NAIRAXIPay is an NFC-powered smart payment platform engineered for energy, transport, retail, and social welfare — delivering financial inclusion at the speed of 10 seconds.
NAIRAXIPay is not a generic payment tool. It is purpose-built for environments where speed, inclusion, and reliability are non-negotiable.
Deployed at petrol, CNG, and LNG retail stations. Integrates with pump dispensing APIs for automatic volume-based fare calculation and post-fueling payments in under 10 seconds.
Designed for keke operators, bus drivers, and logistics riders — millions of Nigerians without Visa or Mastercard cards — giving them a regulated, usable financial identity.
Provides managed payment infrastructure with real-time analytics, customer intelligence, and automated daily reconciliation — transforming cash-dependent outlets into data-driven operations.
A credible delivery channel for targeted disbursements, subsidies, and intervention programmes — ensuring funds reach beneficiaries directly, traceably, and without leakage.
Select a sector below to see the exact end-to-end payment journey — from first contact to confirmed transaction in seconds.
Payment is triggered post-fueling, calculated automatically from the actual volume of gas dispensed by the pump. NAIRAXIPay integrates directly with the pump API to receive the volume reading and compute the exact fare — no manual entry, no estimation.
Keke operator or vehicle arrives. NAIRAXI agent confirms card balance is sufficient for a typical fill. If low, instant top-up is done on the spot.
Attendant activates the dispenser. The pump meter records the exact volume of CNG (SCM) or LNG (kg) dispensed throughout the fill cycle.
When filling ends, the dispenser registers total volume and transmits it to NAIRAXIPay via the integrated pump API. System calculates: Volume × Price per Unit = Amount Due.
Customer taps NAIRAXIPay NFC card on the attendant's POS. Exact amount debited from the Providus Bank wallet instantly. ₦80 service fee added at point of purchase.
Digital receipt generated. Customer drives off. Entire post-fueling payment cycle completed in under 10 seconds.
All transactions reconciled same-day via NAIRAXI sub-account with Providus Bank. Station receives full daily report: volume dispensed, amount charged, net settlement — per pump and per shift.
At petrol retail stations, the amount due is determined by the volume of fuel dispensed in litres. NAIRAXIPay integrates with the pump dispenser to capture litres dispensed, apply the current pump price per litre, and trigger an NFC card payment immediately after the nozzle is returned.
Customer drives into the filling station and is directed to an available pump. Attendant confirms the desired fill — full tank or a specified amount.
The pump dispenser is activated and begins dispensing petrol. The pump meter tracks the exact number of litres dispensed in real time as the fill progresses.
When the nozzle is returned, the pump registers the final litre reading and sends it to NAIRAXIPay via the API. System computes: Litres Dispensed × Current Price per Litre = Total Due.
Attendant presents the POS to the customer, who taps their NAIRAXIPay card. Exact calculated amount plus ₦80 service fee is debited instantly from the Providus Bank wallet.
Digital receipt issued showing litres dispensed, unit price, total charged, and wallet balance. Customer drives off. No cashier queue. No POS failure.
Station manager receives a full daily report: litres sold, revenue collected, transactions per pump, and net settlement via Providus Bank.
NAIRAXIPay replaces cash fare collection with a fast, tap-based NFC system. Passengers tap once to board — fare is fixed by route or distance tier and deducted automatically. No cash handling for conductors. No change disputes. No revenue leakage.
Passenger arrives at the bus stop, motor park, or terminal with their NAIRAXIPay NFC card loaded with sufficient balance for their journey.
The bus conductor opens the NAIRAXIPay POS app and selects the applicable route or destination. The system retrieves the correct fare for that route tier automatically.
Passenger taps their NAIRAXIPay NFC card on the conductor's POS. The correct fare is instantly debited from the Providus Bank wallet. No cash exchanged. No change needed.
POS confirms payment with a green signal and receipt. Passenger is seated and the bus departs. Entire boarding payment takes under 5 seconds per passenger.
At end of each journey or operating day, the bus operator receives a full digital revenue report — total passengers, fares collected per route, and net settlement deposited via Providus Bank.
NAIRAXIPay transforms toll collection from a cash bottleneck into a seamless tap-and-go experience. Vehicles tap their NFC card or windscreen tag at the booth — toll is deducted instantly, the barrier lifts, and the vehicle passes through. No queuing. No fumbling for cash.
