What each verification step unlocks
Your Naira wallet works as soon as you sign up. BVN verification raises your limits, and ID verification unlocks foreign accounts, virtual cards, gift cards and PayPal invoices.
Last reviewed 13 November 2026
Payyng asks you to verify in steps. Each step unlocks more of the app.
After sign up
- Your Naira wallet.
- Adding money by bank transfer, card or USSD.
- Basic bill payments, with a daily limit on airtime, data and betting.
After BVN verification
- Adding Nigerian bank accounts for withdrawals.
- Higher limits and a more secure account.
After ID verification
- USD, GBP and EUR account details for receiving payments (after proof of address too).
- Virtual dollar cards.
- Gift cards.
- PayPal invoices.
- International airtime.