Reimagining Payments in Nigeria
Experience true comfort and speed with Zoto. Pay bills, get airtime, buy movie tickets and more with Nigeria's fastest growing payment solution.
Forget bank OTPs,
Pay with Zoto Wallet
No need for debit cards and cash. With Zoto, Your mobile becomes your wallet. Just add money once and make multiple payments in less than 10 seconds.
Learn More About Zoto Wallet »Pay all your bills from your
Mobile with Zoto
Zoto makes it faster and easier to pay for bills all from from your mobile phone. Pay for over 50 merchants on the Zoto app.
See All Available Billers »Airtime & data for
All local mobile networks
Top-up your mobile with airtime and data in a matter of seconds with the Zoto app. Repeat frequent recharges in one click and get discounts and cashbacks.
Get the Zoto Experience
Join over one million users on one of Nigeria's highest rated apps on the Google Playstore. Use Zoto on Android, iOS or Mobile Web
The Zoto User Community
The Zoto Culture
We all work with a few unspoken rules at Zoto.
Work hard. Play hard. And always keep the customer in mind. It's driven us this far, and it'll keep us going for a long time
Would you like to meet the awesome guys powering your favourite payment app? Check out this blog post to meet the team.