The Embedded
Finance OS
for Nigeria.
Embed credit decisions and tax payment collection — Federal, State, and Local — directly into any product. Built for the institutions shaping Nigeria's economy.
₦0B+
Total credit disbursed
Across all products
0M+
Active customers
Consumers & businesses
0+
Government agencies
MDAs connected
0%
Approval rate
AI-powered decisions
Financial institution partners
Federal · State · Local government tax authorities
Platform
Three pillars. One platform.
Pay4it is embedded finance infrastructure — the foundational layer beneath credit products, government tax collection, and payment flows across Nigeria.
Embedded Credit
Full-stack credit infrastructure you can embed in any product. Consumer loans, BNPL checkout, and SME financing — with AI decisions in under 2 seconds.
- AI credit scoring engine
- ₦10K–₦500M credit lines
- Consumer BNPL checkout
- SME & business loans
- Zero-collateral products
- Auto-debit repayment rails
Government Tax Collection
Tax payment infrastructure for all three tiers — Federal, State, and Local. CIT, VAT, PAYE, levies, and rates remitted directly to the treasury with full audit trails.
- Federal taxes via FIRS (CIT, VAT, WHT)
- State PAYE & IGR collection
- Local govt rates & levies
- Real-time TSA remittance
- Statutory receipt generation
- 36 state revenue boards covered
Payment Infrastructure
Instant bank transfers, virtual accounts, and settlement rails. The financial plumbing to move money anywhere in Nigeria — in milliseconds.
- Virtual account issuance
- Instant NIP transfers
- Bulk disbursements
- Merchant settlements
- Multi-currency wallets
- PCI-DSS Level 1 compliant
How it works
From integration to revenue in 48 hours.
No regulatory headaches. No compliance bottlenecks. Just clean APIs and a clear path to launch.
Connect your platform
Integrate via REST API or SDK in hours — not months. Full sandbox environment, comprehensive docs, zero upfront commitment.
Configure your products
Define credit parameters, collection rules, or payment flows through a clean dashboard. White-label everything to your brand.
Go live in 48 hours
Pass compliance checks once — we handle CBN requirements, KYC/AML, and regulatory reporting so you don't have to.
Scale with intelligence
Real-time analytics, automated collections, and risk monitoring. Your operations run themselves while you focus on growth.
Tax Collection Infrastructure
Tax payments for every
tier of government.
Pay4it connects taxpayers and businesses directly to the treasury at all three government levels — Federal, State, and Local. Real-time remittance. Zero leakage. Full statutory compliance.
3
Govt tiers covered
36+
State revenue boards
₦120B+
Tax collected
Total tax collected today
₦0M+
Federal · State · Local Government
OAGF verified
Trusted by leaders
Built for Nigeria's most ambitious institutions.
From consumer fintechs to government revenue boards — Pay4it powers the backbone of financial services across Nigeria.
43%
Avg. checkout lift
< 48h
Time to go live
31%
Reduced IGR leakage
“Pay4it's BNPL APIs increased our checkout conversion by 43% in six weeks. The integration took our team less than a day — that's unheard of in fintech.”
Adaeze Okonkwo
CEO, ShopNaija Commerce
“We connected our state revenue service to Pay4it's government collection engine. Leakage dropped by 31% in the first quarter and reconciliation is now fully automated.”
Olusegun Balogun
Director, Oyo IGR Board
“The cleanest financial API I've ever worked with. We embedded Pay4it's credit rails into our super-app in under three days. Best developer experience on the continent.”
Funmilayo Adekunle
CTO, FinConnect Nigeria
The platform Nigeria
runs on.
Join fintechs, enterprises, and government agencies already using Pay4it to power credit decisions, tax collection, and payment flows across Nigeria.