Merchant Acceptance
Live in Nigeria today.
KREO connects any Nigerian merchant to the eNaira in under five minutes. KREO integrates all four of Nigeria's regulated payment rails — CBN eNaira, NIBSS iGree, NIBSS NIP, and NIBSS NQR — into a single self-service onboarding and settlement flow.
Capabilities
Self-service onboarding
BVN verification via NIBSS iGree consent — no branch visit required.
NQR QR code issuance
Nationally interoperable static and dynamic QR codes registered with NIBSS NQR.
Nightly Naira settlement
T+1 settlement via NIBSS NIP Outward, swept every night at 23:00 WAT.
Transparent pricing
0.6% MDR capped at 200 per transaction — no hidden fees.