Next business day (T+1)
Palmpay
Palmpay collections settle on the next business day. A Palmpay wallet payment settles instantly. That exception is marked on the wallet row.
1.9% capped at ₦2,000
for a bank transfer
See Palmpay feesSell Smarter. Grow Faster.
Know your numbers. Grow your business.
BluuPay is the business record for Nigerian merchants. Every payment is tied to the product sold, then stock, invoices, customers, expenses, tax, and profit stay in one place across your outlets.
BluuPay is for shop owners in Nigeria. Sign up and sign in at dashboard.bluupay.co.
- Bank transfer
- USSD
- Wallet
- Cash
- NigeriaBuilt for merchants here
- No terminalStart on the phone you have
- PalmpayNext business day
- Nomba MFBInstant settlement
In the dashboard
The screens a shop opens
These are from a live BluuPay dashboard.
ProductsThe catalogue lists each product with its price and how many are in stock. 
SalesSales insights show today, this week, and this month after returns and refunds.
How it works
From the first account to a clearer shop
Register, verify, set up the shop, sell, get paid, then manage and grow.
01
Register
Create the business on your phone. No terminal is required to begin.
02
Verify
Confirm the business so you can take payment and pay your team.
03
Set up shop
Add products and prices, staff roles, and each outlet you sell from.
04
Sell
Take the sale on the point of sale or in the mobile app, in the shop.
05
Get paid
Settle next business day with Palmpay, or instantly with Nomba MFB.
06
Manage and grow
Read profit, stock, invoices, expenses, tax, and reports from the same record.
The product
Everything the shop does, on one record
Sell
Point of sale
Ring up the product, the price, and the payment from the counter. The sale lands on the business record immediately.
Payments
Record a bank transfer, USSD, a wallet payment, or cash against the product that was sold. Priced collections are bank transfer and wallet payment.
Mobile app
Sell and check the business from the phone your team already carries. Store listings are added here when they are public.
Get paid
Palmpay, next business day
Collections through Palmpay settle on the next business day (T+1). A Palmpay wallet payment is the exception and settles instantly.
Nomba MFB, instant
Collections through Nomba MFB settle instantly, on bank transfer and wallet payment.
Absorb the fee, or pass it on
You choose whether BluuPay’s collection fee stays with you or is passed through to the customer. The rate in the table is the same either way.
Run the shop
Inventory
Stock moves when the sale is recorded, so you can see what is left and what to reorder.
Invoicing
Send an invoice and keep it with the customer and the payment, instead of a separate notebook.
Customers
A CRM for the people who buy from you, tied to what they bought and what they still owe.
Expenses
Record money leaving the business so profit is not just sales minus a guess.
Tax
Keep tax with the sales it belongs to, ready for the report you already run.
Staff roles
Add the people who sell, and give each person a role. You can see who sold what.
Outlets
Run more than one location on the same business, with stock and sales separated by outlet.
Grow
Insights
See which products earn, which sit, and how the day actually went.
Reports
Daily and period reports for sales, stock, and profit, in a form you can share.
Business verticals
The same record serves retail, markets, wholesale, services, and the other shops listed on Solutions.
Payments
Choose when the money lands
Palmpay settles on the next business day. Nomba MFB settles instantly. You can absorb the fee or pass it on.
Instant
Nomba MFB
Nomba MFB collections settle instantly on bank transfer and wallet payment.
2.2% capped at ₦2,000
for a bank transfer
See Nomba MFB feesSolutions
Built for the way the shop already works
Retail shops
Track every item that leaves the shelf and the profit left after the fee.
Market traders
Keep the day’s sales on the phone, even when payment arrives as a transfer.
Wholesalers
Separate outlets, staff, and larger invoices without a second set of books.
Service providers
Invoice the job, record the payment, and see what the work actually earned.
Growing SMEs
Add staff roles and locations as the business adds counters.
Kiosks and mini-marts
Start on the phone you already have. A terminal is not required.
Coming soon
Not available to merchants yet
These are on the way. They are not part of what you can use when you open the dashboard today.
WhatsApp
Selling and support through WhatsApp are not available yet.
PoS terminals
A BluuPay point-of-sale terminal is on the way. Today you sell from the phone and the point of sale in the app.
Desktop app
A desktop application is not available yet. The dashboard on the web is available now.
Offline selling
Selling without a connection is not available yet. BluuPay needs a connection for the sale to be recorded today.
BluuPay hardware
Branded terminals, tablets, desktops, and phones are not on sale yet.
BluuPay in brief
BluuPay is the business record for Nigerian merchants. Every payment is tied to the product sold, then stock, invoices, customers, expenses, tax, and profit stay in one place across your outlets.
Ways to take payment
- Bank transfer
- USSD
- Wallet
- Cash
Bank transfer and wallet payment are the priced collections. USSD and cash are recorded on the sale.
Sign up and sign in at dashboard.bluupay.co.
Questions
What is BluuPay?+
BluuPay is a business tool for Nigerian merchants. It ties each payment to the product sold, then keeps stock, invoices, customers, expenses, tax, and profit on one record.
Who is BluuPay for?+
Retail shops, market traders, wholesalers, service providers, growing SMEs, kiosks, mini-marts, boutiques, spare-parts shops, pharmacies, food vendors, and supermarkets.
What can merchants use today?+
Staff roles, invoicing, CRM, expenses, tax, reports, payments, insights, inventory, a choice to absorb fees or pass them on, more than one outlet, business verticals, point-of-sale selling, and the mobile app.
What is not available yet?+
WhatsApp, PoS terminals, the desktop app, offline selling, and BluuPay hardware (terminals, tablets, desktops, and phones) are coming soon. They are not part of the product a merchant can use today.
How do I start?+
Open dashboard.bluupay.co, create the business, add products, and start selling. Sign-up and sign-in both live on that dashboard.
Do I need a POS terminal?+
No. You can sell with the phone and the BluuPay mobile app. BluuPay terminals and other hardware are coming later and are not required.
Does BluuPay work offline?+
Not yet. Offline selling is coming soon. Today a sale is recorded while the device is online.
Can several people use one business?+
Yes. Add staff and assign roles so you can see who sold what.
Can I run more than one outlet?+
Yes. Location management keeps more than one outlet on the same business.
Where does BluuPay operate?+
BluuPay operates in Nigeria.
Merchants
The record, in the words of the shop
“I now know exactly how much profit I make every day. It has changed how I run my business.”
“BluuPay tells me which drinks sell fastest every Friday. I restock with confidence. My business is sharper now.”
Start today
Start with the shop you already run.
Create the business on the dashboard, add products, and record the next sale. A terminal is not required.