Move Money
Send and receive money in seconds, to any bank or Payroxa account.
More than payments.
Everything your business needs to move, sell and grow.
Send, receive, save and manage your money with confidence — then sell to customers, issue cards and run the whole business from one Payroxa account.
Your Money. Your Control. Your Payroxa.
Secure
Your funds and data are protected end to end.
Fast
Instant payments and real-time settlement.
Reliable
Support whenever you need us.
Built for Africa
Made for African businesses and customers.
Core Offerings
Designed for modern African businesses
Everything you need to accept payments, manage your balances, and monitor your cashflow from a single integrated platform.
Instant settlements
Payments
Accept card payments, bank transfers, USSD, and QR codes from local and global customers. Generate secure, shareable payment links without writing code.
- Accept global debit & credit cards
- Generate custom shareable payment links
- Integrate USSD, bank transfers, and QR codes
Multi-currency accounts
Wallet
Manage funds across dual-currency NGN and USD wallets. Transfer to any bank, pay bills, buy airtime, and execute instant currency conversions.
- Dual-currency balances (Naira & Dollars)
- Instant, secure withdrawals to any bank
- Full transparency & detailed history trails
Smart analytics
Business Dashboard
Understand your cashflow with comprehensive visual reports on inflows, outflows, best-selling products, and repeat customer retention rates.
- Real-time visual performance charts
- Granular team access & role management
- One-click statement export for accounting
More than payments
Five things Payroxa does for your business
One account replaces the tangle of apps, spreadsheets and bank visits.
Get Paid
Collect payments with links, transfers, cards and QR — settled to your wallet.
Sell
Launch a storefront, list products and reach customers already on Payroxa.
Run Your Business
Invoices, records and insights that keep the numbers where you can see them.
Move Your Business
Fulfil orders with delivery and logistics built around your storefront.
Payroxa Store
Shop smarter — and sell smarter
Open a storefront, list your products and let customers discover and pay you inside Payroxa. No website required.
- • Product listings, categories and store profile
- • Payments settled straight into your wallet
- • Orders, delivery and customer records in one view
Discover great products from trusted businesses.
Payroxa Store puts your business in front of customers already moving money on Payroxa every day.
Payment ecosystem
Every everyday payment, in one place
From airtime to bank transfers, Payroxa covers the payments your business and customers make daily.
Move Money
Send and receive money in seconds, to any bank or Payroxa account.
Get Paid
Collect payments with links, transfers, cards and QR — settled to your wallet.
Sell
Launch a storefront, list products and reach customers already on Payroxa.
Run Your Business
Invoices, records and insights that keep the numbers where you can see them.
Move Your Business
Fulfil orders with delivery and logistics built around your storefront.
Multi-currency balances
Naira wallet
Instant transfers
Dollar wallet
Cross-border ready
- • Add money, send, withdraw, exchange
- • Statements and transaction history
- • Saved bank accounts and beneficiaries
- • Clear limits and spending controls
Wallet
A secure wallet for your funds
Hold, move and track your money with balances you can see at a glance and controls you actually understand.
Business dashboard
Know your numbers without the guesswork
Track inflows, outflows, orders and customers with reporting built for the way African businesses actually operate.
Inflow & outflow
See money in and money out per day, week or month.
Order insights
Best sellers, repeat buyers and fulfilment status.
Team access
Give staff the access they need, nothing more.
Exportable records
Download statements for accounting and audits.
Who it's for
Built for the businesses that keep Africa moving
- Retail shops
- Restaurants & food vendors
- Fashion & beauty brands
- Online sellers
- Service professionals
- Logistics & delivery
- Agents & merchants
- Growing SMEs
Security
Safe. Fast. Reliable. That's the Payroxa way.
Security is not a feature we added later — it shapes how every part of Payroxa is built.
Encryption everywhere
Data is encrypted in transit and at rest.
Verified identities
Tiered verification keeps accounts real.
Fraud monitoring
Suspicious activity is flagged early.
Full audit trail
Every transaction is recorded and traceable.
How it works
Live on Payroxa in four steps
- 01
Create your account
Sign up with your phone number or email.
- 02
Verify your business
Complete verification to unlock full limits.
- 03
Fund your wallet
Add money by transfer, card or agent.
- 04
Start transacting
Pay, get paid, sell and grow from one place.
Cards
Virtual and physical cards for real spending
Spend online and in store, set limits, freeze a card instantly and keep every transaction visible.
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Payroxa Card••/••
FAQ
Questions, answered
What is Payroxa?
Payroxa is a business platform that brings payments, a secure wallet, cards, a storefront and business tools together in one app.
Who can use Payroxa?
Individuals, merchants and registered businesses across Africa who want a simpler way to move money and get paid.
How long does verification take?
Most accounts are verified shortly after the required details are submitted. Higher limits may need additional business documents.
Can I sell on Payroxa without a website?
Yes. Payroxa Store gives you a storefront and a shareable link, so you can start selling without building a website.
Is my money safe?
Payroxa uses encryption, identity verification and continuous monitoring, and works with licensed financial partners.
Ready to run your business on Payroxa?
Create your free account in minutes and start moving money, getting paid and selling — all from one place.