About PayForce
PayForce is a banking software from Fairmoney that aims to simplify banking for emerging markets. It combines digital account management, transaction tracking, and mobile payments so users can manage their finances effortlessly. PayForce offers a user-friendly interface that caters to various banking needs, ensuring accessibility for a wide range of users. With features that include instant money transfers, bill payments, and financial reporting, it supports individuals and businesses in managing their financial activities effectively. Key capabilities: digital account management transaction tracking mobile payments instant money transfers bill payments Best for: individuals and small businesses that need efficient banking solutions.
PayForce is an Agency Banking giant in Nigeria, now owned by the neobank FairMoney. In 2026, it is the primary engine for "Neighborhood Banking," empowering thousands of small business owners (agents) to provide banking services where traditional banks do not exist. It serves as a "bank-in-a-box" for agents who use the PayForce POS terminal to help their communities with cash withdrawals and deposits.
Pros & Cons
- +Backed by FairMoney’s robust banking infrastructure.
- +Agents earn from transfers, bills, and even facilitating loan applications.
- +Rapid terminal deployment and onboarding process.
- −Business relies entirely on the physical POS terminal and the local GSM signal.
- −Agents carry the burden of securing the physical cash they use for withdrawals.
- −Strong competition from OPay and Moniepoint can make it hard to secure exclusive territory.
Features
Key features
- Instant Cash-In/Cash-Out
- Provides a reliable "Human ATM" service for local communities using a mobile POS terminal.
- FairMoney Credit Access
- Agents and their frequent customers can access micro-loans directly through the terminal interface.
- High Commission Model
- A transparent, tiered commission structure that allows agents to earn significant monthly income.
Additional features
- Bill Payments Hub
- Pay for electricity, cable TV (DSTV/GoTV), and internet bundles with instant confirmation.
- Virtual Bank Accounts
- Assigns every agent a unique account number for easy funding.
- Biometric Identity
- Supports fingerprint scanning for secure "Life Detection" and identity verification during transactions.
- Card & Transfer Support
- Accepts all major Nigerian cards (Verve, Mastercard, Visa) and bank-to-terminal transfers.
- 24/7 Agent Support
- Dedicated chat and phone lines specifically for troubleshooting POS hardware issues.
- Super-Agent Portal
- Tools for large distributors to manage and monitor a fleet of sub-agents.
- Business Analytics
- Real-time tracking of daily profits and transaction volumes on the agent's smartphone app
Pricing
Countries & Languages
Available in
Interface languages
Billing currencies
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About PayForce
PayForce is a banking software from Fairmoney that aims to simplify banking for emerging markets. It combines digital account management, transaction tracking, and mobile payments so users can manage their finances effortlessly. PayForce offers a user-friendly interface that caters to various banking needs, ensuring accessibility for a wide range of users. With features that include instant money transfers, bill payments, and financial reporting, it supports individuals and businesses in managing their financial activities effectively. Key capabilities: digital account management transaction tracking mobile payments instant money transfers bill payments Best for: individuals and small businesses that need efficient banking solutions.
PayForce Details
PayForce's In-App Market Place
Does PayForce have an in-app market place?
Yes
How many Mini-Apps in the marketplace?
1
Mini Apps
N/A
Pricing Options
Accepted Payment Currencies
Usd, NGN
Pros & Cons
- Backed by FairMoney’s robust banking infrastructure.
- Agents earn from transfers, bills, and even facilitating loan applications.
- Rapid terminal deployment and onboarding process.
- Business relies entirely on the physical POS terminal and the local GSM signal.
- Agents carry the burden of securing the physical cash they use for withdrawals.
- Strong competition from OPay and Moniepoint can make it hard to secure exclusive territory.
PayForce's Support Options
Email Address
help@fairmoney.ioContact
07000 362 362PayForce's Alternatives
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