Pay bills and manage money, all in one place
Buy airtime and data, pay for electricity, cable TV and more. Fund your wallet and track every transaction with a fast, secure experience built for Nigeria.
Wallet balance
₦---
MTN Airtime
0803 ••• 4567
Wallet funding
Card •• 4821
IKEDC Electricity
Prepaid meter
6+
Services
4
Networks
Instant
Delivery
Secure
Payments
Everything you need to pay and manage money
A complete toolkit for bills, wallet and insights — designed to be fast, secure and genuinely pleasant to use.
Instant delivery
Airtime, data and bill payments land in seconds, not minutes. No waiting around.
Bank-grade security
Encryption and audit logs keep your money and data safe.
Automatic refunds
If a payment fails, we reverse it to your wallet automatically — usually in minutes.
Spending insights
See where your money goes each month with clear charts and category breakdowns.
One unified wallet
Fund once and pay for everything. Track your balance and spending in one place.
Light & dark mode
A polished experience that adapts to your device and is easy on the eyes at night.
Pay for what matters, in one tap
From topping up your phone to settling utility bills, Rayopay covers the everyday payments you make most.
Get started in three simple steps
Create your account
Sign up in under a minute with just your phone number and email. No paperwork.
Fund your wallet
Add money instantly with your card or bank transfer. Your balance is ready to spend.
Pay anything
Buy airtime, data or settle bills in a couple of taps. Get instant receipts every time.
Ready to take control of your payments?
Create your free account and start paying bills in minutes.