About NaijaPay
We help international visitors spend in Nigeria with confidence — through licensed partners, transparent FX, and accountable delegation.
The problem
Visitors arrive in Lagos or Abuja with cards that get declined, FX rates they can't audit, and a maze of agents charging informal premiums. Sending money to a trusted local helper means losing visibility and recourse.
Our approach
NaijaPay is a thin orchestration layer over licensed Nigerian banking and FX partners. We do not hold funds — partners do, under regulatory oversight. We add the experience layer: KYC, multi-currency wallets, instant payments, delegation, and full auditability.
Principles
- Partner-led custody. Funds always sit with a licensed institution.
- Transparent FX. Quotes lock for 90 seconds, with the spread itemised.
- Auditable delegation. Caps, time windows, and a full action log.
- Accountable compliance. Every step-up and hold is logged and reviewable.