ThynkPay is live on both stores.
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.
Free to download. Free to use — the merchant's fee covers the cost.
The whole app, at a glance
Scroll — whichever screen lands in the middle comes into focus.
A wallet, a scanner, and a way to send money home.
Scan to pay
Point your camera at any ThynkPay merchant QR, type the amount, confirm. The payment settles in under 5 seconds.
A real bank wallet
Your wallet is an account at Providus Bank, a CBN-licensed Nigerian bank — not a balance sitting with a startup.
Send to any Nigerian bank
Top up any Nigerian bank account straight from the app. Transfers usually land in under 60 seconds.
Signup in 5 minutes
Phone number and BVN. Your BVN goes once to Providus for NIBSS verification and is never stored on our servers.
Point your phone camera here.
Scanning takes you straight to the right store listing for your phone — no searching, no wrong app.
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.
Common 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.
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 about my BVN?
Your BVN is sent once to Providus Bank for NIBSS verification. We never store your BVN on our own servers. Read the full details in our Privacy Policy.
What if my customer doesn't have a smartphone?
Any Android phone running Android 6 (Marshmallow) or newer, or any iPhone 6S or newer, can install the ThynkPay app. The app is small and works on any data plan. If you're not sure, our field agent can help your customers check when they visit.