Smart Wallet
Fund once, pay anything. Top up via card, transfer or USSD and use your balance across all services with one tap.
2% Cashback Program
Earn real money on every transaction. Withdraw cashback to your wallet or use it for your next bill.
Auto-Pay & Reminders
Schedule recurring payments for rent, subscriptions and utilities. Never miss a due date again.
Bank-Grade Security
256-bit encryption, biometric login, transaction PIN and PCI-DSS compliant payment infrastructure.
More features
The little things that add up
A dozen thoughtful details that turn paying a bill into a pleasant moment.
Instant delivery
Most transactions confirm in under 5 seconds via direct biller APIs.
Digital receipts
Every transaction generates a downloadable PDF receipt with biller token.
Beneficiaries
Save phone numbers, meter numbers and smartcard IDs for one-tap re-pay.
Smart notifications
Get push, SMS or email alerts the moment your transaction completes.
Transaction PIN
A 4-digit PIN protects every payment, even if your phone is unlocked.
Spending insights
See where your money goes each month with category-based analytics.
Network auto-detect
Type a phone number — we detect MTN, Airtel, Glo or 9mobile automatically.
Multiple payment methods
Cards, bank transfer, USSD, wallet — pay however you like.
Cross-border ready
Built for Nigeria, Ghana and beyond. Multi-currency on the roadmap.
24/7 human support
Real Nigerians answering chat, email and phone — no bots, no scripts.
Transaction history
Searchable, filterable, exportable history going back to day one.
Bulk uploads
Pay 100 staff airtime in one CSV. Built for SMEs and HR teams.
Compare
GapCastle vs the alternatives
See how we stack up against traditional bank apps and USSD codes.