Pay Bills & Top Up in Seconds Coming Soon
Airtime, data, electricity, cable TV, internet, exam PINs and more, all in one place. Every purchase is paid for instantly and straight from your NAJ Capital wallet, so there is no card, no app switching, and no waiting.
All Your Bills, One Wallet
From a quick airtime top-up to settling the family electricity bill, NAJ Capital VTU covers the payments you make every month. Tap a category to jump to it.
Top Up Any Line, Instantly
Recharge your own number or send credit to family and friends across all major Nigerian networks. Credit lands in seconds.
Airtime on every network
Buy airtime for MTN, Glo, Airtel and 9mobile in any amount you choose.
Stay Online for Less
Pick daily, weekly or monthly data plans for every network, plus dedicated bundles for Smile and Spectranet.
Bundles for every provider
Buy data for the four mobile networks and for fixed providers Smile and Spectranet, all from one screen.
Buy Power, Prepaid or Postpaid
Recharge prepaid meter tokens or settle postpaid bills for every electricity distribution company in Nigeria. Your token is generated and shown right after payment.
Every DISCO, nationwide
Choose your provider, enter your meter or account number, and pay. Prepaid tokens and postpaid receipts are delivered instantly.
Never Miss Your Shows
Renew or upgrade your TV subscription and your favourite streaming plan in a few taps.
Pay TV and streaming
Renew DStv, GOtv and StarTimes packages, or top up Showmax, with your subscription activated right away.
Keep Your Home Online
Renew your home or office broadband subscription with the leading fixed internet providers.
Fixed internet subscriptions
Pay for Smile, Spectranet and Swift plans and get back online without leaving your wallet.
Result Checkers & Exam PINs
Buy the PINs students need for results and registration, generated the moment you pay.
WAEC, NECO and JAMB
Purchase WAEC and NECO result checker PINs and JAMB e-PINs, then view your PIN instantly in your history.
Betting Wallets & Bulk SMS
A couple of extras that round out everything you can do with NAJ Capital VTU.
Fund your betting wallet
Move money from your NAJ Capital wallet straight into your betting account using your customer ID, with no extra fees on the way.
Reach everyone in one send
Send promotions, reminders and alerts to your whole contact list at once with a branded sender ID, paid for from your wallet per message.
Pay in Four Easy Steps
Pick a Service
Choose airtime, data, electricity, TV or any other category.
Enter Details
Add the phone, meter, smartcard or account number and the amount.
Pay From Wallet
Confirm and your NAJ Capital wallet is debited instantly.
Get It Instantly
Airtime, data, tokens or PINs arrive in seconds, saved to your history.
Bills Made Simple and Safe
Paying bills should be the easiest thing you do all day. Here is why customers use NAJ Capital VTU.
Instant Delivery
Airtime, data, tokens and PINs are delivered the moment your payment clears.
Paid From Your Wallet
Every purchase comes straight from your NAJ Capital wallet, no card or extra app needed.
One Place for Everything
Airtime, data, power, TV, internet and exam PINs all live under a single account.
Full Receipt History
Every transaction, token and PIN is recorded so you can always find it again.
Secure by Design
Payments are confirmed against your wallet balance before anything is sent.
Available Anytime
Pay bills around the clock, any day of the week, from wherever you are.
Everything Comes Straight From Your Wallet
There is no separate top-up step and no card details to enter. When you pay a bill, the amount is taken directly from your NAJ Capital wallet balance and the service is delivered at once. Fund your wallet through your personal virtual account, then use it for airtime, data, power and every other bill in one secure place.
Ready to Pay Your Next Bill?
Create your NAJ Capital account, fund your wallet and start topping up in seconds. Bringing Hope Alive.