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Go to payroid.co, tap Get started, and fill the two short screens: your name, email and password, then your country and phone number. A referral code is optional. We email you a 6-digit code to confirm the address, and you're in.

Not at v1. Payouts go to Nigerian bank accounts only and we operate under Nigerian law. We will announce new markets as we launch them.

A Nigerian bank account in your own name and a valid government-issued ID. We walk you through identity verification on first use.

Verification follows review. Most checks clear without any extra step; edge cases get a manual look with no fixed clock attached, but they're never left sitting in a queue.

Yes. The web app is live today at payroid.co: gift cards, buying, bill payments, rates, all of it. Mobile apps for iOS and Android are coming; no dates yet.

Gift cards typically start at $5 face value. The exact minimum is shown per brand on the sell screen before you submit.

We don't publish a fixed brand list because the catalogue changes as brands are added or removed. Search the live catalogue on the sell screen to see what's buyable right now, by brand and country.

Digital codes, e-cards from email, physical cards via clear photo, and image uploads from your phone gallery. If the brand is on our list, the format works.

Our system validates the card before the rate locks. If validation fails, you see why and no funds move. If validation passes but the card redeems short, we cover the difference and tell you why.

Selling a card you don't lawfully own breaches our Terms of Service. We work with brands and law enforcement on fraud cases. Don't do it: the trade will be reversed, the account suspended, and the case potentially reported.

Yes. We rate the card on its remaining balance, not its face value. We verify the balance during validation before locking the rate.

Each card is its own trade with its own locked rate. You can submit several back-to-back, but each pays out separately for clean record-keeping.

Clear focus, good lighting, the whole card in frame, code unobscured. We auto-detect and prompt for retakes if the image is unreadable.

Live market data, refreshed continuously. Different brands and denominations have different rates because their downstream resale markets are different. The screen shows the exact naira value before you submit.

Airtime and data, electricity, cable TV, internet, government levies and taxes, and road tolls. The live list of billers is in Bill payments; it is the one we actually route to, so it is always current.

We check every account number against the provider before debiting your wallet. If the check fails, nothing leaves your wallet. If the check passes but the provider rejects payment, the money auto-refunds to your wallet.

We charge what the biller charges plus a small flat fee for the rail. The exact split shows on the trade screen before you confirm.

On the roadmap: recurring bills and auto-renew on data bundles. No dates yet. For now, everything is one-tap manual.

Tap the trade on your history screen and pick 'Reissue token.' If that fails, our support team can look up the transaction directly with the disco.

That is the provider's clock, not ours. We send the request the moment you confirm and show you their answer as it lands. Airtime and data usually come straight back; tokens and subscriptions can take longer. If one fails, the naira goes back to your wallet automatically. You never pay for a bill that didn't land.

Not at v1. Payroid does not run a points or cashback program. Our value is the rate you agreed to and the receipt behind it, not loyalty marketing.

Any Nigerian bank account in your own name, at the banks we can reach. We keep adding reach as customers ask for banks we don't cover yet.

Per-trade routing to a chosen bank works today. Split payouts (e.g., 60% to your spending bank, 40% to savings) are on the roadmap.

Add a new account in app settings. It must be in your own name and we verify it via micro-deposit. You can then route specific trades to specific accounts before submitting.

Bank account must be in your verified legal name. Account-name mismatch will trigger a hold pending verification. Use the official name on your ID for both.

Yes. Payouts aren't limited to business hours. NIBSS transfers may add small delays on bank holidays for certain banks; you'll see a notice on screen if so.

Yes, aligned with CBN-prescribed limits per verification tier. Limit details are shown in app settings and lift as you transact more and complete higher-tier verification.

So we know it's really you. It keeps scammers off Payroid and your naira safe in your own bank, not somebody else's. It's a one-time check.

Any valid Nigerian government-issued ID: NIN, BVN-linked passport, driver's licence, or voter's card. We may request a selfie to confirm the document belongs to you.

Common causes: blurry photo, expired document, mismatch between name and bank account. The rejection screen tells you exactly what failed. Resubmit it and it goes back into review, no fixed window, but it's not left sitting.

Tier 1 unlocks basic trading with light verification. Tier 2 lifts limits with full ID + BVN/NIN. Tier 3 is for high-volume users with additional source-of-funds documentation. CBN sets the framework; we follow it.

No. One account per person. Multiple accounts breach our Terms of Service and trigger automatic suspension.

Tap 'Forgot password' on the login screen. We'll send a reset link to your registered email. If you've lost access to that email too, contact support with your account details and ID for manual recovery.

Yes. We support biometric sign-in (fingerprint or face) and TOTP authenticator apps. SMS-based 2FA is intentionally not offered. It's vulnerable to SIM swap attacks common in Nigeria.

