Fund your wallet
Top up through bank transfer or other payment channels, then use your balance for instant transactions.
A SOID Technologies product
Everyday payments, inside WhatsApp.
Fund your wallet, send money, and buy airtime and data without leaving the chat you already use every day. Simple, affordable and built for how Nigerians actually pay.
S
SoidPayIllustrative conversation
What you can do
Your money moves, in a chat
No separate app to learn. You message SoidPay on WhatsApp, and it takes care of the rest.
Send money
Make peer-to-peer transfers to other SoidPay users quickly, with the details shown before you approve.
Buy airtime
Top up your own line or someone else’s in a few messages, whenever you need it.
Mobile data
Subscribe to data plans straight from the chat without hunting for a vendor.
More payments
We are building more digital payment services over time, all through the same simple conversation.
Fees you can see
The cost of a transaction is shown before you confirm it.
How it works
Three steps, no learning curve
- 01
Message SoidPay
Open the SoidPay chat in WhatsApp and tell it what you want to do: fund, send, or buy airtime or data.
- 02
Approve with your PIN
Confirm the details, then enter your PIN on a secure screen that opens inside WhatsApp.
- 03
Done instantly
You get a confirmation in the chat, and your balance updates. Anything that fails is reversed or refunded within 24 to 48 hours.
Trust & security
Built on licensed rails
SoidPay is a technology platform. We work with licensed payment processors and service providers for collections, transfers and value-added services, and we design the experience so that it is simple to use and hard to misuse.
Licensed partners
Payments are carried out through licensed payment service providers, not by an unregulated middleman.
Identity verification
Identity checks run through our partner's KYC process, which connects to NIBSS.
Secure PIN screen
Your PIN is entered on a protected screen inside WhatsApp, never typed into a normal message.
Clear refunds
If a transaction fails, it is reversed or refunded within 24 to 48 hours.
Who it's for
Made for everyday Nigeria
Our mission is to simplify digital payments and promote financial inclusion with a secure, transparent and accessible experience for people across Nigeria.
StudentsCheap, quick top-ups and transfers on the app you already use.
ProfessionalsHandle everyday payments in seconds between meetings.
Entrepreneurs & small businessesCollect, send and pay without extra tools or paperwork.
Everyday consumersA simple, reliable way to manage digital payments.
Ready to try SoidPay?
Visit soidpay.com to get started, or talk to us about partnerships and integrations.
SoidPay is a technology platform operated by SOID Technologies Limited (RC 9848284). Payments are processed through licensed payment partners. The conversation shown on this page is an illustration.