PayViaChat connects banks and fintechs to WhatsApp, Telegram, and every major messaging platform. Your customers pay without ever leaving the conversation.
Works on your favourite platforms
The entire payment flow happens inside the chat. No app switch. No redirect. No friction.
"Send 20k to Samuel" — in plain English or Pidgin. No special commands needed.
Our engine checks which banks both sender and receiver share. Picks the best one automatically.
We verify the sender has enough funds before asking for any PIN. No failed transactions.
A clear summary shows amount, recipient name, bank, and fee. You approve in one tap.
Your 4-digit transaction PIN. Deleted immediately after entry. No trace left in chat.
Money moves through your bank's own infrastructure. We are just the messenger.
A full bank receipt arrives in the same conversation. Reference number included.
PayViaChat is infrastructure, not an app. Banks plug in once and their customers get chat payments immediately.
We handle the integrations. Banks connect via a single adapter. No rebuilding for each platform.
From message sent to receipt received. Real-time processing with async confirmation so users never wait.
OTP + PIN + optional face verification. Every PIN deleted immediately. Immutable audit log of every event.
WhatsApp, Telegram, Slack, SMS. One integration on our end, every channel for your users.
"Send am", "dash me 5k", "wetin I get" — our NLP understands how Nigerians actually speak.
Banks see transactions, users, volume, and revenue in real time. Full reconciliation every night.
PayViaChat sits in the middle — connecting banks, fintechs, and the people who use them.
Give your customers a WhatsApp banking experience in weeks, not years. No engineering team needed.
Your users are already on Telegram and WhatsApp. Meet them where they are with a seamless payment experience.
Stay in your conversation. No app switch. No account number memorised. Just type and send.
We are onboarding a small group of banks, fintechs, and early users before our public launch. Join the waitlist and we will reach out personally.
No spam. No credit card. We will reach out when you are next.