Your WhatsApp number is your wallet. Pay a friend, send to any Nigerian bank, buy airtime, or move value across borders — without leaving the app where you already chat every day.
Built by CheckoutPay. Same wallet powers CheckoutNow and merchant checkouts across Nigeria.
Message WALLET on our official WhatsApp line to get started, or open the wallet web app above.
CheckoutPay Wallet
Today, 2:14 PM
You sent ₦15,000
To Ada — 080••• •••45 · GTBank
Delivered
Thanks! Got it 🙏
P2P received ₦5,000
From Chidi (WhatsApp wallet)
Illustration — real flows use secure PIN confirmation
Families, freelancers, and small businesses coordinate in WhatsApp. The wallet removes the awkward step of copying long account numbers into chat. Choose a contact or type an amount — send to their bank or their WhatsApp wallet — and confirm with your PIN.
Three steps. No new social network — the same number you use for messages.
Send WALLET on WhatsApp or open the CheckoutNow web app. Your phone number becomes your wallet ID after a quick setup and PIN.
Transfer to a saved bank payee, any Nigerian account, another WhatsApp number (P2P), or pay a business that sent you a secure payment link.
Enter your wallet PIN (and email OTP on higher tiers when enabled). You and the recipient get clear receipts in WhatsApp.
Pay any Nigerian bank account from WhatsApp — saved payees or new account + bank name.
Send to another wallet by phone number. They open WALLET to receive — like cash across the table, in chat.
When currencies differ, see what you pay and what they receive before you confirm — transparent conversion for family and diaspora.
Top up your line or someone else's from the wallet menu — Nigerian networks supported.
Merchants can request payment via WhatsApp: you get an order summary and a secure PIN link — no card required.
Add money via bank transfer to your virtual account (Tier 2) or receive P2P. Withdraw to your own bank when you are ready.
CheckoutPay support can credit approved refunds to your WhatsApp wallet; transfer out to any bank you choose.
Transfers and merchant debits require your wallet PIN on a secure Checkout page — never PIN-less pulls from your balance.
Access rentals, invoices, and more from the WhatsApp menu when linked to CheckoutPay businesses.
Start fast on WhatsApp. Upgrade when you need a permanent bank account number and higher limits.
Accept payment inside WhatsApp without building your own bot infrastructure. Use the same CheckoutPay API key as bank-transfer checkout.
payment.approved hits your webhook.
POST /api/v1/whatsapp-wallet/pay/start
X-API-Key: pk_your_key
{
"phone": "08012345678",
"amount": 2500.00,
"order_reference": "ORDER-123",
"order_summary": "2x Jollof + delivery",
"webhook_url": "https://your-app.com/hooks/checkout"
}
| WhatsApp Wallet | Payment gateway | |
|---|---|---|
| Best for | People paying people | Websites & WooCommerce stores |
| Interface | WhatsApp chat + wallet app | Checkout page, API, plugins |
| Receive money | P2P, virtual account (Tier 2) | Bank transfer to business account |
| Same platform | One CheckoutPay account — wallet, API, and dashboard together | |
Also need web checkout? See all products or our WooCommerce plugin.
CheckoutNow is the consumer wallet experience powered by the same CheckoutPay WhatsApp Wallet backend. Business tools live on check-outpay.com.
Yes — use bank transfer to their account details. For P2P, they need to open WALLET on WhatsApp once to receive wallet-to-wallet credits.
Outgoing transfers require your wallet PIN on a secure Checkout HTTPS page. Merchant charges use the same pattern — we do not offer silent debits without customer confirmation.
Register a CheckoutPay business, get an API key, and ask us to enable the WhatsApp wallet API on your account. Then integrate pay/start from your server.
The payment experience that meets people where they already are.