Everyday transactions, made easier
Pady turns the phone in your pocket into a full mPOS — accept tap-to-pay, NFC, phone-to-phone, QR and Apple Pay with instant settlement. No card terminals, no rental fees, no drama of unconfirmed transactions
Why it matters
The shortlist
- Phone-to-phone — your customer taps their phone to yours, money lands
- Card-to-phone — accept any contactless card with a quick NFC tap
- Works as a full mPOS / SoftPOS — no external reader, no hardware fee
- Apple Pay, Google Pay and smartwatch payments supported out of the box
- Dynamic & static QR for stalls, tables, deliveries and window displays
- Instant SMS receipts, daily settlement, multi-cashier accounts and audit trail
How it works
Live in minutes, not weeks
Open Pady Business
Tap "Collect" and enter the amount — under 5 minutes from install to first sale.
Customer taps
Card, phone, watch or QR — Pady reads it over NFC and confirms in seconds.
Money lands instantly
Both sides get an SMS. You hand over the goods. Settlement is real-time.
Features
Built like the rest of your stack
Tap-to-pay (NFC)
Accept contactless cards and phones with a single tap. No reader needed.
Phone-to-phone
Customer's phone meets yours. The transaction completes in under 3 seconds.
Card-to-phone
Skip the swipe. Any contactless Visa, Mastercard or Verve, straight to your phone.
Apple Pay & Google Pay
Accept in-person payments from local and international customers.
Smartwatch payments
Apple Watch, Galaxy Watch and Wear OS — a flick of the wrist and you're paid.
Dynamic & static QR
Per-order or per-stall. Anyone with a Nigerian banking app can pay.
Auto-receipts
Branded SMS receipts to customers, filed inside your app for reconciliation.
Cashier accounts
Add staff with scoped permissions and a full per-cashier audit trail.
Instant settlement
Money in your wallet the moment it's collected. No T+1, no end-of-day wait.
PCI-grade security
End-to-end encryption, device binding, on-device fraud monitoring.
5-minute onboarding
Sign up, verify, accept your first tap — all under five minutes.
Daily reports
End-of-day summary, categorized, ready for your accountant.
Questions
Frequently asked
Still curious? Visit the help center.
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