CalPay Limited is a Super Agent and Nigerian fintech company on a mission to make financial services accessible to every Nigerian.
CalPay Limited is a Super Agent and Nigerian fintech company on a mission to make financial services accessible to every Nigerian. We operate as a bridge between financial institutions and everyday users, delivering banking services directly to underserved and unbanked communities across the country. Through our structured agent network and digital platform, CalPay provides fast, secure, and affordable financial services to individuals, merchants, and businesses regardless of their location or income level.
Our Vision
To be the leading financial inclusion driver; making financial services accessible to every Nigerian regardless of their location, income level, or access to traditional banking infrastructure.
Our Mission
To deliver fast, secure, and affordable financial services to everyday Nigerians through a structured and compliant agent network thereby bridging the gap between financial institutions and underserved communities while driving financial inclusion at scale.
At CalPay we are driven by simplicity, reliability, and transparency. We believe managing and accessing money should be easy, affordable, and straightforward for every Nigerian regardless of their background or income level.
Managing and accessing money should be easy and straightforward for every Nigerian.
A platform you can count on—secure, stable, and always available when you need it.
Lower, fairer fees with no hidden charges. Every Nigerian keeps more of their hard-earned money.
From urban centres to rural communities, every Nigerian deserves access to financial tools that build a better future.
As a Super Agent, CalPay delivers a comprehensive range of financial services through our digital platform and growing agent network.
Deposit and withdraw cash at any CalPay agent location nationwide
Instant transfers to all Nigerian banks with 100% success rate
Pay electricity, cable TV, and utilities with zero charges
Open accounts and complete KYC verification for the unbanked
Merchant payment solutions via POS terminals and QR technology
Airtime, data, and subscription PINs available instantly
Social welfare and government payment distribution through agent network
Basic financial literacy training for underserved communities
All services delivered in full compliance with regulatory standards
Getting started with CalPay is simple and straightforward.
Download the app, create your account, and complete a quick verification process—all in a matter of minutes.
Once set up, you have instant access to all CalPay features—payments, transfers, bill payments, and more. Can't access the app? Contact customer support.
Merchants accept digital payments via POS and QR. Agents are fully trained and equipped to serve their communities.
We are not just another fintech—we are a movement toward a more financially inclusive Nigeria.
CalPay combines agent network management, cash in cash out and withdrawals, funds transfers, bill payments, account opening, and merchant payment solutions—all under one structured, reliable platform.
Our fees are lower, more transparent, and fairer than existing alternatives. Every Nigerian keeps more of their hard-earned money while accessing world-class financial services.
CalPay is uniquely positioned to reach the underserved and unbanked populations that existing players have consistently failed to serve—making us a movement toward a more financially inclusive Nigeria.
CalPay is on a mission to become Nigeria's leading Super Agent network, delivering affordable and transparent financial services to low and middle income earners across the country. We are committed to bridging the gap in access to financial tools for everyday Nigerians who have historically been underserved by traditional financial systems. Ultimately we want every CalPay user, merchant, and agent to feel confident, valued, and financially empowered.