The Full KivoraPay Payment Journey

A step-by-step walkthrough of how a payment works: from selecting your bill to receiving confirmation on-chain.

This guide walks through the complete KivoraPay payment experience from start to finish: covering both the user side and, soon, the merchant side. Here is exactly what happens at each step.

Step 1: Open KivoraPay and choose what to pay for

When you open KivoraPay, you see all the payment categories available: electricity, airtime, cable TV, flights, food, clothing, and more. Select the category that matches what you want to pay for.

Step 2: Enter your payment details

Fill in the details for your specific payment. Meter number for electricity. Phone number for airtime or data. Smartcard number for cable TV. Flight details for travel. The form adjusts to what you are paying for: you only ever see the fields that are relevant.

Step 3: Review the payment summary

Before anything is charged, KivoraPay shows you a full summary of what you are about to pay for: including the exact amount required in USDT, USDC, or BTC. You see the naira value, the crypto equivalent, and all the details of the bill. Confirm when you are ready to proceed.

Step 4: Choose how you want to fund the payment

There are two ways to send crypto through KivoraPay. You can fund your account in advance and pay bills from your available balance, or you can send directly for a specific bill when you need to pay it. Both lead to the same result: your bill gets paid, no P2P required.

Way 1: Fund your KivoraPay account (recommended for regular users)

This is the simplest approach if you use KivoraPay regularly. You top up your account with crypto once - or whenever your balance runs low - and then pay any bill directly from your available balance without needing to send crypto each time.

1. 1

   Go to your dashboard and tap "Fund Account" (or "Deposit").

2. 2

   Select your asset: USDT, USDC, or Bitcoin. Your unique deposit address for that asset is shown.

3. 3

   Copy the address and send crypto to it from your exchange (Bybit, Binance, OKX, Coinbase, etc.) or wallet (Phantom, Trust Wallet, Backpack). Always select Solana as the network for USDT and USDC.

4. 4

   Your payment value is credited to your account automatically when the transaction is detected on-chain. For USDT and USDC this is near-instant. For Bitcoin it takes around 10–30 minutes (two confirmations).

5. 5

   Once your balance is available, go back to the dashboard, choose any bill category, enter your details, and pay. Your available balance covers it immediately - no need to send crypto again.

Way 2: Send crypto for a specific bill (per-payment flow)

If you prefer to send crypto only when you have a specific bill to pay - without maintaining a balance - KivoraPay gives you three options to send the exact amount required:

1. 1

   QR Code: A QR code is displayed with the Solana receiving address and exact amount pre-filled. Open your exchange app (Bybit, Binance, OKX, or whichever you use), go to withdraw or send, select your token and Solana as the network, and scan the QR code. The address and amount fill automatically. Confirm and send. Best for mobile exchange users.

2. 2

   Open in Wallet (Deep Link): If you have a Solana wallet app on your phone such as Phantom or Trust Wallet, tap "Open in Wallet." Your wallet opens with the payment details already filled in. You just approve. Best for users with a Solana wallet installed.

3. 3

   Copy Address: Tap "Copy Address" and then "Copy Amount" separately. Go to your exchange or wallet, paste the address, enter the amount, select Solana as the network, and send. Best for desktop users or anyone who prefers manual control.

Step 5: Waiting screen (per-payment flow only)

If you are sending per-payment, KivoraPay shows a waiting screen after you initiate the send: "Waiting for your payment on Solana." A timer shows how long the payment window remains open - typically 30 minutes - so your rate does not expire while the transaction is in transit. If you funded your account in advance, this step is skipped entirely.

Step 6: KivoraPay detects the payment

KivoraPay monitors your receiving address on Solana in real time. The moment your transaction is confirmed on-chain, KivoraPay marks it as received and locks your rate at that exact point. For USDT and USDC on Solana, this is near-instant.

Step 7: Processing

KivoraPay shows "Payment received. Processing your bill." The conversion happens in the background and the payment instruction is sent to the biller through the relevant payment provider. This usually completes in seconds.

Step 8: Confirmation

You see a success screen showing everything in one place:

1. 1

   What was paid for and the biller confirmation reference.

2. 2

   The amount paid in USDT, USDC, or BTC.

3. 3

   The naira equivalent at the locked rate.

4. 4

   The Solana transaction ID so you can verify the payment on-chain independently.

5. 5

   An option to save or share your receipt.

Merchant side: coming soon

KivoraPay is building both sides of the payment experience. Alongside the user flow above, we are developing the merchant side: enabling businesses and physical locations to accept crypto payments directly. This includes POS terminals where customers can pay in-store using their KivoraPay balance or by scanning a QR code. The merchant guide will be published here as that part of the product goes live.