Serious about keeping your money safe.

Your money

• Your account is held with Safe Haven Microfinance Bank Limited, licensed by the Central Bank of Nigeria.
• Every payment needs your transaction PIN or your fingerprint.
• Add an authenticator app for two-factor sign-in.
• Set your own daily and per-transfer limits, lower than your tier allows.

Your phone

• Under Attack mode: shake your phone once and PayIQ shows a decoy balance or a blank screen. Only you can bring it back, even after a restart.
• PayIQ locks itself when you step away. Open it with your PIN or fingerprint.
• Hide your balance until you tap it, and block screenshots.
• When you switch apps, PayIQ covers your screen so nobody sees it in the app switcher.

Your data

• We follow the Nigeria Data Protection Act 2023.
• Data is encrypted in transit and at rest. Your BVN and NIN get an extra layer of encryption with keys we never store next to the data.
• Ibra’s voice recordings are deleted as soon as they are read.
• We never sell your data or use your transactions to target adverts.

For businesses

• Roles and permissions for every team member.
• Approval rules by amount, signing mandates and self-approval blocking.
• A full audit log of who did what, and when.

Found a security issue?

Please email security@payiqapp.com. We take every report seriously and will reply quickly.