Money that moves
like you do.
Pay bills, send cash, and manage your wallet in one calm, fast app built for the way Nigerians actually move money.
Total balance
₦450,000
Recent activity
Amara Nwosu
Transfer
-₦5,000
Blessing Okoro
Payment received
+₦15,000
MTN Airtime
Airtime
-₦2,500
One account for every kind of payment
From daily transfers to running a business, PayXpress brings your money together in a single, secure dashboard built for the web and mobile.
Instant transfers
Move money to any Nigerian bank in seconds. Save beneficiaries and repeat transfers with a single tap.
Airtime & bills
Top up airtime and data, and pay electricity, TV, and internet bills without leaving the app.
Virtual & physical cards
Create cards instantly, freeze them anytime, and control spending with granular limits.
Spending insights
See where your money goes with clear categories, monthly trends, and exportable statements.
Scheduled payments
Automate recurring transfers and bill payments so nothing slips through the cracks.
Shared & business
Manage personal and business money side by side with roles, approvals, and audit trails.
Your money is protected at every layer
We built PayXpress on the same standards trusted by regulated financial institutions, so you can move money with confidence.
Regulated & insured
CBN licensed · NDIC deposit insurance
uptime with 24/7 fraud monitoring on every transaction.
CBN regulated
Operating under Central Bank of Nigeria licensing and oversight.
NDIC insured
Eligible deposits are insured by the Nigeria Deposit Insurance Corporation.
Bank-grade encryption
Your data is protected in transit and at rest with 256-bit encryption.
Verified KYC
BVN and government-ID verification keep every account secure and compliant.