Get Paid.
No Account.
In 24 Hours.
Enter your bank details once. Get a payment link. Share it anywhere. Money hits your account directly. Powered by Flutterwave split settlements. 1% fee. Nothing else.
No Account.
No Problem.
Wavy's Guest Payout Engine creates a secure payment identity for you in the background. You provide your bank. We handle everything else.
⚡ 60-Second Setup
Enter your name, phone, and bank account. We verify it with Flutterwave. Your payment link is live in under a minute.
Create Now →🏦 Direct to Your Bank
Flutterwave split settlements send your money directly to your bank account within 24 hours. We take 1%. You keep 99%. Automatic. Transparent.
See Pricing →🔒 Zero Risk
Bank-level verification. Signature-secured webhooks. Idempotent transactions. Every payment confirmed before settlement.
Learn More →Built Different.
Built Better.
The first Nigerian payment platform where you never need to register. Just connect your bank and get paid.
🎯 Ghost Vendor Architecture
We create a secure ghost vendor account for you automatically. Your bank details are verified, your Flutterwave subaccount is created — all invisible to you.
🔀 Flutterwave Split Payments
Every payment automatically splits: 99% goes directly to your bank account, 1% to Wavy. No manual transfers. No delays. Pure automation.
📲 Share Anywhere
Your link works everywhere — WhatsApp, Instagram bio, your website, email newsletters. One link. Unlimited payments.
🛡️ Enterprise Security
Rate limiting, idempotency keys, webhook signature verification, transaction state machines. Production-grade from day one.
How Wavy Works
From zero to getting paid in under 60 seconds:
1. Your Bank
Enter your name, phone number, bank name, and account number. We verify your account name via Flutterwave's resolve API.
2. Your Link
Set your price and description. We generate a unique payment link at wavy.ng/pay/your-link. Share it anywhere your customers are.
3. Get Paid
Customer clicks, pays via card, transfer, or USSD. Flutterwave splits the payment. Money lands in your bank within 24 hours. You get WhatsApp notification.
The Numbers
Speak
Why Nigerians trust Wavy for secure, fast settlements.
Your Bank.
Your Link.
Your Money.
No account. No waiting. No complexity. Enter your bank details and start collecting payments in the next 60 seconds.
Create My Payment Link FreeAlready have a link? Check payment status