Nigeria's simplest way to send and accept money — no card numbers, no stress.
Scan a QR code to pay any vendor
Get an instant alert the moment you're paid
Withdraw to any Nigerian bank account
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I already have an account · Log in
◆ Welcome screen
Open the app & tap “Get started”
The first screen sells the promise in one line. New users tap the big green button; returning users tap “Log in”.
Tap Get started to begin a new account.
Already registered? Tap Log in instead.
Agent tip: This is your pitch line — “get paid in minutes”. Start every demo here.
How will you use ThynkPay?
This helps us tailor your experience. You can do both later.
🏪
Accept paymentsI sell goods or services
👤
Send & receiveI pay and get paid
Referral code (optional)
e.g. AG-4B2K7
Continue
1 Step 1 · Role
Choose how you’ll use it
Pick the option that fits best. A merchant selling goods picks the first; a regular user picks the second.
Merchant / vendor → tap Accept payments.
Everyday user → tap Send & receive.
If a ThynkPay agent gave you a referral code (something like AG-4B2K7), type it in the box below the role cards. Leave it blank if you signed up on your own.
Tap Continue.
Tip: There’s no wrong answer — everyone can send and receive. This just tailors the welcome. The referral code is only there so your ThynkPay agent gets credit for onboarding you — it doesn’t change anything about your account.
Phase 2
Verify your phone
What’s your phone number?
We’ll text you a 6-digit code to confirm it’s yours. This is how you sign in and how we keep your account secure.
🇳🇬 +234803 000 0000
Continue
2 Step 2 · Phone
Enter your phone number
Use a number you have with you right now — the confirmation code is coming by SMS in seconds.
Type the number (with or without the leading 0 — the app adds +234).
Tap Continue.
Tip: Must be a Nigerian mobile number starting 7, 8 or 9. Double-check it — the code goes here.
Enter the code
We sent a 6-digit code to +234 ••• ••• 1234
457380
Didn’t get it? Resend code
Continue
3 Step 3 · Verify
Type the SMS code
Read the 6-digit code from the text message and enter it. It submits by itself once all six digits are in.
Enter the 6-digit code from the SMS.
No code after ~30 seconds? Tap Resend code.
Important: This code creates the account — and it’s the same way they’ll sign in later. Keep it private.
Phase 3
Your details
What’s your name?
Enter it exactly as it appears on your BVN — we’ll verify it in a moment.
First name
Last name
Continue
4 Step 4 · Name
Enter your name
Type the first and last name exactly as they appear on the BVN — this gets checked at the last step.
Fill in First name and Last name.
Tap Continue.
Agent tip: Spelling matters. If it doesn’t match the BVN exactly, the account still opens — but it will use the BVN’s official name.
When were you born?
This must match your BVN records. Just type the numbers — we add the dashes.
27-04-2000DD-MM-YYYY
Continue
5 Step 5 · Birthday
Enter your date of birth
Just type the numbers — the app adds the dashes automatically in DD-MM-YYYY order.
Type day, month, year.
Tap Continue.
Tip: Must match the date of birth on the BVN, or verification will fail at the end.
Phase 4
Secure your account
Create your PIN
Pick 6 digits you’ll remember.
Your PIN protects your money — you’ll use it to sign in and approve every payment. Keep it secret. ThynkPay staff will never ask for it.
6 Step 6 · PIN
Create a 6-digit PIN
Choose a 6-digit PIN, then type it again to confirm. There’s no button — it moves on once six digits are in.
Enter a 6-digit PIN.
Enter the same 6 digits again to confirm.
Important: No easy PINs — not 123456, 654321, or all-same digits. This PIN approves every payment, so it must be private.
Add a recovery email
Add a backup email so you can reset your PIN if you ever forget it.
you@email.com
Send code
I’ll do this later
7 Step 7 · Recovery Optional
Add a recovery email
Enter an email and confirm it with a code — so a forgotten PIN can be reset without calling support. This is the only step you can skip.
Type an email → tap Send code.
Enter the 6-digit email code → tap Confirm email.
In a hurry? Tap I’ll do this later.
Heads up: This email code is different from the SMS code in Step 3 — it comes to the inbox, not the phone. Strongly recommend adding it.
Phase 5
Go live
Enter your BVN
Last step — enter your BVN and we’ll open your wallet instantly.
2 2 1 3 4 •••••
Nigerian law (CBN) requires your BVN to open any account that can hold money. We use it only to confirm it’s really you — we can never see your other banks or balances.
Verify & create account
Don’t know your BVN? Tap here
8 Step 8 · BVN
Enter BVN to open the wallet
The final step. Enter the 11-digit BVN and tap verify — this is where the wallet and account number are actually created.
Enter the 11-digit BVN.
Tap Verify & create account.
Don’t know it? Dial *565*0# free on the bank’s registered line.
Reassure the user: BVN is required by CBN law. ThynkPay only confirms identity — it cannot see other bank accounts, balances, or transactions.
🎉
You’re all set
Your ThynkPay wallet is live. Share your account number to get paid.
Your account number
9012 345 678
📋 Tap to copy
🥇 Tier 1
Daily limit ₦50,000 · Max balance ₦300,000 Complete more verification later to raise your limits.
Get started
✓ Done · Wallet live
Account created 🎉
The wallet is now live with its own account number. Money sent to that number lands straight in the ThynkPay wallet.
Tap Copy to share the account number and start getting paid.
Optionally turn on Face ID / Fingerprint for faster sign-in.
Tap Get started to enter the app.
Tier 1 limits: up to ₦50,000/day and a ₦300,000 balance. Higher tiers unlock with more verification later.
Key things to remember
The six points every agent should be able to explain in their own words.
🔢
Two different codes
The SMS code (Step 3) creates the account & is the login. The email code (Step 7) is only for resetting a forgotten PIN. Don’t mix them up.
🪪
Name & birthday must match BVN
If they don’t match exactly, the account still opens — but it quietly adopts the official BVN name. Set that expectation upfront.
⏭️
Only recovery email is skippable
Every other step is required. Skipping the email just means no self-serve PIN reset later — encourage adding it.
🏦
The wallet appears at the very end
The account number only exists after the BVN step — not after the SMS code. Don’t promise a wallet before Step 8.
🔒
Never share the PIN
The PIN approves every payment. ThynkPay staff and agents must never ask for it. No sequences or repeated digits allowed.
↩️
You can pause and resume
If the app is closed mid-signup (after the SMS code), it reopens on the exact step the user left off — no need to start over.
Ready to train your team?
Print this as a handout, share the link with a new agent, or keep it open while onboarding a merchant. Everything here mirrors the live app.
