Bills & Airtime

Every bill, one tap, never late

Electricity, data, airtime, cable, water — paid instantly with cashback on the bills you'd pay anyway. Schedule them once and never miss another deadline

See pricing
60s
to open an account
24/7
instant transfers
0₦
monthly fees
Pady
personal & business accounts
Military-grade encryption Instant settlement Licensed banking partners

Why it matters

The shortlist

How it works

Live in minutes, not weeks

01
Pick

Choose a biller

We support over 400 billers across Nigeria.

02
Pay

Confirm with Face ID

One tap, and the token or value lands in seconds.

03
Earn

Cashback automatically

Earn points on every recharge — redeem for fee waivers, data or flights.

Features

Built like the rest of your stack

Electricity

Tokens for every disco in under 5 seconds.

Data & internet

Spectranet, Smile, FibreOne and every major ISP.

Airtime

Buy, schedule or gift airtime across all networks.

TV & lifestyle

DStv, GOtv, StarTimes, Showmax and Netflix in one place.

Auto-renew

Set it once. Never sit in the dark again.

Rewards

Up to 2% back as points on every paid bill.

Questions

Frequently asked

Still curious? Visit the help center.

Get started

Make more of your money

Pay with ease, save towards your goals, and manage your everyday money in one place. Open your Pady account and start today