Money that movesas fast as you do

Pay anyone in seconds, save smarter, invest and earn, build credit and run your business with ease — and do so much more. One beautifully simple app for individuals and businesses, wherever life takes you

Explore products

Secure by design Built for the future 24/7 support

Send money
Sent to Sarah
PadyVest
8.5% APY earned
For creators
New tip: $50
Pulse AI
For business
INV-0428
$12,500
Invoice #892 paid
For diaspora
🇬🇧🇺🇸🇳🇬
Transfer sent
Pay bills
Electricity due in 2d
Cards
pady•••• 4821
Card active
Invest
+12.4% ROI
For students
Cashback earned
Credit line
Limit increased
Send money
Sent to Sarah
PadyVest
8.5% APY earned
For creators
New tip: $50
Pulse AI
For business
INV-0428
$12,500
Invoice #892 paid
For diaspora
🇬🇧🇺🇸🇳🇬
Transfer sent
Pay bills
Electricity due in 2d
Cards
pady•••• 4821
Card active
Invest
+12.4% ROI
For students
Cashback earned
Credit line
Limit increased
60s
Average account opening
24/7
Real-time transfers
18%
Top savings yield
T+0
Instant settlement

The Pady stack

Designed for the way you move money

Four connected capabilities — Pay, Finance, Global Account and Cards — beautifully brought together in one app

Pay

Send, spend, settle In seconds

Move money the way real life moves — instant, everywhere, in any currency.

  • Instant transfers to any bank, 24/7
  • Bills, airtime, data in one screen
  • Pay-by-QR — street, store, online
Explore payments
Finance

Save, invest, earn, borrow — one suite

PadyVest, dollar money-markets, rewards and instant credit lines — all interlocked.

  • PadyVest — lock goals at up to 12% APY
  • Invest in dollar money-markets from a small first deposit
  • Rewards on every spend, redeem instantly
See finance
Global Account

Local reach, global possibilities

Collect locally and exchange instantly between all supported currencies — from mainstream to exotic — in one multicurrency account

  • Multicurrency
  • Local collections
  • Instant exchange
Explore global accounts
Cards

Cards for life, work, and the internet

Physical and virtual cards, one tap away

  • Multicurrency virtual cards for ads, subs, freelancing
  • Premium physical card for personal or business use
  • Freeze, fund, or burn in a tap
Order your card

For Business

Your bank, POS, payroll, tax, invoices and CFO — in one place

Payments, accounts, payroll and financial insights — connected in one business workspace.

Payments & POS

Get paid, keep business moving

Bring supported transfer, QR and card payments into one checkout. Available payment methods and settlement times depend on your market and provider.

  • Mobile mPOS and physical POS terminals
  • Manage collections and payouts
  • Bulk payouts via CSV or API
Get Pady for Business See pricing

Services, fees, settlement times and protections depend on your country, provider and account eligibility.

Mobile POS
Banking
Payouts
Payroll
Cards
Tax
Reports
Virtual CFO

Built for

Whoever you are, however you hustle

Traders & SMEs grow faster with Pady
SMB

Traders & SMEs grow faster with Pady

Run your business from one dashboard — accept payments, track sales, and settle in real time.

  • POS & QR payments with instant settlement
  • Business account, invoicing & expense tracking
  • Multi-user access with role permissions
Creators & freelancers get paid on their terms
Creators

Creators & freelancers get paid on their terms

Invoice clients globally, spend in dollars, and never miss a payment — no matter where you work.

  • USD virtual cards for ads, subs & software
  • Payment links & invoices in any currency
  • Auto-savings pots for tax and gear
Students & first-timers start money right
Students

Students & first-timers start money right

Open an account in minutes, budget easily, and build smart money habits from day one.

  • Student-friendly account with zero hidden fees
  • Goal-based savings & spending nudges
  • Instant transfers to anyone, anytime
Diaspora & families stay close to home
Diaspora

Diaspora & families stay close to home

Send money home, pay family bills, and keep everyone connected without the usual friction.

  • Fast transfers to banks & wallets back home
  • Pay bills, school fees & subscriptions
  • Family accounts with transparent tracking

What's coming

Programmatic payments
Open banking APIs
Business registration
Compliance management
Automated tax filing
Embedded credit
Group savings (Ajo)
Smart escrow
Cross-border FX
BNPL for SMEs
Cardless ATM withdrawals
Voice payments
Company secretarial
Programmatic payments
Open banking APIs
Business registration
Compliance management
Automated tax filing
Embedded credit
Group savings (Ajo)
Smart escrow
Cross-border FX
BNPL for SMEs
Cardless ATM withdrawals
Voice payments
Company secretarial

One Pady, your way

Use Pady on your preferred channels, any time, 24/7.

iOS & Android

Your money, always with you

Everyday payments, savings and a clearer view of your money.

Enlarged Pady mobile dashboard on a titanium smartphone