Send Money in Nigeria as Easy as WhatsApp Chat
Pay bills, send money to family and friends, buy airtime - all from your WhatsApp.No app download needed. Simple, fast, and secure.
ChatPay
Online
500K+
Nigerian Users
₦50B+
Transferred
< 2 min
Avg. Speed
4.8/5
User Rating
Everything You Need in One Chat
From sending money to paying bills, ChatPay makes it simple through WhatsApp.
Send Money to Anyone
Transfer money to friends and family instantly. No bank details needed - just their phone number.
Pay Bills & Airtime
Pay NEPA, water bills, DStv, or buy airtime for any network. All in one place.
Receive Payments
Accept payments from customers easily. Perfect for small businesses and freelancers.
Instant Transfers
Money arrives in seconds, not hours. Send now, receive now.
Safe & Secure
Bank-level security with PIN protection. Your money is always safe.
No Hidden Fees
Clear, transparent pricing. What you see is what you pay - no surprises.
Get Started in 3 Easy Steps
No registration, no app download. Just open WhatsApp and you're ready.
Open WhatsApp
Send a message to ChatPay. That's it - no forms, no signup.
Tell Us What You Need
Send money, pay bills, or buy airtime. Just chat like you normally would.
Confirm & Done
Enter your PIN to confirm. Money sent instantly!
What Nigerians Are Saying
See how ChatPay is making payments easier for Nigerians.
“I use ChatPay to send money to my family in Ibadan. It's so simple - just type in WhatsApp and the money is sent instantly. No stress!”
Chioma Okeke
Teacher
“As a taxi driver, I receive payments from customers through ChatPay. No need for POS machine or cash. Very convenient!”
Emeka Nwankwo
Taxi Driver
“I pay all my bills through ChatPay - NEPA, water, DStv, everything. No more standing in queues. Best thing ever!”
Aisha Bello
Small Business Owner
Ready to Join the
New Age of Banking?
Join 500,000+ Nigerians already using ChatPay for instant payments, bills, and airtime.
Free • Instant • Secure