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Z9Pay

Merchant and reseller credit

Stock up before the rush. Repay after it.

Working capital for merchants and resellers who trade on Z9Pay. We decide on your sales, not on collateral, and show you one flat fee before you accept.

Apply nowCommunication centre? See Tahlil
Photograph · to be commissionedA reseller restocking recharge cards and data bundles before the end-of-month rush. Hands, stock and a phone screen in frame.Lagos · Computer Village, Ikeja

Who it’s for

If you sell through Z9Pay, you can apply.

You need to have traded on Z9Pay for at least three months. The more consistent your sales, the larger your limit.

  • Airtime and data resellers

    Grow your float before weekends and month-end.

  • Retail shops

    Buy stock in bulk at a better price.

  • Wholesalers and distributors

    Pay suppliers now, collect from retailers later.

  • Online stores

    Fund inventory and ad spend ahead of a sale.

How to apply

Three steps, about three minutes of your time.

  1. 013 min

    Tell us about your shop

    Your name, business, state and how much you need.
  2. 0248 hours

    We review your sales

    We read your Z9Pay history and come back with a limit, tenor and flat fee.
  3. 03Same day

    Accept and get paid

    Sign in the app. The money lands in your Z9Pay balance the same day.

Merchant and reseller credit

Illustrative
Merchant and reseller credit fees
ItemPrice
Credit lineBased on your Z9Pay sales history.₦200k to ₦10m
TenorRepay early at no extra cost.14, 30 or 60 days
PricingOne flat fee, shown before you accept. No compounding.From 3% flat
Late repaymentSet out in your loan agreement.[To confirm]

Example: borrow ₦1,000,000 for 30 days at a 3% flat fee and repay ₦1,030,000. No compounding. Pay it back early and you still pay only the flat fee you agreed to, never more.

Apply

Start your application.

We reply by SMS and in the app within 48 hours. Applying does not affect your ability to borrow elsewhere.

Run a communication centre?

The Tahlil Program offers interest-free loans built with TubaliDigital.

See the Tahlil Program

Credit application

Demo form

About three minutes. We ask for your BVN later, in the app.

FAQ

Questions people ask

Something else? support@z9pay.com

Who can apply?
Registered businesses and resellers who have traded on Z9Pay for at least three months. You need your BVN, a valid ID and, for limited companies, your CAC documents.
How is the fee worked out?
One flat fee, shown as a naira amount before you accept. It depends on the amount and the tenor. There is no compounding interest and no fee for paying early.
Do I need collateral?
No. We decide on your trading history with Z9Pay, not on property or a guarantor.
Who provides the credit?
Credit is provided by our licensed lending partner. Their name is shown on your loan agreement before you sign.