Settings › Account › Change email. We send confirmation links to both the old and new address for security.

You can close it yourself. In the app, open Account and tap Close account at the bottom; on the web, go to Account, then Personal details, and use Delete account. You'll type your email to confirm. Your wallet has to be empty first (withdraw any balance to your bank) and no trade can be in flight. Closing signs you out everywhere and blocks future sign-ins. Your past transaction records are kept for 5 years because anti-money-laundering law requires it, which is why this is a closure rather than an erasure. If you'd rather we did it for you, email support@payroid.co with the subject 'Close account.'

Our cut and the rate margin are shown itemized on the trade screen before you submit. Nothing hidden, nothing added later. If it's not on screen, we're not charging it.

You see the live rate and the fee before you commit, and what you agree to is exactly what's on screen. Take the time you need to read the fees and check the bank, and what you confirm is what gets signed into your receipt.

No. Every fee that touches your trade is itemized on the confirmation screen. Network fees, our spread, our service fee, anything else, all shown before you submit. We commit to this in writing.

Where applicable, VAT is included in the displayed fee. Your receipt itemizes the VAT component for your records.

Account data is encrypted at rest and in transit. We follow CBN AML/CFT regulations and the Nigerian Data Protection Act 2023. Suspicious activity is reviewed by our Compliance team and reported to the NFIU when required.

Do two things yourself first: open Account → Devices and sign every other session out, then change your password. Then email support@payroid.co with the subject 'Account compromise.' Freezing the account is the first thing we do when we pick it up, and we reverse fraudulent transactions where they haven't already paid out.

See our complaint process for full timelines and escalation paths to CBN Consumer Protection, FCCPC, NDPC, SEC, and NFIU.

Selling never takes money from you, so most of the time there is nothing to refund: a trade that fails validation or gets voided simply doesn't pay out, and whatever you sent comes back. Where you did pay, on a bill or an airtime top-up the provider didn't deliver, the naira returns to your wallet automatically. A dispute resolved in your favour pays out to the bank account on record, and we tell you when it's sent.

Yes. We screen against UN, OFAC, UK HMT, EU, and Nigerian sanctions lists. Matches are blocked and reported as required.

Patterns that don't match your profile: sudden velocity spikes, structuring around limits, counterparties on watch lists, or inconsistencies between declared funds and actual transactions. Our AML & CFT Policy details our monitoring.

Log in from a new device with your email and password, and biometrics re-enrol on the new device. If you can't access your email, contact support with ID for manual recovery. We freeze the lost-device session as soon as you report it.

The web app runs in any modern browser, on desktop or mobile, no install needed. iOS and Android apps are coming; no dates yet.

Refresh the page, or try signing out and back in. If it persists on one device, try another browser or clear the site's cache. Still stuck? Send a screenshot to support and our team looks into it.

Most of Payroid is online-first by necessity: rates, payouts and checks all need a live connection.

English today. Yoruba, Hausa, Igbo, and Pidgin are on the roadmap based on user demand.

Settings › Beta program. Beta features are behind a flag and we mark them clearly so you know what's experimental. Feedback comes directly to the team.

Home › History. Searchable, filterable by asset, brand, status, and date range. Goes back to your first trade.

Yes. Tap any trade and select 'Download receipt' for a signed PDF with asset, rate, fee, timestamp, and destination bank. Tax-grade documentation.

Trade reference, date and timestamp (WAT), asset and amount, locked rate, fee breakdown, final naira amount, destination bank, payout timestamp, and a digital signature for tamper-evidence.

Per-trade PDF receipts are available today. Consolidated annual statements, a year's trades in one PDF with totals broken down by category, are on the roadmap. No dates yet.

Yes. High-volume traders and merchants get custom rates, dedicated rails, and reporting tooling. Email hello@payroid.co to set up a business account.

Not as a self-serve product today. If you run a high-volume business and want to talk about integration, email hello@payroid.co.

Yes. Custom rates kick in above certain monthly volume thresholds, set on a per-account basis. Negotiated transparently with no hidden floor.

Not at v1. Payroid is one-way cash-out today: money comes out, not in from customers paying you. Merchant payment acceptance is on the longer-term roadmap.

Yes, for trade confirmations, rate alerts (if enabled), and account-security events. Granular controls in Settings › Notifications.

Trade receipts, security alerts (new device, password change), and occasional product updates. No marketing spam, promise.

Only for time-critical security events (e.g., suspicious-login warnings). We don't use SMS for 2FA. SIM swap risk in Nigeria is too high.

Yes. Settings › Rate alerts. Notify me when a brand you're watching crosses the naira figure you set. Push only at v1; email and SMS alerts on the roadmap.

Settings › Notifications has per-channel toggles. You cannot disable security-critical alerts; those exist for your protection.