen

“I Instantly get alerts, the account also has my business name which avoid confusion from customers at the point of making transfers.“

Joy, Manager Christian Fluent Cosmetics

“When transfers are made by customers we get notification within a minute, the charges are normal and acceptable.

Abdullahi, Dan Koli

“I love how customizable the notifications are on this paywithtransfer product. I can choose to receive alerts for accounts or just specific one, even when I am not around.“

Ishaq, Tanimu ishaq provision

I used to feel anxious about making sure all my payments went through, but the notification feature on this payment product has given me peace of mind. I know I'll always be informed if there's an issue with any of my payments.“

Olawunmi, Olawumi stitches Empire

Since using the paywithtransfer with its notification feature, I no longer have to constantly check my bank account to see if transactions have gone through. I receive real-time notifications, which gives me peace of mind and allows me to focus on other things.“

Eugene, Airpeace Supervisor Lagos

“We've been using this payment product for our airline for months now, and the notification feature has made all the difference. It's so convenient to receive instant notifications when payments are processed, and it's helped us stay on top of our finances.“

Joseph, Lead Airpeace Benin

“Paywithtransfer for us at Airpeace is a lifesaver, especially when our passengers traveling for business. The notification feature ensures that I never miss a payment deadline and helps me stay organized. It's an excellent tool for managing expenses and staying on top of my finances.“

John, Airpeace Lagos.

“As a frequent flyer, I have used a lot of payment products in the past, but this one stands out because of its unique notification feature. It's convenient and easy to use, and the notifications are always timely and accurate. It saves me time and I highly recommend it to anyone who wants a hassle-free payment experience."

Timothy, Manager Airpeace Benin

"The payment console provided by paywithtransfer has made our payment tracking and reconciliation a breeze. We have been able to streamline our payment processes and are now able to focus on other areas of our business with confidence. Highly recommend!“

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