Built on trust. Protected by design.
Security isn't a feature at MiddlePay, it's the foundation. Every layer of the platform is built to protect your money, your identity and your transactions.
Six layers of protection on every transaction.
Regulated trust accounts
Funds sit in segregated accounts with licensed Nigerian banking partners, never co-mingled with MiddlePay's own money.
End-to-end encryption
TLS in transit and AES-256 at rest. Card data never touches our servers thanks to PCI-compliant tokenisation.
BVN, NIN & document KYC
Every vendor passes identity verification before receiving a single naira.
Real-time fraud monitoring
Pattern detection flags suspicious flows and auto-pauses high-risk transactions for human review.
Independent audits
Annual security audits and continuous penetration testing by accredited firms.
Dispute insurance
When buyers are owed a refund, we make it right, even when the vendor disappears.
Start your next transaction with full protection.
Join thousands of Nigerians using MiddlePay to send, receive and protect every payment.
₦10M+
Protected
500+
Transactions
98.4%
Disputes resolved
2.1 hrs
Avg release