Your Money.
Your Power.
Reimagined.
Nomapay is designed for fast, convenient bill payments and utility management. Users can pay for electricity, cable TV, airtime, data, and school fees via Nomapay app.
Download on the
App Store
Get it on
Google Play
Trusted by 500,000+ Nigerians
Good morning 👋
Amara Okafor
Total Balance
₦240,500.00
↑ +₦12,000 this week
Transactions
See all →
Salary — First Bank
Today
+₦120,000
Emeka Eze
2h ago
-₦5,000
MTN Airtime
Yesterday
-₦2,000
BVN Verified
KYC Complete
₦50,000 Sent
2 secs ago · Successful
Live transactions
₦2.1B+ processed
Active Users
Transactions Processed
Compliant
Encryption
Powered
Everything you need
in one app
Nomapay combines the best of digital banking with Nigerian payment rails — so you never have to leave the app for anything financial.
Instant Transfers
Send money to any Nigerian bank in seconds. Internal wallet-to-wallet transfers are instant and free.
Virtual Bank Account
Get a dedicated Wema Bank NUBAN account number. Receive funds directly from any Nigerian bank.
BVN-Verified KYC
Secure identity verification via Paystack BVN API. Your data is protected and never shared.
Loan Management
Apply for instant loans with competitive rates. Track repayments in real-time from your dashboard.
Bill Payments
Pay electricity, airtime, data, and more — all without leaving the app. Quick and seamless.
Admin Dashboard
Full visibility over users, transactions, loan approvals, and fraud monitoring from one panel.
Up and running
in three steps
No paperwork. No branch visits. No waiting in line. Just your phone and a few minutes.
Create Account
Register with your first name, last name, email, and phone number. We verify both via OTP. Takes under 2 minutes.
Verify Identity
Submit your 11-digit BVN for KYC verification. Paystack matches it against your name to confirm your identity.
Start Transacting
Your dedicated virtual bank account is created. Send, receive, pay bills, and apply for loans — all in one place.
Bank-Grade Security,
Built for Nigeria.
We don't cut corners on security. Every layer — from PIN storage to API access — is hardened against modern attacks.
Argon2 PIN Hashing
Your 4-digit PIN is hashed with Argon2id — the winner of the Password Hashing Competition — before storage. Plain PINs are never stored.
JWT Token Auth
Every API request is authenticated with a signed JWT token. Tokens expire in 24 hours and support invalidation via our token registry.
Rate-Limited APIs
Every endpoint is protected with rate limiting: 5 auth attempts per 15 min, 2 OTP sends per minute, 10 login attempts per 15 min.
Real-Time Fraud Monitoring
Every login, transfer, and PIN attempt is logged to our audit trail. Accounts are auto-locked after 5 failed PIN attempts.
Transactions
Balance
₦240,500
SEND
RECEIVE
Send Money
Recipient
Emeka Eze
0123456789 · GTBank
Amount
₦25,000
CONFIRM SEND
Everything your wallet
needs, in one app
Nomapay consolidates every financial action you take — from sending ₦500 to Emeka to receiving your monthly salary — into one clean, fast interface.
Powerful admin tools
for operators
The Nomapay admin panel gives your team complete visibility and control — without needing a developer to run a query.
User Management
Activate, suspend, freeze, or delete user accounts with one click.
Transaction Monitoring
Real-time view of every deposit, transfer, and withdrawal across all accounts.
Loan Approval
Approve or decline loan applications with notes and audit logging.
Analytics Dashboard
Revenue, active users, transaction volume — all in one clean dashboard.
Total Users
502,341
+2.3%
Volume Today
₦4.2M
+8.1%
Pending Loans
14
-3
Recent Registrations
Chioma Obi
chioma@...
Taiwo Adeyemi
taiwo@...
Bello Musa
bello@...
Loved by Nigerians
Over 500,000 real people trust Nomapay with their money every day.
“Nomapay changed how I handle money. Sending ₦50K to my mum in Anambra now takes 3 seconds. No stress, no charges. This is what banking should be.”
Adaeze Okonkwo
Lagos, Nigeria
“The BVN verification was smooth and took under 2 minutes. Got my Wema virtual account immediately after. My salary now drops directly into Nomapay.”
Emeka Eze
Abuja, FCT
“I used the loan feature for my business capital. Applied on Monday, approved Tuesday morning. The process was transparent — I could track everything.”
Fatima Abdullahi
Kano State
“As a developer, I appreciate how well-built this is. The API is fast, the PIN system is secure, and the Flutter app is buttery smooth on my Pixel.”
Chukwudi Obi
Port Harcourt
“Nomapay changed how I handle money. Sending ₦50K to my mum in Anambra now takes 3 seconds. No stress, no charges. This is what banking should be.”
Adaeze Okonkwo
Lagos, Nigeria
“The BVN verification was smooth and took under 2 minutes. Got my Wema virtual account immediately after. My salary now drops directly into Nomapay.”
Emeka Eze
Abuja, FCT
“I used the loan feature for my business capital. Applied on Monday, approved Tuesday morning. The process was transparent — I could track everything.”
Fatima Abdullahi
Kano State
“As a developer, I appreciate how well-built this is. The API is fast, the PIN system is secure, and the Flutter app is buttery smooth on my Pixel.”
Chukwudi Obi
Port Harcourt
“Paying my EEDC bill through Nomapay took 10 seconds. I used to spend 45 minutes in a queue. This app is genuinely life-changing for us in the East.”
Blessing Ndidi
Enugu State
“The admin dashboard is incredibly powerful. Our ops team can manage 10,000+ users without writing a single SQL query. The loan workflow is chef's kiss.”
Tunde Bakare
Ibadan, Oyo
“My whole family is on Nomapay now. Sending money across the country for small chops at Christmas? Done in seconds. The QR scan feature is genius.”
Ngozi Umeh
Onitsha, Anambra
“Security-wise, Nomapay is untouchable. The account lock after failed PIN attempts saved my account when my phone was stolen. Got it back with zero loss.”
Ibrahim Sule
Kaduna State
“Paying my EEDC bill through Nomapay took 10 seconds. I used to spend 45 minutes in a queue. This app is genuinely life-changing for us in the East.”
Blessing Ndidi
Enugu State
“The admin dashboard is incredibly powerful. Our ops team can manage 10,000+ users without writing a single SQL query. The loan workflow is chef's kiss.”
Tunde Bakare
Ibadan, Oyo
“My whole family is on Nomapay now. Sending money across the country for small chops at Christmas? Done in seconds. The QR scan feature is genius.”
Ngozi Umeh
Onitsha, Anambra
“Security-wise, Nomapay is untouchable. The account lock after failed PIN attempts saved my account when my phone was stolen. Got it back with zero loss.”
Ibrahim Sule
Kaduna State
Ready to experience
next-gen banking?
Join 500,000+ Nigerians who trust Nomapay with their money. Free to download. Free to open an account. Forever.
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