Every way money goes out, in one account
Send money to any bank, settle bills on schedule, run payroll, issue expense cards and control spend. One balance, one approval flow, one audit trail for every naira that leaves the business.
- Live in under a day
- No setup fee
- Pay per transaction
Free to open · No monthly platform fee · Cancel anytime
Money out
Today
Sent today
₦4,235,500
142 transfersVendor Supply Co.
₦450,000
DoneStaff Payroll
₦1,200,000
SentIkeja Electric
₦85,500
DoneOffice Rent
₦2,500,000
Done₦450,000 to Vendor Supply Co., settled in 2 sec
Paying out is not the hard part
Almost any business can send a transfer. What costs a real day every week is making sure the payment qualified, went to the right person, hit the right budget and left a trail someone can find six months later. Niimbu answers those four questions as a by-product of paying.
Money out in seconds, not hours
Bank transfers, bill payments and payroll disbursements settle through NIP in real time. There is no batch window to wait for and no manual approval sitting in someone's inbox.
Every payment has a rule behind it
Approval thresholds, category limits, date restrictions and budget caps mean a payment either qualifies or it does not, before a human ever sees it.
One audit trail for every naira
Payouts, bills, payroll and card spend all post to the same ledger, tied to the same budget and the same staff records. Reconciliation is a filter, not a project.
Four steps, not a project
There is no implementation phase and nothing to install on a server. The longest part is verifying the business.
Open your account
Sign up, verify the business and you are live. No integration project, no minimum volume and no setup fee to negotiate first.
Set your rules
Approval thresholds, budget caps per department, category restrictions on cards and auto-pay schedules for recurring bills. One setup, applies everywhere.
Make the payment
Send a payout, schedule a bill, run payroll or hand out a card. Each one follows the rules you set and posts to the ledger on its own.
See the full picture
Every payment, every approval, every card swipe on one screen. Close the month by reviewing the numbers, not reconstructing them.
Five ways to pay, one account behind them
Each of these works on its own. Together they mean every payment the business makes leaves the same account, follows the same rules and lands in the same ledger.
< 3 sec
Typical transfer settlement time
100%
Payments leave an audit trail
5
Ways to pay out, one account
₦0
To open an account
Send money to anyone, anytime
A vendor needs payment. A staff member needs a refund. A landlord needs rent. You should not need a different tool, a different login or a different approval for each one.
- Single transfers or batch of hundreds
- Settles to any bank in Nigeria via NIP
- Approval workflows built in, not bolted on
Never miss a due date again
Electricity, internet, rent, subscriptions, vendor invoices. Set the schedule, set the rules, and the payment goes out on time without someone remembering to click approve every month.
- Auto-pay for recurring bills
- Covers utilities, airtime, subscriptions and more
- Each payment posts to the right budget category
Built for how these businesses actually pay
The channels matter more in some trades than others. Pick the closest fit and see how it is set up.
Retail and supermarkets
Pay suppliers on time, settle utility bills automatically and keep store-level expense cards within budget.
Restaurants and food
Pay vendors for fresh produce daily, cover utility bills and issue kitchen cards with category limits.
Distribution and wholesale
Run batch payouts to dozens of suppliers, manage transport costs and keep fuel cards within monthly caps.
Schools and education
Pay staff on schedule, settle vendor invoices for supplies and issue department cards for field trips and events.
Professional services
Pay contractors, cover client entertainment with controlled cards and settle office expenses on autopilot.
Construction and real estate
Pay suppliers for materials, settle labour in batch and issue site cards with material-only restrictions.
Vendors, bills and salaries are the same action wearing different names.
Splitting them across three processes multiplies the approvals, the logins and the places a figure can go wrong. One balance and one set of rules behind all of them removes the seams rather than managing them.
Priced per transaction, not per seat
Opening an account is free and there is no monthly platform fee. You are charged when money moves, so a quiet month costs you nothing. Add as many staff as the business needs.
- Free to open, no setup fee
- No charge for extra users
- Volume rates for higher throughput
Frequently asked questions
If your question is not here, the Help Centre goes deeper, or you can talk to someone on the team.
What does Pay actually include?
Five ways to pay out from one account: payouts to any bank, bill payments for utilities and subscriptions, payroll disbursement, expense cards with built-in limits, and spend controls with approval workflows. They share one ledger, one set of staff records and one audit trail.
Do I have to use all five to get started?
No. Most businesses start with payouts or bills and add the others as they need them. There is nothing extra to install and no separate contract when you switch on a new way to pay.
How quickly do transfers settle?
Most transfers settle in under three seconds through NIP. Payroll batches and bill payments follow the same rails, so the money arrives the same day regardless of the amount.
How do approval workflows work?
You set a threshold. Payments below it go through instantly. Payments above it route to the approver or approvers you designate, in the order you set. The payment does not move until every required approval is in place.
Can I set spending limits on cards?
Yes. Each card can have a limit by total amount, by transaction, by category, by merchant or by time window. A card restricted to fuel and office supplies will not work at a restaurant.
What does it cost to pay out with Niimbu?
Opening an account is free and there is no monthly platform fee. You are charged per transfer, with lower rates as volume grows. Cards, approvals and spend controls cost nothing extra.
Does every payment show up in my books automatically?
Yes. Payouts, bills, payroll and card spend all post against the budget category, the staff member or the vendor they belong to, and flow through to bookkeeping without a manual entry.
The simpler way to scale your business!
Start free and see it working today, or talk to us about pricing for teams and higher volumes.