Paylo
Shop Smarter. Checkout Faster
Only for iPhone
Free · Designed for iPhone. Not verified for macOS.
Shop from verified merchants across Nigeria, and pay knowing your money is protected until your order arrives.
SHOP WITH CONFIDENCE
All app orders are escrow-protected. Your money is held until you confirm you got what you ordered, then it's released to the seller. Buying from someone new doesn't need to be a risk.
BUILD A WISHLIST PEOPLE CAN ACTUALLY HELP WITH
Save anything you want, share the list, and let friends and family contribute toward it instead of guessing what to get you. Once it's covered, mark it acquired and everyone who chipped in finds out.
FIND EVERYTHING IN ONE APP
Groceries, fashion, beauty, home goods, local artisan goods, professional services, and hard-to-find imports, all from merchants who've been verified before they can sell.
GET ANSWERS INSTANTLY
Chat with a store's assistant for real prices and stock any time, and switch to the merchant themselves whenever you want.
more New
- Get first in line for big drops: When something worth waiting for is coming to Paylo, you can now join the waitlist right inside the app, pick the exact spec and colour you want, and get notified the moment it lands. Signed in, it's one tap. Not signed in, just drop your number.
Improved
- Pictures load faster and browsing stays smooth, even deep into a long scroll.
1.10.0 Oct 16
New
- Book with the person you want: When a store has more than one person offering a service, you can now pick who you'd like and see only the times they're actually free. No preference? You'll still see every open slot.
Improved
- Share a link into Paylo and you see the post you're saving, picture and all, so you know the right thing landed.
1.9.7 Oct 5
New
- One photo, several products? When you add photos to a wishlist, Paylo now spots a flat-lay or haul shot and offers to save each product as its own item, names and prices filled in. You can also duplicate any photo while reviewing, so splitting by hand is one tap.
- Add your phone number at checkout and your delivery updates and receipts follow you. One field, totally optional, and shops you already buy from can recognize you as their customer.
Improved
- Sharing into Paylo is now dependable. Share a link or photos from TikTok, Instagram, Facebook, Snapchat, X or your gallery and your find can no longer get lost: if you're signed out, offline, or something interrupts, it waits safely and finishes the moment you open Paylo. You can sign in right on the share screen and carry on, and if you don't have a wishlist yet, your first one is a single tap away.
- Share the same post a friend already shared and you'll get every product in it, not just the main one. Share several photos at once and each one saves as its own item, while photos of the same product from different angles still combine neatly.
- Instagram links you share start filling themselves in automatically within minutes.
- Add your delivery address right at checkout. First order or a new address for this one, the form opens where you are; no more detour through Settings before you can pay.
- Your location now sticks. Grant it once and your local shopping experience is there every time you open the app. If location is off, the Paylo button on Discover and a new Location entry in Settings show the way to turn it on. Shopping from Abuja now works properly too.
- After some orders you may see one quick question about how you found the shop. One tap, completely optional, and it helps us make finding great shops better for everyone.
Fixed
- Making a new wishlist straight from the share screen now works every time. Type the name, tap Create, and it's ready to save into, even when you haven't opened Paylo in a while.
- Small visual cleanups: curated category images on Discover, store pages keeping their margins with wide banners, and promotions sitting in their proper place below the featured store.
1.9.5 Oct 3
New
- Product pages now tell the whole story: swipe through every photo, see the delivery fee and payment protection before you decide, and keep browsing with a "More from this store" shelf right on the page.
- Add to cart shows your full total as you change the quantity: set it to 4 and see the real amount before you commit, not after.
- Stores can now make signed promises — "Delivers today", "Genuine products", "Replies fast" — and they appear as green badges on the store page, so you know what a seller has actually committed to.
- Message a store straight from any product or store page. Chatting in the app keeps your order and your money protected.
Improved
- Store pages put the seller's own branding first: banners display exactly as designed, with the store's name, location, and opening hours gathered neatly beneath.
- Opening hours are smarter — when a store is closing within the hour you'll see "Closes in 40 min", so same-day orders make it in time.
- Store ratings appear once there are enough reviews to be meaningful, so a single early review can't make or break a store.
- Product photos display edge to edge everywhere: no more black bars around merchant photos.
