Retail & boutiques
Accept any card, phone or watch at the till — reduce queue time and abandoned baskets.
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Pady for Business
The intelligent financial platform for ambitious businesses.
Payments, credit, payroll, CRM, invoicing, tax and a virtual CFO — on one premium stack that thinks with you. From the corner shop to a fifty-person team, Pady is the operating system for Nigerian businesses that move.
PCI-grade encryption NGN, USD, GHS, KES wallets 24h business verification
Tap received
₦ 12,500 · Visa ••42
Today
₦ 482,300 · 47 sales
5 min
from install to first sale
0₦
POS hardware fees
0.5%
capped at ₦200/transaction
24/7
instant settlement
One stack
Everything your business needs to take money.
From the first tap-to-pay to your accountant's monthly close — designed to feel like one product, not six.
SoftPOS & mPOS
Turn any phone into a contactless terminal — tap-to-pay, card-to-phone, phone-to-phone, Apple Pay, smartwatch. No hardware.
Instant settlement
Every collection lands in your wallet the moment it's made — Sundays, holidays, midnight. No T+1.
Multi-user & approvals
Owner, admin, accountant, cashier — each scoped. Two-person rule above any threshold you choose.
Invoices & bulk payouts
Branded invoices with a pay link. Pay 500 vendors from a CSV in one click. Reconciliation, automated.
Developer API
REST + webhooks, idempotency keys and a real sandbox. Ship contactless payments into your own app.
Accounting-ready
Live exports to Zoho, QuickBooks and Sage — or clean CSV. Books that match your bank, every day.
Pady Credit
Working capital that scales as fast as you do.
We fund the SMEs and micro businesses Nigerian banks ignore. Underwriting runs on your live Pady cashflow — not paperwork, not collateral, not a relative at the branch. Get approved in minutes, drawn in hours, repaid on autopilot.
- Up to ₦50M revolving credit line
- Approved on real cashflow, not paperwork
- Funds in your wallet in under 4 hours
- Repay daily from sales — no balloon payments
- Invoice financing for B2B receivables
- Stock & inventory loans for traders
Available credit
₦ 12,400,000
Used ₦7.6MLimit ₦20M
Stock loan · Oando dist.
Drawn Apr 12
+₦2.4M
Invoice — Dangote PO
Auto-funded
+₦3.1M
Daily repayment
From sales
-₦82,400
Pady CFO · weekly brief
Good morning, Adaeze.
Runway: 9.2 months
At current burn, you're safe through Feb 2027. Hiring 2 roles cuts runway to 6.4 months — still healthy.
Margin alert
Lagos branch margin dropped 4.2pts. Driver: cost of goods, supplier B. Renegotiate or switch.
Tax forecast — Q2
CIT estimate ₦4.2M. We've ring-fenced ₦3.1M. Set aside ₦1.1M before June.
Pady Virtual CFO
A CFO in your pocket. Trained on your books.
Pady Virtual CFO reads your live transactions, models scenarios, flags margin leaks and writes your monthly board pack — at the cost of a junior bookkeeper, with the judgement of a partner-track CFO.
Cashflow forecasting
13-week rolling forecast updated nightly.
Scenario modelling
What if we hire? Expand? Raise prices? Get the answer.
Tax & compliance
VAT, WHT, CIT prepared and filed before deadlines.
Board-ready reports
P&L, balance sheet and KPIs — exported in one click.
Business management
Payroll, CRM, invoicing & insights — under one login.
Stop stitching together six SaaS subscriptions. Pady gives you the operating tools to run people, customers, money and data from one premium app.
Auto-filed
Payroll
Salaries, contractors, PAYE, pension and NHF — calculated, paid and filed automatically. Branded payslips included.
Pipeline
CRM
Every customer, contact, deal and conversation in one place. Pipeline, follow-ups and automations built in.
Pay-link
Invoicing
Branded invoices, recurring billing, polite reminders and a pay link. Reconciled the second money lands.
Real-time
Data insights
Live P&L, cohort margins, customer LTV and product-level profitability — refreshed every minute.
Intelligence layer
Not just an account. An intelligent financial platform.
Every payment, payroll run, invoice and tax filing teaches Pady how your business breathes. The platform then surfaces decisions you'd otherwise miss — pricing tweaks, supplier swaps, hiring windows, credit drawdowns timed to your cash cycle.
Anomaly detection on every account
Smart reconciliation in seconds
Predictive credit decisioning
Auto-categorised spend & tax
Smart reconciliation
Matched 1,284 transactions to invoices overnight. 99.6% accuracy.
Pricing intelligence
Raising SKU-114 by 7% lifts margin by ₦2.1M/qtr with negligible volume risk.
Fraud watch
Blocked 4 unusual payout attempts this week. Two-person rule held.
Built for
From a stall in Balogun to a chain across Lagos.
One stack that flexes from a single trader's phone to a multi-branch operation — without changing apps, pricing or paperwork.
Pay on delivery
Riders take payment on the doorstep without cash, transfers or unconfirmed alerts.
Learn more
Restaurants & events
Tap-to-pay at the table, the bar, the ticket gate. Receipts auto-filed.
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Micro businesses
Stall owners accept payments with the phone in their pocket — verified in 10 minutes.
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How it works
Live in three steps. No salesperson required.
01
Verify your business
CAC, TIN and a director's ID — submitted in-app, approved within 24 hours.
02
Invite your team
Add cashiers, accountants and approvers with the right scope and limits.
03
Plug in and get paid
Collect, pay, invoice and report — from the app, the till or the API.
For developers
Plug-and-play contactless.
Drop our SDK into your iOS or Android app and start accepting tap-to-pay in an afternoon. Full Postman collection, real sandbox, idempotency keys done right.
pady-sdk · accept tap
import { Pady } from '@pady/sdk';
const pady = new Pady({ apiKey: process.env.PADY_KEY });
await pady.pos.acceptTap({
amount: 12_500,
currency: 'NGN',
reference: 'order_8842',
method: ['card', 'phone', 'watch'],
});
// ✓ Funded. Settled instantly. SoftPOS · mPOS
Your phone is the terminal. Skip the hardware.
Pady SoftPOS turns any NFC phone into a contactless terminal — accept cards, phones, watches, Apple Pay and Google Pay with a tap. Need a dedicated device? Our mPOS arrives next-day, paired and ready to settle instantly.
PCI-certified tap-on-phone — no dongle, no reader
0.5% flat, capped at ₦200 per transaction
Settles to your wallet in seconds, 24/7
Cashier accounts with daily-cash limits
Works on Android NFC and supported iOS devices
Branded receipt sent by SMS or WhatsApp
Accept from any customer
Apple Pay Google Pay Contactless cards Smartwatches
Tap modes
Card-to-phone Phone-to-phone
Pady SoftPOS
Ready to tapTap card, phone or watch
Sale · order #8842
Tap to charge
₦ 12,500
Card
Phone
Watch
FAQ
Answers, before you ask.
Get started
One stack. Every payment. Zero hardware.
Join the waitlist and we'll set up your business account, mPOS and API keys in one onboarding call.