Pay anyone, anytime
just by chatting.
Fund your Aurra wallet once. Then send money, buy airtime, split bills — all by chatting on WhatsApp. Type naturally or send a voice note.
Aurra
online
Aurra
online
Simple setup
Up and running in 3 steps
No bank visit, no lengthy forms. Just your phone and 2 minutes.
Create your account
Sign up with your WhatsApp number, full name, and set a 4-digit PIN. Takes under 2 minutes.
Your PIN is hashed and stored securely — Aurra never sees it in plain text.
Link your debit card
Connect your card via Paystack with a one-time ₦50 tokenization fee — fully refunded to you.
Your card details are stored by Paystack, not Aurra. We only hold a secure token.
Chat to pay
Message the Aurra WhatsApp number in plain English. That's it — you're banking.
"Send ₦3k to UBA 0123456789" · "Buy 1GB MTN data" · "How much did I spend today?"
Live examples
See it in action
Real conversations — this is exactly how Aurra responds on WhatsApp.
Aurra
online · end-to-end encrypted
What Aurra can do
Everything in one conversation
Daily payments, bill splitting, voice banking, and spending coaching — all on WhatsApp.
Bank Transfers
Send to any Nigerian bank account instantly. Account name verified before you confirm.
Airtime & Data
Top up any MTN, Airtel, Glo, or 9mobile number in seconds. Any amount, any time.
Voice Messages
Send a WhatsApp voice note and Aurra transcribes it instantly. Talk the way you naturally would.
Bill Splitting
Paid for the group? Tell Aurra to split it. Everyone gets a WhatsApp message with their share and how to pay back.
Spending Coach
Ask "coach me on my spending" and Aurra gives you a personalised insight — not just numbers, but patterns and advice.
Spending Insights
"How much did I spend today?" gets you an instant breakdown by category. Full history on your dashboard.
PIN Security
Every transaction requires your 4-digit PIN. Three wrong attempts locks the account for 30 minutes automatically.
Auto Refunds
If a transaction fails after your card is charged, your money is automatically refunded within 15 seconds.
Always Available
Aurra is live 24/7 — bank at 3am, on weekends, on public holidays. No downtime.
How it really works
Built on trust, designed for safety
Giving payment control to a WhatsApp assistant sounds risky. Here is exactly what happens when you send a payment — no jargon.
What happens when you send a payment
You type
"Send ₦5k to GTB"
Aurra reads it
Understands your intent
You confirm
Check details + PIN
Paystack charges
Your card is debited
Bank receives
Money lands instantly
You type
"Send ₦5k to GTB"
Aurra reads it
Understands your intent
You confirm
Check details + PIN
Paystack charges
Your card is debited
Bank receives
Money lands instantly
Your wallet is held by Paystack, not Aurra
Your wallet balance sits in Paystack's CBN-licensed pool account — the same infrastructure used by Opay and Palmpay. Aurra's database tracks what belongs to you, but the actual money is held by Paystack. You can send it to any bank account anytime.
Aurra understands how you actually type
Powered by Google Gemini, Aurra understands Nigerian English, pidgin, abbreviations, and typos. "abeg send 5k to gtb" works just as well as "transfer ₦5,000 to GTBank". Chat naturally — Aurra figures out the rest.
Your PIN is never stored in plain text
Your 4-digit PIN is scrambled with bcrypt before it is ever saved. Not even the Aurra team can read it. Three wrong attempts locks your account for 30 minutes automatically.
Your card details live at Paystack, not here
When you link your card, Paystack stores the details on their PCI-DSS certified servers. Aurra only holds a secure token — not your card number, CVV, or expiry date.
Pricing
Simple. Transparent. Fair.
Small flat fees per transaction. No monthly subscription. No hidden charges. Fund your Aurra wallet once and spend as you go.
How the Aurra Wallet works
You deposit money into your Aurra wallet via Paystack. That balance sits securely in your account. When you transact, we debit your wallet and process the payment. You only pay the small Aurra fee — Paystack's processing fee on deposits is charged by them, not us.
Airtime & Data
Below ₦5,000
per transaction
Small flat fee for everyday airtime and data purchases.
- MTN, Airtel, Glo, 9mobile
- Any number, any time
- Instant delivery
- Wallet funded, no card needed per transaction
Airtime & Data
Above ₦5,000
per transaction
Larger airtime or data bundles at a fair flat fee.
- All networks supported
- Any number
- Instant delivery
- Wallet funded
Bank Transfers
Below ₦5,000
per transfer
Send small amounts to any Nigerian bank account.
- All Nigerian banks
- Account name verified first
- Instant processing
- Auto-refund if failed
Bank Transfers
₦5,000 – ₦9,999
per transfer
Mid-range transfers at a fair flat fee.
- All Nigerian banks
- Account name verified first
- Instant processing
- Auto-refund if failed
Bank Transfers
₦10,000 and above
per transfer
Large transfers with the same speed and security.
- All Nigerian banks
- Account name verified first
- Instant processing
- Auto-refund if failed
Wallet deposits: completely free
Funding your Aurra wallet is free. Just say "deposit ₦5,000" on WhatsApp and your linked card is charged instantly — no payment links, no redirects. The only fees are the small flat fees per transaction listed above.