Customers pay in USDT, USDC or BTC. A licensed partner converts it and sends naira straight to your bank account, usually in minutes. You never touch crypto.
- KoyaPay never holds your money
- Free to set up
- Any Nigerian bank
Good morning, Saheed
Mama Tee Kitchen
Today’s takings
₦0.00
14 payments · ₦142,000 already in your bank
Recent payments
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How it works
No crypto wallet for you to manage, no exchange account, no waiting for a P2P buyer.
Scan to pay Mama Tee Kitchen
Show your QR or send an invoice
Put your shop QR at the counter, or create an invoice for a set amount and share the link on WhatsApp.
Your customer pays in crypto
They scan with KoyaScanner or their phone camera, pick USDT, USDC or BTC, and see the exact amount, with the rate held for 10 minutes.
Naira lands in your bank
Our licensed partner converts it and pays your bank account directly. The alert carries a 5-letter code so you know who paid.
Payment narration
Try your own name
Narration codes
Every payment gets a 5-letter code made from your customer’s first name. It shows on their receipt, in your dashboard and on your bank statement.
- Match a bank alert to a customer at a glance
- No more “please send screenshot of payment”
- Unique among your open invoices, so codes never clash
Features
Built around how Nigerian shops, caterers, vendors and service businesses actually take money.
Shop QR and invoices
One QR for walk-in customers. Invoices for set amounts like catering deposits and delivery orders.
Straight to your bank
Naira goes to the account you verified at signup. We never hold it, so there’s no balance to withdraw.
Rate locked for 10 minutes
Customers see the exact crypto amount upfront. Fees are on them, so you get the full invoice amount.
Staff and roles
Cashiers can only create invoices. Managers see totals and refunds. Payout settings stay with the owner.
Statements for your accountant
Export any period as CSV or PDF, with every payment, narration code and payout.
Verified and protected
Every business is checked with CAC and the owner’s BVN. Changing your payout account needs your PIN.
Payment complete
₦12,500.00
paid to Mama Tee Kitchen · INV-0043
Next time, pay in 2 taps
Get KoyaScanner: your name saved, receipts kept, faster refunds.
Your payment narration
AKRVE
Your narration · Food. Mama Tee sees this code with your payment.
Done
For customers
Your customers don’t need a KoyaPay account. They scan, choose a coin and send from any wallet or exchange.
- Scan with KoyaScanner or just the phone camera
- Pay with USDT, USDC or BTC from any wallet
- Get a receipt with the narration code instantly
Pricing
No setup fee, no monthly fee and nothing taken from your takings. Your customer pays a small fee, shown before they send.
For businesses
₦0forever
You receive 100% of every invoice in naira.
- No setup or monthly fees
- Unlimited invoices and shop QR
- Staff accounts with roles
- Statements in CSV and PDF
Paid by your customer
Example rates. Live rates come from our partner and are locked for 10 minutes. Network fees depend on the coin and network.
We never hold your money
Crypto goes to a licensed partner and naira goes to your bank. There’s no KoyaPay balance to freeze or withdraw.
Licensed conversion partner
Every payment is converted by a regulated virtual asset provider, at a rate your customer sees and accepts first.
Verified businesses only
Each business is checked against CAC records and the owner’s BVN before it can take its first payment.
FAQ
Can’t find your answer? Message us on WhatsApp and a real person will reply.
Chat with usNot KoyaPay. A licensed partner converts the crypto and pays naira straight into your bank account. There’s no KoyaPay balance.
Set up in about 10 minutes from your phone or laptop. Most businesses are verified within a day.