1.9.0 Sep 18
New
- Shopping near you just got smarter. Paylo now detects your area automatically, so nearby stores and local picks match where you actually are. Nothing to type, nothing to set up.
- Pay right inside your chats: When a store sends you a cart in Messages, it appears as a tidy order you can open, review, and pay for without ever leaving the conversation. Your money stays protected by Paylo the whole way, just like any other order.
- Can't find it on Paylo? Ask The Plug: When a search comes up empty in areas where sourcing is live, one tap sends your request to our sourcing partners. They hunt it down and send you quotes. Pick the one you like, pay in the app, and track it like any other order.
- Invite a store, get paid for a year: When someone you invite opens a store on Paylo, you earn 40% of everything their store pays Paylo for a whole year, on top of your welcome bonus. Watch it add up on your earnings screen.
- No more waiting on silent sellers: If a store does not accept your paid order within 6 daytime hours, the order cancels itself and your money comes back instantly as Paylo credits. You will never be left hanging.
- Buy it all again from a paper receipt: Scan the QR on a printed store receipt and your past order lands straight in your cart, quantities matched and sold-out items set aside, so all that's left is to pay.
- Discover comes alive. Where the new local experience is on, your feed now refreshes itself every week with fresh arrivals, real deals, finds under budget, free delivery picks and the newest shops near you.
Improved
- Order numbers you can actually read: Tracking, the lock screen, your orders and emails now all show the same short 8-character order number instead of a long code.
- Delivery promises stay honest: Once a store's daily dispatch window has passed, we stop suggesting your order could still arrive today.
Fixed
- Checking out without a saved card now works the way it should. You pay on Paystack's secure page with your card, a bank transfer, or USSD. No card details to type into the app first.
- Cards you pay with are saved automatically for one-tap checkout next time. Remove any saved card in Settings whenever you like.
- Store pages no longer stretch sideways when a store uploads a very wide banner image.
- Carts scanned from a paper receipt now expire after 24 hours and can only be imported once, so stale carts never reappear.
1.8.0 Sep 12
New
- Reviews, reimagined. Rate what you bought right from the order, one item at a time. Tap the stars and you're done. Add a photo or a note if you feel like it, or just leave the rating. Everything you review lives on the order and in a tidied-up page, ready to edit any time.
- Confirm you got your order with a press and hold. A quick hold releases payment to the seller, so there's no accidental tap.
Improved
- The Review list is simpler and quicker. Items are grouped by store, each with its picture, and rating one settles it neatly in place instead of jumping the list around.
- Editing a review is now one calm screen: big stars, a single optional note, and photo tiles. No more stack of form fields, and you can remove a review you no longer want.
- Ratings & Reviews and the Home screen load noticeably faster.
Fixed
- Fixed a case where a review you just left could take a moment to appear.
1.6.2 Aug 10
New
- Add anything to your wishlist by name. If a seller on Paylo has it, add it in a tap, with its store and price. If not, add it anyway and we tidy up the name and fill in a picture, price, and description for you, so your wishlist always looks complete.
Improved
- Items added by name now appear in your list straight away with a gentle loading state while we fill them in, so nothing looks like it needs a second tap.
1.6.1 Aug 6
New
- Wishlist anything, from anywhere. See something you want on Instagram, TikTok, Temu, or any app? Share the link straight to Paylo and pick a wishlist. We save it instantly and turn it into a proper item with a photo and a price.
- Share photos into Paylo too. Send multiple images at once from your camera roll or any app, and each one becomes its own wishlist item, named and priced for you.
- Add items by photo inside the app. Pick photos of what you want and Paylo works out what each one is, suggests a price, and notices when two photos are the same thing so you can combine them. You review everything before it saves.
- Create a list without leaving your current app. No wishlist yet? Name one on the spot and save straight into it.
1.6.0 Aug 5
Improved
- Sending a cash gift is smoother: the slider now reaches ₦1,000,000 and moves in clean ₦5,000 steps, so landing on the amount you have in mind takes an easy flick.
- Your referral list is easier to read: a small storefront icon now marks friends who went on to open their own store, so long names no longer get squeezed.
