Built for Nigeria
Stop chasing clients.
Start getting paid.
Tell Payo who owes you — it invoices them, follows up automatically, and gets you paid. Naira or USD.
Free to start · Works on WhatsApp · No card required
The problem
Sound familiar?
Nigerian professionals lose hours every week chasing money that's already owed to them.
The endless follow-up
You did the work. Client hasn't paid. You've sent three follow-up messages and they keep saying "I'll sort it."
The international delay
Your overseas client says "I'll pay soon" for the third week running. You have no way to follow up professionally.
No proof of income
Visa application. Bank loan. Rental agreement. You need formal proof and all your payments come through WhatsApp.
How it works
Three steps. Then Payo handles the rest.
Tell Payo
Type naturally in Pidgin or English. "Send invoice to Emeka for ₦150k for the website design."
Payo invoices
A professional invoice goes to your client via WhatsApp and email — instantly.
You get paid
Payo follows up automatically with polite reminders until the money lands in your account.
Features
Everything you need to get paid
Built for Nigerian freelancers, consultants, and business owners.
Invoice via WhatsApp
Clients pay from a WhatsApp link. No app download, no friction.
Naira payments
Payments land directly in your Nigerian bank account via Paystack.
International USD
Accept USDC from clients anywhere in the world.
Payo Checkout
Sell digital products with automatic delivery after payment.
Earn every month
Get 20% of Payo's revenue shared back to you monthly.
Works offline
USSD access from any phone, no internet required.
Pioneer 100
First 100 users get ₦2,000 cashback
After your first payment. Plus lifetime reduced fees and a permanent Pioneer badge on your profile.
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