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Fast. Secure. Kool.

Every bill,
paid in one Kool app.

Fund your wallet in seconds, top up airtime & data on every network, and pay electricity, cable TV, internet and exam PINs, all from one beautifully simple app.

Get the app See what you can do
Launching soon on Android and iOS.
MTN · Airtel · Glo · 9mobile · DStv · GOtv · StarTimes · every DisCo
✓ Airtime sent
⚡ Token delivered
📺 DStv renewed

Trusted & secure

NDPA 2023 compliant Encrypted end to end Licensed payment partners Instant delivery 24/7 fraud monitoring
15+
Bills & services in one place
<30s
Average time to pay or top up
24/7
Automated delivery & support
100%
Of payments protected by your PIN
Everyday payments

One app. Every bill sorted.

Stop juggling five different apps. KoolPay brings airtime, data, all your bills and online dollar spending together in one wallet. Fast, automated and refreshingly simple.

A wallet that funds itself

Once you verify your identity, you get a virtual account number provided by our licensed banking partner. Transfers from any Nigerian bank reflect instantly, and every kobo is tracked by a real-time double-entry ledger, so your balance is always exactly right.

Instant fundingVirtual accountLive balance

Airtime & data, instantly

Top up MTN, Airtel, Glo and 9mobile in one tap, at some of the best data prices in Nigeria. Set auto-recharge once and never run out again.

All networksCheap dataAuto-recharge

Pay every bill

Electricity, DStv, GOtv, StarTimes, betting wallets, JAMB, WAEC, NECO and internet, settled in seconds with instant tokens and PINs.

Set it and forget it

Schedule daily, weekly or monthly airtime and data top-ups for yourself or family, and never run out at the wrong moment.

Spend in dollars

Create a USD virtual card with our licensed card partner and pay Netflix, ads, SaaS and global merchants online. Freeze, unfreeze and top up anytime.

Get started

Up and running in three steps

No paperwork queues. No branch visits. Download, verify, and start paying smarter today.

Create your account

Sign up with your phone number in under a minute and secure it with a transaction PIN and biometrics.

Verify & fund

Confirm your identity with your NIN or BVN, then fund your wallet instantly from any Nigerian bank.

Pay anything, anywhere

Buy airtime and data, pay electricity and TV, get exam PINs or fund a dollar card in a few taps.

Security first

Serious security.
Simple to use.

Your money and data are protected by layered controls at every step.

  • End-to-end encryption

    Your PIN and sensitive data are encrypted and never stored in plain text anywhere.

  • PIN, biometrics & trusted devices

    Every payment is gated by your transaction PIN and Face/fingerprint unlock.

  • Real-time reconciliation

    An automated double-entry ledger checks every balance around the clock to keep funds safe.

Peace of mind

Your trust is the
whole point.

KoolPay is operated by Oro Technologies Ltd and works exclusively with licensed banking, card and payment partners. We are NDPA-compliant and apply strict KYC and anti-money-laundering controls, so you can pay with total confidence.

  • Tiered KYC verification with NIN, BVN & liveness checks
  • Wallet funds held with our licensed banking partner
  • 24/7 fraud monitoring & anomaly detection
  • Data protected under the Nigeria Data Protection Act (NDPA) 2023
Good to know

Frequently asked questions

What is KoolPay?
KoolPay is a payments app by Oro Technologies Ltd. With one account you can fund a wallet, buy airtime and data for every network, pay electricity, cable TV, internet and exam PINs, and spend online with a USD virtual card, all in one place.
Is KoolPay safe to use?
Yes. We use encryption, transaction PINs, biometric authentication and 24/7 fraud monitoring. Wallet funds are held with our licensed banking partner, and your data is processed in line with the Nigeria Data Protection Act (NDPA) 2023.
How do I fund my wallet?
Once you have verified your identity, you get a virtual account number provided by our licensed banking partner. Simply transfer from any Nigerian bank and your wallet is credited instantly.
Do I need to verify my identity?
Yes. To fund your wallet and unlock higher limits, you'll complete a quick KYC step using your NIN or BVN. USD cards and higher tiers also need a fast selfie liveness check.
Which bills can I pay?
Airtime and data on MTN, Airtel, Glo and 9mobile; prepaid and postpaid electricity for every DisCo; DStv, GOtv and StarTimes; internet subscriptions; and JAMB, WAEC and NECO PINs. Tokens and PINs are delivered instantly and saved to your history.
Is KoolPay available now?
KoolPay is rolling out on Android and iOS. Tap “Get the app” to download or join the early-access list, and we'll let you know the moment it's live in your store.

Ready to go Kool?

Airtime, data, power, TV and online dollar spending, sorted in seconds with every receipt kept. Get KoolPay and make everyday payments effortless.

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