BemPay — Digital Microfinance

Bempay

About this app

BemPay is your all-in-one digital microfinance platform — a secure wallet, instant loans, cooperative savings, and bill payments in one app. Built for Nigerians who want their money to work faster.

💰 DIGITAL WALLET
• Get a personal virtual bank account instantly after BVN verification
• Fund your wallet via bank transfer or card payment
• Send money to other BemPay users by phone number with real-time name confirmation
• Withdraw to any Nigerian bank account
• View full transaction history with downloadable statements (CSV & PDF)

🏦 INSTANT LOANS
• Apply for microloans up to ₦2,000,000
• Transparent interest rates — no hidden charges
• Internal credit scoring based on your account activity
• Flexible repayment plans with clear due dates
• Track all your active and completed loans

👥 COOPERATIVE SAVINGS
• Create or join savings groups with friends, family, or colleagues
• Set contribution amounts and savings cycles
• Track group progress and member contributions
• Withdraw your savings when you need them

📱 BILLS & VTU
• Buy airtime for MTN, Airtel, Glo, 9mobile
• Purchase data bundles at competitive rates
• Pay electricity bills (IKEDC, EKEDC, AEDC, and more) — get your token instantly
• Subscribe to DStv, GOtv, StarTimes
• Internet subscriptions (Smile, Spectranet)
• Education PINs (WAEC, JAMB)
• Insurance payments

🔒 BANK-GRADE SECURITY
• 4-digit transfer PIN for every transaction
• Encrypted token storage on your device
• 3-tier KYC verification (Phone → NIN → BVN)
• 15-minute auto-lock on inactivity
• Secure card payments via Flutterwave (PCI compliant)

📊 SMART FEATURES
• Real-time recipient name verification before transfers
• Account name lookup for bank withdrawals
• In-app AI support chat with human agent escalation
• Transaction receipts with shareable images and PDFs
• Push notifications for all account activity

BemPay is operated by Bright Future Hybrid Solutions, serving communities across Lagos and Ogun State, Nigeria.

Download BemPay today — your money, simplified.

What’s new

Biometric login added — sign in with fingerprint or Face ID. Enable in Profile settings. Transactions can now be authorized with biometric instead of PIN. Session fix — expired sessions redirect to login instead of showing empty balance. Twilio now primary SMS provider for faster OTP delivery. Account lockout after 5 wrong attempts protects your account. Rate limiting on financial operations. Memory and stability improvements.