Super Agent Network

Powering Business & Commerce Across Nigeria

CalPay is built for everyday Nigerians—students, traders, artisans, freelancers, small business owners, and young professionals—who need simple and affordable financial solutions.

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CalPay POS

Merchant:Online

Amount

₦25,000.00

Clear

Pay

Who We Serve

Target Audience

CalPay is built for everyday Nigerians who need simple, affordable, and accessible financial solutions.

Students & Youth

Young Nigerians aged 18-30 who need simple digital banking for daily transactions.

Traders & Artisans

Market women, mechanics, tailors, and small business owners who need reliable payment acceptance.

Freelancers & Professionals

Young professionals and gig workers who need instant transfers, bill payments, and tools to manage irregular income.

Small Business Owners

SMEs seeking omnichannel payment solutions, business accounts, and tools to manage cash flow.

Unbanked & Underserved

Rural and semi-urban populations without access to traditional banks.

Agents & Merchants

Empowered individuals serving as CalPay touchpoints in their communities.

What Drives Us

Our Core Values

💡

Simplicity

Managing and accessing money should be easy and straightforward for every Nigerian.

🛡️

Reliability

A platform you can count on—secure, stable, and always available.

🔍

Transparency

Lower, fairer fees with no hidden charges.

🌍

Accessibility

Every Nigerian deserves access to financial tools that build a better future.

The CalPay Difference

Why CalPay

Comprehensive Super Agent Network

CalPay combines agent network management, cash in/out, transfers, bill payments, account opening, and merchant payment solutions—all under one platform.

Key Advantage

Lower, Transparent, Fairer Fees

Our fees are lower, more transparent, and fairer than existing alternatives.

Deep Commitment to Inclusion

CalPay is uniquely positioned to reach the underserved and unbanked populations.

Merchant Solutions

On-board as a Merchant / Request POS Terminal

Use our platform for collection and request a POS terminal today. Join 150+ agents and merchants already growing their business with CalPay.

Request Your POS Terminal

Fast setup • Instant settlement • 24/7 support

Request Now

Grow Your Business with CalPay POS

Accept payments seamlessly with CalPay POS terminals. Whether you run a retail store, restaurant, or service business, our POS solutions are designed to help you collect payments faster and manage your business better.

Instant settlement

All card types accepted

Zero hidden charges

24/7 dedicated support

Free merchant training

Transaction history & reports

Request POS Terminal Talk to Sales

The Opportunity

Market Opportunity

200M+

Total Population

60M+

Unbanked Adults

Fintech Market Size

45%

Smartphone Penetration

Nigeria is one of Africa's largest fintech markets with over 200 million people. CalPay is uniquely positioned to capture this opportunity.

We're building for the 60 million+ unbanked Nigerians who have been left behind.

What We Offer

Our Services

Cash In / Cash Out

Deposit and withdraw cash at any CalPay agent location nationwide

Funds Transfers

Instant transfers to all Nigerian banks with 100% success rate

Bill Payments

Pay electricity, cable TV, and utilities with zero charges

Account Opening & KYC

Open accounts and complete KYC verification for the unbanked

POS & QR Payments

Merchant payment solutions via POS terminals and QR technology

ePIN Vending

Airtime, data, and subscription PINs available instantly

Get Started

How We Work

Download & Register

Download the CalPay app, create your account, and complete verification in minutes.

Access All Features

Instant access to payments, transfers, bill payments, and more.

Grow With CalPay

Merchants accept digital payments. Agents are trained and equipped to serve communities.