Smart Ecosystem for Utility Bills, Transfers & Identity
Arewa Smart is Nigeria's #1 automated engine for instant money transfers, collateral-free credit, fast digital identity verification (BVN/NIN), and utility payments. Built for speed, security, and effortless reliability.
Smart AI Assistant
Online & Ready to Help
Our AI-Enhanced Services
Experience ultra-fast, automated digital solutions powered by advanced AI for seamless daily operations.
Smart Identity Management
Perform precise BVN validations, comprehensive searches, and verify details instantly with our AI-driven verification engine. Maintain complete control of your identity securely.
- AI-Powered BVN Search
- Secure BVN Verification
- Instant NIN Verification
- NIN DEMO and Phone Number Search
- Real-time Tin and Bank account Verification
- Automated Validation
Send & Receive Money Instantly
Transfer money between bank accounts and wallets securely across Nigeria. Seamlessly set up customer escrow payment links or request payouts with absolute speed and zero hassle.
- Instant Bank Payouts
- Secure Peer-to-Peer Transfers
- Escrow Links for Safe Commerce
- Low Transaction Fees
Automated Utility Payments
Pay your electricity bills safely and securely with zero downtime. We support all major distribution companies with instant, automated token generation.
- Instant Token Delivery
- Zero Transaction Charges
- 24/7 Automated Processing
AI Data & Airtime Top-up
Stay connected with our smart data bundles and airtime top-ups. Our system optimizes network selection for the fastest delivery (MTN, Airtel, Glo, 9mobile).
- Multi-Network Support
- Ultra-Fast API Delivery
- Automated Low-Balance Alerts
Spry Gift Cards & AI Bonuses
Bring the ultimate vibe to your African weddings and occasions! Spry Gift Cards let you spray money virtually and with class without carrying cash.
- Automated Gift Generation
- Smart Referral Rewards
- Instant Cashback Bonuses
Automated Modifications
Update your identity records seamlessly. Whether you need a name correction or DOB update, our automated system processes your modifications efficiently and securely.
- Smart Name Correction
- Automated DOB Updates
- Secure Identity Syncing
Smart Educational Pins
Unlock your academic future with instant access to educational scratch cards and e-pins. Get WAEC, NECO, JAMB, and NABTEB pins delivered by our AI engine.
- Instant Pin Generation
- Direct Result Access
- Automated Receipting
Our Smart Legacy
Arewa Smart is a leading digital service provider leveraging AI and Automation to deliver fast, secure, and reliable solutions for individuals and businesses across Nigeria.
Our platform is engineered to simplify complex services such as identity verification, utility payments, and digital transactions. We continuously evolve our systems to ensure maximum efficiency, accuracy, and the highest level of data security.
Empowering seamless digital transactions with state-of-the-art automation and absolute data security.
Our Mission
To provide simple, secure, and efficient digital solutions that empower users and businesses to perform transactions easily and with confidence.
Our Vision
To become a leading and most trusted platform for digital services, known for innovation, reliability, and exceptional customer experience.
The Smart Advantage
We are committed to delivering the best digital experience through innovation and reliability.
Fast & Reliable
Instant processing with rapid and stable service delivery.
Secure Platform
Robust encryption guaranteeing a highly trusted platform.
User-Friendly
Intuitive interface tailored specifically for seamless navigation.
Continuous Innovation
Constant updates to improve our service offerings.
Dedicated Team
Our outstanding customer support is always here to assist.
Our Impact
We take pride in the numbers that define our success and growth across Africa.
50+
Awards Won100+
Trusted Partners1M+
Active Users99.9%
Success Rate5M+
Transactions24/7
Support UptimeComplete Business Management Software
Take control of your business with our all-in-one automated retail management solution. Designed to simplify your day-to-day operations and accelerate growth.
Sales & POS System
Process sales instantly, print professional receipts, and track revenue automatically on any device.
Inventory & Product Control
Monitor stock levels in real time, receive low-stock alerts, and manage product variations effortlessly.
Automated Accounting & reports
Keep track of expenses, profits, and overall financial health with automated, clear reporting.
Arewa Smart Checkout
merchant@example.com
Accept Payments Everywhere
Integrate our robust Payment Gateway API into your website or app. Allow your customers to make payments seamlessly via Bank Transfers, Cards, USSD, and Wallets with instant payment notifications.
Instant Settlement & Webhooks
Get real-time callback notifications (webhooks) and instant transaction settlements on your platform.
Multi-Channel Payments
Support card processing, direct bank transfer matching, and wallet checkout systems out-of-the-box.
Licensed MFB Partnership
All funds and wallet transactions are processed and secured in partnership with licensed Microfinance Banks to guarantee compliance and safety.
Build & Grow With Arewa Smart
Empower your business with our enterprise-grade APIs and white-label agent solutions designed for scale.
curl -X POST https://api.arewasmart.com.ng/v1/verify/bvn \
-H "Authorization: Bearer KEY_XXXX" \
-H "Content-Type: application/json" \
-d '{
"bvn": "22223333444",
"reason": "KYC verification"
}'const response = await fetch('https://api.arewasmart.com.ng/v1/verify/bvn', {
method: 'POST',
headers: {
'Authorization': 'Bearer KEY_XXXX',
'Content-Type': 'application/json'
},
body: JSON.stringify({
bvn: "22223333444",
reason: "KYC verification"
})
});
const data = await response.json();$client = new \GuzzleHttp\Client();
$response = $client->post('https://api.arewasmart.com.ng/v1/verify/bvn', [
'headers' => [
'Authorization' => 'Bearer KEY_XXXX',
'Content-Type' => 'application/json'
],
'json' => [
'bvn' => '22223333444',
'reason' => 'KYC verification'
]
]);Scale Your Platform With Our Infrastructure
Offer digital verification, automated bill payments, data vending, and wallet transfers directly inside your own application.
Unified API Solution
One integration unlocks money transfers, KYC checkups, utility bills, and airtime vending.
Reseller Commissions
Earn massive profits per transaction with custom B2B discount margins and instant payouts.
White-Label Agent Portal
Deploy custom-branded web portals for your sales agents and retail networks in 24 hours.
Always Connected
Our automated systems and expert team are available 24/7. Use our Smart AI Assistant in the hero section for instant help, or reach out below.
Contact Information
Fill out the form and our B2B team will get back to you within 24 hours.
Send Us a Message
Trusted by Thousands
Join thousands of satisfied users who rely on Arewa Smart for their daily automated transactions.