WayaQuick vs Speso

WayaQuick is the merchant app that helps Nigerian businesses accept payments and get paid. Create a payment link or send an invoice in seconds, and let customers pay you by card, bank transfer, USSD or wallet. Then follow every naira from payment to settlement in one simple dashboard. No website or coding needed. Create your business account, verify your business in the app and start collecting payments from customers anywhere in Nigeria. ACCEPT PAYMENTS WITH PAYMENT LINKS • Create a one-time or recurring payment link in a few taps • Share your payment link on WhatsApp, Instagram, SMS or email • Customers pay by card, bank transfer, USSD or wallet on a secure checkout • Ideal for online stores, social media vendors and service businesses SEND INVOICES THAT GET PAID • Create professional invoices with line items and a payment due date • Send each invoice to your customer to pay online • Keep track of every invoice you have issued RECURRING PAYMENTS AND SUBSCRIPTIONS • Create subscription plans for memberships, school fees, rent, retainers and other repeat services • Customers add their card once and are billed on schedule BANK TRANSFER WITH VIRTUAL ACCOUNTS • Generate a virtual account number so customers can pay you by bank transfer • See each transfer in your account history TRACK EVERY TRANSACTION • Dashboard with your revenue, balance and monthly revenue chart • Search and filter transactions by status, date and reference • Export transactions and settlements to CSV for your accountant • Notifications for payments and account activity SETTLEMENTS AND PAYOUTS • Next-working-day (T+1) settlement into your Nigerian bank account • Or settle instantly into your Waya account • Add settlement accounts and choose where your money goes • Withdraw your balance and send payouts to any bank in Nigeria • Every payout is protected by your transaction PIN CUSTOMERS, DISPUTES AND YOUR TEAM • Keep your customer list in one place • Track and respond to customer disputes • Invite staff to your dashboard and give each person the right role • Activity log of every action taken on your account BUILT FOR DEVELOPERS TOO • View your API keys and switch between test mode and live mode • Set webhook and callback URLs for your website or app • Add WayaQuick checkout to your website with our payment gateway API SECURITY YOU CAN TRUST • Transaction PIN for withdrawals and payouts • Two-factor authentication (2FA) • Face ID and Touch ID sign-in • Automatic sign-out after 15 minutes of inactivity • API keys, PINs and one-time codes hidden while your screen is recorded or shared HELP WHEN YOU NEED IT • Ask the built-in AI assistant about your payments, settlements, payouts and KYC • Browse the FAQ or contact our support team from the app WHO WAYAQUICK IS FOR Online sellers, Instagram and WhatsApp vendors, retail shops, restaurants, schools, event organisers, freelancers, consultants, SMEs and growing businesses across Nigeria. GET STARTED IN 3 STEPS 1. Download WayaQuick and create your business account 2. Verify your business (KYC) in the app 3. Create your first payment link or invoice and start getting paid WayaQuick is a product of Waya Multi-Link Technology Ltd.

Speso helps you send and receive money from friends, family, and businesses — instantly and securely. Whether you’re paying a vendor, sending money to a loved one, or finding skilled artisans, Speso makes every transaction fast, simple, and safe. Key Features - Send Money to MoMo & Banks – Instantly transfer money to any mobile wallet or bank account. - Pay Your Favourite Businesses – Make quick and secure payments to trusted merchants and service providers. - Chat with Friends & Support – Stay connected, share updates, and get instant assistance. - 100% Secure – Enjoy reliable transactions powered by bank-grade security and encryption.