Coming soon · Built for Nigeria
Pay anyone.
Online or offline.
Send money to any bank account or phone number in Nigeria. When your network drops, Lorapay passes your payment, sealed and encrypted, through nearby Lorapay phones until it gets through.
When the network drops
Your payment finds a way through.
No data, weak signal or a network outage: you can still pay. Nearby Lorapay phones carry your payment until one of them is online.
- You · no signal
- Nearby Lorapay phone
- Phone with data
- Lorapay · paid
Pay as normal
Pick who to pay, enter the amount and your PIN. Lorapay notices you're offline and seals the payment so only Lorapay can open it.
It hops phone to phone
Over Bluetooth, the payment travels through Lorapay phones nearby. They pass it on without being able to read it or change it.
Checked, then paid
The first phone with data delivers it. Lorapay checks your PIN, the recipient and your limits before any money moves, so a wrong number fails safely.
Everything you pay for, in one app
Simple money, the way it should work.
Bank transfers
Send to any Nigerian bank. See the account holder's name before you pay, and save recipients for next time.
Pay by phone number
Paying someone on Lorapay? Their phone number is all you need. The money lands instantly.
Airtime & data
Top up any network for yourself or someone else in a few taps, even when your own data has run out.
History you can trust
Every payment with a clear status: sent, on its way, or delivered. Offline payments show exactly where they are.
Security
Built to guard your money, online and off.
Offline payments are sealed on your phone and opened only by Lorapay. Every rule that protects an online payment applies to them too.
How we protect you →Your PIN, every time
Lorapay checks it before any payment moves, online or offline, and too many wrong tries lock it.
Sealed end to end
Phones that carry your payment can't see who you're paying or how much, and can't change it.
Pause after a PIN reset
A new PIN holds payments for 24 hours, and we tell you by SMS and email.
Your phones, your control
See every phone signed in to your account. Signing out of a phone removes it.
Early access
Be first in line.
Join the waitlist and we'll text you as soon as Lorapay opens in your state. No spam, ever.
- Early access before the public launch
- One SMS when it's your turn, not a stream of promos
- Shape the app: tell us what you'd use it for
You're on the list.
We'll text you as soon as Lorapay opens in your state.
Questions
Does it really work with no data at all?
Yes, as long as another Lorapay phone is within Bluetooth range and some phone along the way can get online. Your payment waits safely on your phone until it can be delivered, and you can see its status at any time.
Can people nearby see my payments?
No. Your payment is encrypted on your phone. Phones that pass it along only see a sealed packet; they can't read the amount, the recipient or your PIN, and they can't change it.
Who holds my money?
[Licensed partner disclosure: the CBN-licensed bank or payment service provider that holds customer funds, and deposit insurance details.]
When does Lorapay launch?
We're opening in stages from [LAUNCH MONTH]. Waitlist members get in first, starting with the states where most people have signed up.
Something else? Email hello@lorapay.io.