One account number. Every customer. Zero guesswork
Every transfer lands, matches a customer, and updates your dashboard — automatically.
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The Problem
The treasurer shares one account number with the whole cooperative. Money lands. Names don't.
“Who just sent ₦10k?”
Features
Not shared. Not personal. A dedicated Nomba virtual account that belongs only to your business.
Every transfer is matched to the right customer the moment it lands. No reference codes. No guessing.
Set up your business and add customers entirely from a WhatsApp conversation. No app to download, no form to fill.
Text 'withdraw' anytime and move your balance to your main bank account.
Cooperatives, lesson teachers, clinics, gyms — made for the businesses banks have always overlooked.
Built on real Nigerian payment infrastructure, not a workaround.
Every payment, every customer, every cycle. Laid out in one place. Updates the moment money lands.
Your customers don't download anything. They transfer exactly like they already do.
Who it's built for
Payment infrastructure exists. It just wasn't built for businesses like yours.
If your customers transfer into one shared account and you're left guessing who paid what, PayFlow is built for you.
Cooperatives & contribution groups
Members send dues every cycle. The treasurer no longer tracks it by hand.
Lesson teachers & tutors
Parents pay per term or per session, automatically tied to the right student.
Gyms & fitness studios
Members pay monthly. Know exactly who's current and who's owing, at a glance.
Churches & community giving
Tithes and offerings transfer in like always. Every gift matched to a giver, no more screenshots.
How We Compare
Why PayFlow beats tracking payments by hand
Know exactly who paid
Every transfer matched to a customer, automatically
Dedicated business account number
Not a personal account shared across everyone
Real-time balance & dashboard
See who's paid, who's owing, updated the moment money lands
Works your way — transfer or auto-pay
Pay manually whenever you want, or set up automatic recurring charges
No screenshots or follow-up messages
No more chasing 'abeg confirm you don pay'
Works for any amount, any time
Fixed dues or one-off contributions — matching works the same way
A record that outlives the treasurer
If the person managing it changes, the history doesn't disappear with them
Payout on demand, from WhatsApp
Text to withdraw, no app to download