Smart, automated, and rewarding utility payments.
Fund your wallet once, then buy airtime, data, pay electricity, cable TV, exam pins, and government bills; all while earning cashback and building your savings vault automatically.
All Your Utilities, One Platform
From airtime to government payments, pay for all essential services instantly at the best rates and earn cashback on every transaction.
Virtual Dollar Card Coming Soon
Get a prepaid USD virtual card for Netflix, Spotify, Amazon, and global e-commerce; funded directly from your wallet.
Remita (RRR) Coming Soon
Process government fees, school levies, and institutional payments via Remita Reference Numbers (RRR) in seconds.
Savings Vault
Set an auto-save rule to tuck a fixed amount into your vault on every purchase. Flexible (withdraw anytime) or fixed (locked until maturity).
Smart Automation
Set bills to auto-renew on a daily, weekly, or monthly schedule. Pause or edit your schedules anytime.
How NovvaPay Works
Get started in minutes. No paperwork, no hidden charges.
Create Your Account
Sign up in under 2 minutes. Get a dedicated virtual bank account number instantly.
Fund Your Wallet
Transfer via bank or card (Paystack & Monnify), or with USDC crypto once it launches. Your balance appears instantly.
Pay & Automate Bills
Buy services at the best rates, set recurring schedules, and earn cashback on every transaction.
3 Ways to Fund Your Wallet
Traditional banking, card payments, or crypto — choose what works best for you.
Virtual Account
Every account comes with a dedicated personal bank account number. Transfers instantly top up your wallet.
Card & Bank
Fund via debit card or bank through the Paystack and Monnify payment gateways.
Crypto (USDC) Coming Soon
Deposit stablecoins via the Base Network (a low-fee Layer-2 blockchain) powered by Circle.
Why Choose NovvaPay?
Bank-Grade Security
Encrypted transactions, 2FA authentication, and transaction PINs keep your funds safe at all times.
Earn While You Pay
Every utility purchase returns a cashback micro-percentage to your wallet. Your money works for you.
500MB Welcome Bonus
New users receive 500MB free data after registration, identity verification (BVN), and their first wallet funding.
Refer & Earn
Share your referral code. Earn a bonus when your friend registers and funds; they get 500MB too.
Auto-Save Rules
Set a fixed amount to auto-save into your savings vault on every qualifying purchase — airtime, data, electricity, and more.
Web3 Ready
Coming soon: fund your wallet with USDC stablecoins via the Base Network for seamless crypto-to-utility payments.
Pay on WhatsApp
Use NovvaPay directly inside WhatsApp chat. Buy airtime, data, and pay bills without leaving the app.
Pay on Telegram
Manage your account and make instant payments from the Telegram bot. Fast, secure, and always in your pocket.
Questions, Answered
Everything you need to know about paying with NovvaPay.
What is NovvaPay?+
NovvaPay is a closed-loop utility payment platform in Nigeria. You fund your wallet once, then buy airtime, data bundles, electricity tokens, cable TV subscriptions, and exam pins — while earning cashback and building automatic savings.
How do I fund my NovvaPay wallet?+
Every account gets a dedicated virtual bank account number for instant transfers. You can also fund with a debit card or bank payment through the Paystack and Monnify gateways. USDC crypto funding arrives soon.
Which mobile networks are supported for airtime and data?+
NovvaPay supports MTN, Glo, Airtel, and 9mobile (Etisalat) for instant airtime top-ups and data bundles, with printable recharge vouchers also available.
Do I earn rewards when I pay with NovvaPay?+
Yes. Every qualifying purchase returns a cashback micro-percentage to your wallet, and auto-save rules can tuck a fixed amount into a savings vault on each transaction.
How do I get the 500MB welcome bonus?+
New users get 500MB of free data after completing identity verification (BVN), funding their wallet for the first time, and verifying the bonus code sent via SMS.
Is the Virtual Dollar Card or crypto wallet available yet?+
Not yet. The prepaid USD Virtual Dollar Card and USDC crypto wallet (on the Base Network via Circle) are coming soon to the platform.
Refer a Friend, Both of You Win
Share your referral code. When your friend registers and funds their account, you both get rewarded; and they unlock their 500MB welcome data bonus.
Join & Get Your BonusReady to Get Started?
Join thousands of Nigerians who save time and money on utility payments. No hidden fees, no nonsense.
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