CBN Licensed 
NDIC Insured All-in-one business account
Money in seconds, numbers in one view, capital when you ask. Everything your business needs to grow.
No hidden fees. Instant activation.
Everything you need to grow
Powerful tools and services designed for Nigerian businesses.
POS Terminals
Instant settlement hardware. Get paid immediately, not in 2--3 days.
0 days settlement
Learn more
Agency Banking
Earn commissions serving customers. Expand your reach.
Up to 1.0%
Commission
Explore
Loans & Credit
Capital for growth. Quick access to working capital.
Up to ₦10M
24h approval
Apply
For Developers
REST API, webhooks, and comprehensive documentation.
View Docs
See every payment in real-time
Your staff can monitor transactions without accessing account balances. Real-time feeds, settlement tracking, and role-based access.
- Real-time transaction feed
- Settlement status tracking
- Staff access controls
Today's Transactions
₦2,450,000
TXN_001234
Settled
₦125,000
TXN_001235
Settled
₦89,500
TXN_001236
Pending
₦45,000
Operations FAQ
POS transactions settle instantly. Virtual account payments settle
same-day. All settlements are final and cannot be reversed without a
dispute process.
Download transaction reports from your dashboard. Virtual accounts
automatically match payments to invoices via webhooks. CSV exports
available for accounting systems.
Disputes must be reported within 7 days. We investigate and respond
within 5 business days. Funds are held during investigation. Contact
support@minjibirmfbng.com for disputes.
First response within 2 hours via email or WhatsApp. For urgent
issues, call +234 800 000 0000. Enterprise customers can escalate
to their dedicated account manager.
Ready to transform your business banking?
Join thousands of Nigerian businesses using SPAY Business for instant payments, virtual accounts, and growth capital.
Open business account