altpay
Products
📱
AltPay QR
Accept payments without a POS. Just scan.
🌐
Payment Gateway
API-first checkout for your website or app.
How it works Features Security FAQ
Download App
Now Live · CBN Regulated and Compliant

Pay and Get Paid.
No POS. Just Scan.

AltPay is Nigeria's QR-powered payment solution, giving merchants a hardware-free way to accept payments and customers a seamless way to pay, save, and transact.

Download AltPay → See how it works
100K+
Target users · 6 months
<2s
Transaction speed
99.9%
Uptime guaranteed
✓ Payment Successful
altpay ₦48,200
Scan to pay me
💳
Last payment
₦12,500 received
📊
Today's total
₦84,300 settled
The Problem

Traditional payments are holding Nigeria back.

POS terminals are expensive, unreliable, and inaccessible for many. AltPay changes that.

🔌
POS Terminals Fail
High hardware costs, frequent downtime, and poor connectivity leave merchants and customers stranded at the point of sale.
💸
Cash Is Risky
Cash handling exposes businesses to theft, counterfeit currency, and the inefficiency of manual reconciliation every day.
🚫
Financial Exclusion
Small merchants and rural populations are locked out of digital finance due to expensive hardware and complex onboarding.
AltPay replaces all of this with a simple QR code on your phone. No hardware. No stress. Just payments.
Get started free →
How it works

Up and running in 3 simple steps.

Getting started takes minutes. All you need is your BVN and a smartphone.

1
Download and Register
Download the app, enter your BVN and date of birth, then verify your identity with an OTP and a quick selfie.
2
Activate Your Account
Your AltPay savings account is created instantly. Set your PIN, fund your account, and you're ready to go.
3
Scan, Pay and Get Paid
Scan a QR code to pay merchants or display yours to receive payments. No POS, no hardware. Just your phone.
Features

Built for merchants. Loved by customers.

Whether you're accepting payments or making them, AltPay has everything you need in one place.

📱
Core Feature
QR Code Payments
Generate static or dynamic QR codes to accept payments instantly. No POS hardware needed. Just display and collect.
🔗
Core Feature
Payment Links
Create shareable payment links for products or services. Send via SMS, email, or messaging apps instantly.
👥
Merchant Exclusive
Staff Management
Invite agents via email, assign roles, and let them process payments on your behalf with full activity tracking.
📊
Dashboard
Transaction Reporting
Real-time transaction logs, staff performance metrics, and exportable daily, weekly, or monthly reports.
📍
Security
Location Binding
Bind QR codes to specific locations so only staff assigned to that branch can process transactions.
🔄
Coming Soon
Auto Bank Transfers
Schedule automatic transfers from your AltPay savings account to your bank account at set intervals.
📷
Core Feature
Scan and Pay
Scan any AltPay merchant QR code to make instant payments. Static QR for custom amounts, dynamic QR for preset prices.
🏦
Core Feature
AltPay Savings Account
A fully functional Nigerian savings account. Deposit, withdraw, and transfer just like a regular bank account.
🔍
Safety
Account Enquiry
Verify any bank account name before sending money. Reduces wrong transfers and builds transaction confidence.
🧾
Transactions
Digital Receipts
Every transaction generates a receipt instantly. Share via email or SMS with a single tap.
📋
Dashboard
Transaction History
Filter, search, and review every payment you've made or received. A full audit trail always at your fingertips.
⚖️
Support
Dispute Resolution
Raise a dispute directly from any transaction. Get a tracking ID, acknowledgment within 24 hours, and status updates.
Security and Trust

Bank-grade security on every transaction

AltPay is built with the same security standards as a regulated Nigerian bank.

🔐
AES-256 Encryption
Every transaction and piece of data is encrypted with bank-grade AES-256.
🤳
Facial Verification
Facial verification helps ensure only you can access your account.
📍
Geotagging Security
Location-based controls bind transactions to authorized devices and branches.
✅
CBN KYC/AML Compliant
Built with KYC and AML compliance requirements for regulated financial services.
Now Live

Ready to ditch the hardware?

Join merchants and customers already using AltPay. Download the app and get started in minutes. All you need is your BVN and a smartphone.

🍎
Download on the
App Store
▶
Get it on
Google Play
✓ Free to download ✓ CBN regulated ✓ Setup in minutes
FAQs

Common questions, clear answers.

Need more help? Reach us at [email protected] or via in-app live chat.

