OnePipe Unveils PaywithAccount to Help Businesses Enhance Operations

Nigerian fintech infrastructure provider OnePipe has launched PaywithAccount, a direct-from-account payment solution designed to help businesses automate collections, reduce delays, and improve cash flow predictability.

With PaywithAccount, businesses can securely collect payments directly from customer bank accounts—without the need for cards, manual follow-ups, or complex reconciliations. This innovation empowers small businesses across Nigeria by eliminating late payment issues, streamlining financial operations, and granting them better control over their cash flow.

For many Nigerian small business owners, managing cash flow is an ongoing struggle. Whether it’s schools facing delayed tuition payments, logistics firms handling inconsistent driver remittances, or cooperatives managing member contributions, traditional payment collection systems remain inefficient and time-consuming. A PwC study revealed that 48% of Nigerian MSMEs have experienced delayed payments, with 33% of affected businesses reporting severe consequences due to manual invoicing, high transaction fees, and constant follow-ups.

The ability to receive timely payments is crucial for business sustainability and growth. “As a school owner, I want to focus on my students, not spend hours tracking unpaid fees,” said Mrs. Olumide Ashade, Founder of King’s Court School in Lagos. “Many parents pay in installments, but managing these payments manually has been stressful. PaywithAccount allows us to offer flexibility while ensuring financial stability.”

At an exclusive launch event in Lagos, OnePipe introduced PaywithAccount through insightful discussions and live demonstrations featuring key industry players. Speaking at the event, Ope Adeoye, Founder of OnePipe, emphasized the company’s mission to empower Nigerian businesses.

“Small businesses are the backbone of our economy, but many struggle simply because getting paid is a challenge,” Adeoye noted. “We believe financial technology should remove obstacles, not create them. PaywithAccount helps businesses focus on what truly matters—growth, innovation, and serving their customers.”

The event featured prominent speakers, including Ngover Ihyembe-Nwankwo, Executive Director at Nigeria Inter-Bank Settlement Systems PLC (NIBSS); Faith Ojeiku, Head of Embedded Finance at Credit Direct Limited; Adedeji Olowe, Founder of Lendsqr; and Ajibade Laolu Adewale, Chairman of CeBIH.

In her keynote address, Ngover Ihyembe-Nwankwo commended OnePipe for its contributions to the digital payment ecosystem.

“PaywithAccount is a testament to the power of collaboration in enhancing Nigeria’s digital payment landscape,” she said. “At NIBSS, we are committed to enabling financial innovation within a framework of interoperability, ease of connectivity, and cost optimization.”

Echoing this sentiment, Adedeji Olowe, Founder of Lendsqr, highlighted how reliable payment collection is crucial for lenders:

“Payment delays are a significant problem for lenders. Many of our partners have transitioned from debit cards to PaywithAccount, which ensures loan repayments remain on schedule.”

As Nigeria’s fintech ecosystem continues to evolve, PaywithAccount stands out as a revolutionary tool that simplifies payments, enhances financial predictability, and ultimately drives business growth.