WE-PAY — How It Works

The Process

Four simple steps to complete freedom

1

Create your account

Sign up with your email, phone number, and basic details. Verify your identity with a government-issued ID — the whole process takes under 3 minutes on mobile or desktop.

2

Fund your wallet

Top up your WePay wallet using bank transfer, USSD, or crypto. Funds arrive instantly for most payment methods. Your balance is secured and always available.

3

Get a virtual card

Choose Visa or Mastercard. Set a spending limit, currency, and label. Your card is ready in seconds — complete with CVV and expiry. Add it straight to Apple Pay or Google Pay.

4

Pay, transfer, and grow

Use your card anywhere online. Send money globally. Create payment links. Manage subscriptions. Everything in one dashboard — with real-time notifications and analytics.

Use Cases

Who uses WePay?

Freelancers

Get paid by international clients using payment links or direct transfers. Convert earnings to local currency at excellent rates.

Digital Creators

Run ads on Meta, Google, TikTok, and Spotify using virtual cards. Set per-card limits to control spend across ad accounts.

Small Businesses

Get team cards, track expenses by department, accept payments with links, and manage subscriptions for your software stack.

Students

Pay for international tuition portals, software subscriptions, online courses, and foreign e-commerce platforms without hassle.

Diaspora

Send money home instantly. Receive payments from abroad. Maintain wallets in multiple currencies to support family and business seamlessly.

Developers / SaaS

Use our API to embed payment infrastructure into your product. White-label card issuance, wallets, and transfers in your own interface.

FAQ

Common questions answered

Most accounts are verified within 2–5 minutes using our automated identity verification system. In rare cases requiring manual review it may take up to 24 hours.
Yes. All WePay virtual cards are reloadable. You can top up from your wallet balance at any time directly from the dashboard.
WePay issues both Visa and Mastercard virtual cards, accepted globally at any merchant that accepts card payments including subscriptions, ads, and marketplaces.
Absolutely. WePay virtual cards work perfectly for Netflix, Spotify, AWS, Google Workspace, Adobe, and virtually any recurring subscription service.
We support NGN, USD, GBP, EUR, GHS, KES, and more. Currency conversion is available at competitive market rates within the dashboard.
Free accounts can create up to 3 active cards. Pro and Business subscribers enjoy unlimited card creation. See our pricing page for details.

Start in under 2 minutes.
It's completely free.

Join 50,000+ users across Africa who are already using WePay for everyday digital payments.

Create Free Account Explore Features

Up and running in under 2 minutes

Four simple steps to complete freedom

Who uses WePay?

Common questions answered

Start in under 2 minutes.It's completely free.

Start in under 2 minutes.
It's completely free.