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Experience the Naija You Love With the flexibility of spending in local currency

Borderless Pay connects your currency to Nigeria’s economy, giving you a local Naira wallet, card, and instant access to pay people and businesses without friction.
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Make payment with Naira Card
Experiencing Nigeria just got easier, with payments made simple

Powerful features built for a borderless experience

Naira Wallet With NGN Card

Spend like a local — pay anywhere in Nigeria with your Borderless Pay wallet and card.

Instant Transfer

Move money in seconds — no delays, no stress, just seamless transfers that work.

Multi-Currency Wallets

Hold USD, GBP, and EUR, and convert to Naira instantly — all in one app.

Payments that work for visitors and locals alike.

Borderless Pay connects global wallets to Nigeria’s local economy — solving the friction of card failures, hidden fees, and reversals with instant, trusted transactions.

For visitors to Nigeria

Visitors can skip unreliable international cards by using Borderless Pay — fund a foreign wallet, convert to Naira, and spend locally with an NGN card, no failed transaction, high fees, or delays.

For Nigerian businesses

Funds settle instantly in Naira, giving merchants confidence to accept payments from visitors again. We restore trust — helping local businesses receive revenue safely and seamlessly.

Empowering your money to move without borders.

We built Borderless Pay to make spending locally with a naira card and making transfers to individuals and businesses seamless

Naira Wallet with NGN Card

Spend like you never left home.

Instantly convert from foreign currency to Naira and spend anywhere in Nigeria with your virtual or physical NGN card. Shop online, pay bills, withdraw cash, or swipe in stores — without worrying about blocked international cards or delays.
Borderless Pay keeps you connected to Nigeria

Instantly convert from foreign currency to Naira

Instant Transfers

Fast, reliable transfers that move at the speed of trust.

Borderless Pay’s instant transfer system ensures funds move between your wallets — and to local bank accounts — in real time.

Borderless Pay’s instant transfer system

Multi-Currency Wallets

One app. Multiple currencies.
Zero stress.

One app. Multiple currencies. Zero stress.

With Borderless Pay, you can manage multiple wallets in foreign and local currencies. Fund in multiple currencies, hold it safely, and convert when the rate feels right. No need for multiple apps or accounts — your global and local wallets live side by side, giving you total control over your finances across borders.

manage multiple wallets in foreign and local currencies
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Sending money home shouldn’t be this hard

Another Problem We’re Solving

Every year, millions of Nigerians abroad send money home — to support family, pay bills, invest, or simply live between two worlds.
But it’s rarely simple. High transfer fees, delayed payments, and card rejections make it frustrating to connect financially with Nigeria.

Send money home effortlessly.

Frequently Asked Questions

What is Borderless Pay?

Borderless Pay is a cross-border payment platform that allows Nigerians abroad and foreign visitors to send, convert, and spend money seamlessly in Nigeria. You can hold multiple currencies, convert to Naira instantly, and use your NGN card for local transactions.

Anyone — Nigerians in the diaspora, foreign visitors, and local users in Nigeria. Whether you’re sending money home, paying for services, or spending during your stay, Borderless Pay makes it simple.
You create an account, fund your foreign currency wallet, convert to Naira at transparent rates, and spend locally using your Borderless Pay wallet or NGN card. All transactions are instant, secure, and trackable.
You can hold and transfer funds in major foreign currencies like USD, GBP, and EUR — and convert them instantly into Naira when you need to spend or withdraw in Nigeria.
Yes. You don’t need a traditional Nigerian bank account to spend or receive funds. Your Borderless Pay wallet acts as your digital account for holding and spending Naira locally.
Unlike international cards that often fail or trigger chargebacks, Borderless Pay ensures instant, secure payments in Naira. No high fees, no blocked cards, and no currency confusion.
Absolutely. We use bank-grade encryption and comply with global payment regulations to ensure every transaction and user detail is fully protected.
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No, other forms of identification are accepted when creating your BorderlessPay account. Only Nigerian users are required to use their NIN for account creation.

Everything — from hotel bookings and event tickets to Suya at Glover Road. You can pay merchants, buy flight tickets, shop online, and withdraw cash — all from your Borderless Pay wallet or card.

Your money shouldn’t have borders.

Join thousands of users sending, converting, and spending seamlessly with Borderless Pay.