Banking Solutions At Your Door Step

RubikPay is a financial technology company that provides innovative, end-to-end technology platforms addressing mobile lending, financial inclusion, reconciliation and payment processing inefficiencies across multiple sectors of the Nigerian economy.

Our Services

Mobile and Web Payment Applications

Payment services to enable ease of payments for bills and collections.

Agent Banking Solutions

An agency banking initiative to help meet the needs of the unbanked and underbanked.

Merchant Service

RubikPay with its POS solution offers services to different merchant applications as a platform for 3rd parties.

Mobile Lending

Apply for loans seamlessly and get disbursed in the shortest possible time. Inclusive of credit scoring, risk checks and well defined algorithms.

Consulting & Technical Services

Provision of consultancy & technical services such as integrations to payment gateways, IT infrastructures and other medium for payment processing

Customized Digital Banking Solutions

Customization of digital banking solutions for several payment chanels eg. USSD, Web, Mobile etc.


PayBuddy is a product of RubikPay Ltd. that was designed to provide micro-lending capabilities amongst others. PayBuddy is a mobile, web and USSD based software platform that enables users receive their loans at the speed of light.

PayBuddy is backed by an efficient payment and collection solution, credit scoring capability, bulk pay-out (disbursement) and auto-reconciliation services.


RubikCube is an "Agency Lending Arrangement" whereby an agent offers limited scale banking & financial services to the financially excluded via approved outlets.

Signing up for "Agency banking" with RubikCube is a breeze and takes less that 2 hrs to complete. Sign up now and start making money today!


Our Vision & Mission


Our Mission & Vision is to make all payment solutions faster, simpler and efficient for individuals, corporate clients and MSME's.

Contact Us

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