Built for the trader
tired of being played.

Nigerian cash-out is broken. Quoted rates change at payout. Payouts sit in endless pending. Support ghosts. We are fixing the parts that matter, one rule at a time.

Every Nigerian who has sold a gift card
has lived this.

You quoted

₦1,720

At the moment you tapped submit

−₦40

Quietly moved

You got

₦1,680

By the time naira hit your bank

The rate moves at the worst moment, and nobody explains why. The payout takes hours. Some just disappear with your money. After years of failures and rate manipulation, trust in the category is on the floor.

Payroid exists because someone has to put the defaults in writing, and be liable when they break.

Three rules we will not break.

We are not innovating on the trading flow. The flow is fine. We are building the version that does exactly what the screen says, every single time.

What you see, you agree to.

The rate and the fee are on screen before anything moves. Nothing happens until you say yes, and what you agree to is signed into your receipt, with a timestamp we cannot edit.

We don't sit on your money.

Every card gets a real reviewer check before naira moves. Your payout follows that review, straight to your own Nigerian bank. No endless pending behind our own balance.

A real human, not a bot.

When you reach out, a trained person handles it, on in-app chat, Telegram, or WhatsApp. Not a chatbot, not a ticket that vanishes into a queue.

A Nigerian fintech
built by traders.

Payroid is operated by Payroid Synergy Limited (RC 9553657), a Nigerian private company limited by shares, registered with the Corporate Affairs Commission under CAMA 2020. Payroid is not a bank; naira moves through licensed banking partners. Small team, deliberate scope. The founders trade. We use the product before it ships to anyone else.

Legal entity: Payroid Synergy Limited
RC number: 9553657
TIN: 2622489136936
Incorporated: 17 May 2026
Registered with: Corporate Affairs Commission
Operating base: Ogba, Lagos

What is live. What is next.

Now

The web app is live.

Sell and buy gift cards, make bill payments and check live rates, all from one wallet on the Payroid web app. Payouts land in your own bank account, and every trade signs a receipt.

Later