“BAFF has made my business operations so much easier. I can track my finances and grow faster.”
Tunde A.
Business Owner
Your All-in-One Financial PartnerBanking. Payments.
Banking. Payments.
Loans. Business Growth.
All in One App.
All-in-one finance app for small businesses, USD virtual cards, business loans, offline payments, bill pay, and more — simple, secure, and built for everyday life.
- 20K+Happy Users
- 99.9%Uptime & Secure
- 24/7Customer Support
- Licensed &Regulated
Everything You Need, All in One Place
Send Money
To anyone, anywhereAirtime & Data
Top up airtime & buy dataBill Payments
Pay electricity, TV, internet & moreBusiness loans
Business loans up to ₦10MUSD Virtual Card
Shop & pay globallyBAFF Books
Smart bookkeeping for businessesSell on BAFF
Sell online & grow your businessMore
Explore more featuresBusiness Loans That Empower
Grow Your Business with up to ₦10,000,000
Whether you're starting small or scaling big, BAFF Business Loan gives you quick access to funding you can count on.
- Loans up to ₦10,000,000
- Affordable interest rates
- Flexible repayment plans
- Fast approval in minutes
Global Payments Made Easy
USD Virtual Card
Create your virtual dollar card instantly and pay for subscriptions, ads, shopping and more worldwide.
- Pay for Netflix, Amazon, Spotify, Shein & more
- Run Tiktok & Facebook Ads without limits
- Secure and widely accepted
and more
Credit Score
Knowing your credit score improves your chances of getting a loan and protects your reputation with lenders. See your score, understand what affects it, and take steps that strengthen your access to credit — for business growth, rentals, and everyday financial confidence.
- Stronger loan and credit-line approval odds
- Protect your standing with banks and partners
- Spot issues early and improve over time
Trusted by Thousands
20K+
Active Users
₦1B+
Transactions Processed
99.9%
Uptime
4.8
User Rating
Why Choose BAFF?
Secure & Reliable
Bank-grade security to protect your money.
Fast & Easy
Intuitive app that makes banking simple.
Innovative Solutions
Tools that help you save, invest and grow.
Customer First
We’re here for you, 24/7.
What Our Users Say
“I love the USD card! I can now pay for my subscriptions and run ads without any issues.”
Sarah O.
Digital Marketer
“Paying bills and sending money on BAFF is super fast and convenient.”
Chinedu K.
Software Engineer
FAQs
Frequently Asked Questions
Quick answers to the most common questions about BAFF payments, wallets, and security.
What is offline payment?
Offline payment is a revolutionary approach that allows businesses to process transactions even without a stable internet connection. With BAFF's offline payment solution, businesses can continue operations seamlessly, regardless of connectivity issues.
How does BAFF ensure security of offline payments?
We employ a first-class end-to-end security approach to ensure that our systems are secure right from login to completing your transaction.
Is BAFF Licensed?
Baff is licensed by the Federal Government of Nigeria as a Digital Lender (FCCPC) and the Lagos State Government.
Can BAFF's offline payment solution integrate with our business?
With BAFF's offline payment solution, businesses can continue operations seamlessly, regardless of connectivity issues and you can easily connect any existing bank accounts that you have for funding or withdrawal.
Can I transfer money from bank account to BAFF?
Yes, you can transfer money from your existing bank account to your BAFF wallet by verifying your identity and getting a unique virtual bank account number to transfer funds to.
How do I fund my BAFF wallet?
You can fund your BAFF wallet by bank transfer from an external bank account to your BAFF Virtual account number issued when you verify your identity on BAFF. You can also fund your wallet by CASH through a POS agent.
What type of businesses can benefit from BAFF's offline payment solution?
Any business or person can use BAFF to get paid. Simply provide your customer with your phone number or unique code to enable them pay you.
How can I get started with BAFF's offline payment solution?
Download the BAFF app from the App Store or Play Store to get started.
Take Control of Your Financial Life Today
Join thousands of people and businesses enjoying smart, simple and secure financial services with BAFF.
