Everyday banking without the extra steps.
Send and receive money, manage your balance, and pay for what matters — all from your PayKip account.
Explore payments A smarter way to move money
Money moves better when you feel in control.
Everyday banking, safer online selling, and more room to grow — together in one PayKip account.
Built for clarity. Designed around your security.
Your account overview · Illustrative previewSecure account
YOUR TOTAL BALANCE
₦2,450,800.00
Send moneyAdd moneyCardsSave
Money in, at a glanceBalance activity
This month⌄₦1,284,500 +12.8%
01 Jun07 Jun14 Jun21 JunToday
Recent activitySee all
Market BasketToday · Card payment−₦18,500
Salary paymentYesterday · Transfer+₦450,000
Payment receivedVerified by PayKip+₦45,000
You're in controlEvery transaction, clear
Built around the things that matter
3 stepsto get started0%SafePay fee for eligible merchants during the 30-day pilot₦0extra Soundbox hardware
A better way to bank
Your money, working together.
From the first transfer to your next big idea, PayKip brings the tools you need into one thoughtfully connected experience.
Know what’s real before you act.
Verified payment alerts help you spot a completed transfer — not just a convincing screenshot.
Payment confirmedPayKip verified · Just now
Make progress feel possible.
Build a saving habit with KipVault or bring your Ajo group together, right inside PayKip.
Explore KipVault & AjoSimple from the start
Create your account A few taps to a clearer picture.
Get set up at your pace. PayKip keeps the essentials close, so your next money move feels easy to understand.
Start with your account
Sign up and complete the identity checks needed for your account.
Bring your money together
Fund your wallet and see your transactions in one clear activity feed.
Choose what’s next
Make a payment, set money aside, or share a SafePay link for your next sale.
One app, more possibilities
The right tools for real life.
PayKip brings together practical ways to pay, save, and do business — with the detail and care your money deserves.
MOVE WITH CONFIDENCE
Payments that keep up.
Send money, pay bills, and keep track of what’s coming in and going out.
Explore paymentsTo Amina Yusuf −₦25,000Electricity bill −₦18,500Transfer received +₦75,000
SafePay escrow.
Help buyers shop with confidence and give sellers a clearer path from order to payout.
Discover SafePay1Paid securely2Order delivered3PIN confirmed
Your phone becomes a Soundbox.
Hear a clear voice alert when an incoming payment is verified — no separate hardware required.
Meet the SoundboxREADY FOR A BIGGER WORLD
More ways to manage your money.
Explore virtual cards, multi-currency accounts, and foreign payment options with PayKip.
Explore cards & currencies₦NGN$USD£GBP€EUR
Your money, in focus
See the story behind your balance.
A clear overview helps you understand where your money is, what it’s doing, and what you might want to do next.
- One view for your balances and activity
- Spot incoming and outgoing payments
- Keep your next step close at hand
9:41●●● ▰
Good morning, AmaraYour balance₦2,450,800.00
SendAddCardsSave
PayKip•••• 2841
₦ 2,450,800ACCOUNT BALANCEPAYKIPRecent activitySee all
MMarket BasketToday · Card payment−₦18,500↓Salary paymentYesterday · Transfer+₦450,000Security comes firstWith every money move
Clear by design
The value is clear. So is the cost.
Start with the PayKip tools that fit you today. Any applicable charges are shown before you confirm a transaction.
Personal
₦0to open an account
A PayKip account for the money moves you make every day.
- Naira wallet and transfers
- Virtual card options
- KipVault savings tools
- Bank Health Radar
Verified Merchant
0%first 30 days, then 1.5% capped
Tools for selling online, with SafePay and Soundbox in one place.
- SafePay payment links
- Verified Soundbox alerts
- Delivery PIN handover
- Merchant storefront tools
Enterprise
Customfor your operation
Talk with the team about escrow and payment tools for your platform.
- Escrow and marketplace workflows
- Courier and API integrations
- Support for your operation
- A plan shaped around your needs
Banking and transfer services are provided through licensed partners. Applicable terms and charges are shown in the app.
Built around trust
Made for the moments that matter.
For a seller waiting on payment, or a buyer ready to place an order, a little more clarity goes a long way.
“A buyer tried to show me a Photoshop debit alert for ₦85,000. PayKip’s Soundbox stayed silent, so I held onto my dresses until the payment was real.”
COChidinma OkaforBoutique owner · Lagos
“With SafePay and the delivery PIN, our Instagram customers can shop with more confidence, and our team has a clearer handover process.”
TBTunde BalogunOnline seller · Ikeja
“The order record and seal photo help make return conversations clearer. We can focus on what happened instead of relying on guesswork.”
FAFatima Al-HassanSmall business owner · Abuja
Merchant stories are adapted from existing PayKip marketing content and are not independently verified.
Learn a little more
Browse resources Useful reads for your next step.
Explore PayKip’s products, how they work, and the standards behind them.
Good to know
Talk to our team Questions? We’ve got clear answers.
A few helpful details about getting started and using PayKip with confidence.
What is PayKip?
PayKip is a financial technology platform by Exonara Technologies that brings everyday payments, savings, cards, and safer online selling together in one place.
How does SafePay help buyers and sellers?
SafePay is designed for online and social-commerce purchases. Payment is held in the platform's escrow flow while an order is delivered, then released when the buyer confirms handover with their one-time PIN.
Can a payment screenshot confirm that I have been paid?
No. A screenshot or SMS is not proof of settlement. Check your PayKip balance or transaction history, and use the software Soundbox to hear an alert after a payment has been verified.
Do I need extra hardware to use the Soundbox?
No additional soundbox hardware is needed. The PayKip software Soundbox runs on a compatible smartphone and announces verified incoming payments.
Which currencies can I use?
PayKip is built around Nigerian Naira and supports multi-currency use cases including USD, GBP, and EUR. Availability depends on your account and the services offered in your market.
Are PayKip's banking and transfer services provided by a bank?
PayKip is a financial technology platform. Banking and transfer services are provided in partnership with licensed commercial bank and payment-switch partners.
Your next money move starts here
Make room for better money days.
Set up your PayKip account and bring more clarity to the way you pay, save, and sell.
PayKip is a product of Exonara Technologies.