AI-Powered Banking of the Future.
Open a CBN-licensed bank account in 60 seconds. Enjoy free transfers, 16.5% p.a. high-yield savings, instant virtual dollar cards, and 24/7 AI WhatsApp banking.
High-Yield Savings
16.5% P.A.
Paid Daily
NIP Transfers
0% Fees
Instant 2.1s
CBN & NDIC
100% Safe
Fully Insured
500,000+
Happy Customers
₦120 Billion+
Volume Processed
15,000+
Active POS Terminals
2.1 Seconds
NIP Transfer Speed
99.99%
Network Reliability
CBN / NDIC
Fully Regulated
Engineered for Every Financial Journey
From daily retail payments to enterprise multi-user payroll and high-earning POS terminals, explore UltraPay's cutting-edge financial ecosystem.
UltraPay Personal Account
Experience banking designed for your lifestyle with instant account opening using BVN/NIN, free monthly transfers, zero card maintenance fees, and instant real-time alerts.
Agentic Fintech, Not Another Chatbot
A chatbot tells you where the button is. Our banking agent presses it — completing real transactions inside the limits, confirmations and audit trail a CBN-licensed bank is held to.
Say it, don't navigate it
State the outcome in your own words on WhatsApp. No menu trees, no USSD strings.
The agent does the steps
Beneficiary lookup, limit checks, execution — sequenced by the agent, not handed back to you.
Inside your limits, always
It inherits your KYC tier and caps, and holds every transfer for a single-use confirmation code.
Test Drive the UltraPOS Terminal
Experience the real-time speed and intuitive touch UI of Nigeria's favorite agency terminal right here on your browser.
Select Operation
Transaction Amount
₦15,000.00
How You Make Money with Every Swipe
Unlike traditional banks that charge high uncapped percentages, UltraPay caps your terminal fee at just ₦100 maximum, leaving the maximum profit margin in your hands.
Simulated Transaction Breakdown for ₦15,000.00:
The UltraPOS Profit Engine
Say goodbye to high fees and delayed settlements. UltraPOS charges just 0.2% capped at ₦100 and settles your earnings directly into your bank balance in real-time.
Agent Profit Calculator
Simulate your potential monthly earnings with UltraPOS
Estimated Monthly Net Profit
₦432,000.00
₦14,400 daily earnings
Monthly Fee Savings vs Others
+₦72,000.00
Extra cash retained in your pocket
High-speed receipt printing with custom merchant branding.
Zero network downtime with auto network failover.
Over 72 hours of standby and 1,000 continuous receipts.
Funds reflect instantly in your UltraPay core account.
Spend Globally with UltraCards
Instant Virtual Dollar Cards for global SaaS, subscriptions, and shopping + Luxury Contactless Naira Debit Cards with zero maintenance fees.
Virtual Dollar Card
Cardholder
AYODELE O. IBRAHIM
Expires / CVV
11/29 • •••
Works Everywhere You Need to Pay
Whether you're paying for cloud servers, advertising campaigns, online shopping, or withdrawing cash at any ATM in Nigeria, UltraCards give you absolute freedom and zero declined payments.
Instant Naira-to-Dollar Funding
Fund your card directly from your bank balance with real-time conversion rates.
3D-Secure 2.0 Fraud Protection
Every online transaction is verified via biometric or instant one-time password.
Custom Spending Limits & Subscriptions
Set daily or monthly caps to prevent unwanted recurring subscription charges.
100% Guaranteed Acceptance On:
High-Yield Savings & Wealth
Earn up to 16.5% p.a. guaranteed returns with zero market volatility. See how fast your money grows with our transparent compounding calculator.
+₦41,250.00
≈ ₦226.03 earned every single day
₦541,250.00
Instant Airtime & Data Top-Up
Top up any mobile network in Nigeria instantly with automated zero-fee delivery.
Transparent Loan Repayment Simulator
Access up to ₦20,000,000 in working capital, salary advance or agency float with zero hidden charges and competitive rates.
₦191,666.67
for 6 consecutive months
₦150,000.00
₦1,150,000.00
Banking That Fits in Your Pocket
Enjoy seamless digital banking on the go. Experience bank-grade biometrics, zero transfer fees, real-time push alerts, and an intelligent WhatsApp banking companion.
Instant 2.1s Transfers
Send money to any Nigerian bank or MFB with 99.99% success rate and zero transfer charges.
Airtime & Utility Bills
Recharge MTN, Airtel, Glo, 9mobile, pay DSTV/GOTV, electricity tokens with instant cashback.
High-Yield Wealth
Earn up to 16.5% p.a. interest credited daily directly to your account balance.
WhatsApp AI Assistant
Bank directly on WhatsApp via 0814 444 4947. Check balances and send funds instantly.
Download the App Today:
Protected by the Highest Standards
Your money and sensitive personal data are safeguarded with multi-layered bank encryption, CBN regulatory oversight, and statutory NDIC insurance.
CBN Regulated & NDIC Insured
Licensed by the Central Bank of Nigeria. Every customer deposit is insured by the Nigeria Deposit Insurance Corporation (NDIC).
256-Bit Bank Encryption
All transactions and data transfers utilize military-grade TLS 1.3 cryptographic protocols with automated threat defense.
PIN Pepper & Salt Security
Transaction PINs are cryptographically hashed with individual user salts and secret server-side peppers, locking after 3 wrong attempts.
24/7 Anti-Fraud Shield
Real-time anomaly detection algorithms instantly flag and freeze unauthorized device access and suspicious debit attempts.
Fraud Prevention & Security Hotline
Suspect unauthorized account activity? Contact our 24/7 fraud desk immediately at 08026267038 or email info@ultrapay.ng.
Loved by 500,000+ Nigerians
Read verified reviews from super POS agents, fast-growing businesses, tech innovators, and smart savers who trust UltraPay every single day.
"Switching to UltraPOS was the best business decision I made this year. The 0.2% capped at ₦100 fee saves me over ₦150,000 monthly in charges compared to other banks. The instant settlement means I can rotate my cash without delays!"
Alhaji Ibrahim Danladi
Verified CustomerSuper POS Agent & Retail Distributor
Kano & Kaduna
Frequently Asked Questions
Got questions about opening an account, POS terminals, virtual dollar cards, or interest calculations? Find answers below.
Still have questions?
Our 24/7 Priority Support and WhatsApp AI Agents are available around the clock to assist you.
Ready to Experience Next-Level Banking?
Join over 500,000 Nigerians banking smarter with UltraPay. Open an account in under 60 seconds and start enjoying zero transfer fees and high-yield savings today.
Scan to Download Instantly
Point your smartphone camera to install UltraPay App