01
Enter the merchant’s account
Choose the Nigerian bank, enter the account number and the naira amount. The merchant changes nothing.
Partner-ready payment access
Identity approved by partnerPay locally.
From anywhere.
Pay businesses across Nigeria through their existing bank accounts—without asking merchants to install another app.
Nigeria-wide use caseLocal naira credit
The merchant receives a normal bank transferPayment execution remains with the licensed partner.
Partner-controlled spending limit
₦500,000
Vyloca neither holds nor settles funds
Trip
Nigeria · multi-city
Funding
EUR card
FX rate
€1 = ₦1,775
Provider
Demo partner
Pay any Nigerian bank account
The business receives a normal naira transfer. No merchant app required.
The gap Vyloca closes
A visitor has money. The merchant has a bank account. Payment should not be the difficult part.
International cards are not accepted everywhere, while local transfers already work for Nigerian businesses. Vyloca connects those two realities through a licensed payment partner.
No merchant signup
The business keeps its existing account and routine.
No cash search
The visitor sees the cost before authorising.
No Vyloca custody
Funds and regulated decisions remain with the partner.
One familiar payment journey
From foreign funding to local bank credit.
The visitor sees one controlled experience. The licensed partner performs every regulated action behind it.
02
Review the partner quote
See the verified account name, exchange rate, fee and exact naira amount before authorising.
03
Follow one payment state
Vyloca shows the partner and bank response clearly, including delays, declines and confirmed merchant credit.
Built around the merchant’s reality
The merchant receives a normal naira transfer.
No new terminal. No separate merchant wallet. No staff retraining. The receiving business keeps using its existing Nigerian bank account and recognises the payment through a partner reference.
Account name checked before authorisation
Exact naira amount shown before payment
Bank-confirmed status and shareable receipt
For visitors
Pay businesses that prefer local transfer without carrying large amounts of cash or persuading them to accept a foreign card.
For merchants
Receive naira into the bank account already used for business, with no additional app required.
For licensed partners
Extend existing verification, card, FX and transfer infrastructure into a focused visitor-payment journey.
A Nigeria-wide programme, not a Vyloca wallet
Bring the licence and rails. Vyloca brings the use case and operating layer.
Our sandbox already demonstrates account resolution, time-bound FX quotes, partner policy controls, step-up decisions, duplicate protection, signed callback requirements and merchant-credit recovery.
No live funds are moved in this demonstration. Production activation requires a licensed partner’s approval and integration.
