Payments & collections

Stop chasing payments. Start collecting money the smart way.

Your dedicated virtual business account, unlimited payment links, and automatic recording — all in one place. Share on WhatsApp and collect ₦ while you sleep.

No percentage cut on your collections Account ready in under 5 minutes
Recent collections
Dangote Supply Ltd
Bank transfer · 09:41am
+₦1,250,000
Checkout link · INV-0041
Payment link · 2 mins ago
+₦480,000
Adeyemi Holdings
Bank transfer · 11:22am
+₦89,500
Monthly retainer link
Recurring · Auto-collected
+₦215,000
₦2,034,500 collected today ↑
★ Powered by Paystack#9733; Used by businesses across Nigeria 1,000+ Nigerian businesses ₦5B+ processed No % cut on collections
Virtual bank account

Your own account number — dedicated to your business.

You know how it goes — client sends ₦500k to your personal GTB account, you have to manually check, record it somewhere, and hope you don't mix it up with your rent money. That ends today.

Paycape gives every business a dedicated virtual bank account number. Your account number is yours — share it on your invoices, WhatsApp, your website. Every transfer in is automatically recorded, matched to invoices, and visible on your dashboard in seconds.

Dedicated Nigerian business account number
Every inflow recorded automatically via webhook
Auto-matched to open invoices
Instant email + in-app notification on every payment
Separate from your personal account — finally
Get your account number free
Your Paycape virtual account
0123 456 789
Adeyemi Fabrics Ltd — Business account
Balance tracked ₦12,480,000
Unmatched payments 0 — all matched
This month collections +₦48,320,000
Your active payment links
Consulting retainer — ₦250,000
Unlimited uses · 12 paid this month
Logo design package — ₦180,000
One-time · 3 pending
Monthly newsletter subscription — ₦5,000
Recurring · 47 active subscribers
Product bundle (3 items) — custom
Order link · ₦89,500 avg order
Payment links

Paste a link in your WhatsApp status. Collect money in your sleep.

Whether you're a Lagos photographer, an Abuja consultant, or a Port Harcourt trader — you should be able to collect money from anywhere without installing payment terminals or begging clients to "send an alert."

Create a payment link in 30 seconds. Share it on WhatsApp, Instagram DM, email, or your website. Your customers pay with card or bank transfer. Money lands in your Paycape account automatically.

One-time
Single payment for a job, service, or invoice
Product
Fixed price checkout with quantity selector
Recurring
Retainers, memberships, and subscriptions
Order
Multi-item bundle checkout
Create your first link free
How it works

From "how do I pay you?" to ₦ in your account — 3 steps

01

Create your account

Sign up free. Your virtual business account number is set up automatically — no bank visits, no paperwork.

02

Share your link or account number

Copy your payment link and paste in WhatsApp. Or put your account number on your invoice. Either works.

03

Money lands, dashboard updates

Client pays. Webhook fires. Payment recorded in Paycape within seconds — matched to the right invoice automatically.

Who uses Paycape payments

From Alaba traders to Lekki agencies — Paycape collects money for you

01

Traders & retailers

No more "abeg, send alert." Put your Paycape account on your price list. Customers pay direct, it records automatically.

02

Consultants & freelancers

Send a professional payment link instead of "my account number is...". Track every payment against every project.

03

Service businesses

Collect deposits, balance payments, and recurring retainers — all from one dashboard.

04

E-commerce & products

Create product links with quantity, description, and custom amounts. Share on Instagram, sell without a website.

"Before Paycape, I was collecting money into my personal account and manually writing everything in a notebook. Now clients pay via my payment link, the money lands, and Paycape records it automatically. My accountant nearly cried when I showed him."

OA
Oluwaseun Adeyemi
Founder, Adeyemi Fabrics Ltd · Lagos

"I share my payment link in my WhatsApp status every week. My customers pay without calling me to ask for account details. Collections are up 40% since I started using Paycape — and I spend zero time chasing money."

NK
Ngozi Kalu
CEO, NK Events & Catering · Enugu
FAQs

Questions about Paycape payments

The questions we get asked most by Nigerian business owners before they sign up.

How does the Paycape virtual bank account work?
When you create your Paycape workspace, we automatically set up a dedicated virtual bank account for your business. You get a real Nigerian bank account number that clients can transfer money to directly. Every transfer is recorded automatically in your Paycape dashboard within seconds via Paystack webhook — no manual entry, no spreadsheets.
Does Paycape take a percentage of my collections?
No — Paycape charges a flat monthly subscription fee and never takes a percentage of your collections. We believe your revenue is yours. Standard card processing fees may apply on card payments through payment links, but bank transfers to your virtual account carry no extra charges from Paycape.
Can my customers pay by bank transfer AND card?
Yes. Your virtual account number accepts direct bank transfers from any Nigerian bank. Your payment links support both card payments (via the checkout page) and bank transfers. Most Nigerian clients prefer bank transfer — your virtual account makes that seamless.
How quickly does money reflect after a client pays?
Instant. When a client transfers to your virtual account, Paystack sends a webhook to Paycape and your dashboard updates within seconds. You get an email notification and the payment is immediately recorded against the relevant invoice.
What's the difference between the 4 types of payment links?
One-time links are for a single payment (a job, a project). Product links are for fixed-price goods with a branded checkout. Recurring links auto-charge clients on a schedule (retainers, subscriptions). Order links let clients select multiple items and quantities — perfect for product bundles and catalogs.
Is my virtual account a real bank account?
It's a real Nigerian account number powered by a Paystack partner bank (Titan Trust Bank or similar). Clients can transfer from any Nigerian bank — GTB, Access, UBA, First Bank, Zenith, OPay, Kuda — everything works. The account is specifically for business collections and is separate from your personal accounts.

Start collecting money the right way — today.

Create your free Paycape workspace. Your virtual account is ready in under 5 minutes. No paperwork, no bank visits, no monthly fee to start.

Create free account View pricing