“Locked the rate and got paid before I could lock my phone. No drama, no last-minute switch.”
Tola A.
Surulere
Sell cards. Pay bills. Naira in 5.
Sell gift cards for naira at a rate we lock the second you submit and pay your bills straight from your balance. Naira in your bank in 5 minutes. Every fee on screen. Real humans on chat, day or night.
9:41
You sell
100USDT
Locked rateNGN1,720.00
SpreadNGN80
Service feeNGN160
You receiveNGN171,760
Payout to
GTBank · 0123…
Settles in
04:21
Cards in. Bills out. Naira in your bank.
Sell what you have for naira at the rate you tap. Naira lands in your bank in 5 minutes.
Sell gift cards
Twelve major brands at launch. Amazon, Steam, Apple, Razer, Visa, eBay, and more. Physical, digital, e-codes, image uploads.
Pay bills
Top up airtime and data. Settle DStv, electricity, internet. From your Payroid balance, right after a trade — no extra app, no second account.
Naira to your bank
Direct to GTBank, Access, UBA, Kuda, Opay, and 20+ Nigerian banks. Naira hits in 5 minutes, backed by real float.
Sell crypto
USDT, BTC, ETH, USDC, SOL, BNB. Mid-market rate locked the second you submit. Naira settles to your bank in five minutes.
9:41
You sell
100USDT
Locked rateNGN1,720.00
SpreadNGN80
Service feeNGN160
You receiveNGN171,760
Payout to
GTBank · 0123…
Settles in
04:21
Three steps. Five minutes. Zero surprises.
- 01
Pick what you're selling
Gift card brand and amount. Today's locked rate shows before you do anything.
- 02
Lock the rate
Tap Lock & sell. The rate is final, signed in your receipt with the timestamp.
- 03
Get paid in 5 minutes
Send your card. We push naira straight to your bank. Miss 5 minutes? Bonus credited automatically.
Six promises we keep in writing.
Every one signed, timestamped, and credited back to you when we miss.
The rate at submit is final.
We lock your rate the second you confirm. No 'market moved' excuses. Pinned on screen, signed in your receipt.
Naira in your account inside 5 minutes.
We keep naira ready so your payout never waits. If it takes more than 5 minutes, we add a bonus to your wallet automatically. You don't have to chat anybody.
Every kobo of spread, shown before you submit.
You see our cut and the rate margin on the trade screen before you tap submit. If it's not on screen, we're not charging it.
A trained person on chat, day or night.
Not a chatbot. Not a 'we'll get back to you in 24 hours'. A real human handling your message — most days within a minute, always within the hour.
Hold a rate before you commit. 90 full seconds.
Tap freeze, finish reading the fees, double-check the bank. The rate doesn't move while the timer runs. Commit on your own time, not the market's.
Every trade signs to a downloadable PDF.
Asset, rate, fee, timestamp, settled bank — all on a single page you can hand to your accountant or staple to a tax return. No screenshots.
From the private beta in Lagos.
Quotes from the small cohort of traders running Payroid before launch. Names anonymized.
“I'd been burned by another platform that re-quoted me mid-trade. Payroid pinned the rate. That's the only reason I'm here.”
Chinedu O.
Lekki
“Settled fast and the rate was exactly what I tapped. Feels like a real app, not a Telegram group.”
Adaeze N.
Yaba
“Asked support a stupid question at 1am. Real human answered in 40 seconds. I closed the trade with confidence.”
Kenny B.
Ikeja GRA
Start trading
in five minutes.
Download the app and your first trade hits your bank in 5 minutes. No queue, no waves, no waiting.
Reasonable questions, direct answers.
How do I get started?
Download the Payroid app on iOS or Android, set up your account, and start trading. Your first payout hits in 5 minutes.
What makes Payroid different?
One thing: the rate you tap is the rate you get. We don't switch the rate on you mid-trade. We pin a 5-minute clock on your receipt, and if we're late, we add bonus to your wallet. Everything else is just doing the work properly.
What if you can't pay in 5 minutes?
We add bonus to your wallet automatically. No support ticket, no begging. The 5-minute clock runs whether you're watching it or not.
Why do I need to verify my identity?
Quick check so we know it's really you. Keeps scammers off the platform and your naira safe in your own bank, not somebody else's. One time, under a minute, and you don't have to do it again.
Which gift cards do you buy?
Twelve major brands at launch: Amazon, Steam, Apple, Google Play, Razer Gold, Visa, eBay, Walmart, Sephora, Nordstrom, Macy's, Amex. We add what users vote up.
Do you support businesses?
Yes. High-volume traders and merchants get custom rates and a settlement-only API. Email hello@payroid.co to set up a business account.