Your money. Boringly safe.
We obsess over the unsexy parts of moving money — so you can do the exciting parts of your life without thinking about us.
How we protect you
Defence in depth, top to bottom.
End-to-end encryption
TLS 1.3 in transit. AES-256 at rest. Card data never touches our servers — tokenized at the network.
Biometric auth
Face ID, fingerprint, and device binding. Every transaction confirmed by you, on your device.
24/7 fraud monitoring
Every transaction scored in real time. Anomalies flagged, your money paused, you alerted instantly.
NDIC-insured deposits
Customer balances are held with licensed banking partners and insured up to ₦5,000,000.
One-tap freeze
Lost your phone? Freeze the account, cards, and outgoing transfers in two taps from the web.
Audited annually
ISO 27001 certified. PCI DSS Level 1. SOC 2 Type II report available on request.
Licensing & compliance
The paperwork done properly.
Mobile Money Operator licence from the Central Bank of Nigeria.
Customer deposits insured by the Nigeria Deposit Insurance Corporation.
Highest level of payment card data security compliance.
Full compliance with the Nigeria Data Protection Regulation.
Get started
Got a security concern?
Email security@padymoney.com. We respond to disclosure reports within 24 hours and run a responsible bug bounty programme.