How It Works
From phone number to first sale in five steps.
No bank branch. No paperwork. Works on any Android or iOS phone, or via USSD *7000*1# for feature phones.
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01
Download & Register
Install the KREO app (Android or iOS) or dial *7000*1# on any phone. Enter your number, receive OTP.
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02
Verify with BVN
Enter your BVN number. You'll receive a USSD prompt on your BVN-registered phone to confirm your identity consent.
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03
Wallet Created
Your CBN eNaira Merchant Wallet is provisioned instantly. A unique Merchant ID is assigned to your business.
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04
Get Your QR Code
Download your NIBSS NQR-compliant QR code. Print it or display on screen. Any eNaira or NQR-compliant app can scan it.
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05
Settled by Morning
Receive eNaira payments. KREO automatically sweeps your net earnings to your Naira bank account at 23:00 WAT each night.