Wahya Pay | Pay Your Way

Wahya Core

About this app

Take control of your money. On your terms.
Wahya is the smarter way to pay in installments, save with your community, and protect big purchases — all completely interest-free. Whether you're splitting a payment with a vendor, building community savings with your circle, or securing a high-value deal with escrow, Wahya has a plan for you.
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PAY IN INSTALLMENTS — ZERO INTEREST
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Stop paying everything upfront. Wahya lets you split payments with any verified vendor on a flexible payment plan that works for both of you. Set your installment schedule, get payment reminders, and track every naira in real time — without a bank loan, a credit check, or a single kobo of interest.
Buy now, pay later — the way it was always meant to work in Nigeria. No hidden charges. No riba. Just a fair, structured plan between you and your vendor.
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AJO, ESUSU & COOPERATIVE SAVINGS — YOUR COMMUNITY, DIGITIZED
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The rotating savings group has always been at the heart of how Nigerians build wealth together. Wahya brings Ajo, Esusu, Adashi, and every form of thrift cooperative into a single, transparent platform — organized, fair, and fully digital.
Create or join a cooperative savings group, set contribution schedules, and track every member's payments with complete visibility. No spreadsheets. No missing funds. No awkward follow-up messages on WhatsApp.
Whether your group calls it Ajo, Esusu, Adashi, or simply a thrift — Wahya keeps your community savings running smoothly, on time, and without dispute.
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ESCROW-BASED FINANCING — PROTECTED TRANSACTIONS
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For high-value transactions that need trust on both sides, Wahya holds funds securely in escrow until every agreed condition is met. Your money is only released when both parties confirm — giving buyers and sellers equal protection.
Perfect for property payment tracking, real estate installment plans, rent agreements, and any deal where security matters. See what's been paid, what's pending, and what comes next — all in one place.
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🎯 SAVE MONEY — WITH A GOAL OR WITHOUT ONE
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Set a savings goal — a trip, school fees, a new device, a business target — and track your progress. Or save freely with no target at all. Wahya gives you a dedicated space to grow your money at your own pace, with no pressure and no interest working against you.
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WHO IS WAHYA FOR?
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Buyers & individuals — manage installment payments and personal savings in one app
Sellers & businesses — offer flexible payment plans to customers after verification
Communities & groups — run Ajo, Esusu, and Adashi cooperatives with full transparency
Real estate buyers — track and manage property payments with escrow-backed security

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WHY WAHYA?
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✅ 100% interest-free — always, across every feature
✅ Pay any verified vendor in installments
✅ Ajo, Esusu & Adashi cooperative savings built in
✅ Escrow protection for high-value transactions
✅ Save with or without a goal
✅ Real-time tracking for every payment and contribution
✅ Murabaha-compliant — no riba, no hidden charges
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Your money should work for you; not against you. Download Wahya today and start paying, saving, and transacting the way it was always meant to be simply, flexibly, and completely free of interest.

What’s new

Performance Optimizations and Bug fixes