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.
Get started
Ready to move money like a doer?
Join 2,400+ on the waitlist. Be first in line when Pady opens its doors.