EchoMoney: Business Payments

EchoMoney is a business-grade payments platform built for Nigerian small and medium enterprises. Manage every naira that flows through your business.

EchoMoney is a business-grade payments platform built for Nigerian small and medium enterprises. Manage every naira that flows through your business — from customer collections to vendor transfers and utility bills — all in one secure app.

KEY FEATURES

Collections & Virtual Accounts Receive payments from customers through dedicated virtual account numbers. Every inflow is tracked, reconciled, and reflected in your wallet in real time.

Bank Transfers Send money to any Nigerian bank account instantly. Name enquiry confirms the recipient before you approve. Full transfer history always at your fingertips.

Bill Payments Pay for airtime, data bundles, electricity (IKEDC, EKEDC, AEDC, IBEDC & more), and cable TV (DSTV, GOtv, Startimes) without leaving the app. Bulk payments supported for business use cases.

Wallet & Transaction History A unified wallet balance with a filterable ledger of every debit and credit. Export statements for accounting and reconciliation.

KYC-Verified Accounts Every EchoMoney account is BVN- or NIN-verified at signup. Businesses are reviewed and approved before access is granted — ensuring a trusted network of verified merchants.

Secure by Design 4-digit transaction PIN required for every transfer and payment. PIN is encrypted end-to-end and never stored in plaintext.

Business Dashboard Real-time balance, recent activity feed, and quick-action shortcuts optimised for fast, repetitive business transactions.

WHO IS ECHOMONEY FOR? EchoMoney is designed for Nigerian SMEs — retailers, wholesalers, logistics operators, service businesses, and online merchants — that need a reliable, affordable alternative to traditional business banking.

SECURITY & COMPLIANCE All accounts are KYC-verified via government-issued BVN or NIN. Data is encrypted in transit and at rest. Transactions require biometric or PIN authorisation