What is AjePay and what banking services does it provide?

AjePay is a Central Bank of Nigeria (CBN) licensed and NDIC-insured microfinance banking platform in Nigeria. AjePay provides instant sub-second NIP inter-bank transfers, 20-digit prepaid electricity STS tokens for all 11 DisCos, wholesale SME telecom data vending, and MultiChoice cable TV renewals with zero settlement lag.

How fast are inter-bank transfers on the AjePay app?

Inter-bank transfers on AjePay settle in under 0.8 seconds. Built with a direct integration to the Nigerian Inter-Bank Settlement System (NIP) and an immutable atomic dual-entry ledger, AjePay eliminates uncredited debits, hanging transactions, and weekend delays.

How do I buy a 20-digit prepaid electricity meter token online on AjePay?

To generate a prepaid electricity token on AjePay: open the Android app, select your DisCo (IKEDC, EKEDC, AEDC, IBEDC, PHED, etc.), input your meter number for real-time customer and address verification, enter your amount, and authorize with your 4-digit PIN. Your 20-digit STS token is displayed on-screen immediately and saved to your receipts.

Is AjePay licensed by the Central Bank of Nigeria (CBN) and are deposits insured by NDIC?

Yes. AjePay operates under official regulatory authorization and oversight from the Central Bank of Nigeria (CBN). All retail and commercial deposits are 100% insured up to the maximum statutory threshold by the Nigeria Deposit Insurance Corporation (NDIC).

How long does account opening take on AjePay?

Account opening on AjePay takes under 60 seconds with zero paperwork. Users verify their mobile number with an SMS OTP, match their 11-digit BVN or NIN in real-time, set their security PIN, and a dedicated 10-digit NUBAN account number is issued immediately.

GET ON PLAY STOREGET APP

GetStartedin60Seconds.TheCompleteGuide.

Your complete master guide to downloading AjePay on Android, completing 60-second BVN identity verification, and activating hardware biometric security. Master instant inter-bank transfers, automated utility token vending, and everyday business payments with zero delay.

Download the app to your Android phone.

AjePay is engineered exclusively for Google Android smartphones. Follow the direct Google Play link, download the verified APK, or scan the QR code with your mobile camera.

RECOMMENDED // GOOGLE PLAY

Google Play Store

Compatible with all Android smartphones running Android 8.0 (Oreo) or later (Samsung, Xiaomi, Tecno, Infinix, Pixel, etc.).

Search: “AjePay App”

File Size: ~18.2 MB

Google Play Protect Inspected

OPEN IN GOOGLE PLAY

DIRECT VERIFIED PACKAGE

Direct Android APK

Direct official cryptographic binary signed by AjePay. Suitable for fast manual installation or enterprise fleet deployment.

Direct HTTPS Download

SHA-256 Checksum Verified

Version: v2.4.0 (Stable Release)

DOWNLOAD DIRECT APK

INSTANT CAMERA INSTALL

Scan with Camera

Point your Android camera at this QR code to be routed automatically to Google Play Store.

Sign up in 3 simple steps. Zero paper forms.

Zero paper forms, zero bank branch visits. Scroll down to experience our automated Central Bank of Nigeria verification pipeline in 3D dolly zoom perspective.

STEP 01 // PHONE & OTPUnder 5 Seconds

Instant Mobile Number Verification

Open the AjePay Android app and input your active Nigerian mobile phone number (MTN, Airtel, Glo, or 9mobile). You will receive an instantaneous 6-digit SMS verification code to bind your Android device.

STEP 02 // CBN IDENTITY MATCHReal-Time NIBSS Rail

Automated BVN or NIN Verification

Provide your 11-digit Bank Verification Number (BVN) or National Identification Number (NIN). Our automated NIBSS integration verifies your identity in real-time with zero paper forms and zero physical branch queues.

STEP 03 // SECURITY KEYS & WALLETImmediate NUBAN Issuance

PIN, Fingerprint & Dedicated NUBAN

Create your secret 4-digit transaction PIN and activate Android Hardware Keystore biometric fingerprint authentication. Your dedicated 10-digit NUBAN is issued immediately, active for instant inbound and outbound transfers.

How to perform payments in the mobile app.

Master the 4 core banking utilities available on your AjePay Android dashboard.

