Lagos is moving.
We move with it.
ThynkPay is your smart way to pay, send, receive and grow. Fast. Secure. Reliable.
Backed by Providus Bank
Until our own payment licence is approved, every Naira on ThynkPay sits inside Providus Bank — a fully licensed and regulated Nigerian commercial bank. You get Lagos-built product convenience on bank-grade financial rails.
Three steps. That's it.
Getting started takes less than 5 minutes. No bank account needed. No POS machine. Just your phone number.
Register with your phone
Sign up with your phone number and verify with OTP. Add your NIN later to unlock higher limits. No paperwork, no bank visit.
Print your QR code
We generate a unique QR code for your wallet. Print it and display at your shop, kiosk, or on your tray. That's your payment terminal.
Receive money instantly
Customers scan your QR, enter the amount, and pay. You get an instant notification. Cash out to your bank anytime.
Built for the way Nigeria works
Designed for real conditions — not the conditions we wish existed.
QR-Based Payments
A simple printed QR code is all a vendor needs. No expensive hardware, no technical skills required.
Works Offline
No internet? No problem. Transactions sync when connectivity returns. Never miss a sale because of poor network.
Ultra-Low Fees
From just ₦5 per transaction. Free for small amounts. Every Naira matters for small businesses.
Bank-Grade Security
Cryptographically signed transactions. Device fingerprinting, fraud detection, and spending limits.
Easy Cash Out
Withdraw to any Nigerian bank account or visit a ThynkPay agent. Same-day settlement, no hidden charges.
Transaction History
Complete record of every sale. Track daily, weekly, and monthly earnings. Use it to access credit later.
Made for market traders, street vendors & hustlers
Whether you sell suya in Surulere, run a keke in Aba, or braid hair in Ikeja — ThynkPay is for you. We built this for the people who power Nigeria's economy every day.
Food Vendors
Suya spots, mama put, snack sellers
Transport
Okada, keke, bus conductors
Artisans
Tailors, barbers, mechanics
Market Traders
Open market, roadside shops
Start small, grow big
Upgrade anytime by verifying your identity. No rush.
Starter
Get going with just your phone number. Perfect for testing the waters.
Verified
Verify with your NIN or valid ID for higher limits and full features.
Frequently Asked Questions
Do I need a smartphone to use ThynkPay?
To register and print your QR code, you need a phone or computer with internet access. But once your QR is printed, you do not need a phone to receive payments. Customers scan your QR with their phone and pay directly to your wallet. You get an SMS notification.
How do I cash out my money?
You can transfer from your ThynkPay wallet to any Nigerian bank account. You can also visit a ThynkPay agent near you to withdraw cash. Same-day settlement with no hidden charges.
What if I don't have internet?
ThynkPay is built for offline tolerance. If the vendor is offline, the customer can still pay as long as they have connectivity. Your wallet gets credited and you'll see the balance when you come online. SMS fallback ensures you always get notified.
How much does it cost?
Registration is free. Transaction fees are as low as ₦5 per transaction, and payments below a certain threshold are completely free. No monthly fees, no hidden charges.
Is my money safe?
Absolutely. Every transaction is cryptographically signed. We use device fingerprinting, fraud detection, velocity checks, and transaction limits to keep your money safe. ThynkPay complies with Nigerian financial regulations.
What documents do I need to register?
For Tier 0 (Starter), you only need a phone number. For Tier 1 (Verified), you'll need your NIN (National Identification Number) or a valid government ID for higher limits and full features.
Ready to go cashless?
Reserve your ThynkPay account today. Be among the first to go live on launch day, 1 June 2026, with funds held safely at Providus Bank.