Money that moves when you do
Built on direct NIP rails with no internal batching, when Pady says sent, it's sent — Sunday at 2am included
Why it matters
The shortlist
- ₦10 flat per outbound transfer — no tiers, no hidden FX
- Free for all incoming money, always
- 24/7 settlement, including weekends and public holidays
- Schedule one-off or recurring transfers in advance
- Built-in beneficiary book — save once, send forever
- International corridors to GHS, KES, USD, GBP (rolling out)
How it works
Live in minutes, not weeks
Pick a beneficiary
From your book, or paste an account number.
Confirm with biometric
Face ID or fingerprint — no SMS OTP tax.
Done in seconds
Receipt SMS to the recipient. Receipt in your app. Move on.
Features
Built like the rest of your stack
Real-time settlement
Direct NIP integration, no overnight batching.
Cross-border (preview)
Send to Ghana, Kenya, the UK, and the US.
Scheduled & recurring
Rent, school fees, payroll — automate the boring.
Verified recipients
Name-check before you send. No more wrong-account panic.
Refund in one tap
Refund the last transfer in case of a fat-finger moment.
Receipt history
Every receipt, searchable, downloadable, for life.
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