Why KetaPay
ThesafewaytotransactinNigeria.
Bank transfers leave you exposed. KetaPay holds funds in escrow until both sides are satisfied — CBN-licensed, dispute-protected, built for Nigeria.
₦2.4B+
Transactions protected
99.97%
Dispute resolution rate
48h
Avg. dispute resolution
CBN
Licensed & regulated
The problem
Sending money in Nigeria is still a leap of faith.
You send the money. They disappear.
Bank transfers are final. Once the money leaves your account, you have no recourse — no chargeback, no dispute window, no protection. Fraudsters know this.
Trust is a gamble, not a system.
Nigerians lose billions every year to online fraud — not because they were careless, but because the infrastructure to verify and protect was never built. Until now.
The buyer always carries the risk.
Pay before delivery, or the seller won't ship. It's a standoff that kills deals and stunts commerce. Escrow breaks the deadlock — both parties protected, neither exposed.
KetaPay vs. the old way
Every transaction, protected from both sides.
With KetaPay
Without KetaPay
Built for trust
Compliance and security aren't features. They're the foundation.
CBN Licensed
KetaPay operates under a Central Bank of Nigeria Payment Service Provider licence. Your funds are held in a segregated escrow account — separate from our operating capital.
Bank-grade encryption
All transaction data is encrypted at rest and in transit using AES-256. We never store card details — payment processing is handled by PCI-DSS Level 1 certified partners.
Neutral dispute resolution
Our in-house team reviews evidence from both parties independently. We have no financial incentive to side with buyer or seller — our only job is to get it right.
NDPR Compliant
Your personal data is handled under the Nigeria Data Protection Regulation 2023. We collect only what we need, retain it only as long as required, and never sell it.
I've been burned twice sending money directly to suppliers. With KetaPay, I paid for ₦800k worth of fabric — the supplier only got paid after I confirmed delivery. That protection changed how I do business.
Chidinma Okonkwo
Founder, Fabric House Lagos
Your next transaction deserves protection.
Create your KetaPay account in under 2 minutes. No card required to get started.