Get paid by QR.
In seconds.
Straight to your bank.
A field agent can come to your shop within 48 hours.
From signup to first payment in under an hour.
No paperwork. No queues. A field agent visits your shop.
Sign up in 5 minutes
Phone number and BVN. That's it. Your wallet is created with Providus Bank on the spot. No paperwork. No queues. No fees.
Print your QR — display it anywhere
Stick it on your stall, by the till, on the wall, or on a customer's receipt. We give you a print-ready PDF the moment you're onboarded.
Get paid. Withdraw anytime.
Customers scan with any banking app or with ThynkPay. Money lands in your wallet within seconds. Withdraw to any Nigerian bank, also within seconds.
Want the full walkthrough? Perfect for training agents, merchants & customers.
Become one of our launch partners.
We're handpicking the first 500 merchants across Lagos — restaurants, provisions shops, market stalls, salons, drivers, kiosks, side hustles. Any business that takes cash today.
- No setup fee, no monthly feeFREE
- No card-reader to buyFREE
- Real bank wallet at ProvidusFREE
- Withdraw to your bank anytimeFREE
- Printed QR poster, deliveredFREE
- In-person training includedFREE
Book your onboarding
A field agent will visit your shop within 48 hours. Pick the channel that's easiest for you.
By contacting us you agree we'll follow up about ThynkPay. We never share your details. Privacy Policy
Digital payments skipped the people who need them most.
Nigeria's economy runs on traders, artisans and vendors — the people POS machines were never priced for. ThynkPay works with a printed QR code and the phone that's already in your pocket. Nothing to buy, nothing to install, nothing to learn.
We hold the app. Providus holds the money.
ThynkPay is a technology company, not a bank. Your wallet is a real bank account, which means your money is never sitting with a startup.
- A real bank account, not a balance in an app
Every wallet is a live account at Providus Bank, a CBN-licensed Nigerian commercial bank.
- Your BVN never touches our servers
It's passed once to Providus for NIBSS verification, and that's it. We don't store it.
- Withdraw to any Nigerian bank, any time
Even if ThynkPay stopped existing tomorrow, your money would still be at Providus — and still yours.
ThynkPay is live on Google Play and the App Store.
Sign up in under 5 minutes with your phone number and BVN. Pay any ThynkPay merchant by scanning their QR, or top up any Nigerian bank account in seconds — all backed by Providus Bank.
Trouble installing? Email info@thynkpay.com or WhatsApp us on +234 704 700 7134.
Scan with your iPhone camera to install ThynkPay from the App Store.
Frequently Asked Questions
Where can I download the ThynkPay app?
ThynkPay is live on Google Play (search “ThynkPay” or open play.google.com/store/apps/details?id=com.thynkpay.mobile) and the App Store (apps.apple.com/app/id6760615518). Both listings link straight to the download. Scan the QR codes in the “Get the app” section with your phone camera for a one-tap install.
How does ThynkPay actually work?
Merchants get a QR code. Customers scan it (with ThynkPay or any banking app that supports NIBSS transfers) and type the amount. The money lands in the merchant's ThynkPay wallet — a real bank account at Providus Bank — which can be withdrawn to any Nigerian bank at any time.
Is my money safe?
Yes. Your money sits at Providus Bank, a CBN-licensed Nigerian commercial bank. ThynkPay is the app on top — like how WhatsApp uses your phone's data plan. Even if ThynkPay stopped existing, your money would still be at Providus and you could withdraw it directly through them.
What does it cost?
For merchants: no setup fee, no monthly fee. Free for amounts under ₦500. ₦5 for ₦500–₦2,000, ₦10 for ₦2,000–₦10,000, ₦20 for ₦10,000–₦100,000, ₦50 for anything above ₦100,000. Withdrawals to a bank: flat ₦10 (waived under ₦1,000) plus the bank network's transfer charge and 7.5% VAT on that charge. Adding money is free. For customers: the app is free — the merchant's fee covers the cost.