# RizPay

> Nigeria's AI-powered bill payment assistant. Pay bills using natural language through WhatsApp.

## About

RizPay is a Nigerian fintech startup founded in 2024 that enables users to pay bills through conversational AI on WhatsApp. No complex forms, no navigation - just chat naturally in Nigerian English.

## AI WhatsApp Bot

RizPay's core product is an AI-powered WhatsApp assistant that understands natural language bill payment requests.

- **WhatsApp Number:** +1 213 695 7840
- **Direct Chat Link:** https://wa.me/message/I2LHRKKKJ3LRB1

The AI bot:
- Understands Nigerian English, pidgin, slang, and abbreviations
- Processes bill payments through conversation
- No app download required - works directly in WhatsApp
- Available 24/7
- Handles airtime, data, electricity, and cable TV payments

## Services

- Airtime Recharge: MTN, Glo, Airtel, 9Mobile
- Data Bundles: All major Nigerian networks
- Electricity Bills: All Nigerian distribution companies (EKEDC, IKEDC, AEDC, PHEDC, etc.)
- Cable TV: DSTV, GOTV, Startimes

## Key Features

- Natural language processing that understands Nigerian English, slang, and pidgin
- WhatsApp integration - no app download required to get started
- 256-bit bank-level encryption
- 99.2% transaction success rate
- Average 5-second processing time
- Available 24/7

## How It Works

1. Start a chat with the RizPay AI bot on WhatsApp (+1 213 695 7840)
2. Tell the AI what you want to pay in plain language (e.g., "I wan buy 1GB MTN data" or "recharge 500 naira airtime for 08012345678")
3. The AI confirms details and processes payment
4. Receive instant confirmation and delivery

## API for Businesses & Developers

RizPay offers a REST API for businesses and developers to integrate bill payment services into their own applications.

- **API Documentation:** https://www.rizpay.app/developers/docs
- **API Quickstart:** https://www.rizpay.app/developers/docs/getting-started/quickstart
- **Developer Agreement:** https://www.rizpay.app/developer-agreement
- **Sandbox Environment:** Available for testing
- **Webhook Support:** Real-time transaction notifications

Use cases:
- Integrate bill payments into your app or platform
- Automate bulk airtime/data distribution
- Build reseller or agent platforms
- Add utility payments to fintech apps

## Developer API Documentation

Every docs page is available as raw markdown by appending .md to its URL. The complete documentation in a single file: https://www.rizpay.app/llms-full.txt

AI tools can also connect to the docs through an MCP server at https://www.rizpay.app/api/mcp, which exposes search and full-page tools over the developer and storefront docs. See the Build with AI guide for setup in Claude, ChatGPT, and Cursor.

- [Introduction](https://www.rizpay.app/developers/docs/overview/introduction.md): Learn about the RizPay Developer API
- [Build with AI](https://www.rizpay.app/developers/docs/build-with-ai.md): Connect the docs MCP to Claude, ChatGPT, and Cursor to build against the API faster
- [Quick Start](https://www.rizpay.app/developers/docs/getting-started/quickstart.md): Make your first API call in 5 minutes
- [First Purchase in 5 Minutes](https://www.rizpay.app/developers/docs/getting-started/first-purchase.md): Complete a sandbox purchase end to end
- [Authentication](https://www.rizpay.app/developers/docs/getting-started/authentication.md): API keys, scopes, and environments
- [Error Handling](https://www.rizpay.app/developers/docs/getting-started/errors.md): Response format and error codes
- [Rate Limiting](https://www.rizpay.app/developers/docs/core-concepts/rate-limiting.md): Understand API rate limits
- [Pagination](https://www.rizpay.app/developers/docs/core-concepts/pagination.md): Navigate large result sets
- [Duplicate Prevention](https://www.rizpay.app/developers/docs/core-concepts/duplicate-prevention.md): Prevent duplicate transactions
- [Sandbox Testing](https://www.rizpay.app/developers/docs/core-concepts/sandbox.md): Test your integration safely
- [Airtime](https://www.rizpay.app/developers/docs/products/airtime.md): Purchase mobile airtime
- [Data Plans](https://www.rizpay.app/developers/docs/products/data-plans.md): Buy mobile data bundles
- [Electricity](https://www.rizpay.app/developers/docs/products/electricity.md): Pay electricity bills
- [Cable TV](https://www.rizpay.app/developers/docs/products/cable-tv.md): Subscribe to cable TV
- [Webhooks Overview](https://www.rizpay.app/developers/docs/webhooks/overview.md): Real-time event notifications
- [Webhook Events Reference](https://www.rizpay.app/developers/docs/webhooks/events.md): All webhook event types
- [Webhook Security](https://www.rizpay.app/developers/docs/webhooks/security.md): Verify webhook signatures
- [Balance & Transactions](https://www.rizpay.app/developers/docs/account/balance.md): Check balance and history

