PAY YOUR BILLS.
EARN REWARDS.
DO MORE WITH YOUR MONEY.
Airtime • Data • Electricity • Cable TV • Rewards
✦ Your first transaction starts earning Union Points.
Everything You Pay For,
Consolidated.
Airtime
Instant top-up for MTN, Airtel, Glo & 9mobile. Save numbers, never re-enter again.
Data Bundles
All networks, all plans. From 1GB to 100GB — delivered instantly to the line.
Electricity
Prepaid & postpaid meters validated in real-time. Token delivered instantly.
Cable TV
DSTV, GOTV & Startimes subscriptions with smart card validation.
Dollar Card
Virtual USD cards funded from your wallet. Shop anywhere online globally.
Bill Reminders
Never expire. Get notified days before your meter, cable, or data runs out.
Beyond a VTU App
A Payment Ecosystem
Features built for how Nigerians actually manage bills.
Set It. Forget It.
Configure automatic payments for recurring bills. Your wallet handles electricity, cable TV, and subscriptions on schedule — no action needed.
Active Auto Pays
GOTV Max
₦6,200 · Monthly
EKEDC Prepaid
₦10,000 · Bi-weekly
Glo 10GB
₦2,500 · Monthly
Pay Everyone's Bills From One Place
Save labelled accounts for the people you care for — Mother's meter, Tunde's DSTV, or Femi's data. One tap payment, no re-entering details.
Saved Accounts
Mum's Meter
EKEDC
Tunde's DSTV
DSTV
Femi's Data
MTN
Chidi's Airtime
Airtel
Every Payment Earns You More
Earn Union Points on every transaction. Redeem them for airtime, data bundles, or discounts on future bills. The more you pay, the more you save.
Available Points
4,820
12,400
Total
7,580
Used
Gold
Rank
Up and Running in 4 Simple Steps
Create Your Account
Sign up in under 2 minutes. Verify your email and phone number — your Kionara wallet is instantly ready.
Fund Your Wallet
Add money via bank transfer, card, or USSD. Your balance is credited instantly and secured in your Kionara wallet.
Pay Any Bill
Select your service, enter the details, confirm with your PIN. Done. Token or airtime delivered in seconds.
Earn & Save
Every payment earns Union Points. Set reminders or autopay so you never expire. Get rewarded for loyalty.
Account Types
Built for
Everyone.
Whether you're paying personal bills, managing a business, or selling services as an agent — there's a dedicated environment built specifically for your workflow.
Individual
Personal bill management & rewards.
- Auto Pay scheduling
- Family & Friends Hub
- Union Points on every pay
Business
PopularBulk management & staff control.
- Everything in Individual
- Bulk airtime & data
- Multiple meter management
- Staff sub-accounts
- Business wallet & API access
Agent
Field sales & commission earning.
- Dedicated agent wallet
- Commission on every sale
- Agent leaderboard
- Instant withdrawals
Your Money is Safe Here
Kionara's security is visible, not hidden. Every sensitive action requires confirmation. Every session is tracked. Every transaction is encrypted.
Transaction PIN
Every debit requires your 4–6 digit Transaction PIN — separate from your login password.
End-to-End Encryption
All your data and transactions are encrypted in transit and at rest.
Device Tracking
New device logins trigger instant alerts. Your account, your devices.
Two-Factor Auth
Add an extra layer of security with TOTP or SMS 2FA on sensitive actions.
Fraud Detection
Real-time velocity checks and anomaly detection on every transaction.
OTP Expiry
All one-time codes expire within 5 minutes. No lingering attack windows.
Safe Home For Payment
Stop paying one app for airtime, another for electricity, another for cable. Kionara is the safe home for all your payments — smarter, faster, rewarding.
No credit card required · Instant wallet activation · Cancel anytime