Unified.
Reliable.
Unstoppable.
Empowering the Next Billion through smart POS hardware, instant settlement, and a consumer super-app.
9thPay
Smart POS Terminal
•••• •••• •••• 9THP
4-5yr
Track record of operational excellence
37
States covered across Nigeria
1M+
Exclusive agents targeted by 2027
99.9%
Network uptime guaranteed
What We Do
NON- STOP.
INTEL- LIGENT.
NIMBLE.
Three principles that power every transaction, every agent, every settlement — day or night.
Non-Stop
24/7 global payment processing that never sleeps, ensuring your business is always open for every customer.
Intelligent
AI-driven backend that predicts bank downtime and suggests the fastest routes for instant settlement.
Nimble
We adapt faster than traditional banks — deploying updates and resolving disputes in record time.
The Ultimate Merchant Toolkit
Our Smart POS is the ultimate tool for the modern merchant — built with the reliability and intelligence that keeps Nigerian commerce moving.
99.9% Uptime
Dual-connectivity to both NIBSS and UPSL aggregators with automatic failover. Engineered for the most remote locations.
Instant Settlement
No more waiting for T+1. Funds land in your wallet the second the beep sounds — real money, real time.
All-in-One Acceptance
Seamlessly process Debit Cards, Bank Transfers, QR Codes, and Contactless NFC payments in one terminal.
Agent Ownership
A one-time purchase model that empowers agents as true business owners, not just renters paying recurring fees.
The Gold Standard of Reliability
Every merchant deserves infrastructure that works as hard as they do. Here's what sets us apart.
The Beep of Success
An unmistakable audio confirmation for every transaction — designed for empathy in busy market environments.
Hyper-Local Support
Dedicated Relationship Managers on the ground to train agents and resolve issues within 24 hours.
Inclusive UX
The app and terminal interface are designed for users of all tech-literacy levels — no one is left behind.
Free Inter-Wallet Transfers
Moving money within the 9th Pay ecosystem is always free. Zero cost, zero friction for your customers.
Lowest Fees in the Market
Transparent pricing that maximizes merchant profit
Sectors We Power
Our growth is powered by the loyalty of those who keep Nigeria moving — across every sector that matters.
Market Hubs
Providing credit and liquidity to traders in Africa's largest markets. Instant POS at the stall, settlement before market closes.
Oil & Gas
Real-time collections and same-day settlement for downstream operators. Built for the volume and velocity of Nigeria's energy sector.
Healthcare
Driving access by powering payments for community pharmacies — making healthcare cashless, accessible, and accountable.
Education
Simplifying JAMB ePINs and tuition payments for the next generation. From university fees to school canteens.
Built to Be Africa's Market Leader
To be Africa's market leader in technology-driven financial services, driving inclusive socio-economic growth through secure, borderless solutions.
To leverage digital financial technology and innovation to provide simple, accessible, efficient, and inclusive payment services that are the most trusted in Sub-Saharan Africa.
Your Business Deserves Better Infrastructure
Join thousands of merchants and agents who trust 9th Pay to keep their businesses running — 24 hours a day, across all 37 states.