Send money
in seconds.
No IBAN. No long account numbers. No bank queues. PechPay lets anyone in Nigeria send and receive money instantly, and convert between NGN and major currencies at live rates.
Free to sign up · No monthly fees · Pay only when you transact
1
Country live today (Nigeria)
10+
Currencies convertible at live FX rates
1
Database round-trip per transfer
0
Manual reconciliation steps
Simple process
How PechPay works
Three steps. That's it. No paperwork, no waiting.
Create your account
Sign up in 60 seconds with your phone number or email. No paperwork, no branch visit required.
Add money to your wallet
Top up via bank transfer, card, USSD, or mobile money. Your balance is available instantly.
Send or receive anywhere
Send to any PechPay user, bank account, or mobile money wallet across 54 countries in seconds.
Everything you need
Built for Africa
Every feature designed for how money actually moves across the continent.
Instant transfers
Money moves in seconds, not days. Send across town or across borders — same speed, same low fee.
Bank-grade security
End-to-end encryption, biometric PIN, and real-time fraud detection on every transaction.
Multi-currency wallet
One NGN wallet, with live FX conversion into GHS, KES, ZAR, ETB, USD, EUR and more — at real, live exchange rates.
No bank account needed
Works with mobile money, USSD, and card. Anyone with a phone can send and receive money.
Merchant payments
Accept payments at your shop, market stall, or online store. Get paid via QR code or payment link.
Business & payroll
Run payroll, pay suppliers, collect invoices, and manage business finance — all in one dashboard.
Built for speed, honestly
No multi-step locking.
No partial failures.
Every transfer runs as one atomic database operation — debit and credit happen together, or not at all. That's what makes transfers feel instant, and it's verifiable in how the ledger is built, not a number we made up.
Atomic, single round-trip transfers
Debit and credit happen inside one database transaction via a single RPC call — no multi-step locking, no partial-failure states.
Idempotent by design
Every transaction gets a unique, cryptographically random reference. Retried requests never double-charge.
Constant-time PIN verification
PINs are hashed and compared with timing-safe equality checks, closing a common side-channel attack used against payment apps.
Refund-safe failure handling
If a transaction fails after your wallet is debited, the amount is automatically reversed — no money disappears in transit.
Preview · illustrative UI
Transfer successful
₦25,000.00
Ready when you are
Start sending money
today — for free.
Sign up in 60 seconds. No monthly fees. No hidden charges.
Pay only when you transact.
🇳🇬 Live in Nigeria · FX conversion to GHS, KES, ZAR, ETB, USD, EUR and more