Pay smarter, live better with Paycilo.
Paycilo gives you a permanent payment link so people can pay you without asking for your bank name or account number every single time.
Grab your handle
Not a wallet or thrift scheme. Transfers still happen through your bank.
Pay to
paycilo.com/@debbyfoods
Receiver
Debby Foods
Amount
₦12,500
QR at your counter
Print, place and get paid faster.
One Paycilo for every social profile
Whether you sell hair, run a food page, promote music, or just split bills with friends, your Paycilo sits neatly in your bio. No more “Send it to this other account instead” messages.
Side hustles and small shops
Update prices or banks without changing your bio link.
Savings groups and family
Use one link for contributions, gifts, and shared expenses.
Offerings and tithe collections
Display your Paycilo QR on screen or print for easy offering and tithe collection.
Donations and support
Share one trusted Paycilo for those who want to support you.
@lagosfoodplug
Food orders via WhatsApp and Instagram
paycilo.com/@lagosfoodplug
Pinned as “Order and Pay” in bio.
@giftcorner.ng
Birthday surprise packages
paycilo.com/+2348120000000
Works directly with WhatsApp chat link.
@naijafreelancer
Design and content gigs
paycilo.com/@naijafreelancer
Pinned as payment link on profile.
How it works
Keep using the banks and apps you already trust. Paycilo keeps the flow familiar but removes the friction. You still receive money directly into your normal accounts. The journey changes for the better for everyone involved.
1. Create your Paycilo
Sign up with WhatsApp or email and pick a simple handle.
2. Put it everywhere
Paste it on WhatsApp bio, status, Instagram, TikTok, X (Twitter) and invoices.
3. They pay from their bank
Sender taps, sees your details, chooses bank and sends.
Built for everyday payments
From small businesses and freelancers to students and family contributions, Paycilo makes getting paid less awkward.
Smart QR from day one
Every Paylink has a QR code you can print and place at your shop, salon, church or event. Great for POS terminals, market stalls, delivery riders and home salons.
Market sellers and artisans
Perfect for artisans, kiosks and market tables. Put the QR at your table or where customers can see it, let them pay on their own and continue serving without interruptions.
Optimised for WhatsApp
One tap from chats, statuses or groups. Your Paylink can also be tied directly to your WhatsApp number if you prefer that to a handle.
Frequently asked questions
Short answers, without fine print. Paycilo is built to respect your existing banking and the way you already move money.
Is Paycilo a bank, wallet or thrift scheme?
Do I still need my bank app or USSD?
How will Paycilo make money if it is not holding funds?
What if someone tries to fake my Paylink?
Will this work with all Nigerian banks?
When will Paycilo be available?
This is so much easier. Paycilo in real life.
People just tap your Paycilo from anywhere and follow the steps. See the practical ways people use Paycilo to stay organised, avoid mistakes and keep their payments stress-free.
Chioma – Home baker in Port Harcourt
Before Paycilo, customers kept asking for my account number every single time. Now I just send one link. Orders come in faster and I hardly correct transfer mistakes anymore.
Kunle – Furniture maker in Ibadan
Market days used to be stressful. People queue to pay, then wait for me to check alerts. With my Paycilo QR on the table, they scan, pay from their bank and move on. Much smoother.
Zainab – Final year student in UNILAG
My roommates and I use Paycilo for bills and contributions. One permanent link saves us from sending different accounts every month. It keeps everything tidy.
Emeka – Freelance graphic designer
Clients now pay me without any back and forth. My Paycilo link is on my Instagram bio and invoices. Once they tap, they see my details and use their bank app. Zero confusion.
Blessing – Hairstylist from Warri
I printed my Paycilo QR and placed it at my salon. Customers love it. No more typing my account number or calling out digits. Payments come in while I focus on my work.
Ibrahim – Delivery rider in Kano
Some customers give wrong account numbers when tipping. With Paycilo, I just show them the QR. They send straight to my bank. It has saved me time and money.
Ngozi – Gift box curator
My WhatsApp link goes straight to my Paycilo. Customers order and pay without waiting for me to reply with details. It makes my small business feel professional.
Tobi – Tech worker in Lagos
Anytime I help friends buy event tickets or food, I drop my Paycilo link. It keeps contributions organised and I no longer chase anyone for screenshots.
Amina – Church administrator
Offering collections became clearer for us. We display our Paycilo QR on screen and members use their own bank apps. Easier to track and reconcile.
Richard – Music producer
I pinned my Paycilo on TikTok and Instagram. People send me money for beats, mixing or even small support. It removed all the awkward ‘Which account should I send to?’ questions.
Kehinde – Mother of three
Family contributions used to be stressful. Now everyone knows the same Paycilo link to use. Transfers land in my normal bank app without confusion.
Oladipo – Mini importation seller
I switch banks sometimes due to network issues. Paycilo lets me update my details without changing the link in my shop or adverts. That alone is a lifesaver.
Join early users
Turn “Send me your account number” into one simple link.
No new wallet, no complex set-up. Just a cleaner way to share the payment details you already own and trust.