Powering Payments, Banking & Insurance
for Everyday Africa

No POS. No Stress.

PayOs is a unified financial platform enabling merchants, agents, and businesses to accept payments,
access banking services, sell insurance, and grow sustainably—all from one secure digital ecosystem.

Built on Trusted Banking &

Insurance Partnerships

PayOs operates in partnership with licensed banks,
insurance companies, and payment networks to deliver
secure, compliant, and scalable financial services tailored
for African markets..

Mastercard

Visa

Interswitch

Why PayOS

Everything You Need to Accept Payments, Nothing You Don't

Accept card payments via softPOS & POS

Business & agent wallets with instant settlement

Agency banking & cash services

Retail insurance distribution

Access to working capital & BNPL

Your Phone Is Now Your POS

PayOs SoftPOS allows merchants to accept contactless card payments using NFC-enabled
Android smartphones — eliminating the need for physical POS devices.

PayOs Wallet

PayOs softPOS

PayOs Bank-in-a-Box

Insurance Distribution

Working Capital & BNPL

HOW IT Works

Start Accepting Payments in Minutes.

Sign Up

Digital onboarding (KYC/KYB)

Choose Services

Payments, banking, insurance

Start Transacting

Accept payments & sell services

Get Settled

Instant or scheduled payouts

Grow

Access credit, insights & new revenue streams

Who PayOS Is Built For

PayOS has been designed specifically to address different pain points these individuals face

Insurance

Sales Agents

Whether you own a retail store or looking to start a business, wth PayOS
you start accepting payment with ease - No upfront cost included.

Why PayOS Stands Out

Designed for Africa. Built to Scale.

Payments + banking + insurance in one platform

Multi-bank & multi-partner ecosystem

Affordable subscription-based access

Secure, compliant & regulation-ready

Scales across Nigeria and pan-Africa roadmap

Security & Compliance

Trust and security are core to PayOs operations.

Bank-backed wallets

Encrypted transactions

PCI-DSS aligned card acceptance

Secure KYC & fraud monitoring

Regulatory-compliant architecture

Bank-backed wallets

Encrypted transactions

PCI-DSS aligned card acceptance

Secure KYC & fraud monitoring

Regulatory-compliant architecture

Bank-backed wallets

Encrypted transactions

PCI-DSS aligned card acceptance

Secure KYC & fraud monitoring

Regulatory-compliant architecture

Partner With PayOS

Let's Build Africa's Financial Distribution Layer Together

Fintechs & aggregators

Banks & digital banks

Fintechs & aggregators

Insurance companies

Fintechs & aggregators

Banks & digital banks

Fintechs & aggregators

Insurance companies

Fintechs & aggregators

Banks & digital banks

Fintechs & aggregators

Insurance companies

Enterprises & platforms

Banks & digital banks

Fintechs & aggregators

Enterprises & platforms

Banks & digital banks

Fintechs & aggregators

Enterprises & platforms

Banks & digital banks

Fintechs & aggregators

Banks & digital banks

Fintechs & aggregators

Insurance companies

Banks & digital banks

Fintechs & aggregators

Insurance companies

Banks & digital banks

Fintechs & aggregators

Insurance companies

Choose Plan

Simple Pricing That Grows With Your Business. No hardware cost.
Cancel anytime. Clear Pricing. No Hidden Charges.

Micro

₦ 1,500.00 - ₦ 2,500.00

0.3–0.5% (Transaction Fee)

Best for small traders - everything you need for better money management all in one place. Seamless payment or business oversight has never been easier.

SME

₦ 3,500.00 - ₦ 5,000.00

0.45–0.8% (Transaction Fee)

Best for growing businesses - access additional benefits like team access, customized payment receipts for business banking, all at your finger tips.

Enterprise

₦ 7,500.00 - ₦ 10,000.00

0.3–0.6% (Transaction Fee)

Best for high-volume merchants - access additional benefits like better limits for transactions and insurance for your purchases, on our affordable paid plan

Built for Real Businesses Like Yours

Don't just take our word for it. These are success stories of business thriving using PayOs

Sonya's Hut

@lushut

This is the best experience ever, I never have to worry about a POS machine when I have one right on my mobile device. For those you still having doubt abeg do download PayOS, and save yourself stress and money.

Ankata Grooms

@sarahkitchen

One thing I love about PayOS is it's affordability and ease of use, like there was literally little to no learning curve, it was as if I've used it before. I definitely recommend.

Grayson's Mastery

@sarahkitchen

MY GOD!!! Ever since I started using this platform, my business has literally been on auto pilot, I now ave time to focus on what's important (growing my business) while I leave the trest to PayOS.

