Ready to Spend Anywhere?
One Card.
Every Way You
Pay.
One Card. Every Way You Pay.
No paperwork, no waiting. Get your ZojaPay Card and spend anywhere Verve is accepted online, POS, or ATM.
No paperwork, no waiting. Get your ZojaPay Card and spend anywhere
Verve is accepted online, POS, or ATM.
- CBN Licensed
- NDIC Insured
- Providus Bank Partner
- Verve Network
- 4.8★ Rated App
- Instant Approval
- CBN Licensed
- NDIC Insured
- Providus Bank Partner
- Verve Network
- 4.8★ Rated App
- Instant Approval
- CBN Licensed
- NDIC Insured
- Providus Bank Partner
- Verve Network
- 4.8★ Rated App
- Instant Approval
WITH YOUR ZOJAPAY CARD
One Card. Endless possibilities
Accepted at 40,000+ merchants. POS, ATM, online, and abroad.
Accepted at 40,000+ merchants. Works everywhere Verve is
accepted — POS, ATM, online, and abroad.
Bank Grade Security
Every ZojaPay Card is protected by end-to-end encryption and instant freeze controls.
PCI-DSS
CBN REGULATED
WITH YOUR ZOJAPAY CARD
Choose Your Card
Quiet white or Bold black same trusted card
nderneath. Pick the one that fits how you carry yourself.
Classic Card
- Instant Access
- Use immediately after pin change
- Easy Access and Use
- From withdrawals to online checkouts at over 40,000 merchants worldwide.
- Safe and Secure
- CBN Licensed and NDIC Issued
- No Maintenance Fee
- No fee and you can switch to any card design of your choice
Premium Card
- Instant Access
- Use immediately after pin change
- Easy Access and Use
- From withdrawals to online checkouts at over 40,000 merchants worldwide.
- Safe and Secure
- CBN Licensed and NDIC Issued
- No Maintenance Fee
- No fee and you can switch to any card design of your choice
YOUR COMPLETE FINANCIAL TOOLKIT
Beyond Loans. Cards, Transfers, Bills - One App.
One app for everything apply for credit, pay your bills, send money, and spend anywhere with your Zoja card.
Your whole wallet, one tap away.
The Zojapay card works everywhere money moves - swipe at any POS terminal in Nigeria, pay on Amazon, Aliexpress, or any website worldwide, and freeze it in one tap if anything feels wrong.
Works at every POS Terminal in Nigeria.
Verve powered - shop globally.
Charged for your card delivery.
Your Money, Your Way
Secure Payment
Easy Delivery
Easy Control
Instant Transfer
Send money, in seconds
Send money anywhere in Nigeria. Instantly.
Transfer to any bank in Nigeria and it lands in under 10 seconds. Send to ZojaPay users at zero charges, 24/7.
Arrives in under 10 seconds
Any Nigerian bank supported
Free transfers to ZojaPay users
YOUR COMPLETE FINANCIAL TOOLKIT
Apply Under 3 Minutes
No paperwork, no branch visit. Pick your card, verify who you are, and we'll handle the rest.
Which card fits you?
You can upgrade or add another card anytime from the app.
Classic Card
- Instant Access
- Use immediately after pin change
- Easy Access and Use
- From withdrawals to online checkouts at over 40,000 merchants worldwide.
- Safe and Secure
- CBN Licensed and NDIC Issued
- No Maintenance Fee
- No fee and you can switch to any card design of your choice
Premium Card
- Instant Access
- Use immediately after pin change
- Easy Access and Use
- From withdrawals to online checkouts at over 40,000 merchants worldwide.
- Safe and Secure
- CBN Licensed and NDIC Issued
- No Maintenance Fee
- No fee and you can switch to any card design of your choice
CARD QUESTIONS
Questions, Answered
Quick answers to the things people ask before getting their card.
Is money safe with Zojapay?
Yes — ZojaPay is CBN licensed and deposits are insured by NDIC, the same protection as a traditional bank account.
How long does delivery take?
Delivery typically takes 3–5 business days for standard shipping and 1–2 business days for express shipping. Delivery times may vary depending on your location.
Are there any hidden fees?
No hidden fees! Zojapay is completely transparent with pricing. You only pay the standard transaction fees displayed before each transaction—no surprises.