Vehicle owner registers on the platform. Each vehicle is linked to a NAIRAXIPay wallet and issued an NFC card or windscreen-mount NFC tag. Wallet is pre-loaded with toll credit.
Vehicle slows at the toll lane. The booth POS or NFC reader identifies the vehicle class (private car, commercial, articulated truck) and retrieves the applicable toll rate automatically.
Driver taps NFC card or windscreen tag is scanned. Correct toll fee is instantly deducted from the Providus Bank wallet. Barrier lifts immediately on confirmed payment.
Barrier arm raises, vehicle passes through. Digital receipt sent to the customer's app. The next vehicle approaches immediately — dramatically reducing queues during peak hours.
Toll operator receives real-time and daily transaction reports: vehicle count, class breakdown, revenue per lane, and full reconciliation via the NAIRAXI–Providus Bank sub-account. All tamper-proof and auditable.
For everyday retail — supermarkets, convenience stores, markets, and kiosks — NAIRAXIPay provides a fast, reliable tap-to-pay checkout experience. The cashier enters the purchase total, the customer taps their NFC card, and payment is done. Full daily reconciliation for store owners.
Customer selects items and proceeds to the checkout counter. Items are tallied by the cashier or scanning system in the usual manner.
The cashier inputs the total purchase amount on the NAIRAXIPay POS terminal. The terminal displays the amount to the customer for confirmation before payment is initiated.
Customer taps their NAIRAXIPay NFC card on the POS. Purchase amount plus the ₦80 service fee is instantly debited from the Providus Bank wallet. No PIN delays. No network timeout.
Payment confirmed. Digital receipt issued. Customer leaves with purchases. Queue clears faster — improving throughput during peak shopping hours.
Store owner accesses the NAIRAXIPay dashboard for real-time sales data: transaction count, revenue, peak hours, top-spending customers, and daily net settlement via Providus Bank.
NAIRAXIPay provides a secure, traceable, and leakage-free channel for government agencies and NGOs to deliver targeted cash transfers, food subsidies, conditional grants, and social intervention funds directly to registered beneficiaries — without requiring a traditional bank account.
Eligible beneficiaries are enrolled by NAIRAXI agents or government officers. Each is verified through CBN-compliant KYC and issued a personalised NAIRAXIPay NFC card linked to their unique welfare wallet account.
The sponsoring agency initiates a batch disbursement through the NAIRAXI platform. Funds are credited to each enrolled beneficiary's Providus Bank wallet simultaneously — fast, direct, and fully logged. Zero middlemen.
Beneficiary receives SMS or app notification that funds have been loaded. The card is immediately active for spending at approved vendor locations registered on the NAIRAXIPay network.
Beneficiary presents NAIRAXIPay card at a registered vendor. Vendor's POS processes the NFC tap. Disbursed amount is debited — restricted to approved spending categories if required by programme rules.
Government agency dashboard shows live: how many beneficiaries have received funds, how much has been spent, where it was spent, and remaining balances. Full audit trail — no leakage, no ghost beneficiaries.
NAIRAXI generates periodic programme reports: total beneficiaries reached, disbursement utilisation rate, geographic distribution of spend, and full financial reconciliation — ready for audit and impact assessment.
A complete, managed payment ecosystem — deployed at zero capital cost to your business.
NAIRAXIPay supplies and maintains POS devices for every active attendant — at no acquisition or leasing cost to you.
Our engineers handle complete integration with your CNG, LNG, or petrol dispensing system — free of charge, from day one.
Every customer gets a personalised, CBN-regulated NFC card backed by Providus Bank — usable even without a traditional bank account.
Track transaction volumes, fuel dispensed per customer, peak hours, revenue trends, and reconciliation data — live, per location.
Every naira is reconciled daily via NAIRAXI's sub-account with Providus Bank. Zero manual counting. Zero cash risk at close of day.
Trained NAIRAXI agents stationed directly inside your outlet — handling card issuance, top-ups, and customer support on the floor.
Whether you operate a fueling station, a transport fleet, a retail outlet, or a government programme — NAIRAXIPay is ready to deploy. Reach out to the NX-P Technologies team today.