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.
Get onboardedOne flat fee per payment. Nothing else.
No setup fee, no monthly fee, no hardware to buy, no minimum volume. The fee is a flat naira amount per transaction — it never scales with the size of the payment, and it's capped at ₦50 no matter how large the amount. Withdrawals to any Nigerian bank carry a flat ₦10 ThynkPay fee (waived under ₦1,000) plus the bank network's own transfer charge and 7.5% VAT on that charge; adding money to your wallet is always free.
- No setup fee, no monthly fee
- No card-reader to buy
- Real bank wallet at Providus
- Withdraw to your bank anytime
- Printed QR poster, delivered
- In-person training included
What you pay
- FreeUnder ₦500Small everyday payments cost nothing.
- ₦5₦500 – ₦2,000Flat, per transaction.
- ₦10₦2,000 – ₦10,000Flat, per transaction.
- ₦20₦10,000 – ₦100,000Flat, per transaction.
- ₦50Above ₦100,000Capped — it never goes higher than this.
We come to you. Not the other way round.
No forms to fill, no office to visit, no queue to join.
Tell us where you are
WhatsApp or email us your business name and Lagos area. That's the whole application.
A field agent visits
Within 48 hours, in person, at your shop. They bring your printed QR poster and set up your wallet on the spot.
Start taking payments
Display the QR. Customers scan and pay. Money lands in your wallet in seconds — withdraw to your bank whenever you want.
A field agent, at your shop, within 48 hours.
Tell us your business name and where you are in Lagos. We'll bring the printed QR poster, set up your wallet, and walk you and your staff through it in person — all free.
Pick whichever is easiest:
By contacting us you agree we'll follow up about ThynkPay. We never share your details. Privacy Policy
The things merchants ask us
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.
How fast does the money arrive?
Wallet-to-wallet payments (customer → merchant) settle in under 5 seconds. Bank withdrawals (your ThynkPay wallet → your Nigerian bank account) settle within minutes — usually under 60 seconds.
Do I need a POS machine?
No. Just a phone that can display a printed QR code (or photos of it for your customers). No special hardware required.
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.
I'm a business owner — how do I get onboarded?
Tap the merchant button at the top of the page (or scroll to the For Merchants section). A field agent visits your shop within 48 hours with everything needed — including your printed QR code poster, account setup, and training.