How can we help?

ThynkPay is not a bank. Your money sits at Providus Bank, a Central Bank of Nigeria (CBN) licensed commercial bank. ThynkPay is the app layer on top of Providus Bank's Xpress Wallet platform. The CBN payment licence rests with Providus Bank.

When you sign up with your BVN, Providus Bank creates a real wallet for you with a Nigerian bank account number. Customers can pay you by scanning your QR code or by transferring to your virtual account number from any bank in Nigeria. You can withdraw to any Nigerian bank in seconds.

Xpress Wallet is how the National Inter-Bank Settlement System (NIBSS) labels these virtual accounts in every Nigerian bank app's recipient picker. The money still physically sits at Providus Bank — Xpress Wallet is just the bank-name label customers will see when they search.

Yes — your daily and monthly transaction limits depend on your KYC tier: • Tier 0 (no BVN): ₦50,000/day, ₦200,000/month. • Tier 1 (BVN verified): ₦500,000/day, ₦5,000,000/month. You can see your current limits and how much you've used today on the Wallet tab. Higher tiers for larger merchants are coming soon.

• Amounts under ₦500: free. • ₦500 – ₦2,000: ₦5. • ₦2,000 – ₦10,000: ₦10. • ₦10,000 – ₦100,000: ₦20. • ₦100,000 and above: ₦50. The fee is charged once per transaction. No monthly fees, no setup fees, no card-reader purchase.

Wallet-to-wallet payments (between two ThynkPay users) settle in under 5 seconds. Cash-outs to external Nigerian bank accounts typically settle within 60 seconds, often faster.

In production today: above 99% of payments complete successfully. The rare failures are usually external-bank issues (the receiving bank is down) — in those cases we automatically refund the fee. You'll never lose money on a failed transaction.

Two ways: 1. Tap “Scan to Pay”, point your phone at the merchant's QR code, type the amount, and confirm. 2. If you've paid them before, tap their tile under “Recent Merchants” on the home screen — no scanning needed.

Open the Wallet tab. You'll see your virtual account number under “Fund Wallet”. Open your bank app (any Nigerian bank — GTBank, Access, Opay, etc.), search for “Xpress Wallet” as the recipient bank, paste your account number, and send money. It lands in your ThynkPay wallet within seconds.

Yes — use “Withdraw to Bank”. Pick the bank, enter the 10-digit account number, and we verify the recipient name automatically. Confirm the amount and the money lands in their account within minutes.

Your phone number and your BVN (Bank Verification Number). The BVN is sent once to Providus Bank for verification — we never store it on our servers. Dial *565*0# on any phone to find your BVN.

Open the QR Code tab after signing up. Your QR is generated automatically. Tap “Share” to send it via WhatsApp, SMS, or save it as an image. Tap “Copy Link” to share the payment link.

Yes. We're working on an official printable QR poster you can download from the app. For now, tap “Share” on the QR Code tab, save the image, and take it to any local print shop.

For launch, QR only. POS-machine integration is on our roadmap for after we've onboarded our first 500 merchants in Lagos.

Yes — every merchant sees the same app: their own balance, transactions, and tools. There is no separate “admin” view for ordinary merchants. ThynkPay staff use the same app you use.

No. The BVN check goes through NIBSS, which validates the BVN against the real owner's name (NIBSS name match). If someone tries to use your BVN with a different name, the wallet creation fails. Plus, every BVN can only be linked to one ThynkPay account at a time.

Right now, every merchant needs at least a basic Android smartphone (Android 6 / Marshmallow or newer) to sign up. We're exploring agent-led onboarding for market women using feature phones — where their authorised agent manages the wallet and the merchant just displays a printed QR. Not built yet.

Your money sits at Providus Bank — a CBN-licensed Nigerian commercial bank. ThynkPay never holds your funds. Even if ThynkPay stopped existing tomorrow, your money would still be at Providus and you could withdraw it directly through Providus Bank.

Your BVN is a regulatory requirement set by the Central Bank of Nigeria for any account that holds money. We send your BVN once to Providus Bank for NIBSS verification (to confirm it matches the name you entered). We never store your BVN on our servers — only Providus does.

You set a 6-digit PIN when you sign up. Use that PIN to sign in. We also support Face ID / Fingerprint unlock — enable it in Settings → Security. Never share your PIN with anyone, including ThynkPay staff. We will NEVER ask for your PIN.

Tap “Forgot PIN?” on the sign-in screen. If you can't reset via SMS, contact us at info@thynkpay.com — we can reset your PIN within minutes during business hours.

Great suggestion — and yes, it's on our roadmap. The vision is: when you withdraw, you can scan a QR that contains the beneficiary's bank details, so you don't have to type them manually. For now, you'll need to enter the recipient's bank + account number on the Withdraw screen.

Standing orders — recurring rent, salary payments, subscription debits — are a planned feature. Not available yet. For now every payment is initiated manually.

Bill payments (airtime, data, DSTV, electricity, etc.) are on the roadmap. For now ThynkPay focuses on QR payments and wallet-to-bank transfers.

Yes — a web admin dashboard at admin.thynkpay.com is in development. Larger merchants and field-agent leads will be able to manage their accounts from a laptop, view reports, and download statements.

ThynkPay pays agents 10% of every transaction fee generated by merchants they onboarded — for the first 12 months from the merchant's signup date. So if a merchant's customer pays ₦5,000 (which generates a ₦10 platform fee), the referring agent earns ₦1. Across hundreds of transactions a month per merchant, this adds up to meaningful recurring income for a full year.

12 months from the date the merchant signed up. After that the agent's commission on that specific merchant stops. The clock is per-merchant — every new merchant you onboard starts their own fresh 12-month window. The earlier you recruit a merchant, the longer you've earned from them.

The 12-month structure is standard across Nigerian fintech agent programs. It keeps agents motivated to keep recruiting new merchants every month rather than relying only on old onboards. A senior-agent tier with extended commission for high performers is on the roadmap.

Bi-weekly — on the 1st and 15th of every month, settled to your registered Nigerian bank account within 2 business days. You'll see your commission balance accrue in real time in the app as your merchants transact.

During the merchant's signup, you'll give them your unique Agent Code (e.g. “HB-1024”). They enter it on the register screen. The merchant is permanently attributed to you — every future fee from their transactions earns you 10% commission. Agent-code entry is coming in the next app update.

Yes — agent-tree dashboards are coming. You'll see your merchants, your sub-agents' merchants, and the commission breakdown across your whole network. For super-agents (like lead onboarders running a team), this lets you pay your sub-agents based on real performance data.

Field-agent kits including printed QR posters, branded t-shirts, ID badges, and one-page training cards. Plus digital assets (WhatsApp templates, social copy) you can use to recruit merchants in your area. Contact your onboarding lead to request kit refills for your team.