ChequeIn vs MoniRef

ChequeIn is your all-in-one financial companion designed to help you bridge the gap between paydays and take total charge of your money. Whether you are tracking daily earnings or managing monthly expenses, ChequeIn provides the tools you need to achieve financial stability. Key Features: • Real-time Earnings Tracking: See exactly how much you’ve earned and what is ready for you to access. • Smart Spending Insights: Get categorized breakdowns of your spending habits to help you save more. • Instant Virtual Accounts: Generate personalized account numbers for easy top-ups and seamless transfers. • Financial Wellbeing: Access personalized advice and data-driven insights tailored to your financial goals. • Secure Transactions: Manage linked bank accounts and transfer funds with industry-standard security and encryption. • Payday Planning: Schedule and track your upcoming income to plan your budget with confidence. Take the stress out of money management. Download ChequeIn today and start your journey toward financial freedom.

You pay first and the seller disappears. Or you deliver first and the chat goes quiet. MoniRef ends that. The buyer’s money is held by our licensed payment partner and released to the seller only when the buyer confirms delivery. No foul play, on either side. Built for how Nigerians actually buy and sell online: Instagram and WhatsApp vendors, Facebook Marketplace and Jiji deals, pay-on-delivery orders, freelancers and service providers who want to be paid before they start. FOR SELLERS Get paid upfront, then deliver. The money is committed before you ship, and it lands in your wallet the moment the buyer confirms. Create a payment request in a few taps, share the link anywhere, track every order in one place, withdraw to any Nigerian bank. FOR BUYERS Your money only moves when you say so. Pay by bank transfer to a dedicated account, not the seller’s account. If delivery is never confirmed, you get your money back. No account needed to pay a request. HOW IT WORKS 1. The seller creates a request and shares the link. 2. The buyer pays by transfer. The money is held by our licensed payment partner. 3. The buyer confirms delivery and shares a release code. 4. The seller enters the code and the money is released. PRICING No fee to create a request. No monthly fee. A withdrawal fee from ₦150 applies when you cash out and reduces as amounts grow. You see the fee before you confirm. VERIFICATION Every seller completes identity verification (KYC) before collecting payments. Paying a request does not require verification. ELIGIBILITY Nigeria only. You must be 18 or older. Transactions are in Nigerian Naira. DELETING YOUR ACCOUNT Account tab, then Delete account. It takes effect immediately. If you cannot sign in, request it at moniref.com/delete-account. Some records are retained after closure where Nigerian law requires, as set out in our Privacy Policy.