Don't take our word for it. Take a payment.
This is the real flow, start to finish. Tap through it — no account needed, no money moves.
Point your camera at the merchant's printed code.
- 1The customer scans your code
One printed QR, reused for every payment. It works with ThynkPay or any banking app that supports NIBSS transfers.
- 2They type the amount
The code doesn't carry a price, so the same poster works whether the payment is ₦200 or ₦200,000.
- 3They confirm with their PIN
Every payment is authorised on the customer's own device. Nothing to hand over, nothing to tap.
- 4Money lands in your wallet
Under five seconds, into a real Providus Bank account. Withdraw to any Nigerian bank whenever you want.
Try a different amount. The fee is a flat naira figure per tier — free under ₦500, and capped at ₦20 no matter how large the payment gets.
You just display a code.
Everything in the demo happens on the customer's phone. The merchant's entire job is showing a piece of paper.
- You get one printed code
Delivered by a field agent, free. Stick it on the stall, by the till, or on the wall.
- You never touch the transaction
No amount to key in, no device to hand over, no card to swipe. The customer does all of it on their own phone.
- You get an instant alert
The money is in your wallet — a real Providus Bank account — before the customer has put their phone away.
- You withdraw whenever
To any Nigerian bank account, usually in under 60 seconds. No waiting for a settlement cycle.
Every screen, walked through
Built for training agents, merchants and customers — no guesswork.
How it works, in detail
How does ThynkPay actually work?
Merchants get a QR code. Customers scan it (with ThynkPay or any banking app that supports NIBSS transfers) and type the amount. The money lands in the merchant's ThynkPay wallet — a real bank account at Providus Bank — which can be withdrawn to any Nigerian bank at any time.
Is my money safe?
Yes. Your money sits at Providus Bank, a CBN-licensed Nigerian commercial bank. ThynkPay is the app on top — like how WhatsApp uses your phone's data plan. Even if ThynkPay stopped existing, your money would still be at Providus and you could withdraw it directly through them.
How fast does the money arrive?
Wallet-to-wallet payments (customer → merchant) settle in under 5 seconds. Bank withdrawals (your ThynkPay wallet → your Nigerian bank account) settle within minutes — usually under 60 seconds.
Do I need a POS machine?
No. Just a phone that can display a printed QR code (or photos of it for your customers). No special hardware required.
What if my customer doesn't have a smartphone?
Any Android phone running Android 6 (Marshmallow) or newer, or any iPhone 6S or newer, can install the ThynkPay app. The app is small and works on any data plan. If you're not sure, our field agent can help your customers check when they visit.