ZUMA
One Continent, One Wallet
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ZUMA
Prices, payment methods and delivery all follow your choice.
No market matches that search.
One balance that works in every country Zuma is live in.
Everything is priced in NGN (₦). No foreign card required.
Payments in this market fall under Central Bank of Nigeria (CBN). See our licensing status →
Cities where you can use it today.
We would rather name the alternatives than pretend there aren't any.
Zuma matches the payment rails and adds 30+ service verticals OPay does not operate.
Zuma’s wallet is one module of a full service stack, not the whole product.
Zuma Pay covers acceptance, then brings the merchant demand from 30+ consumer modules.
Zuma Food matches the delivery product and adds dine-in, ticketing, rides and payments on the same account.
The consumer-side balance, transfers and top-ups. Merchant acceptance is Zuma Pay.
One balance that works in every country Zuma is live in.
Phone number and name. Full KYC only when limits require it.
⚙ Tiered-KYC account opened at the market’s entry limit
From the local rail already in the customer’s pocket.
⚙ Rail-specific collection, ledger credit on confirmation
Across every Zuma module and out to any number.
⚙ Balance check, limit check, double-entry posting
Device binding, PIN, and anomaly holds on unusual movement.
⚙ Risk engine; suspicious transfers held pending step-up auth
Yes. Zuma Wallet is live in Nigeria and you can use it from the Zuma app or this website.
With OPay, PalmPay, Moniepoint, Bank transfer, Card and USSD, or from your Zuma Wallet balance. Everything is priced in NGN.
The consumer-side balance, transfers and top-ups. Merchant acceptance is Zuma Pay.
Zuma's payment operations in Nigeria fall under Central Bank of Nigeria (CBN). Our current licensing status per market is listed on the Trust page.