Pady
Agency banking

The kiosk that never sleeps.

Cash-in, cash-out, transfers and bill payments — from any phone, in any neighbourhood. Lower fees, faster settlement and a float-management dashboard that actually helps.

An agency banker serving customers from a roadside kiosk with an mPOS terminal
₦200
cap per transaction
T+0
settlement
300+
billers supported
24/7
uptime

What you get

Tools that match how you actually work.

Pady mPOS terminal

Branded handheld device with our SoftPOS — pin, contactless and card-insert in one.

Cash-in & cash-out

Customers deposit and withdraw from any bank account. Funds settle instantly.

Float dashboard

See your float balance, top up by transfer and never run dry mid-queue.

PIN, BVN & fraud screen

Bank-grade verification on every withdrawal. Protect your float and your customers.

Multi-agent network

Run 5 or 500 agents from one dashboard. Daily limits, splits and reports per agent.

Per-agent reports

Know which agent moved how much, which biller earned, which neighbourhood is hot.

How it flows

From first tap to settled cash.

01

Customer walks up

Withdrawal, transfer, airtime or bill — pick from the agent's device in two taps.

02

Confirm & collect

Card-insert, contactless tap or transfer. PIN verified. Receipt printed or sent on WhatsApp.

03

Float updates live

Float balance updates instantly. Top up from any bank, any time, in seconds.

Why operators pick Pady

Built for the way you trade.

  • All-in-one mPOS — contactless, card-insert, PIN and printer
  • Lowest published fees in Nigerian agency banking
  • Float top-ups land in seconds — no waiting on switch settlement
  • 300+ billers: DSTV, GoTV, PHCN, water boards, betting, education
  • Run multi-branch agent networks from a single owner dashboard
Create your account
"
I run six POS kiosks across Aba. Pady's float dashboard alone is worth the switch — I used to lose three or four hours a day moving cash and topping up agents. Now I do it from my couch.
Mr Emeka Okoro, Owner, Okoro Agency Banking · Aba, Abia State

FAQ

Answers, before you ask.

Get started

Run a smarter kiosk. Earn on every transaction.

Join the waitlist and we'll ship your mPOS device and set up your float wallet in one onboarding call.