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.
- 01
Download & Register
Install the KREO app (Android or iOS) or dial *7000*1# on any phone. Enter your number, receive OTP.
- 02
Verify with BVN
Enter your BVN number. You'll receive a USSD prompt on your BVN-registered phone to confirm your identity consent.
- 03
Wallet Created
Your CBN eNaira Merchant Wallet is provisioned instantly. A unique Merchant ID is assigned to your business.
- 04
Get Your QR Code
Download your QR code. Print it or display on screen. Any eNaira or NQR-compliant app can scan it.
- 05
Settled by Morning
Receive eNaira payments. KREO automatically sweeps your net earnings to your Naira bank account at 23:00 WAT each night.
How it works for every KREO product.
Each product has its own step-by-step walkthrough.
Merchant Acceptance
The five steps above — from phone number to your first sale.