Fixed
- Typing a custom cash gift amount no longer leaves the keyboard stuck on screen. A done button now sits right above it.
- Confirming delivery now works on older orders too, including ones where the payment had already been released to the store after the protection window ended.
1.5.5 Aug 4
New
- Curious about a store you're chatting with? Tap its name at the top of the conversation to browse their storefront without leaving the chat.
- See a wishlist gift up close before you give it: tap any item on a shared wishlist to flip through all its photos, read the story behind it, and add it to your gift basket from right there.
Improved
- Change a wishlist item's photos anytime: add new shots or remove old ones right from the item's details, no need to delete and re-add the item.
- Shared wishlists now introduce their owner by first name and @username, keeping full names off the public page.
Fixed
- Opening a wishlist that's been set to private or removed now tells you exactly that, instead of an error asking you to check your connection.
- Wishlist items with wide photos now sit neatly in their grid square instead of stretching out of place.
1.5.4 Aug 3
New
- Invited by a friend but didn't use their link? Enter their referral code straight from your account so they still get the credit.
- Earn more from every invite. When a friend you invited makes their first purchase, ₦500 in Paylo Credits is yours, and if they go on to open their own store, that's another ₦1,000.
Improved
- Your referral earnings, at a glance. A refreshed earnings screen shows everyone you've invited, who's qualified, and exactly what you've earned, split by invite link and shared wishlist.
- Paylo now remembers how you sign in. The "Last used" tag stays with you even after reinstalling or switching to a new device, so you never have to guess which method you chose.
Fixed
- Messages from a store now appear the moment they're sent, and the active orders shown at the top of a chat stay accurate as they move from paid to on-its-way.
1.5.3 Aug 1
New
- Never miss a reply from support: the moment our team responds to your ticket, you'll know, with a notification on your phone and a copy in your inbox. Open the conversation and it's already up to date, replies you haven't read are flagged, and tickets you're done with tuck neatly out of the way.
- Your saved items are now "Wishlists": same place, clearer name with a "New Collection" button right where your lists live, so starting a fresh collection for gifts, ideas, or must-haves takes a single tap.
1.5.2 Jul 28
New
- Follow your order as it happens: the moment you buy, a live status card appears on your Lock Screen and in the Dynamic Island, moving from paid to on-its-way to delivered as your order progresses. Long-press the Dynamic Island for the full picture, including tracking details once your order ships.
- Close the loop in a tap: when your order arrives, confirm you've received it right from the Lock Screen or Dynamic Island without digging through the app.
Improved
- Extra peace of mind while you wait: orders held safely by Paylo now show a clear "payment protected" note as they move along, so you always know your money is looked after until you confirm everything's arrived.
Fixed
- Tapping a shared wishlist link before installing Paylo now shows a friendly welcome with the link ready to copy, instead of a store-not-found error.
1.5.0 Jul 22
New
- Referral rewards are live! When a friend you invited completes their first order, your reward lands in your Paylo Credits automatically. Watch for it in your credits history.
- See how many people have viewed your public wishlists — a "Seen by" count now appears on your collections.
Improved
- Sharing a wishlist is now one tap: the Share button opens a single card with your wishlist's QR code ready to scan, plus share and copy-link buttons with a friendly message pre-written for you. Hand your phone across the table or send the link; both are right there.
- Wishlist share links open your friend's wishlist directly in the app.
Fixed
- Refunds to Paylo Credits now arrive reliably, and your order's refund status always reflects exactly what happened.
- Wishlist gifts sent with your name attached reach the recipient's Paylo Credits instantly.
- Items in your cart are held for you while you check out, so popular products can't sell out mid-purchase.
1.4.4 Jul 14
New
- Message a store straight from any product or service page: chat opens right inside Paylo with the item and price already typed for you. It works even when something is out of stock, so you can ask about a restock.
- Watch your invites add up: the invite sheet now leads with your personal code, one-tap copy, and a QR button in a single row, with referred and qualified counters appearing once your first friend joins. Your running total also shows on the Invite Friends card.
Fixed
- Invite QR codes now display the Paylo logo cleanly in the centre.
- The invite sheet no longer opens blank the first time you tap Invite Friends.
