Built on Nomba · bank-grade HMAC

Every transfer,
on the right invoice.

Give each invoice its own account number. Money reconciles itself the moment it lands — paid, partial, or flagged.

Start free See it live

Sandbox-ready · no card · first invoice in 60 seconds

Your invoiceslive

INV-1042Dangote Cement · 3049420327

₦450,000Awaiting

INV-1043Jumia Nigeria · 9882319033

₦70,000Awaiting

INV-1046MTN Nigeria · 5521190044

₦1,300,000Awaiting

Incoming transfers — tap one to send it

The reconciliation tax

You're paid by transfer. So every evening, you match by hand.

One account, every payer, a flood of look-alike “payment” narrations. PaidUp deletes the guesswork at the source.

Today, without PaidUp

One account. Every payer.

0123456789 · the business account

“Transfer from JOHN G — Pymt for inv 1050”
NIP/—/payment · ₦20,000 — but against which invoice?
A spreadsheet, opened every night, matched by hand.

With PaidUp

One account. Per invoice.

3049420327 · INV-1042 only

The account number is the reference — nothing to type.
Transfer lands → matched instantly → invoice marked Paid.
Partial, overpaid and unmatched — all handled automatically.

The loop

How money finds its invoice.

Four steps, zero human matching. It runs the second funds arrive.

Provision

Create an invoice. PaidUp mints a dedicated Nomba virtual account just for it.

Customer pays

They transfer to that account number from any Nigerian bank — no portal, no login.

Webhook

Nomba fires a signed payment_success the instant funds land.

Reconciled

Matched by account reference, classified paid / partial / over, ledger updated live.

Why PaidUp

Nomba ships the rails.
We ship the ledger.

Virtual accounts and webhooks are powerful primitives — but they leave you to answer “who paid, how much, against what?” That reconciliation layer is the whole product.

Under-paid

Tracks a running balance and keeps the invoice open until it's fully settled.

Over-paid

Flags the surplus and refunds it to the payer in one tap, over the Nomba rails.

Duplicate

Idempotent on transaction id — a retried webhook never double-counts a payment.

Misdirected transfers never get lost

Unmatched money is quarantined for review with a smart suggested match — assign it to the right invoice or bounce it back to the sender. Nothing silently disappears.

Audit-grade export

One-click CSV: the full reconciliation ledger or a per-invoice customer statement.

Every transfer,on the right invoice.