## API Reference

- [API Explorer](https://www.rizpay.app/developers/docs/api): Interactive API documentation
- [Error Code Registry](https://www.rizpay.app/developers/docs/reference/error-codes.md): Every platform error code, generated from source
- [OpenAPI Specification](https://www.rizpay.app/api/partners/openapi): Machine-readable OpenAPI 3.0 spec for the RizPay API

## Storefront Partner Documentation

Storefront docs pages are also available as raw markdown by appending .md to the URL.

- [Introduction](https://www.rizpay.app/storefront/docs/overview/introduction.md): How the storefront program works
- [Request Access](https://www.rizpay.app/storefront/docs/getting-started/request-access.md): How to apply for a storefront
- [Your Storefront URL](https://www.rizpay.app/storefront/docs/getting-started/your-storefront.md): Subdomain setup and going live
- [Pricing Rules](https://www.rizpay.app/storefront/docs/configuration/pricing-rules.md): Set global, network, and per-product markups
- [Branding](https://www.rizpay.app/storefront/docs/configuration/branding.md): Logo, colors, templates, hero text, and SEO
- [How Payments Work](https://www.rizpay.app/storefront/docs/understanding/how-payments-work.md): User account lifecycle and transaction flow
- [Transactions and Earnings](https://www.rizpay.app/storefront/docs/understanding/transactions-and-earnings.md): How your margin is calculated and credited

## Storefront Partner Program

RizPay offers a white-label bill payment storefront for partners who want to offer bill payments to their customers without building their own integration.

- Storefront Program Page: https://www.rizpay.app/storefront
- Storefront Documentation: https://www.rizpay.app/storefront/docs
- Storefront Partner Agreement: https://www.rizpay.app/storefront-partner-agreement
- Developer Agreement: https://www.rizpay.app/developer-agreement

How it works:
- Partner applies for a storefront at my.rizpay.app
- Partner gets a branded subdomain on payfront.store (e.g. yourbrand.payfront.store)
- Customers register and fund wallets directly on the storefront (RizPay manages accounts)
- Partner configures pricing markup rules (global, per-network, per-product)
- Partner earns the markup margin on every transaction automatically
- No wallet funding required from the partner
- No API integration required

## Mobile & Web Apps

- iOS App: https://apps.apple.com/ng/app/rizpay-simplify-payments/id6741325406
- Android App: https://play.google.com/store/apps/details?id=app.rizpay.my
- Web App: https://my.rizpay.app

## Contact

- Website: https://www.rizpay.app
- Email: support@rizpay.app
- Support WhatsApp: https://wa.me/message/I2LHRKKKJ3LRB1

## Social Media

- Twitter: https://twitter.com/rizpaydigital
- Facebook: https://www.facebook.com/rizpaydigital
- Instagram: https://www.instagram.com/rizpaydigital
- LinkedIn: https://www.linkedin.com/company/rizpaydigital
- TikTok: https://www.tiktok.com/rizpaydigital
- YouTube: https://www.youtube.com/rizpaydigital

## Links

- Consumer Pricing: https://www.rizpay.app/pricing
- Developer/API Pricing: https://www.rizpay.app/developers/pricing
- API Documentation: https://www.rizpay.app/developers/docs
- FAQ: https://www.rizpay.app/faq
- Blog: https://www.rizpay.app/blog
- Privacy Policy: https://www.rizpay.app/privacy-policy
- Terms of Service: https://www.rizpay.app/terms-of-service