Your WhatsApp number is your wallet. Pay a friend, send to any Nigerian bank, buy airtime, or move value across borders — without leaving the app where you already chat every day.
Built by CheckoutPay. Same wallet powers CheckoutNow and merchant checkouts across Nigeria.
Message WALLET on our official WhatsApp line to get started, or open the wallet web app above.
CheckoutPay Wallet
Today, 2:14 PM
You sent ₦15,000
To Ada — 080••• •••45 · GTBank
Delivered
Thanks! Got it 🙏
P2P received ₦5,000
From Chidi (WhatsApp wallet)
Illustration — real flows use secure PIN confirmation
Families, freelancers, and small businesses coordinate in WhatsApp. The wallet removes the awkward step of copying long account numbers into chat. Choose a contact or type an amount — send to their bank or their WhatsApp wallet — and confirm with your PIN.
Three steps. No new social network — the same number you use for messages.
Send WALLET on WhatsApp or open the CheckoutNow web app. Your phone number becomes your wallet ID after a quick setup and PIN.
Transfer to a saved bank payee, any Nigerian account, another WhatsApp number (P2P), or pay a business that sent you a secure payment link.
Enter your wallet PIN (and email OTP on higher tiers when enabled). You and the recipient get clear receipts in WhatsApp.
Pay any Nigerian bank account from WhatsApp — saved payees or new account + bank name.
Send to another wallet by phone number. They open WALLET to receive — like cash across the table, in chat.
When currencies differ, see what you pay and what they receive before you confirm — transparent conversion for family and diaspora.
Top up your line or someone else's from the wallet menu — Nigerian networks supported.
Merchants can request payment via WhatsApp: you get an order summary and a secure PIN link — no card required.
Add money via bank transfer to your virtual account (Tier 2) or receive P2P. Withdraw to your own bank when you are ready.
CheckoutPay support can credit approved refunds to your WhatsApp wallet; transfer out to any bank you choose.
Transfers and merchant debits require your wallet PIN on a secure Checkout page — never PIN-less pulls from your balance.
Access rentals, invoices, and more from the WhatsApp menu when linked to CheckoutPay businesses.
Start fast on WhatsApp. Upgrade when you need a permanent bank account number and higher limits.
Accept payment inside WhatsApp without building your own bot infrastructure. Use the same CheckoutPay API key as bank-transfer checkout.
payment.approved hits your webhook.
POST /api/v1/whatsapp-wallet/pay/start
X-API-Key: pk_your_key
{
"phone": "08012345678",
"amount": 2500.00,
"order_reference": "ORDER-123",
"order_summary": "2x Jollof + delivery",
"webhook_url": "https://your-app.com/hooks/checkout"
}
| WhatsApp Wallet | Payment gateway | |
|---|---|---|
| Best for | People paying people | Websites & WooCommerce stores |
| Interface | WhatsApp chat + wallet app | Checkout page, API, plugins |
| Receive money | P2P, virtual account (Tier 2) | Bank transfer to business account |
| Same platform | One CheckoutPay account — wallet, API, and dashboard together | |
Also need web checkout? See all products or our WooCommerce plugin.
See all FAQs including search for WordPress, API, and developer program topics.
WhatsApp Wallet lets consumers send money on WhatsApp or to any Nigerian bank account, with PIN-protected confirmations on secure CheckoutPay pages. It is powered by the same backend as merchant tools on check-outpay.com.
CheckoutNow is the consumer wallet brand experience; WhatsApp Wallet is the channel many users start from. Business tools and gateway features live on CheckoutPay for merchants.
Yes. Use bank transfer to their account details. For wallet-to-wallet credits on WhatsApp, the recipient typically opens WALLET once on WhatsApp to receive P2P credits.
Register a CheckoutPay business, obtain an API key, and request WhatsApp wallet API enablement on your account. Integrate pay/start flows from your server as documented for partners.
Outgoing transfers require your wallet PIN on HTTPS confirmation pages. Merchants cannot silently debit customers without the same confirmation pattern used for charges.
Depending on enabled features, users may send P2P transfers, pay approved merchants, buy airtime or data (VTU), and use partner payment links—availability varies by account and region.
Message the official WhatsApp contact shown on the marketing site or open the wallet web app link to fund your wallet and set your PIN.
Visit https://check-outnow.com/support or https://check-outnow.com/contact with your transaction reference. Never share your PIN or OTP with anyone claiming to be support.
The payment experience that meets people where they already are.