Nigeria's #1 VTU Platform 🇳🇬

Pay Bills, Buy
Airtime &
Data Instantly

SwiftPay is the fastest digital wallet for Nigerians. Buy airtime, data, pay DSTV, electricity, fund betting wallets and send money — all under 10 seconds, 24/7.

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Trusted by 10,000+ Nigerians daily
👩🏾‍💼
Amara O.
Just bought MTN 2GB
-₦700
👨🏿‍💻
Chidi E.
Paid DSTV Compact
-₦10,500
👩🏽‍🎓
Ngozi M.
Funded Bet9ja wallet
-₦5,000
👨🏾‍🔧
Emeka J.
Paid EKEDC electricity
-₦8,000
SwiftPay Wallet
₦45,280.50
7720 •••• 3845
📱Airtime
🌐Data
⚡Bills
💸Send
✅
Airtime Delivered!
MTN ₦500 → 0803•••5678
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Wallet Funded
+₦20,000 received
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Cashback Earned!
+₦70 added to cashback
📱 MTN Airtime
🌐 Glo Data Bundles
📺 DSTV Subscription
⚡ EKEDC Electricity
🎰 Bet9ja Top-up
📱 Airtel Airtime
🌐 9mobile Data
📺 GOTV Subscription
⚡ IKEDC Electricity
🎰 SportyBet Funding
💸 Bank Transfer
🎁 1% Cashback Always
📱 MTN Airtime
🌐 Glo Data Bundles
📺 DSTV Subscription
⚡ EKEDC Electricity
🎰 Bet9ja Top-up
📱 Airtel Airtime
🌐 9mobile Data
📺 GOTV Subscription
⚡ IKEDC Electricity
🎰 SportyBet Funding
💸 Bank Transfer
🎁 1% Cashback Always
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Active Users
₦500M+
Processed Monthly
99.9%
Platform Uptime
6
VTU Services
How It Works

Up & running in
3 simple steps

From signup to your first transaction in under 2 minutes.

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Create Your Account

Sign up with your name, email and phone number. Verify with a one-time OTP code sent to your phone.

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Fund Your Wallet

Add money to your SwiftPay wallet via Paystack — card, bank transfer or USSD. Instant credit, no delays.

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Pay Anything Instantly

Buy airtime, data, pay bills, fund betting wallets or send money to friends. Done in seconds, every time.

Everything You Need

Built for every Nigerian

Every feature you need to manage your digital payments, all in one place.

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Airtime Top-up
All 4 networks — MTN, Glo, Airtel, 9mobile. Instant delivery, up to 2% discount.
2% Discount
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Data Bundles
Over 24 data plans across all networks. Daily, weekly, monthly — best prices guaranteed.
3% Discount
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Cable TV
DSTV, GOTV and Startimes subscriptions. Renew any bouquet, verify smart card instantly.
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Electricity Bills
Pay 7 DISCOs — EKEDC, IKEDC, AEDC, PHEDC and more. Prepaid tokens delivered instantly.
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Betting Wallet
Top up Bet9ja, SportyBet, 1xBet, BetKing, NairaBet and Betway wallets directly.
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Money Transfer
Send money between SwiftPay users instantly or to any Nigerian bank account.
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Cashback Rewards
Earn 1% cashback on every single VTU purchase. Rewards added automatically, no minimum.
Auto Cashback
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Refer & Earn
Share your unique referral code. Earn ₦500 for every friend who signs up and verifies.
₦500 Per Referral
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PIN Security
Every transaction protected by your personal 4-digit PIN. Rate limiting prevents brute force.
Bank-Grade
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KYC Verification
Verify with NIN, BVN or valid ID to unlock higher daily limits up to ₦200,000.
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Transaction History
Full searchable history of every naira in and out. Filter by category, date or status.
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Saved Beneficiaries
Save frequent numbers for quick one-tap recharge. Never type the same number twice.
Testimonials

Loved by Nigerians 🇳🇬

★★★★★

"SwiftPay is genuinely the fastest airtime app I've used. MTN airtime lands before I even close the app. The cashback is a sweet bonus too!"

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Adaeze Okonkwo
Lagos, Nigeria
★★★★★

"I use SwiftPay every month for DSTV and electricity. Never failed once. The verification is smooth and I love that my card is saved."

