Income lands once.
Salary, client transfers and rent receipts settle into a single Central Wallet — one balance, one truth.
Demo mode · no live money movesThe financial
The financial
operating system
for Nigerian income.
Pay4U receives your salary or client payments into one Central Wallet, allocates them to purpose wallets, and makes sure rent, school fees, utilities and subscriptions are funded before they are due.
Income account · GTBank ••• 4412Demo data
Salary received
₦350,000
Central Wallet · allocating now
Rent
₦120,000
Utilities
₦40,000
Food
₦45,000
Transport
₦30,000
Savings
₦35,000
Emergency
₦17,500
Subscriptions
₦14,000
Forecast
At this pace, you may be short by ₦12,000 before payday.
Mandate
Electricity — next debit: 10 September.
Control
You control every recurring debit.
Scroll to open the wallet
One balance. Every naira with a job.
How Pay4U works
Money is given a job.
Allocation rules split every inflow across purpose wallets before a naira can drift into the wrong week.
Debits never bounce.
Mandate health watches each recurring debit, funds it early and escalates before a provider retries and fails.
Built around how money actually fails
Missed rent, a bounced direct debit, a subscription that quietly ate transport money. Pay4U is designed to catch each one before it happens.
Central Wallet allocation
Income lands once, then splits automatically into rent, utilities, food, transport, savings and emergency wallets.
Mandate health
See every recurring debit, its funding wallet, retry policy and consent date — pause or cancel in one tap.
Cash-flow forecast
A 30-day view of what lands, what leaves and where you fall below your safety floor before it happens.
Virtual cards
Wallet-linked cards with hard monthly limits so subscriptions can never overdraw your rent money.
WhatsApp alerts
Funding reminders, failed-debit warnings and receipts delivered where Nigerians actually read them.
SME & landlord modes
Payroll and tax reserves for small businesses; rent collection, reminders and disbursement for landlords.
See the full demo
Realistic Nigerian data: ₦350,000 salary, Ikeja rent, Spectranet, Remita mandates.