Offline Payments

Make payments anytime, anywhere — regardless of your internet connection at the moment. Payoff keeps you connected, even when you're offline.

Reliable Transactions

Say goodbye to “network issues.” With Payoff, your payments go through smoothly — even in low-connectivity areas.

Seamless Experience

Whether you're at a remote market or in a busy city, Payoff ensures fast, secure offline payments — always on.

About Us

Payoff is redefining access to digital payments by making it possible to send and receive money — even without internet access.

Offline Payment Innovation

Solving Financial Access Challenges

At Payoff, we believe financial services should work for everyone — not just those with constant access to data or smartphones. That’s why we built a platform that empowers people to pay and get paid offline.

Whether you’re in a rural community, a crowded marketplace, or facing unstable network conditions, Payoff ensures your financial transactions are fast, secure, and always on.

The Team

Image

Chidiebube Christian Ogbodo

CEO
Image

Joshua Okwoli Okwoli

CTO
Image

Ebioke Kobi-Vese

Chief Product Designer

Our Services

Offline Wallet

Offline Wallet

Store and access your funds even without internet. Your balance is always available on your device.

Send & Receive

Send & Receive Payments

Transfer money to anyone nearby without needing mobile data — powered by offline tech.

Merchant Payments

Merchant Payments

Make purchases at local stores without needing connectivity. Just scan and pay offline.

Transaction History

SDK Licence for Fintechs

Are you a fintech looking to go offline? We license our SDK

Pricing

Starter

Free / forever
  • Send & receive offline payments
  • Offline wallet access
  • Multi-user device support
  • Merchant dashboard
  • Priority support

Get Started

Merchant

Custom / year
  • Everything in Starter
  • Multi-user device support
  • Offline business payments
  • Simple merchant dashboard
  • Advanced analytics

Upgrade Now

Enterprise

Custom / year
  • All Pro features
  • Custom branding & API access
  • POS integration
  • Advanced analytics dashboard
  • Dedicated support & training
  • SDK License

Contact Sales

Frequently Asked Questions

Do I need internet to send money?

No. With Payoff, you can send and receive money even without an internet connection, when either party in a transaction has even the slightest USSD connection the transaction syncs

What happens if I lose my phone?

Your wallet is PIN-protected, and your funds can be restored when you sign in on another device using your Payoff credentials.

Can I use Payoff for my business?

Absolutely. Our Pro and Enterprise plans are designed for small merchants and growing businesses to accept payments even without a POS or stable internet.

How secure is Payoff?

All transactions are end-to-end encrypted and verified with multi-layer security including device binding, PIN codes, and offline tokens.

What’s the difference between Pro and Enterprise?

Pro is perfect for individuals and small vendors. Enterprise includes custom API integration, analytics, branding, and training for larger organizations or cooperatives.

How do I top up my Payoff wallet?

You can top up using bank transfer.

Contact Us

No 24B Rose Nwokporo Street, Trans-Ekulu, Enugu

+234 906 9552 957

ogbodochidiebube@gmail.com

Contact Form