Stellowave vs CoolPay

Stellowave is a comprehensive Nigerian digital financial services platform that streamlines everyday payments through a unified system integrating bill payments, wallet management, cryptocurrency trading, and international travel connectivity. The platform enables users to purchase airtime and data, pay electricity and cable TV bills, buy gift cards, trade cryptocurrencies, obtain travel eSIMs for global connectivity, and so much more, all while managing funds through a secure digital wallet with transparent fee structures. Built on modern web technologies with robust integrations for bill payments, card processing, bank transfers, cryptocurrency exchanges, and international travel data services, Stellowave serves both individual consumers and businesses seeking reliable, affordable digital payment and connectivity solutions tailored specifically for the Nigerian market, with advanced security features including two-factor authentication and real-time transaction monitoring.

CoolPay is a simple, secure payment app for everyday transfers, bill payments and airtime, with the tools agents and businesses need to run a POS business. Open a free Individual or Business account in minutes and manage your money from one place. Send Money • Transfer to any bank account • Send money to other CoolPay users • Transfer to mobile money wallets • Move money between your own balances • Save beneficiaries for faster repeat transfers Fund Your Wallet • Top up with a bank transfer • Fund your wallet with your debit card Pay Bills and Buy Airtime • Airtime and mobile data • Electricity • Cable TV subscriptions • Education payments, including school fees, WAEC and JAMB • Toll payments POS and Agent Tools • Request or buy a POS terminal from the app • Accept card payments in person and earn on every transaction • Set your commission rates • Add and manage agents and view all your terminals in one place • Track POS transactions by date Transactions and Receipts • View and filter your full transaction history • Share or save receipts as a PDF or image Security • Two-factor authentication when you sign in • Confirm payments with your transaction PIN or fingerprint • Security questions to help protect your account • Identity verification with BVN, NIN and a selfie check Invite Friends • Share your personal referral code with friends and family Getting Started 1. Download CoolPay 2. Create an Individual or Business account 3. Verify your identity and start sending and paying