Your money tracks.It has a brain now.
Nova Pay doesn't just move money. It tracks it, protects it, and tells you where it's going before you ask. Banking with actual intelligence built in.
Banking built
inside the conversation.
Pay inside the chat
Your customer says they want it. Nova sends the payment request in the same message. No link clicks, no checkout pages, no friction. The money lands before the conversation ends.
A real bank account, not a wallet
Nova Pay gives you an actual bank account number under your name. Receive transfers from any Nigerian bank. Your account says Nova Pay. The rails are invisible. The brand is yours.
Nova White, Gold, and Black
Three cards. Not bought. Earned. Your card reflects what you have built. The more you transact, the higher you rise. Nova Black has fewer than a hundred holders in Nigeria. That is the point.
Fraud caught before it costs you
Nova Pay's AI scores every transaction in real time. Fake bank alerts, velocity attacks, suspicious reversals. One scammer caught on one merchant flags every Nova Pay merchant in Nigeria instantly. No bank does this.
You message.
They pay. You move on.
1// Nova Pay account ready2account: {3 name: 'NOVA PAY - AMAKA EZE',4 number: '8012345678',5 bank: 'Nova Pay',6 status: 'active'7}89// Receive from any bank in Nigeria
Your money reaches
every bank.
Nova Pay connects to all 40+ Nigerian banks over NIP. When a payment clears in the chat, it hits the recipient's account in the same breath. No intermediaries. No morning delays.
This is what
a bank looks like.
Nova Pay merchants.
Everywhere money moves.
- ■NG40,774,304,356
- ■GB6,211,054,435
- ■US4,951,724,702
- ■GH2,357,156,091
- ■KE1,932,756,153
- ■ZA1,806,778,302
- ■DE1,690,185,948
▲ Nova Pay active merchant cities · hover to explore
Everywhere
money moves.
Nova Pay works inside the apps your customers already use and reaches every bank they already bank with.
We catch the fraud
before it touches you.
Most banks find out about fraud after the money is gone. Nova Pay's AI scores every transaction before it clears. Fake alerts, suspicious reversals, velocity attacks. Caught. Blocked. You are never the one who finds out the hard way.
CBN Licensed
Regulated under the Central Bank of Nigeria framework. Every naira you hold is insured and protected under Nigerian banking law.
Vault-grade encryption
AES-256 at rest, TLS 1.3 in transit. Your account details, transaction history and card data never travel in plain text.
Cross-merchant fraud blacklist
One scammer caught on one Nova Pay merchant gets flagged across every Nova Pay merchant in Nigeria. No bank does this. Not OPay. Not Kuda. Not Zenith.
Sovereign AI processing
Payment intelligence runs on Nova's private GPU stack, not OpenAI. Your financial data never leaves our infrastructure.
Built for builders.
API-first.
Every Nova Pay feature is accessible via a clean REST API. Integrate transfers, cards, and accounts into your product in an afternoon.
TypeScript native
Full type safety with auto-generated types from our OpenAPI spec.
Webhooks included
Real-time event hooks for every transaction, card, and account event.
Idempotency keys
Never double-charge. Every mutation accepts an idempotency key.
Sandbox mode
Test with real bank flows in a fully isolated sandbox environment.
npm install @novapay/sdk# oryarn add @novapay/sdkpnpm add @novapay/sdk
“A customer said they wanted a bag at 11pm. Nova sent the payment request. Money was in my account before I fell asleep. I didn't touch my phone once.”
Tunde Fashola
Owner, Sole Society Lagos
First sale at 11:47pm
Nova Pay merchants across Nigeria
Not bought. Not given.
Earned.
Nova cards are status, not product tiers. Cross the threshold — the card finds you. No application. No approval committee. Just the number.
Nova White
Entry to luxury
Earned when you cross ₦1M processed and hold ₦10M in your account. Frosted white metal. Contactless only. No numbers on the front.
Earn this card when you reach
Pricing
Nova Gold
Serious wealth
Earned when you cross ₦100M processed and hold ₦500M in your account. Gold-tinted metal. Weighted. Embossed Nova Pay logo.
Earn this card when you reach
Pricing
Nova Black
You have arrived
Earned when you cross ₦1B processed and hold ₦10B in your account. Matte black metal. No name, no numbers on the front. Just the Nova Pay seal.
Earn this card when you reach
Pricing
Your money has
a brain now.
The first AI fintech. Nova Pay tracks your money, detects fraud before it lands, and tells you exactly where every naira went. Your account is waiting.
No commitment required