Cidapay
Features Services How It Works Contact
Nigeria's #1 Business Banking Platform

The Smarter Way to Run Your Business Finances

Accept payments, manage staff, track revenue, process bulk transfers — everything your business needs in one powerful platform.

Open Business Account — Free See How It Works
₦2.4B+
Processed Monthly
14,000+
Active Merchants
99.9%
Uptime SLA
24/7
Support
app.cidapay.com/business/dashboard
Available Balance
₦4,285,500.00
↑ Commission: ₦12,400
Transfer
Pay Link
POS
QR
Today Revenue
₦284,000
↑ 23%
6-Month Revenue
Commission (30d)
₦48,200
Earned
Active POS
4 / 6
Online
Staff Members
12
3 Roles
Built for Serious Business Growth
Every tool a Nigerian business needs to accept payments, manage operations, and scale revenue — in one app.

Wallet & Balance Overview

Real-time balance visibility with commission, today's revenue, and pending settlement tracking.

  • Available Balance
  • Commission Earned
  • Today's Revenue
  • Pending Settlements

POS Management

Monitor, control and analyze all your POS terminals from a single dashboard.

  • Remote terminal monitoring
  • Real-time transaction alerts
  • Per-terminal analytics
  • Instant enable/suspend

Staff & Branch Management

Create staff accounts with custom roles and permissions across multiple branches.

  • Admin, Manager, Cashier, Viewer
  • Granular permissions
  • Branch-level analytics
  • Staff transaction tracking

Revenue Analytics

Deep revenue insights, profit reports, and commission breakdowns to grow smarter.

  • 6-month revenue charts
  • Commission breakdown
  • Service performance
  • Statement download

Payment Links & QR Codes

Generate payment links and merchant QR codes to accept money from anyone, anywhere.

  • Fixed & open amount links
  • Recurring payment links
  • Branded merchant QR
  • One-tap sharing

Bulk Transfers

Pay salaries, commissions, and suppliers to hundreds of recipients in one single operation.

  • Manual entry or CSV upload
  • Cidapay + bank accounts
  • Real-time processing status
  • Detailed transfer receipt
Up and Running in 5 Minutes
1

Create Your Business Account

Sign up with your business details — BVN, CAC registration, and business name. Verification takes under 24 hours.

2

Set Up Your Business Profile

Add your branches, invite staff with defined roles, and configure your merchant QR code and payment links.

3

Fund Your Wallet & Start Transacting

Deposit funds, process airtime, data, electricity, cable payments — and earn commissions on every transaction.

4

Track Growth in Real-Time

Monitor daily revenue, commissions, branch performance, and download monthly profit statements anytime.

Live Activity
Airtime Sold
MTN • 08012345678 • 2 min ago
+₦50.00
POS Transaction
Terminal #POS-004 • 5 min ago
₦12,500
Payment Link Paid
Invoice #INV-2024 • 12 min ago
+₦85,000
Commission Earned
Electricity bill payment
+₦125.00
Settlement Received
Weekly settlement • GTBank
+₦480,000
Everything a Business Needs

Airtime

Top up any network — MTN, Airtel, Glo, 9mobile — at the best rates with instant commissions.

Data Bundles

Sell data to customers across all Nigerian networks. Earn per transaction.

Electricity

PHCN prepaid and postpaid token payments. All DisCos supported.

Cable TV

DSTV, GOtv, StarTimes subscription renewals, instantly delivered.

Bank Transfer

Fast transfers to all Nigerian banks. Same-day settlement guarantee.

Bulk Payments

Pay salaries, commissions and vendors to hundreds of accounts at once.

Merchant QR

Accept contactless payments via a branded QR code — no hardware needed.

Payment Links

Create and share payment links for invoices, deposits, and collections.

What Our Merchants Say
★★★★★
"Cidapay Business transformed how I run my supermarket. I can see all 3 branches in real-time, track staff transactions and my monthly revenue reports are automatic."
A
Adebayo Olumide
Supermarket Owner · Lagos
★★★★★
"The bulk payment feature saves me hours every Friday. I pay all my 40 agents at once, and the commission tracking is absolutely brilliant."
F
Fatimah Abubakar
Agency Banking Manager · Kano
★★★★★
"Since switching from OPay Business to Cidapay, our POS acceptance rate improved by 30%. The dashboard is so much cleaner and the support team is always responsive."
C
Chisom Nwachukwu
FinTech Entrepreneur · Enugu

Ready to Take Your Business to the Next Level?

Join 14,000+ Nigerian merchants already growing their businesses with Cidapay. Account creation is free and takes 5 minutes.