Ngozi K.
paid DSTV Compact
₦2,000
9 mins ago
Amaka S..
paid Glo Data 5GB
₦2,000
15 mins ago
Chidi A.
got Quick Cash
₦50,000
2 mins ago
Fatimah O.
paid Airtime
₦1,000
Just now
Taiwo J.
earned Cashback
₦450
18 mins ago
Bella I.
got Salary Advance
₦200,000
11 mins ago
Adeze M.
paid IKEDC Electricity
₦5,500
4 mins ago
Ngozi K.
paid DSTV Compact
₦2,000
9 mins ago
Amaka S..
paid Glo Data 5GB
₦2,000
15 mins ago
Chidi A.
got Quick Cash
₦50,000
2 mins ago
Fatimah O.
paid Airtime
₦1,000
Just now
Taiwo J.
earned Cashback
₦450
18 mins ago
Bella I.
got Salary Advance
₦200,000
11 mins ago
Adeze M.
paid IKEDC Electricity
₦5,500
4 mins ago
Skip the Queue,
and Settle
Every Bill.
Airtime, data, and electricity handled in seconds, right from your pocket. No agents, no downtime, no stories.
Delivered Instantly
Approved in 2mins
Cashback Earned
+₦1,500
Ngozi K.
₦2,000
₦2,000
9 mins ago
Amaka S..
₦2,000
₦2,000
15 mins ago
Chidi A.
₦50,000
₦50,000
2 mins ago
Fatimah O.
₦1,000
₦1,000
Just now
Taiwo J.
₦450
₦450
18 mins ago
Bella I.
₦200,000
₦200,000
11 mins ago
Adeze M.
₦5,500
₦5,500
4 mins ago
Ngozi K.
₦2,000
₦2,000
9 mins ago
Amaka S..
₦2,000
₦2,000
15 mins ago
Chidi A.
₦50,000
₦50,000
2 mins ago
Fatimah O.
₦1,000
₦1,000
Just now
Taiwo J.
₦450
₦450
18 mins ago
Bella I.
₦200,000
₦200,000
11 mins ago
Adeze M.
₦5,500
₦5,500
4 mins ago
Works with Every Major Biller
Built for the bill you need to pay right now,not the bank queue you don't have time for.
Instant, Everytime
Airtime lands in seconds. Electricity tokens generate before you've put your phone down.
Total Transparency
No hidden charges, no surprise fees. The amount you see is the amount that leaves your account.
Bank Grade Security
Every payment is encrypted end-to-end. Your bill details and balance stay yours, and only yours.
Real Time Alert
Get notified the moment a payment lands — token, confirmation, and receipt, sent straight to your phone.
One App, Every Biller
Networks, discos, cable, and more — saved billers and repeat payments in two taps, not ten.
People, not bots
If something doesn't go through, real support is on hand to make it right — fast.
Watch a Bill get paid in under 10 seconds.
No theory this is exactly what happens every time you pay a bill on ZojaPay. Step through the live flow below.
No theory this is exactly what happens every time you pay a bill.
Select the Biller
Pick from Airtime, Data, Electricity, and more.
Enter Amount
Specify exactly what you want to pay.
Confirm your Pin
Secure your transaction instantly.
Payment Process
Handling the handshake with the provider.
Delivered
Earn cashback immediately in your wallet.
Pay bills, the moment it hits.
You shouldn't need an agent or a bank to keep your lights on. Every biller, right in your pocket 24/7.
Electricity tokens delivered to your phone in under 10 seconds, every time
Available at midnight, 3am, or any time NEPA strikes — payment never sleeps
Every transaction is insured and receipted — your proof of payment, always accessible
Save your meter number, phone numbers, and cable IDs for one-tap repeat payments
Always On
24 / 7 / 365
Last Payment
+₦5,500
IKEDC · Token Sent
Your Cashback This Month
₦4,800
Earned across 23 transactions
Every Bill you Pay. Pays you back.
Most apps charge you to pay bills. ZojaPay pays you. Earn real cashback on every airtime top-up, electricity, data and cable TV payment.
Cashback on every transaction — no minimum spend.
Redeem directly to your wallet — real cash, not points.
Transparent tracking and instant receipts on every payment.
<10s
Average Payment Time
20,000
Active Users
99.9%
Success Rate
₦0
Hidden Charges
Three taps between you and a settled bill.
Open Your Account
Sign up with your phone number in under 3 minutes. No branch visits, no BVN queues — just you and your phone.
Fund Your Wallet
Top up from any Nigerian bank using your ZojaPay account number. Instant credit, zero transfer fees.
Pay — Then Earn
Pick your biller, confirm the amount, and done. Cashback lands in your wallet with every payment. Simple.
YOUR COMPLETE FINANCIAL TOOLKIT
Beyond Loans. Cards, Transfers, Bills - One App.
One app for everything apply for credit, pay your bills, send money, and spend anywhere with your Zoja card.
Your whole wallet, one tap away.
The Zojapay card works everywhere money moves - swipe at any POS terminal in Nigeria, pay on Amazon, Aliexpress, or any website worldwide, and freeze it in one tap if anything feels wrong.
Works at every POS Terminal in Nigeria.
Verve powered - shop globally.
Charged for your card delivery.
Your Money, Your Way
Secure Payment
Easy Delivery
Easy Control
Instant Transfer
Send money, in seconds
Send money anywhere in Nigeria. Instantly.
Transfer to any bank in Nigeria and it lands in under 10 seconds. Send to ZojaPay users at zero charges, 24/7.
Arrives in under 10 seconds
Any Nigerian bank supported
Free transfers to ZojaPay users