No Signal. No Problem. Just Bring Your Device Close. Payment Done.
SwissPay is the free payment app built for how Nigeria actually works. Pay at bus parks, collect at your market stall, send money across town — online or completely offline.
We are launching soon. Join the waitlist to be among the first to get access.
Built, Tested, and Ready
SwissPay has been piloted across three Lagos transport parks — Oshodi, Yaba, and Ikeja — with real operators in live conditions, including environments with poor and no network coverage.
₦0.5M
Cumulative transaction volume
0
Total payment taps
0%
Month-on-month growth
0.2%
Payment success rate including offline
Three Ways to Pay — Online and Offline
SwissPay works across three payment modes. When internet is available, transactions process online instantly. When it is not, SwissPay automatically switches to its offline protocol — so payments never stop.
Phone to Phone (SoftPOS)
The free SwissPay app turns any NFC-enabled Android smartphone into a payment terminal. Processes payments online when connected, and falls back to offline mode automatically when the network drops. Replaces ₦200,000 POS hardware with a free download. No rental fees. No hidden charges.
Watch to Watch
Two SwissPay wearables tap together and value transfers instantly. Online or offline, no terminal, no phone required. The world's first device-to-device wearable payment exchange. Built for high-speed transport environments where speed and security matter most.
Watch to Phone
A SwissPay watch taps any NFC-enabled Android phone and payment completes in under 3 seconds — whether or not there is an internet connection. Designed for conductors, vendors, and operators who serve high volumes on the move.
Nigeria's Daily Payment Crisis
For over 120,000 daily commerce operators — bus conductors, market traders, tricycle and okada operators, kiosk owners, and farmers — payment failure is not an edge case. It is the daily reality.
37%
Adults Unbanked
37% of Nigerian adults remain unbanked. Existing digital payment platforms require stable internet and a bank account. When networks fail at peak hours, cash becomes the only fallback. SwissPay removes that dependency.
11.6%
POS Failure Rate
Merchants pay 3 to 5% extra in fees just for cash access. Weekend ATMs run dry. Withdrawal limits cost operators 30 to 40% of daily revenue.
70%
SMEs Excluded
70% of SMEs excluded from digital payments. 93% of cash is hoarded outside banks — despite 60% NFC smartphone adoption. The devices exist. What has been missing is a payment platform that works with Nigeria's infrastructure, not against it.
SwissPay Wallet Balance
******
Quick Actions
Bill Payments
Built for Nigeria's Informal Economy
Download the free SwissPay app and start accepting payments instantly. Online when connected, offline when not. Works everywhere in Nigeria.
SwissPay Works for Everyone
Whether you pay, collect, or build — there is a SwissPay solution for you.
EVERYDAY USERS
Commuters & Daily Payers
Pay for bus rides, buy from market stalls, and send money — seamlessly online, and still working when the network goes down.
- Free SwissPay app on Android
- Tap and pay in under 3 seconds
- Payments work with or without internet
MERCHANTS & SMES
Market Traders & Shop Owners
Accept payments from any SwissPay user — no POS terminal, no monthly fees. Processes online when connected, offline when not — so you never lose a sale to network failure.
- SoftPOS — free app replaces ₦200K POS hardware
- Low flat transaction fee, no hidden charges
- Dashboard for transaction reconciliation
TRANSPORT OPERATORS
Conductors, Okada & Tricycles
Collect fares at every stop. Online at busy parks, offline in low-coverage routes — SwissPay handles both automatically.
- Watch-to-watch — no phone or internet needed
- 99.2% payment success rate in live Lagos pilots
- Safer than cash — no visible money to steal
RURAL & UNBANKED
Farmers & Rural Communities
Send and receive payments in areas where coverage is unreliable. SwissPay works online when signal is available and offline when it is not — with no disruption to the transaction.
- Seamless online-to-offline fallback
- No stable internet connection required
- Affordable LITE wearable at ₦10,000
Frequently asked questions
Everything you need to know about SwissPay — for users, merchants, and investors.
Be First When SwissPay Launches
Coming soon — sign up for early access
The SwissPay app and wearables are launching soon. We are piloting across Lagos transport parks right now and opening to the public shortly. Sign up below and you will be among the first to know — and the first to get access.
Let's Build the Future of Payments, Together.
SwissPay is launching soon. Whether you're a transporter, a market trader, an SME owner, or a partner — join the waitlist now and be among the first to get access when we go live.