Banking that happens where conversations already live.
ChatPay is in controlled rollout, connecting WhatsApp to linked-bank management, airtime and supported electricity payments through simple conversations.
No apps. No complicated interfaces. Just chat.
Security and operational controls in the current pilot
People already live in chat. Banking should too.
Millions of people spend hours every day on WhatsApp. Yet banking still demands multiple apps, complex interfaces, forgotten passwords and long onboarding.
Your bank, inside WhatsApp.
Do everyday financial tasks without downloading another app.
Link a Bank Account
Connect an eligible existing Nigerian bank account through a guided mandate flow.
Buy Airtime
Top up MTN, Airtel, Glo and 9mobile after controlled live payments are enabled.
Pay Electricity
Verify supported meters and buy prepaid or postpaid electricity.
Account Status
Review linked accounts and mandate status from WhatsApp.
Transaction History
Access real recorded transaction history on demand.
Turn WhatsApp into your financial OS.
Business collection and automation tools are product roadmap capabilities available for design-partner discussions.
Payment Collection
Accept customer payments through conversational checkout.
Business Banking
Manage incoming and outgoing payments from one platform.
Automated Collections
Reduce failed payments and manual follow-ups.
Customer Engagement
Serve customers where they already communicate.
Financial Insights
Track transactions and performance in real time.
Why businesses choose ChatPay
Higher Conversion
Customers complete transactions without switching apps.
Lower CAC
Meet customers on channels they already use every day.
Better Collections
Automate reminders and payment workflows end-to-end.
Less Overhead
Replace manual processes with conversational automation.
Wider Reach
Serve users on smartphones and low-data environments.
Don't just wait for ChatPay. Help shape it.
Join the waitlist, then opt into the Founders Circle for community activities, verified referral recognition, badges and closer attention when we launch.
One platform. Multiple use cases.
From market traders to multinational NGOs, ChatPay meets people where they already are.
Retail & Commerce
Transact, collect and support users through conversational banking.
Financial Institutions
Transact, collect and support users through conversational banking.
NGOs & Development
Transact, collect and support users through conversational banking.
Schools
Transact, collect and support users through conversational banking.
Religious Organizations
Transact, collect and support users through conversational banking.
Cooperatives
Transact, collect and support users through conversational banking.
No hidden charges. Ever.
Know exactly what you pay, what the recipient receives and how long it takes.
Illustrative pricing preview. Transfers remain disabled until provider certification is complete.
Your finances deserve enterprise-grade protection.
ChatPay is built with the security standards expected of a modern financial institution.
The future is not another banking app. The future is banking through conversation.
People no longer want more apps. They want simpler experiences.
Ready to experience conversational banking?
Try the controlled WhatsApp experience or talk to us about pilot access. Live money movement remains gated until operational sign-off.