NIP INTER-BANK SETTLEMENT INSTRUCTIONS

How to send an instant inter-bank transfer.

1. Select Destination Bank

Tap "Send Money" on your dashboard and select any commercial bank or fintech (GTBank, Zenith, Access, Kuda, Moniepoint, etc.).

2. Enter 10-Digit NUBAN

Type the recipient account number. The app automatically fetches and displays the verified account name via NIBSS in under 1 second.

3. Confirm & Enter PIN

Input the transfer amount and optional narration. Verify with your 4-digit PIN or Android Fingerprint.

4. Instant Receipt

Funds clear instantly. Tap "Share Receipt" to export a professional digital PDF with NIBSS reference codes.

TRANSFER BENCHMARKS

Settlement RailDirect NIBSS NIP

Average Latency0.62 Seconds

Daily Default CapNGN 5,000,000.00

Transaction ChargeNGN 0.00 (Zero Fees)

Touch and test the app. Right in your browser.

Test real live transactions on AjePay. Enter any transfer amount, purchase live prepaid electricity tokens for your DisCo meter, select official DStv/GOtv monthly packages by IUC, top up SME data, and manage hardware security in real-time.

9:41

5G98%

VERIFIED

DESTINATION BANK32 BANKS

10-DIGIT NUBAN ACCOUNT10/10

RECIPIENT NAMEBABATUNDE WILLIAMS

NIBSS VERIFIED

TRANSFER AMOUNT (NGN)FREE FEE

₦

Engineered for Android. Zero Settlement Lag.

SWIPE OR SCROLL TO EXPLORE ARCHITECTURE // 5 ENGINES

010.62s SETTLED

INTER-BANK SETTLEMENT

Sub-Second Transfers

Send money to all commercial banks and financial institutions across Nigeria in under 0.8 seconds with real-time NIBSS account lookup.

Instant NUBAN counterparty name enquiry before you confirm

Zero maintenance fees and zero unexpected transfer charges

Downloadable PDF transaction receipts formatted for business records

BENEFICIARY VERIFIED

BABATUNDE WILLIAMS

Guaranty Trust Bank // 0123456789

02ALL 11 DISCOS

ELECTRICITY STS INFRASTRUCTURE

20-Digit Power Tokens

Instant prepaid electricity token calculation for all 11 Nigerian electricity distribution companies (IKEDC, EKEDC, AEDC, IBEDC...).

Prepaid and postpaid meter validation with address verification

Instant on-screen 20-digit token with one-touch copy button

Automatic kWh energy units computed according to official tariff

TOKEN GENERATED

4829-1049-3829-0192-8471

Ikeja Electric // 219.0 kWh Units

03INSTANT VTU

DIRECT CARRIER TRUNKING

Telecom SME Data & Airtime

Direct operator integration with MTN, Airtel, Glo, and 9mobile for wholesale-rate corporate data vending and VTU talk time.

High-speed Daily, Weekly, and Monthly SME data bundles

Printable 16-digit encrypted scratch recharge vouchers

Direct phonebook contact integration for one-tap family top-up

SME DATA ACTIVATED

20GB MEGA BUNDLE

MTN High-Speed Corporate // Direct Trunk

04AUTO-CLEAR E16

MULTICHOICE IUC HANDSHAKE

Smartcard Cable TV Renewal

Instant subscriber validation and bouquet activation for DStv, GOtv, and StarTimes with zero viewing disruption.

Automatic decoder smartcard IUC lookup returning verified package

Instant clearing of E16 and E30 error codes during renewal

Easy bouquet upgrade or downgrade from Confam to Premium

SATELLITE ACTIVE

DStv Confam Bouquet

Smartcard 1092837465 // Signal Restored

05CBN COMPLIANT

HARDWARE SECURITY KEYSTORE

Android Biometric Vault

Institutional-grade cryptographic biometric authentication with Android StrongBox Keymaster and 4-digit PIN protection on every debit.

Android BiometricPrompt and StrongBox Hardware Keystore security

Encrypted session tokens that never expose credentials over network

Instant real-time push alerts for every credit and debit event

BIOMETRIC MATCH

Android Keystore Authenticated

Hardware Cryptographic StrongBox

Ready to experience the AjePay Android app?

Open your free institutional account in under 60 seconds with zero maintenance charges and sub-second NIP clearing.