HocPay is a simple, secure wallet built for everyday payments in Nigeria. Fund your wallet, pay bills, send money, and earn rewards, right from your phone.

Do more in one app
Instant transfers: Move money to friends and family straight from your wallet.

Fund wallet quickly: Keep your balance topped up so payments are always one tap away.

Pay your essentials: Airtime & data, TV subscriptions, electricity tokens, education, and betting top-ups, organized and easy to find.

Real rewards, not just points
Rewards Weekend: Extra benefits on airtime/data purchases during promo weekends.

Cashback on electricity: Earn on eligible payments (above ₦1,000).

Refer & earn: Invite friends and receive bonus cash when they join and use HocPay.

Merchant program (optional)

Ready to grow? Become a HOC Merchant and unlock higher commissions, referral bonuses, premium perks, and priority support.

Built for trust
Face ID/Touch ID & PIN protection.

Friendly support

Need help? Contact [email protected]
from inside the app. We’re here to help.

HocPay brings fast payments, fair rewards, and simple money tools together—so you can focus on life, not on bills.