Payrise Get started
About Payrise

Banking for the way Nigeria talks.

We're a Lagos team building everyday banking into WhatsApp, the app millions of Nigerians already open first thing every morning.

Woman smiling at her phone in Lagos
Team meeting in a Lagos office
Send ₦5,000 to Mama
Sent ✓ Mama will get it right away.
Lagos street market at sunset
Our mission

Paying someone should be as quick as replying to them.

Your family, customers and colleagues are already on WhatsApp. Today, sending them money still means leaving that conversation. We built Payrise so you don't have to.

The usual way8 steps, 2 apps
1Leave the chat
2Open your banking app
3Wait for it to load
4Log in again
5Find the transfer menu
6Type in the account details
7Screenshot the receipt
8Go back and send it
With Payrise2 steps, 1 chat
Send ₦20k to Chioma for the aso-ebi
Chioma Eze, Access Bank •••• 7731. Enter your PIN to send.
Sent ✓ ₦20,000 to Chioma.
You never leave the conversation.
Trust

Simple to use. Serious about your money.

Accounts are held with licensed partners, every payment needs your PIN, and Payrise only sees messages sent to the Payrise chat.

9PSB
Nomba
WhatsApp
Lagos skyline at sunset
Built in LagosFor Nigerians, everywhere
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