Trust

You stay in control of every naira.

A PIN or Face ID on every payment you make, alerts when a new phone signs in, and a freeze you can pull yourself.

For: Everyone

Freeze your account

Use this if your phone is lost or someone else may be using your account.

What happens

  • Every device is signed out
  • Nobody can sign in or send money
  • Payouts waiting for approval are cancelled
  • Scheduled payroll waits
  • Money sent to you still arrives

What it does

Sign up with a code

Name, date of birth, email, phone and a password, then a 6-digit code by email or SMS confirms it is you.

For
New users
Example
A new user gets the code by email and is in within minutes.
Where should we send your code screen with Email selected

Transaction PIN and Face ID

Your PIN or Face ID confirms every payment you make yourself. Actions that reduce risk, like freezing, need no PIN.

For
Everyone
Example
Ada turns on Face ID after setting her PIN.

Automatic business payouts are the one exception: the owner authorises them in advance with a PIN, and they run only within the limits the owner set.

PIN set screen offering to enable Face ID

App lock

The app locks after two minutes away and on a cold start. Balances are hidden in the app switcher.

For
Everyone
Example
A phone left on a cafe table shows nothing useful.
Welcome back lock screen with a PIN keypad

Log in your way

Email and password, Google or Apple. Reset a forgotten password with a code.

For
Everyone
Example
An iPhone user signs in with Apple and hides their email.

Identity check and limits by tier

BVN and home address, reviewed by a person. Daily limits of 50,000, 200,000 or 5,000,000 naira depend on your tier.

For
Personal
Example
A verified user moves up a tier to pay rent in one transfer.

Signed-in devices and new-login alerts

See every signed-in device and sign out one or all. A new device is held to a 24-hour rule before it is fully trusted.

For
Everyone
Example
Tunde gets an alert for a sign-in he did not make and signs that phone out.

Freeze your account

Sign out every device and stop sign-ins and payments in seconds. Money sent to you still arrives.

For
Everyone
Example
Kemi loses her phone on a bus and freezes her account from a friend's phone.

PIN reset after a freeze

A clear path to set a new PIN after a freeze or a password reset. One-time codes are never stored for retries.

For
Everyone
Example
After unfreezing, Kemi sets a new PIN on her new phone.

Delete your account in the app

Request deletion with your PIN and see anything that blocks it. Requests are completed within 7 days of verification.

For
Everyone
Example
A user closing their account sees they must move their last 2,000 naira first.

See zillipay in action

Send money, approve payouts and run payroll with example people and amounts.

Open the demos Contact us