Insight before every payment

Send money to people
you don't know yet.

Before you send or receive a payment, Paythic shows you who you're really dealing with — a verified trust score and history, not just a name.

Join the waitlist See how it works

Currently onboarding early users across Nigeria.

Coming soon onApp Store
Coming soon onGoogle Play
9:41
A
Amara O.
128 transactions · Joined 8 mo ago
Verified
0
Trust score
98% success rate
0 unresolved disputes
Identity — Tier 2 verified
Every Paythic user builds a score like this. You see it before you send — not after.
Built for
Online sellers & buyers Freelancers & clients Marketplace shoppers Splitting bills with people you just met
About Paythic

A Nigerian technology company, built for safer digital commerce.

Paythic develops technology that helps individuals and businesses make informed decisions before engaging in a financial transaction. We surface the insight you need to identify potential risk before you send or receive a payment — turning "who is this?" into an answer, not a guess.

Most payment apps stop at "sent."
We start there — with a record, a reputation, and a way to make it right.
The gap Paythic exists to close
What we do

One platform. Three things it's actually built around.

Paythic isn't trying to be everything — it's built around the problems that make paying someone new feel risky.

Trust & reputation

Every user carries a visible score built from verification, history, and outcomes — not just a name.

Dispute resolution

If a transaction goes wrong, raise it in-app and get a structured, timely review — not a dead end.

Send & request

Send to anyone on Paythic instantly, or request money back — no card required, ever.

Also on Paythic: pay for cable TV, electricity, airtime, and data straight from your wallet balance.
How it works

Four steps, in order — because trust is earned in sequence.

Verify → transact → resolve if needed → the outcome becomes part of your reputation, and informs the next person's decision.

01

Verify your identity

A quick identity check unlocks transfers and sets your starting limits. Higher tiers unlock higher limits as you go.

02

Fund your wallet

Transfer into your dedicated virtual account — issued through our licensed banking partner — and your Paythic balance updates once the transfer is confirmed. No card, no waiting.

03

Send, request, or get paid

See the other person's trust score before you commit, then send instantly to any other Paythic user.

04

Rate it — or raise it

Leave a rating that feeds the next person's decision, or open a dispute if something didn't go as agreed.

Trust & reputation

A score you earn, not one you're given.

Your Paythic trust score is a live composite — it moves as you transact, not a fixed badge you buy once.

  • Identity verification tier — how much of you Paythic has confirmed.
  • Success rate — completed transactions versus failed or cancelled ones.
  • Dispute record — how transactions involving you were ultimately resolved.
  • Account tenure — how long you've been transacting on Paythic.

A trust score is evidence to help you decide — not a guarantee. Use it alongside your own judgment, the same way you'd read reviews before buying from someone new.

Identity verificationTier 2
Success rate98%
Dispute recordClean
Account tenure8 months
Like what you see? Early access is opening in small batches. Join the waitlist
Trust & safety, not banking

We're a technology layer, not a bank.

Paythic doesn't accept deposits or hold customer funds as a financial institution. What we do is verify who you're dealing with and watch for risk — built to work alongside licensed financial institutions, not in place of them.

Verified identity, always

No transfer happens without identity verification appropriate to its size — protecting both sides of every transaction.

Insight before you commit

Trust score, success rate, and dispute history are shown up front — so the decision to send is an informed one, not a leap of faith.

Monitored, every transaction

Automated screening runs on every transfer, not just at sign-up — so risk gets caught while it's still small.

FAQ

Questions people actually ask us

No. Paythic is not a bank or financial institution — we don't accept deposits, hold customer funds, issue banking products, or provide investment services. We build technology that gives you insight into who you're transacting with, and that works alongside licensed financial institutions rather than replacing them.

You can raise a dispute directly from the transaction. It goes to review, both sides can respond, and outcomes feed back into each user's trust score — so patterns of bad behavior become visible over time, not hidden.

It's a live composite of your identity verification tier, your success rate on past transactions, your dispute history, and how long you've been active on Paythic. It updates as you transact — it isn't a one-time badge.

Each account comes with a dedicated virtual account number, issued and held through our licensed banking partner — not by Paythic directly. Transfer to it from any Nigerian bank or wallet app, and once the transfer is confirmed, your Paythic balance updates to reflect it.

Every account starts at Tier 1 with a basic per-transfer and daily limit. Completing additional identity verification unlocks higher tiers with higher limits — you can see your current tier and limits from your profile at any time.

No. You fund your wallet by transferring into your dedicated virtual account, and withdraw straight to your bank account whenever you like — no card involved at any step.

We're onboarding early users in small batches right now. Join the waitlist and we'll let you know the moment a spot opens up.

Our story

We're building the part payments always skipped.

Most payment platforms treat a transaction as finished the moment the money is sent. We believe that's where trust should actually begin. Paythic brings identity verification, reputation, transaction history, and dispute resolution into the transaction itself — giving people more confidence before, during, and after they exchange money with someone new.

NigeriaBuilt here, for here
0%Card fees — fund by bank transfer
24/7Automated transaction screening
1Score that follows you everywhere on Paythic
Contact

Get in touch

Email

hello@paythic.com

Support

Mon–Fri, 9am–6pm WAT

Trust & safety

Report a concern anytime from your transaction history.

Follow along

Early access

Be transacting with proof, not just promises.

We onboard in small batches — you'll hear from us directly the moment a spot opens up.

Learn how it works