You move fast.
Your money should too.
Instant transfers to any Nigerian bank. Spending analytics that actually make sense. Card controls you can audit. Built for the way money moves in 2025.
10,000+ already using Paylio
Good afternoon
Adebayo
Available Balance
₦487,350.00
Main Account ••••6789
Income
₦770.0K
Spent
₦163.4K
Send
Receive
Top Up
History
Recent
See all
Bolt
8:14 AM
-₦2,800
Salary
Yesterday
+₦450K
Shoprite
2 days ago
-₦12,500
This month
+₦770K
Protected
256-bit SSL
10K+
People using Paylio
₦20B+
Processed to date
<10s
Transfer time
98.6%
Success rate
What's inside
Four things. Done right.
No bloat. No 47 features you'll never use. Just the four things that actually matter when money's involved.
Banking
Your balance, statements, and multiple accounts on one screen. No switching apps, no logging in twice.
Balance
₦487K
+12.6% this month
Security
Biometrics, 2FA, and real-time alerts. You set the thresholds — Paylio watches.
- Biometric login
- 2-factor auth
- Active device list
- Configurable alerts
Transfers
Any Nigerian bank. Under ten seconds. No cut-off times.
Insights
Category charts updated after every transaction. Know exactly where it's going.
Adebayo
Total Balance
₦2,560,450.50
+12.6% from last month
Recent Transactions
Netflix
-₦4,500
Salary
+₦450K
Shoprite
-₦12.5K
Product
Every naira,
one screen.
Income, transactions, and spending patterns — one dashboard. Quick actions up front, full history one tap away. No app-switching.
- Instant Transfers — Any Nigerian bank, under ten seconds.
- Spending Breakdown — Category-level charts updated after every transaction.
- Bill Payments — DSTV, EKEDC, airtime. No switching apps.
- Virtual Cards — Separate card per service. Freeze or delete in one tap.
- Live Alerts — Threshold-based notifications you configure, not us.
Security
Security you can audit,
not just trust.
Paylio exposes what most banks hide. Your active devices, alert thresholds, and access controls are all visible and configurable in one screen.
Biometric Authentication
Face ID and fingerprint — no passwords, no friction.
End-to-End Encryption
256-bit SSL on every request. Verified, not marketed.
Device Management
See every session. Revoke access from any device, instantly.
Configurable Alerts
Set your own threshold. Get notified when it matters, not always.
Security
Your money, protected.
Authentication
Biometric Login
Face ID or fingerprint
2-Factor Auth
Extra login security
Transaction PIN
Required every transfer
Active Devices
iPhone 15 Pro
Lagos, Nigeria
MacBook Pro
2 hrs ago
POST /api/v1/transfer
const response = await paylio.transfer({
amount: 50000,
currency: 'NGN',
recipient: {
bank: 'GTBank',
account: '0123456789'
}
});
// Response
{
status: 'success',
reference: 'PAY-2024-8A3F',
timestamp: '2024-06-21T09:14:00Z'
}Developers
Build with Paylio APIs
Powerful APIs and tools to help you build the future of finance. Clean documentation, sandbox testing, and SDKs for every stack.
REST API
Endpoints for every operation
Webhooks
Real-time event notifications
SDKs
Node, Python, Go, and more
Sandbox
Test safely before going live
Try It
You've seen enough.
Time to try it.
Open the demo. Send a transfer. Check your spending breakdown. No account, no forms, no waiting.