Bank-owned checkout
for direct bank-transfer payments.
Flashpay lets banks deploy tap, QR, and payment-link checkout on direct-transfer rails — no card network, no new consumer wallet.
The Checkout Gap
Nigeria already uses bank transfers. Checkout still feels too manual.
Bank transfers are familiar and trusted, but checkout often remains awkward: customers copy account details, switch apps, confirm recipients, enter amounts, authenticate, and wait for confirmation.
Today
With Flashpay
Manual checkout causes drop-off
Customers abandon payment when the process requires too many actions.
Card rails add cost
Card-style convenience often brings fees, disputes, and external-network dependence.
QR alone has limits
QR is useful, but it does not fully create a contactless tap habit.
Internal builds take time
Building internally can be expensive, slow, and exposed to backlog delays.
Infrastructure Layer
One integration. Three payment surfaces.
Flashpay gives banks and PSPs a white-label infrastructure layer that turns direct bank transfers into a smoother checkout experience.
Tap-to-pay
NFC starts a bank-transfer payment from the customer's existing bank app.
QR checkout
Static or dynamic QR codes support checkout when NFC is not available.
Payment links
Deep links support remote, online, and message-based payments.
One backend
All payment-start methods connect to the same direct-transfer infrastructure.
Where Flashpay shows up
Built for the surfaces
Nigerian commerce actually uses.
Online payments
Two channels for online payment.
Our payment solution offers a secure, convenient, and efficient way for shoppers to make online purchases using their bank account.
Payment flow
From checkout to bank approval in three steps.
Customer starts payment
They tap, scan, or open a payment link at checkout.
Bank app opens for approval
The customer authenticates inside their existing bank app.
Direct transfer is completed
Payment moves over direct-transfer rails. Merchant receives confirmation.
Flashpay does not require a new consumer wallet or separate customer onboarding.
Request payments via messaging
A payment link customers actually open.
Send a Flashpay link over WhatsApp, SMS, email or in-app chat. The customer taps once and approves the transfer in their bank app — no copy-paste, no account-number errors, no follow-up reconciliation.
For Nigerian banks
Turn your existing bank app into a modern checkout channel.
Flashpay helps banks offer a smoother checkout experience while keeping the customer relationship inside the bank-owned environment.
Keep the customer inside your bank app
No new wallet. No new consumer brand. Customers approve payments through the app they already trust.
Create new revenue from existing users
Turn payment initiation into a partner revenue layer without acquiring new customers.
Reduce card-network dependency
Offer contactless-style checkout on direct-transfer rails.
Move faster without starting from zero
Access a patented NFC direct-transfer infrastructure layer instead of building every component in-house.
Patented technology
NFC-initiated direct bank-transfer system, filed in Nigeria.
Pilot before rollout
Start controlled, prove the flow, expand with confidence.
Built for Nigeria first
Built where the rails already work.
Flashpay is designed around Nigerian payment realities first — bank-transfer dominance, NIBSS instant settlement, and the operational standards Nigerian banks and PSPs already meet.
Simple
Simply select your bank at checkout, authenticate yourself with your bank app, and approve the transaction.
Secure
Payments are based on bank's authentication and autorization, leveraging biometric or pin/password.
Seamless
Shoppers are able to complete the payments in less than 10 seconds and all they need is their bank app.
Why now
The market is ready for bank-led checkout infrastructure.
Nigeria's payment market is already transfer-led. The opportunity isn't to teach customers a new behaviour — it's to make the one they already trust faster, easier, and more standardised at checkout.
01
Bank-transfer habit
Flashpay improves the experience around an existing payment behaviour.
02
Mobile-first checkout
Customers expect payment to feel instant, simple, and mobile-native.
03
Bank-owned experience
Checkout becomes a bank-owned channel, not just a third-party moment.
04
Direct-transfer economics
Modern UX built on the rails the market already runs on.
Built for institutional adoption
Designed for the teams that need to say yes.
Flashpay is built for bank buying committees where operations, risk, compliance, IT, and digital teams all need confidence before rollout.
Operational clarity
Clear ownership around incidents, reversals, and service performance.
Pilot-first rollout
Start controlled before expanding to broader merchant and customer groups.
Compliance-ready posture
Built with CBN, NDPC, and AML/CFT expectations in mind.
Infrastructure-first positioning
Flashpay does not compete as a consumer wallet.
Patented technology
NFC-initiated direct bank-transfer system filed in Nigeria via Jackson, Etti & Edu.
Multi-modal fallback
NFC, QR, and payment links ensure coverage across payment contexts.
The alternative
Not card contactless. Not manual transfer. A bank-owned checkout layer.
Pilot access
Start with a controlled checkout pilot.
Flashpay is currently engaging banks and PSPs for structured pilot conversations. The goal is simple: prove the payment flow, validate operational readiness, and define the path from pilot to rollout.
- Defined pilot scope
- Technical integration review
- Risk and controls discussion
- Merchant/customer test group
- Pilot success metrics
- Rollout path
Pilot roadmap
From conversation to rollout
- 1Alignment call
- 2Technical review
- 3Pilot scope
- 4Integration
- 5Live pilot
- 6Rollout decision