The rise of digital technology has led to an explosion of mobile apps, which have transformed the way organisations create and deliver value. Besides helping utility providers meet their goals, these apps exist to streamline personal financial operations for individuals everywhere, including those living in Nigeria.
From electricity to airtime/data and TV subscriptions like IPTV, mobile apps power the payment of utility bills, offering convenience, flexibility, and accessibility.
Nonetheless, the sheer abundance of these apps often presents a paradox of choice. Finding the right app can be challenging, given the diversity of payment needs.
To this end, we’ve curated some of the best apps that allow you to pay bills and utilities online today, based on ease of use, app features, security, and other relevant factors.
Best Apps to Pay Bills and Utilities Online in Nigeria
Some of the best apps to pay bills and utilities online include Cardtonic, Koyn, PayPower, Pouchers, Lumia NG, and MeterToken.
| S/N | Provider | Special Offers | Payments Services | Notable Feature |
| 1. | Cardtonic | Up to 5% cashback | Electricity, airtime/data, internet, TV, betting | Instant top-up. Flexible payment options |
| 2. | Koyn | Not Specified | Electricity, airtime/data, internet, TV, betting | Flexible funding with crypto |
| 3. | Pouchers | Not specified | Electricity, airtime/data, internet, TV, betting | Spending analytics tools |
| 4. | Lumia NG | Not specified | Electricity | Reseller Program |
| 5. | MeterToken | Not specified | Electricity | Account management tools. Flexible payment options |
| 6. | PayPower | Not Specified | Electricity, airtime/data | Transaction management tools. Flexible payment options. |
1. Cardtonic
Cardtonic is the No. 1 app for paying utility bills in Nigeria. It is well-suited for recurring bills, whether for electricity, airtime/data, cable TV, or the internet. It’s also the app with the most flexible payment options, including bank transfers, mobile wallets, and funding with gift cards, so as a customer, you’re never out of options.
To get started, you just need to download the app and register. Then, recharge your wallet to pay any utility bill. There are zero delays. Electricity tokens or airtime/data will be delivered almost instantly after purchase. There are also zero hidden charges. You only incur standard ones.
Security is another standout feature of the Cardtonic app. It’s surely one of the most secure platforms out there with advanced encryption. Therefore, you do not have to worry about the safety of your funds. Best of all, the app’s navigation is as seamless as possible. You will never get stuck or have to fumble around. The interface is designed to guide you through each task until it is completed.
Additionally, Cartonic provides tools for automating recurring payments. That way, you never miss any pending subscriptions. You can also set reminders to fund your wallet ahead of any future payment.
2. Koyn
Koyn is a crypto platform that goes beyond buying and selling tokens to let you pay utility bills with a few clicks. Koyn handles all sorts of bills, from electricity to airtime/data, TV, internet, and even betting.
Koyn provides its own mobile app to offer a customised user experience, greater functionality, and personalisation. You can pay bills seamlessly without delays. Once you download the app, go ahead and create an account, then choose the utility bill, enter your details and confirm the payment. It is fast and reliable, and it is secured with top-tier encryption plus 2FA authentication.
Furthermore, payment options on Koyn are also flexible and never limited. You can fund your Koyn mobile wallet either via bank transfer to your virtual account or by converting your crypto to Naira on the app.
3. Pouchers
If you need an advanced bill payment platform, then Pouchers is your go-to app. But beyond bill payments, you also have a platform that facilitates international payments via virtual cards and ensures seamless money transfers, all within a single app. You can buy electricity tokens from EKEDC, shop on Amazon, and send money to friends all at once.
As if that isn’t enough, Pouchers provides tools for scheduling and automating bills so you need not worry about missing your TV subscription or even electricity payments. And then, whenever you wish to know where all your money went, you have a simple tool in the app that lets you analyse your spending.
4. Lumia NG
Lumia provides a dedicated app that streamlines electricity bill payment. You easily make a prepaid, postpaid or meter account payment right within its web platform and get credited in minutes.
The buying process is straightforward; you key in your details and tap Buy Now. It takes you to the next page to confirm details and pay. And then, you are provided with a variety of payment options, from bank transfers to debit cards, e-Naira, and USSD. It is super quick and convenient.
Additionally, Lumia has greatly expanded its value chain by allowing regular users to participate as resellers. This means you will not only consume electricity tokens, but you can also earn money running your electricity vending business at a low cost.
5. MeterToken
How about an exclusive platform for recharging electricity bills? That’s what MeterToken is about. No need for multiple functionalities or features. A dedicated platform handling electricity bill payment is all you need. You can purchase electricity tokens from any DisCo via the web or mobile app.
Best of all, the electricity purchase process is simple. Just head to the platform and choose your provider, then supply your details. Be sure to confirm your details before you tap Pay Now. Then you’re on your way.
Meter Token provides comprehensive tools for payment management. You can view your account history, receive notifications, and generate receipts seamlessly.
6. PayPower
Paying for utility bills has never been easier than with Paypower. Its dedicated platforms allow users to obtain instant electricity top-ups at any time and from various Distribution Companies (DisCos) throughout the country. Besides, you can top up airtime or data and have credit delivered to your mobile account in minutes, if not seconds.
While it’s a relatively new platform, PayPower provides essential features that make the tracking of transactions a breeze. You can view, analyse and download your transaction history as a document.
Getting started on PayPower is easy; you only need to sign up with your mobile number and email. Payment options aren’t limited either. You can pay via a bank transfer, debit card, or USSD.
Frequently Asked Questions About Paying Bills and Utilities Online
- What is the Best App to Pay Bills and Utilities?
Cardtonic is the best app for paying bills and utilities in Nigeria, thanks to its reliability, cashback offers, security, and instant credit upon recharge.
- Is It Safe to Pay Bills Online in Nigeria?
Yes, it’s generally safe to pay bills online in Nigeria. However, it’s advised that you stick with reliable apps. Platforms like Cardtonic are secured with advanced encryption, ensuring that your personal information is safe.
- Are There Extra Charges for Paying Bills Online?
No, there aren’t any extra charges associated with bill payment. Most platforms charge a standard fee. However, the best way is to check with your payment provider.
- How Much is a StarTimes Monthly Subscription in Nigeria?
It all depends on your choice and preferences. StarTimes subscription prices range from ₦ 2,100 to ₦21,000. The lowest plan is Startimes Nova, while the highest plan is Startimes Chinese.
- How Much is DSTV Subscription?
The price for DSTV subscription ranges between ₦11,000 and ₦44,500. The cheapest subscription plan is DSTV Padi, while the most expensive plan is DSTV Premium. No two plans are the same. It’s up to you to choose which ones match your expectations.
Conclusion
Paying bills and utilities online in 2025 has never been easier, thanks to reliable platforms like Cardtonic, Koyn, PayPower, Pouchers, Lumia NG, and MeterToken.
These apps combine security, convenience, and speed to simplify everyday payments, from electricity to airtime, data, and TV subscriptions. Whether you prefer cashback rewards, crypto funding, or flexible payment options, there’s a platform for you.
Ultimately, Cardtonic remains the most trusted choice for anyone seeking a seamless, secure, and rewarding bill payment experience in Nigeria.
