Payrise Get started
Now live on WhatsApp

Your money. Just a message away.

Send money, pay bills, buy airtime, hold USDT and USDC, and check your balance, all inside WhatsApp.

13:49
12Payrise AIonline
Partners
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What you can do

Your bank, in every chat.

13:49
12Payrise AIonline
Yesterday
What's my balance?20:14
Your available balance is ₦860,450.20:14
Thanks20:15
Today
Send ₦40,000 to Ada14:20
Ada Okonkwo, Access Bank •••• 0917. Is that the right Ada?14:20
Yes14:20
Enter your PIN to confirm ₦40,000.14:20
••••14:21
Sent ₦40,000 to Ada. Your receipt is in this chat.14:21
Security

Conversation is simple. Security isn't.

Talking to Payrise is easy. Your money is held with a licensed bank, every payment needs your PIN, and nothing leaves your account without you.

PIN for every payment

↗Every payment is confirmed with your PIN before it goes.

Verified recipients

↗You see the account name before you send any money.

Your number, your account

↗Payrise only responds to your verified WhatsApp number.

Your money sits with a licensed bank

↗Your money sits with a licensed bank, not with Payrise.

Every transaction is watched

↗Unusual activity is paused until you confirm it’s you.

Lost your phone?

↗Freeze payments in seconds, recover with your PIN.
Get started

From hello to sent in four steps.

No forms to fill before you start. Open WhatsApp, say hi, and you're moving money.

  1. 1Step 1 of 4

    Tap “Start on WhatsApp”

    It opens a chat with Payrise in the WhatsApp you already have. Nothing to download, no forms to fill.

  2. 2Step 2 of 4

    Say what you want

    Type it the way you’d say it, or send a voice note. “Send ₦20,000 to Tobi” is all it takes.

  3. 3Step 3 of 4

    Review and confirm

    Payrise shows you the name, bank and amount. Nothing moves until you approve it with your PIN.

  4. 4Step 4 of 4

    Done

    Your receipt lands in the same chat. Next time, just ask again.

FAQ

Frequently asked questions

Everything you need to know about Payrise.

Payrise lets you do everyday banking through WhatsApp: send money, pay bills, buy airtime and data, and check your balance and spending, by sending a message.

You chat with Payrise like you would with anyone else. Tell it what you want, review the details it shows you, confirm with your PIN, and it is done.

No. Payrise works inside the WhatsApp you already have.

Transfers to Nigerian bank accounts, airtime and data, bill payments, balance and transaction history, spending summaries, and reminders.

Say who and how much, for example “Send ₦20,000 to Tobi”. Payrise shows the account name and bank, then asks for your PIN.

Yes, for supported billers such as electricity, internet and cable TV.

Yes, for your own line or any other number, on supported networks.

Yes. Payrise gives you USDT and USDC wallets alongside your naira. You can deposit, send out, and convert to naira from the chat.

Payrise does not hold your funds; your balance sits with a licensed partner bank with bank-grade security. Every payment needs your PIN, recipients are verified by account name before you send, and Payrise only responds to your verified number.

Message Payrise from any WhatsApp number to freeze your account in seconds. Then verify with your phone number and PIN to recover it on your new device.

Limits depend on your verification level. Ask Payrise anytime to see yours.

You can send to any Nigerian bank account, including GTBank, Access, Zenith, First Bank, UBA, Kuda and OPay.

Payrise always shows any fee before you confirm a payment, so there are no surprises.

Your bank is a message away.

No download. No forms. Just say hi.

Get started
09:01
12Payrise AIonline
Today
Hi Payrise09:00
Hi! What would you like to do today?09:00
Send ₦20,000 to Tobi09:01