Power Your Digital Life.Build Your Digital Business.
Buy essential digital services instantly, grow your own branded online storefront, and unlock opportunities to earn through the Paynest reseller and referral ecosystem.
The Paynest Ecosystem
Paynest
Customer
Services
Reseller
Own Store
Referral
Network
Digital Business
Shop Paynest
Featured products
Phones, accessories, components and electronics selected for everyday tech needs.
The Catalogue
Everything You Need. One Digital Platform.
Mobile Data
Stay connected with convenient data services.
Airtime
Recharge instantly whenever you need it.
Bills & Utilities
Access essential digital payment services.
Entertainment
Digital entertainment and subscription services.
Education
Education-related digital services.
More Services
The platform keeps expanding.
Simple by Design
Get What You Need in Seconds.
01
Choose
Browse the service you need.
02
Pay
Use your wallet balance or a supported funding method.
03
Receive
Your transaction is processed and your service is delivered.
Referral & MLM Membership
Start Earning Without the ₦30,000 Storefront.
Activate your MLM/store membership for ₦15,000. You get an instant ₦3,000 credited straight to your VTU wallet, plus you become eligible to earn commission from your referral network and work toward leadership bonuses as you rank up.
Annual MLM Membership
₦15,000
₦3,000 instant wallet credit, plus commission on every referral
What you can earn per referral level
Level 1
Up to ₦4,000
Level 2
Up to ₦2,000
Level 3
Up to ₦1,600
Level 4
Up to ₦1,200
Renews annually at ₦15,000 to keep your commission eligibility active.
Leadership Bonus
The bigger your network, the bigger your bonus.
As qualified members join your network across up to 4 levels, you climb Paynest's rank ladder — and each rank unlocks its own leadership bonus.
Jade Leader
500 PV · 50 active members
₦50,000 Cash or 100GB Data
Sapphire Director
2,500 PV · 250 active members
Premium Smartphone
Ruby Ambassador
10,000 PV · 1,000 active members
Laptops & Office Setup
Diamond Legend
50,000 PV · 5,000 active members
Mini-SUV / Car Award
For Entrepreneurs
Don't Just Use the Platform.Build Your Own Digital Store.
Turn Paynest's digital service ecosystem into your own branded online business.
Your Brand
Your Store
Customers
Reseller Activation
Launch Your Own Paynest Reseller Business
Get access to the Paynest reseller ecosystem and build your own branded digital service storefront.
₦30,000
Reseller Activation
Grow Together
Share Paynest. Grow Your Network.
Activate your ₦15,000 MLM/store membership to become immediately eligible for MLM commissions, receive your personal referral link, participate in cumulative ranks, and earn eligible store affiliate commissions.
Activate for ₦15,000
Get your personal link
Share with your network
Earn MLM commissions
Earn eligible store commissions
Build your rank
Your Network, Visualized
See Your Network Grow.
Your referral network gives you a clear view of the people connected to your Paynest journey.
You
Direct A
Member
Member
Member
Member
Direct B
Why Paynest
One Platform, Built to Compound.
Fast
Get digital services without unnecessary complexity.
Multiple Services
One platform designed for an expanding product ecosystem.
Wallet
Keep funds available for convenient transactions.
Your Store
Resellers can establish their own branded storefront.
Referral
Share your personal referral link with your network.
Network
Track your growing Paynest genealogy.
Storefront Showcase
Your Brand. Your Store. Your Customers.
Your storefront doesn't have to look like everyone else's.
Make It Yours
Make Your Store Yours.
Choose your identity, showcase your products and create a storefront your customers recognize.
Logo
Brand Name
Primary Color
Products
Hero Banner
Community Savings
Paynest Circles. Save Together, Earn Your Turn.
Circles bring the trusted rotating-savings model onto Paynest. Admins and active resellers can open a circle; any active account can join with an invite code, contribute on schedule from their VTU wallet, and receive a payout when it's their turn.
Fixed Contribution & Schedule
Every circle has a set contribution amount, a frequency (daily, weekly, every 2 weeks, or monthly) and a fixed member limit agreed upfront.
Join With an Invite Code
Any active account can join an open circle using its invite code. Your payout position is assigned the moment you join and stays fixed for the cycle.
Wallet-Safe by Design
Contributions are debited from your existing Paynest VTU wallet with atomic, balance-checked transactions — no member can pay the same cycle twice.
Payout Straight to Your Wallet
Once every active member has paid the cycle, the scheduled payout is released directly into that member's VTU wallet and logged in the normal transaction ledger.
Create or join a circle
Admins & active resellers create; anyone active can join by code
Contribute on schedule
Pay each cycle from your VTU wallet before the deadline
Get paid in your turn
Payout releases once the full cycle is funded
Circles are available to signed-in Admins and active resellers. Sign in or activate your account to create or join one.
Reliability
Built for Everyday Digital Transactions
Questions
Frequently Asked Questions
Paynest is a digital services platform where customers can purchase everyday digital products, while members can participate in referrals, commissions and the reseller storefront ecosystem.
Your Digital Journey Starts Here.
Whether you're here to access digital services, build a reseller business, or grow your Paynest network, there's a place for you.
Paynest Commerce
One SaaS platform. Digital services and physical commerce.
Paynest is expanding beyond digital transactions. Customers can shop phones, accessories, components and electronics while resellers and affiliates build new earning opportunities around the same platform.
Digital Library
Ebooks and Files. Learn, Read, Sell.
Paynest now has a digital library. Customers buy ebooks and files from their wallet and download them straight away. Active resellers can sell their own PDF and EPUB titles to the whole Paynest community once Paynest has approved them.
Buy and download
Pay from your VTU wallet, or as a guest with just your email. Download straight away, with a limited number of downloads per purchase.
Reviewed before listing
Every title is checked by Paynest before it appears in the library, and the seller must confirm they own the rights.
Sellers set the price
Choose your price and an affiliate percentage within Paynest's limit. After the hold period you receive the price less the affiliate share and the platform fee.
Affiliate share across four levels
Level 1 is the buyer's referrer, or the storefront reseller when the buyer has none. Levels 2 to 4 follow level 1's referral chain, paid only to eligible members.
Contact Paynest
We are here to help.
Talk to our team about digital services, reseller opportunities, storefronts, physical products, payments or orders.
Office
2nd Floor, Olohunloseyi Shopping Complex, Opp. A Division Police Station, Muritala Muhammed Road, Ilorin, Kwara State.
Support