Send money to anyone — right from WhatsApp
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
Pay the person you are already talking to
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.
How it works
Three steps. No new social network — the same number you use for messages.
Open your wallet
Send WALLET on WhatsApp or open the CheckoutNow web app. Your phone number becomes your wallet ID after a quick setup and PIN.
Choose who gets paid
Transfer to a saved bank payee, any Nigerian account, another WhatsApp number (P2P), or pay a business that sent you a secure payment link.
Confirm & done
Enter your wallet PIN (and email OTP on higher tiers when enabled). You and the recipient get clear receipts in WhatsApp.
What you can do with WhatsApp Wallet
Send to any bank
Pay any Nigerian bank account from WhatsApp — saved payees or new account + bank name.
WhatsApp-to-WhatsApp (P2P)
Send to another wallet by phone number. They open WALLET to receive — like cash across the table, in chat.
Cross-border sends
When currencies differ, see what you pay and what they receive before you confirm — transparent conversion for family and diaspora.
Airtime & data
Top up your line or someone else's from the wallet menu — Nigerian networks supported.
Pay businesses
Merchants can request payment via WhatsApp: you get an order summary and a secure PIN link — no card required.
Fund & withdraw
Add money via bank transfer to your virtual account (Tier 2) or receive P2P. Withdraw to your own bank when you are ready.
Support refunds
CheckoutPay support can credit approved refunds to your WhatsApp wallet; transfer out to any bank you choose.
PIN-protected
Transfers and merchant debits require your wallet PIN on a secure Checkout page — never PIN-less pulls from your balance.
Checkout services
Access rentals, invoices, and more from the WhatsApp menu when linked to CheckoutPay businesses.
Wallet tiers
Start fast on WhatsApp. Upgrade when you need a permanent bank account number and higher limits.
WhatsApp identity
- Your WhatsApp number = wallet ID
- P2P, bank send, airtime, merchant pay links
- Balance cap ₦50,000
- Daily send limit ₦50,000
Verified + virtual account
- Complete KYC in wallet menu (UPGRADE)
- Permanent Nigerian virtual account for pay-ins
- Higher limits for everyday business use
- Full transaction history on web app
For businesses & developers
Accept payment inside WhatsApp without building your own bot infrastructure. Use the same CheckoutPay API key as bank-transfer checkout.
- POST /whatsapp-wallet/pay/start — send order summary + amount; customer gets a WhatsApp message with a secure PIN link.
-
On success, your business is credited and
payment.approvedhits your webhook. - No PIN-less debit API — customers always confirm on Checkout’s secure page.
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
| 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.
WhatsApp Wallet FAQs
See all FAQs including WordPress, API, and developer program topics.
What is CheckoutPay WhatsApp Wallet?
WhatsApp Wallet lets consumers send money on WhatsApp or to any Nigerian bank account, with PIN-protected confirmations on secure CheckoutPay pages. It is powered by the same backend as merchant tools on check-outpay.com.
Is WhatsApp Wallet the same as CheckoutNow?
CheckoutNow is the consumer wallet brand experience; WhatsApp Wallet is the channel many users start from. Business tools and gateway features live on CheckoutPay for merchants.
Can I send money to someone without a wallet?
Yes. Use bank transfer to their account details. For wallet-to-wallet credits on WhatsApp, the recipient typically opens WALLET once on WhatsApp to receive P2P credits.
How do merchants accept payments via WhatsApp?
Register a CheckoutPay business, obtain an API key, and request WhatsApp wallet API enablement on your account. Integrate pay/start flows from your server as documented for partners.
Is WhatsApp Wallet safe?
Outgoing transfers require your wallet PIN on HTTPS confirmation pages. Merchants cannot silently debit customers without the same confirmation pattern used for charges.
What can I pay for with WhatsApp Wallet?
Depending on enabled features, users may send P2P transfers, pay approved merchants, buy airtime or data (VTU), and use partner payment links—availability varies by account and region.
How do I start as a consumer?
Message the official WhatsApp contact shown on the marketing site or open the wallet web app link to fund your wallet and set your PIN.
Where do I get help with a WhatsApp transfer?
Visit https://check-outpay.com/support or https://check-outpay.com/contact with your transaction reference. Never share your PIN or OTP with anyone claiming to be support.
Your number. Their number. Send.
The payment experience that meets people where they already are.