Web, Android and iOS. Live in about 8 weeks.
A fast, dependable utility-payments platform for Akwa Ibom, Port Harcourt and the wider South-South first. Customers fund a wallet and buy data, airtime, electricity tokens and cable TV. If a transaction fails, they get their money back automatically.
Prepared for Wisdom, Victor Ben and the WPAY management team by Edidiong Umana (Defi Messiah), Shonin Studio.
Core scope
Web app (any phone browser), Android app, iOS app, admin dashboard and backend.
Sign-up and login with phone number + OTP, transaction PIN, and "forgot PIN" recovery.
Funding through a dedicated virtual bank account per customer, plus card payments. Balance and full transaction history.
Airtime and data (MTN, Airtel, Glo, 9mobile); electricity, prepaid and postpaid (PHED first, other DisCos through the same API); DStv, GOtv and StarTimes.
Meter-number and smartcard verification before payment.
Failed transactions are refunded to the wallet automatically. Pending ones are re-checked, and the customer is kept informed.
Receipts in the app plus SMS or email, saved beneficiaries, in-app help, a WhatsApp support link, and "report a problem" on each transaction.
Live transactions, customer lookup, manual refund and requery, pricing and margin control, provider float balance, and daily reports.
Encrypted secrets, transaction PIN, rate limits, basic fraud rules and audit logs.
Screens for WPAY on MiniPay and USDT payments (screens only).
Requested by the WPAY team: fund a betting wallet from WPAY balance (pick platform, enter account ID, pay). 18+, planned, not in the current scope.
Built for early growth.
Start date and time for a purchase, including recurring top-ups. Rules TBC.
Bonus for the referrer and the new user. Amount and qualifying spend TBC by WPAY.
On selected purchases, with a cap per user. Rates and caps TBC by WPAY.
Created and managed in the admin dashboard.
Supported in the first version.
Timeline
Build starts. CAC/KYC, app store accounts, domain and provider sign-ups begin in week 1.
Working web app plus Android and iOS test builds, live sandbox transactions and an admin demo.
Live in production, apps submitted or approved, and handover complete.
Outside our control: provider KYC approvals, Apple and Google review, and Google Play's 14-day closed test (with 12 testers) for new personal developer accounts.
Fixed price, all-inclusive: everything in scope, Apple and Google developer accounts, domains and hosting servers. Accounts are opened in WPAY's name.
- ✓Source code ownership on final payment
- ✓30 days of post-launch bug fixes
- ✓Admin training (5 sessions)
- ✓Deployment and operations guide
- ✓App store listing setup
Hosting and running costs, API wallet float, SMS, payment and transaction fees, CAC/NDPC registrations, marketing and legal.
Next steps
- 01WPAY confirms the plan and pays the 40% deposit.
- 02WPAY shares CAC documents, director KYC and a corporate bank account for Paystack and VTpass sign-up.
- 03WPAY provides logo and brand assets, preferred domain, support WhatsApp number and email.
- 04WPAY names one decision-maker who can give feedback within 48 hours.
- 05WPAY confirms rules for referrals, cashback and scheduled purchases.
- 06Build starts; app store accounts, domain and provider sandboxes set up in week 1.
Edidiong Umana · edidiong.umana@celo.org · edidiongumana.tech