- Scanning a friend's invite QR code without the app installed now shows a proper welcome screen with a one-tap install, and the invite still counts when you sign up in the full app.
1.4.2 Jul 11
New
- Invite Friends is here: grab your personal invite link from the Invite tab and share it, copy it, or let friends scan your QR code. Everyone who joins through your link counts as your invite, and rewards are on the way.
- Your invite sticks: friends who tap your link get counted even if they sign up days later, whether they join with email, Apple, or Google, or first try Paylo through an App Clip and install the full app afterwards.
- Share a wishlist in person: a new QR button on your public collections creates a scannable code that's perfect for stories, flyers, or handing your phone to a friend.
Improved
- Signing in is easier: your saved Paylo password can now be filled in automatically from iCloud Keychain.
1.4.0 Jul 10
Improved
- Signing in with Apple is now faster and happens right inside the app. With a quick Face ID or Touch ID confirmation, you're in and shopping in seconds.
1.3.12 Jul 5
Minor improvements and bug fixes
1.3.11 Jun 21
Minor improvements and bug fixes
1.3.9 Jun 14
New
- Saving an item to a wish-list is now a single tap from the item detail page so you never lose track of something you like.
Improved
- Store pages now display whether a business is open or closed, with the exact time they close or reopen.
- Under-the-hood improvements to how the app records browsing activity, so merchants get more complete and accurate insights about who is visiting their stores.
1.3.8 Jun 4
Improved
- Store pages now show the seller's location (area and state) and rating right below their description, so you can size up a store at a glance before you start browsing
- Selecting a product variant — size, colour, material, and more — is now visually clearer, with an orange highlight and a smooth animation when you switch between options
- Store descriptions that run long now offer a subtle "more" link; short descriptions show in full without a redundant prompt
- The discovery feed no longer leaves gaps when a section has no services. Scroll through products continuously without interruption
- Product detail sheets now show the item name and price in a clean stacked layout, with a more polished loading state while variant options are fetched
1.3.7 Jun 3
Improved
- Crypto payment address loading is now instant for returning customers — no waiting for an address to be generated on each checkout.
- When crypto payment processing is temporarily unavailable, you now see a clear message letting you know to try again, instead of a confusing error screen.
- Other Minor Improvements and Bug Fixes
1.3.5 Jun 1
New
- Gift to a friend's wishlist using crypto: choose from USDT or USDC across multiple networks (Tron, BSC, Solana, Ethereum, Base, Polygon). Funds are converted and credited to the recipient's Paylo account automatically once the transfer is confirmed.
- Pay for goods and services with crypto at checkout: complete purchases using USDT or USDC on supported networks, with smooth in-app confirmation from payment to order success.
Improved
- Saved payment cards now display your bank name front and centre, with the card number and expiry shown in a cleaner card-face layout. Loading skeletons animate in sequence instead of all at once.
- Adding a new card skips the extra information screen and takes you straight to the secure card entry form.
1.3.4 May 21
Improved
- Saving items to collections is now faster — your collections appear instantly from cache instead of loading fresh every time.
- Tapping a collection now registers reliably, even with a quick tap.
- The "Save to collection" sheet has a cleaner, more polished layout — collections are displayed as distinct cards with a coloured fallback tile when no cover image is set.
Fixed
- Confirm delivery now works for orders purchased without buyer protection
- Order total breakdown correctly includes the delivery fee in shipping line
1.3.3 May 7
Fixed
- Confirm delivery now works for orders purchased without buyer protection
- Order total breakdown correctly includes the delivery fee in shipping line
Improved
- Pickup orders now show a "Ready to collect?" banner when the seller marks your order ready — tap to confirm you've collected it.
1.3.2 May 4
New
- Get first in line for big drops: When something worth waiting for is coming to Paylo, you can now join the waitlist right inside the app, pick the exact spec and colour you want, and get notified the moment it lands. Signed in, it's one tap. Not signed in, just drop your number.
Improved
- Pictures load faster and browsing stays smooth, even deep into a long scroll.
more Version 1.10.0 Oct 16
Data Linked to You The following data may be collected and linked to your identity:
Purchases Financial Info Contact Info User Content Search History Identifiers Data Not Linked to You The following data may be collected but it is not linked to your identity: