Transparent Pricing

Free banking. Pay as you use.

Zero monthly fees, no deposit fees, no maintenance fees, no hidden fees. Only pay when send money or collect payment with automated tools and it's low fee.

No-Code Operations

Manage Your Money with Payinto

Manage payments, issue dedicated virtual bank accounts, track balances, and process transfers directly from our mobile app and intuitive dashboard. Built for individuals and modern businesses alike.

Create Free Account

Core Banking Services

Account & Virtual Account Issuing

Instantly issue dedicated and multi-purpose bank accounts to collect payments, automate reconciliation, and settle transactions smoothly.

Free
No creation fee

SubAccount and Wallet

Create segregated wallet and sub-accounts to isolate funds, track distinct revenue streams, and manage allocations seamlessly.

Free
No limits

Payments & Collections

Inflow Channel

Deposit

Receive money through dedicated static virtual bank accounts, instant notifications and reconciliation.

Free 0% fee

No transaction fees

Gateway

Collections & Checkout

Payment collection via Checkout widgets, Invoicing, Payment Links, and API gateways.

Virtual Account

Virtual account collections via checkout gateway.

1%

Capped at ₦500 max

Local Cards

Accept local Naira debit & credit cards.

1.5%

Capped at ₦2,000 max

Intl. Cards

Accept foreign currencies and cards globally.

5.5% + ₦100

Settled in Naira

Transfers & Payouts

Outward Transfers

Instant transfers to any Nigerian bank

₦50,000 and below ₦15
₦50,001 to ₦1,000,000 ₦20
₦1,000,001 and above ₦45

* Exclusive of VAT and FGN Stamp Duty Fee of ₦50 for transfers of ₦10,000 and above.

Earn with Payinto

Resell Airtime, Data & Bill Payments

Connect via our API to resell bills payment, airtime, and data bundles. Top up instantly and earn commission on every transaction.

Commissions up to
4%

Ready to get started?

Create Free Account Talk to Sales