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

  • “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 Martins
    Playstore 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 Odunayo
    Facebook Review
  • “It's very fast and efficient almost without any error in transactions... Very reliable than even internet banking services!”
    Adebayo Segun
    Playstore Review
  • “These guys are amazing! The new app is a huge improvement. Good performance on poor connectivity in Nigeria is the future #ProudUser”
    Twitter Review

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.