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Bayo Adeleke
Abuja, Nigeria
★★★★★

"Referred 8 of my friends and earned ₦4,000 in bonuses! The dashboard is so clean and the daily limit increase after KYC is great."

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Chioma Eze
Port Harcourt
★★★★★

"As a betting person, having Bet9ja and SportyBet top-up in one app is a lifesaver. Transfer to friends is also very fast. 10/10."

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Tunde Bakare
Ibadan, Nigeria
★★★★★

"Electricity token came in 5 seconds after payment. I was shocked. My old app used to take 10 minutes sometimes. SwiftPay is on another level."

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Fatima Abubakar
Kano, Nigeria
★★★★★

"The PIN protection gives me peace of mind. Even if someone has my phone they can't send money without my PIN. Very smart security."

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Emeka Nwosu
Enugu, Nigeria
★★★★★

"SwiftPay is genuinely the fastest airtime app I've used. MTN airtime lands before I even close the app. The cashback is a sweet bonus too!"

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Adaeze Okonkwo
Lagos, Nigeria
★★★★★

"I use SwiftPay every month for DSTV and electricity. Never failed once. The verification is smooth and I love that my card is saved."

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Bayo Adeleke
Abuja, Nigeria
★★★★★

"Referred 8 of my friends and earned ₦4,000 in bonuses! The dashboard is so clean and the daily limit increase after KYC is great."

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Chioma Eze
Port Harcourt
★★★★★

"As a betting person, having Bet9ja and SportyBet top-up in one app is a lifesaver. Transfer to friends is also very fast. 10/10."

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Tunde Bakare
Ibadan, Nigeria
★★★★★

"Electricity token came in 5 seconds after payment. I was shocked. My old app used to take 10 minutes sometimes. SwiftPay is on another level."

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Fatima Abubakar
Kano, Nigeria
★★★★★

"The PIN protection gives me peace of mind. Even if someone has my phone they can't send money without my PIN. Very smart security."

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Emeka Nwosu
Enugu, Nigeria
Pricing

Simple, transparent pricing

No hidden charges. Pay only for what you use.

Starter
Free forever

Perfect for personal use and occasional top-ups

  • All VTU services
  • ₦50,000 daily limit
  • 1% cashback
  • ₦500 referral bonus
  • Transaction history
Verified
Free with KYC

Complete KYC verification for higher limits

  • Everything in Starter
  • ₦200,000 daily limit
  • Priority transactions
  • Dedicated support
  • Early access to features
Reseller
Custom pricing

For agents and businesses reselling VTU services

  • API access
  • Unlimited daily limit
  • Bulk discount rates
  • Dedicated account manager
  • White-label option
FAQ

Frequently Asked Questions

Everything you need to know before getting started.

Is SwiftPay free to use? +
Yes, SwiftPay is completely free. You only pay the exact cost of the service you're buying — airtime, data, cable or electricity. There are no platform fees or hidden charges.
How fast is airtime or data delivery? +
Airtime and data are delivered instantly — usually within 2–5 seconds of your transaction being confirmed. Electricity tokens typically arrive within 10 seconds.
How do I fund my SwiftPay wallet? +
You can fund your wallet using Paystack — which supports debit/credit cards, bank transfers, and USSD. Minimum funding is ₦100, maximum per transaction is ₦1,000,000.
What is the transaction PIN and can I change it? +
Your 4-digit PIN is required to confirm every debit transaction — buying airtime, paying bills, or sending money. You can change your PIN anytime from your Profile settings.
How does cashback work? +
You earn 1% cashback automatically on every VTU purchase (airtime, data, cable, electricity, betting). It's added to your cashback balance instantly with no minimum threshold.
How do I increase my daily transaction limit? +
Complete KYC (Know Your Customer) verification by submitting a valid ID document such as NIN, BVN, passport or driver's license. Approved accounts get a ₦200,000 daily limit.
What happens if a transaction fails? +
If a VTU transaction fails after your wallet has been debited, the full amount is automatically reversed to your wallet within seconds. You are never charged for failed transactions.
Get SwiftPay

Start paying smarter
today. It's free.

Join over 10,000 Nigerians who trust SwiftPay for their daily VTU needs. Create your account in 2 minutes.

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