Eight ways to collect.
One app for all of them.
Whether your customer is standing right in front of your cash counter, across town, or in another country — iTEKKUPay handles every scenario without expensive hardware terminals or complex code.
Phone to Phone — NFC Tap
The customer opens their mobile banking or wallet app, holds their phone to yours, and the payment completes in under a second. No internet on the customer side needed. Works with any NFC-capable Android device.
Card to Phone — Tap to Pay
Turn your Android into a full card terminal. Physical Visa, Mastercard, and Verve debit or credit cards tap directly on your phone's NFC reader. No dongle, no physical POS machine, no monthly rental fee.
Payment Link & Social Commerce
Generate a unique payment URL for any amount in seconds. Share it via WhatsApp, SMS, email, or social media. The buyer opens the link in their browser and pays — no app download required on their end.
QR Code Payment (Static & Dynamic)
Generate a static QR code for your counter display (print it, laminate it, done) or create a dynamic QR code per order. Customers scan using any Nigerian banking app or camera app.
USSD Push Payment
For customers without a smartphone. You enter their phone number and amount; they receive a pop-up USSD prompt on their phone and confirm with their bank PIN. Works on any feature phone.
Invoice & Payment Request
Build an itemized invoice in the app — add products, quantities, discounts, and notes. Send it directly to your buyer via email or WhatsApp. Status updates automatically upon clearance.
Recurring Subscription Billing
Set up automated subscription billing or standing orders for regular payment cycles. The customer authorizes once; you collect automatically on the exact schedule you set.
Dedicated Virtual Accounts & API Checkout
Generate dedicated Wema or Providus bank account numbers for your customers for instant bank transfer reconciliation, or embed iTEKKUPay checkout on your website via our API.
Which method fits your workflow?
Compare customer requirements, offline readiness, and plan availability across all 8 payment channels.
| Method | Customer Needs | Works Offline | Remote Payment | Hardware Cost | Plan Required |
|---|---|---|---|---|---|
| Phone to Phone NFC | NFC-enabled Android | ₦0 (None) | All Plans | ||
| Card to Phone | Physical Bank Card | ₦0 (None) | Growth & Business | ||
| Payment Link | Any Web Browser | ₦0 (None) | All Plans | ||
| QR Code | Any Banking App | ₦0 (None) | All Plans | ||
| USSD Push | Any GSM Phone | ₦0 (None) | Growth & Business | ||
| Invoice & Request | Email / WhatsApp | ₦0 (None) | All Plans | ||
| Recurring Payments | One-Time Link | ₦0 (None) | Business | ||
| Virtual Accounts & API | Bank App / Web | ₦0 (None) | Business |
Bank-Grade Security for Every Transaction
All 8 collection methods route through encrypted PCI-DSS Level 1 channels with 256-bit tokenization and real-time CBN partner bank node clearance.
Unlock your business potential
Transform financial barriers into opportunities with a single, powerful integration that understands African entrepreneurship.