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Pay Together. Pay Bills. Pay Safe!

The easiest way to split costs with friends, pool money for group projects, sort your everyday bills, and transact securely—all in one app built for Nigerians.

How it Works

Your money, sorted in 4 easy steps

Everything you need to take control of your daily payments and group contributions.

1

Download Payam

Grab the app for your iOS or Android device.

2

Fund Your Wallet

Add money securely via a direct bank transfer or card.

03

Pay, Pool, or Split

Settle everyday bills instantly or share costs with your circle.

04

Stay in Control

Get instant alerts and track exactly where your money goes.

A Better Way to Pay

Payam gives you the tools to handle everyday payments and global spending — without complexity.

  • Pay bills instantly

  • Share love with people in your life

  • Get real-time transaction updates

Secure by Design

Your money and data are protected with modern security standards.

  • Transaction alerts

  • PIN & 2FA protection

  • Encrypted payments

Loved by people who hate payment stress.

Don’t just take our word for it. Here’s how Payam is changing the way communities pay.

Ready to upgrade how you pay?

Join the growing community of people using Payam to split bills, pool funds, and transact safely.

FAQ

Frequently Asked Questions

Here are some answers to the most common questions about Payam

Is Payam safe to use?

Yes. Payam uses strong security measures, including encryption, PINs, and 2FA to protect your account.

What can I pay for with Payam?

You can pay bills, fund your wallet, and share love with your loved ones.

Is Payam available on mobile?

Yes. Payam is available on Android

Do you offer customer support?

Yes. Our support team is available to help you whenever you need assistance.

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