Experience payments like never before
With easy to use Android, iOS and web apps from Zoto
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 »
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.
The Zoto User Community
“I was able to get my PHCN token in less than 2mins! I'm super excited that Zoto delivered just when I needed it the most. God bless you.”
Simeon MartinsPlaystore Review
“I had an issue with my card, I emailed Zoto about it, couldn't believe they called me to help rectify the issue. They're so customer friendly.”
Olarewaju OdunayoFacebook Review
“It's very fast and efficient almost without any error in transactions... Very reliable than even internet banking services!”
Adebayo SegunPlaystore Review
“These guys are amazing! The new app is a huge improvement. Good performance on poor connectivity in Nigeria is the future #ProudUser”
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.