What is AltPay? +
AltPay is a QR-based payment solution that allows merchants to accept payments and customers to make payments using their smartphones. No POS terminal required.
Is AltPay safe to use? +
Yes. AltPay is designed with encryption, facial verification, geotagging security, and KYC/AML compliance.
What do I need to sign up? +
You need your BVN and date of birth to get started. You will also take a quick selfie for identity verification.
Can I pay other banks with AltPay? +
QR payments currently work within the AltPay ecosystem. Inter-bank transfers via account number are planned for the next product release.
How do transaction limits work? +
Limits are based on your KYC tier. Tier 1 starts at ₦50,000 per transaction. Upgrading your account with more identity documents unlocks higher limits.
What if a transaction goes wrong? +
Raise a dispute directly from your transaction history. You will get a unique tracking ID and status updates.
Building an online business?

Need to accept payments on your website or app?

The altpay Payment Gateway gives developers a checkout API with transparent pricing, 1.5% capped at ₦2,000.

Tell us your story

Select your OS

Find the perfect app version for your device by choosing your OS below. You will be redirected to your app store.

Abubakar Muhammad Musa

Summary

Abubakar Muhammad Musa is currently a Sharia Advisor and Consultant for SHAPE Knowledge Services a consulting firm based in Kuwait. He has been involved in product development, Sharia research and approval of Islamic banking products for different clients. His work covers retail banking, corporate banking and project finance deals.

Formerly, Abubakar worked as a Researcher in different units at International Shariah Research Academy for Islamic Finance (ISRA) in Kuala Lumpur, Malaysia. Besides his primary assignments in ISRA, he taught Shariah Rules in Financial Transactions to Chartered Islamic Finance Professional (CIFP) Masters online Students of International Centre for Education in Islamic Finance (INCEIF), Malaysia. He also taught MBA and BBA Students different Islamic Banking and Finance Subjects at University College of Bahrain.

Abubakar holds two Diplomas with distinction, one in Islamic Law and the other in Arabic Language from Al-Imam University Riyadh. He also holds LLB (Hons) degree in Shariah from the same University. He successfully completed his (CIFP) Professional Masters Degree Programme at (INCEIF), Malaysia. He had his internship program on Islamic Banking & Finance at Fajr Capital in Kuala Lumpur. During the programme, Abubakar conducted research relating to product structuring and market development.

Abdurraheem Ahmad Sayi

Summary

Abdurraheem Ahmad Sayi is a legal practitioner and Consultant of over 16 years of active legal practice. He is currently the principal partner, A.A. Sayi & Co. (Qist Chambers) and Qadi, Independent Shari’ah Panel of Lagos State – a platform, through which he has delivered several judgments of in-depth analysis, widely applauded by leading legal and intellectual icons, including learned Judges, professors of law and Islamic Studies.

He is the Executive Director/C.E.O., ClearPath Islamic Centre (Incorporated), Lekki-Lagos and Chief Imam, SilverPoint Central Mosque, Badore, Ajah-Lagos. Fondly called Imam Sayi, Abdurraheem is the designate Chairman, Shari’ah Advisory Committee, Mutual Benefit Takaaful.

Imam Sayi has also authored a few works, some of which include: The Financial Obligations: a compendium of essays on monetary or material obligations under Islamic Law and Waqf (Charity Endowment): The Governing Principles.

He holds a Certificate on Improving Personal Effectiveness from the Lagos Business School (Pan African University) and he is a recipient of numerous awards and certificates of merits.

Abdulkader Thomas

Education:

Master of Arts Law and Diplomacy, The Fletcher School of Law & Diplomacy.

Bachelor of Arts Arabic & Islamic Studies, The University of Chicago.

Shariah Board Experience:

Bank Muscat Meethaq (2013 – 2017)

Sterling Bank Nigeria (Since 2013)

University Bank, USA (Since 2006)

Summary

Abdulkader Thomas has over 35 years of diversified financial services experience in major markets. With a Master of Arts Law and Diplomacy from The Fletcher School of Law & Diplomacy and a BA in Arabic & Islamic Studies from The University of Chicago. His areas of activity have included trade finance, real estate finance, securities and alternative finance.

As the general manager of a foreign bank branch in New York, he secured the first US regulatory approvals of Islamic mortgage and instalment credit/sale as banking instruments. Later, he secured US regulatory approval for profit sharing deposits. Abdulkader has been involved in the successful implementation of these products in the US market. With more than 17years Shariah Board Experience in Bank Muscat Meethaq, Sterling Bank Nigeria and University Bank USA, Abdulkader has worked on IFTA projects in Europe, Africa, Southeast Asia, and an authority on Islamic deal structures and securities.

He also serves as a director of Alkhabeer Capital in Jeddah and Chairman of Alkhabeer (DIFC). He is a member of the international advisory board of the Securities Commission of Malaysia, a published author, and an active speaker on Islamic finance.