Sonya's Hut

@lushut

Ankata Grooms

@sarahkitchen

One thing I love about PayOS is it's affordability and ease of use, like there was literally little to no learning curve, it was as if I've used it before. I definitely recommend.

Grayson's Mastery

@sarahkitchen

MY GOD!!! Ever since I started using this platform, my business has literally been on auto pilot, I now ave time to focus on what's important (growing my business) while I leave the trest to PayOS.

GAVRE

@lushut

Sarah's Kitchen

@sarahkitchen

One thing I love about PayOS is it's affordability and ease of use, like there was literally little to no learning curve, it was as if I've used it before. I definitely recommend.

D'Light Cuisine

@sarahkitchen

MY GOD!!! Ever since I started using this platform, my business has literally been on auto pilot, I now ave time to focus on what's important (growing my business) while I leave the trest to PayOS.

Luxe Suits

@sarahkitchen

MY GOD!!! Ever since I started using this platform, my business has literally been on auto pilot, I now ave time to focus on what's important (growing my business) while I leave the trest to PayOS.

GAVRE

@lushut

Sarah's Kitchen

@sarahkitchen

One thing I love about PayOS is it's affordability and ease of use, like there was literally little to no learning curve, it was as if I've used it before. I definitely recommend.

D'Light Cuisine

@sarahkitchen

MY GOD!!! Ever since I started using this platform, my business has literally been on auto pilot, I now ave time to focus on what's important (growing my business) while I leave the trest to PayOS.

Luxe Suits

@sarahkitchen

MY GOD!!! Ever since I started using this platform, my business has literally been on auto pilot, I now ave time to focus on what's important (growing my business) while I leave the trest to PayOS.

KJ Fits

@lushut

Bake n Cook's

@sarahkitchen

One thing I love about PayOS is it's affordability and ease of use, like there was literally little to no learning curve, it was as if I've used it before. I definitely recommend.

Dee Dee's Wears

@sarahkitchen

MY GOD!!! Ever since I started using this platform, my business has literally been on auto pilot, I now ave time to focus on what's important (growing my business) while I leave the trest to PayOS.

KJ Fits

@lushut

Bake n Cook's

@sarahkitchen

One thing I love about PayOS is it's affordability and ease of use, like there was literally little to no learning curve, it was as if I've used it before. I definitely recommend.

Dee Dee's Wears

@sarahkitchen

MY GOD!!! Ever since I started using this platform, my business has literally been on auto pilot, I now ave time to focus on what's important (growing my business) while I leave the trest to PayOS.

Powering Payments, Banking & Insurance for Everyday Africa

No POS. No Stress.

Built on Trusted Banking &

Insurance Partnerships

Why PayOS

Your Phone Is Now Your POS

PayOs Wallet

PayOs softPOS

PayOs Bank-in-a-Box

Insurance Distribution

Working Capital & BNPL

HOW IT Works

Sign Up

Choose Services

Start Transacting

Get Settled

Grow

Who PayOS Is Built For

Insurance

Sales Agents

Why PayOS Stands Out

Security & Compliance

Bank-backed wallets

Encrypted transactions

PCI-DSS aligned card acceptance

Secure KYC & fraud monitoring

Regulatory-compliant architecture

Bank-backed wallets

Encrypted transactions

PCI-DSS aligned card acceptance

Secure KYC & fraud monitoring

Regulatory-compliant architecture

Bank-backed wallets

Encrypted transactions

PCI-DSS aligned card acceptance

Secure KYC & fraud monitoring

Regulatory-compliant architecture

Partner With PayOS

Choose Plan

Micro

SME

Enterprise

Built for Real Businesses Like Yours

Sonya's Hut

Ankata Grooms

Grayson's Mastery

Sonya's Hut

Ankata Grooms

Grayson's Mastery

GAVRE

Sarah's Kitchen

D'Light Cuisine

Luxe Suits

GAVRE

Sarah's Kitchen

D'Light Cuisine

Luxe Suits

KJ Fits

Bake n Cook's

Dee Dee's Wears

KJ Fits

Bake n Cook's

Dee Dee's Wears

Why PayOS

Your Phone Is Now Your POS

PayOs Wallet

PayOs softPOS

PayOs Bank-in-a-Box

Insurance Distribution

Working Capital & BNPL

HOW IT Works

Sign Up

Choose Services

Start Transacting

Get Settled

Grow

Who PayOS Is Built For

Insurance

Sales Agents

Why PayOS Stands Out

Powering Payments, Banking & Insurance
for Everyday Africa