The Smarter Way to Take Control of Your Money
Experience seamless digital transactions, instant airtime & data top-ups, bill payments, virtual cards, and gift card redemptions—all in one powerful platform.
Supporting Brands Behind Smipay
Accessible Publishers
Oxygen FM
Best in Print
Smart Edu Hub
Buy Books
Best TechAccessible PublishersOxygen FMBest in PrintSmart Edu HubBuy BooksBest TechAll Your Financial Needs In One Place
Access a comprehensive range of digital financial services designed to make your life easier and finances smarter.
Always Stay Connected
Buy airtime and data anytime without stress. Top up for yourself, friends, or family in seconds, across all major networks in Nigeria. No need to rush out or look for a vendor — fast, reliable, and transparent payments that keep you talking, browsing, and online whenever you need it.
Power Your Home Smoothly
No more darkness or last-minute panic. Pay your electricity bills instantly, whether for home or business, and get your token immediately. We support major electricity providers nationwide, making it easy to stay powered and in control with secure payments and complete transaction history.
Entertainment Without Interruptions
Renew your cable subscription in a few taps and keep the movies, sports, news, and family programming running. Quick payments, instant activation, and no queues or customer service stress. Just smooth access to your favorite channels, whenever you want.
Learning Made Easy
Pay for school fees and educational services across the country without paperwork or long lines. From WAEC and JAMB to institutional fees and learning platforms, everything happens in one place — secure, fast, and stress-free. Helping students focus on learning while we handle the payments.
Your Everyday Naira Card
Make secure online payments within Nigeria without exposing your main bank details. Your Naira virtual card gives you full control — set spending limits, track every transaction, and enjoy safe, seamless payments for shopping, bills, subscriptions, and services across local platforms.
Your Card for Global Payments
Shop and pay on international websites with ease. Your Dollar virtual card lets you make global purchases, manage online subscriptions, and handle foreign transactions confidently. Enjoy secure payments, flexible funding, and real-time tracking — all without needing a physical dollar account.
Turn Gift Cards into Real Value
Buy, sell, or redeem gift cards from top international brands at competitive rates. Whether you are sending a gift or converting unused cards into cash, the process is fast, secure, and straightforward. No hidden conditions — just real value in minutes.
Why Our App Makes Life Easier
A simpler, faster, and more secure way to handle everyday payments and financial tasks.
All Your Daily Payments in One Place
No need to jump between multiple apps or stand in queues. From airtime and electricity to cable, school payments, and online shopping, everything happens in one platform. This saves time, reduces stress, and gives users a central place to manage their money and everyday transactions.
Instant Payments
The app processes transactions quickly, giving users immediate results. Electricity tokens drop fast, cable subscriptions activate at once, and airtime or data top-up reflects immediately. When users need speed — especially in urgent moments — the app delivers.
Safe and Transparent
Users can track every kobo spent, review past transactions, and monitor all activity in real time. Secure virtual cards and strong protection systems keep personal and financial information safe, reducing the risk of fraud and giving users full peace of mind.
Save More and Stress Less
No transport cost, no agent fees, no hidden deductions. Users get better control of their money, spend with intention, and avoid the typical inconvenience of paying bills the traditional way. The app helps them handle important payments with ease and affordability.
All Your Daily Payments in One Place
No need to jump between multiple apps or stand in queues. From airtime and electricity to cable, school payments, and online shopping, everything happens in one platform. This saves time, reduces stress, and gives users a central place to manage their money and everyday transactions.
Instant Payments
The app processes transactions quickly, giving users immediate results. Electricity tokens drop fast, cable subscriptions activate at once, and airtime or data top-up reflects immediately. When users need speed — especially in urgent moments — the app delivers.
Safe and Transparent
Users can track every kobo spent, review past transactions, and monitor all activity in real time. Secure virtual cards and strong protection systems keep personal and financial information safe, reducing the risk of fraud and giving users full peace of mind.
Save More and Stress Less
No transport cost, no agent fees, no hidden deductions. Users get better control of their money, spend with intention, and avoid the typical inconvenience of paying bills the traditional way. The app helps them handle important payments with ease and affordability.
All Your Daily Payments in One Place
No need to jump between multiple apps or stand in queues. From airtime and electricity to cable, school payments, and online shopping, everything happens in one platform. This saves time, reduces stress, and gives users a central place to manage their money and everyday transactions.
Instant Payments
The app processes transactions quickly, giving users immediate results. Electricity tokens drop fast, cable subscriptions activate at once, and airtime or data top-up reflects immediately. When users need speed — especially in urgent moments — the app delivers.
Safe and Transparent
Users can track every kobo spent, review past transactions, and monitor all activity in real time. Secure virtual cards and strong protection systems keep personal and financial information safe, reducing the risk of fraud and giving users full peace of mind.
Save More and Stress Less
No transport cost, no agent fees, no hidden deductions. Users get better control of their money, spend with intention, and avoid the typical inconvenience of paying bills the traditional way. The app helps them handle important payments with ease and affordability.
Users Who Love the Experience
See how the platform is helping users save time, money, and stress every
day.
"Fruitful kind bearing for. It doesn't fruit man open earth the our lights he one seas don't wherein one called, creature lesser spirit shall called."
Oluwapelumi Akindele
Play-store review
"Fruitful kind bearing for. It doesn't fruit man open earth the our lights he one seas don't wherein one called, creature lesser spirit shall called."
Oluwapelumi Akindele
Play-store review
"Fruitful kind bearing for. It doesn't fruit man open earth the our lights he one seas don't wherein one called, creature lesser spirit shall called."
Oluwapelumi Akindele
Play-store review
Got Questions? We've Got Answers
Everything you need to understand how the platform works
You can use your virtual dollar card for online payments anywhere international cards are accepted like e-commerce sites, subscription services, and digital platforms.
You can use your virtual dollar card for online payments anywhere international cards are accepted like e-commerce sites, subscription services, and digital platforms.
You can use your virtual dollar card for online payments anywhere international cards are accepted like e-commerce sites, subscription services, and digital platforms.
You can use your virtual dollar card for online payments anywhere international cards are accepted like e-commerce sites, subscription services, and digital platforms.
You can use your virtual dollar card for online payments anywhere international cards are accepted like e-commerce sites, subscription services, and digital platforms.
Make Life Easier with One Download
Download the app and start making everyday payments faster, easier, and more secure. No stress, no long processes, just smooth transactions whenever you need them.
