CHAT. PAY. DISCOVER.

Money moves better when you can just chat.

Send money, pay bills, track your finances, build your AURA, and discover businesses — all from one experience where conversations and money meet.

SendRequestSplit— right in the chat
Typing…Ada is replying
₦5,000 sentCompleted
Electricity bill paid−₦2,500.00
Sarah paid you+₦4,500.00
7-day streakKeep it going
Real life

One financial experience. Many everyday moments.

Built here, for real people and real businesses — and ready for the world.

Young woman outdoors smiling with her phone in natural sunlight and greenery
Personal
₦5,000 receivedFrom a friend
Friends, splits and everyday transfers.Money moments happen in conversation.
A retail shop owner warmly attending to a customer in her store
Business · Coming soon
BK
Bella’s KitchenFood & Restaurant
4.9
ChatDiscoverPay
Businesses are becoming part of the conversation.Conversation Commerce.
Serene natural landscape with lush morning mist and green hills
Financial growth
Your AURA is taking shape
Your financial journey becomes your AURA.Habits today, a stronger identity tomorrow.
Chat-first payments

Payments that feel like a conversation.

You already ask for money, agree on amounts and share details in messages. PayChat keeps all of it in one thread — and lets you finish the job right there.

ChatTalk it through like you always do.
ActionSend, request or split without switching screens.
PaymentA clear card lands in the conversation: sent, completed.
Ada💙 PayChat Friend
You owe me for lunch 😂
How much?
₦4,500
Sending now.
Money sent
₦4,500.00
Sending…
Received ❤️
Type a message…
FROM THE APP
The product

Built around how people actually move money.

People already ask each other for money in chat. PayChat just makes the next step one tap.

  • Send money
  • Request money
  • Track expenses
  • Manage debts
  • Discover businesses
Chat-first paymentsMoney sent, requested and received show up as cards right inside the conversation.
Send money

Send money without leaving the conversation.

Five simple steps, all inside the chat. Experience the interactive concept prototype below — change the sample amount and test the flow.

  1. Find a personPick anyone you already talk to.
  2. Start a conversationOpen the thread — the payment lives right there.
  3. Enter amountType it in or tap a quick amount.
  4. ConfirmOne last look before it goes.
  5. SendA completed card appears in the chat.
Ada💙 PayChat Friend
Sample

₦5,000 sent

Delivered to Ada, right in the chat.

Money sent
₦5,000.00
Completed • just now
Your money, organised

Know where it goes. Know who owes.

Never forget who owes who.

Requests, splits and reminders in one place — so nobody has to awkwardly ask twice.

₦24,500owed to you
A
AhmedLunch
₦12,000
M
MaryamCab share
₦8,500
S
SaniData top-up
₦4,000

Know where your money goes.

A small, clean picture of your spending by category. No giant dashboards.

Food₦42,000
Bills₦31,000
Shopping₦22,000
Transport₦18,500
Subscriptions₦9,500
AURA

Meet your AURA.

Your money has a story. AURA tells it.

Your PayChat journey — earned by using the app, never by how much you move. AURA grows with your habits, your consistency and your activity: a living picture of your financial journey, not a number to chase.

  • Financial habits
  • Consistency
  • Streak
  • Activity
  • Progress
Habits Consistency Streak Activity Progress
Financial streaks

Your habits shape your AURA.

Every good financial habit adds to your AURA. Show up, stay consistent, and watch it grow from a small ring into something that’s clearly yours.

Day 1. Every journey starts small. One habit, one ring.

progression
FINANCIAL MOMENTUM
ConsistentResponsibleActive
14day streak
8financial habits
0missed reminders

Consistency → streaks → AURA. A living picture of your financial journey.

Your financial habits matter. See where they can lead.

PayChat BusinessComing soon

Where businesses meet their customers.

Businesses are part of the conversation too. PayChat Business will give them a stronger presence inside PayChat — so people can find them, chat with them and pay them in one place.

People
Businesses
Payments
  • Business profiles
  • Customer discovery
  • Chat with businesses
  • Receive payments
  • Payment links
  • Customer relationships
  • Business visibility
  • Digital storefront

These are the directions we’re building toward. Coming soon — we’ll share more as we get closer.

Bella's Kitchen food spreadBUSINESS PROFILE · CONCEPT
BK
Bella’s KitchenFood & Restaurant
4.9

Tap a button to try the concept.

New customer chat
Payment receivedConcept
Discover

Looking for somewhere to shop? Find. Chat. Pay.

The “Discover” in CHAT. PAY. DISCOVER. is where people find businesses and opportunities — then start a conversation and pay, without leaving PayChat.

Search businesses
A plate of freshly prepared food and salad
BK
Bella’s KitchenFood & Restaurant
Chat Pay
Vibrant African print textiles and fabrics arranged in a boutique
TC
Thread & Co.Fashion & Tailoring
Chat Pay
A precision technician repairing electronics and hardware
FH
FixIt HubTech & Device Services
Chat Pay
Lush green botanical plants, garden nursery and indoor flora
GR
GreenRoots FloraPlants & Living Gardens
Chat Pay
CHAT. PAY. DISCOVER.

Ready to make money conversations simpler?

Chat, pay, build your AURA and discover — one simple place for money and the people you share it with.