Is BayRight free to use?
Opening and holding a BayRight wallet is free. Some bill categories may include small service or provider fees — you always see the full amount before you confirm payment.
Are fees shown before payment?
Yes. The confirmation screen shows the bill amount, any applicable fees, and the total debit from your wallet before you pay.
Where can I find receipts?
Every payment appears in Transactions inside the app with a reference you can copy, share, or attach to a support ticket.
What happens if a bill payment is pending?
Processing means we are confirming delivery with the provider. Do not pay again. Status updates automatically; contact support if it stays pending longer than expected.
Can I save beneficiaries?
Yes. Save frequent phone numbers, meters, and smartcards during checkout to pay faster next time.
How does the referral reward work?
When someone signs up with your referral link and completes a qualifying first bill payment, rewards credit per current program rules in the app. Details may change — check Rewards for live terms.
How do I contact support?
Email contact@bayright.com, use WhatsApp from Contact or Help, or open a ticket from Support when signed in.
Is my identity data stored?
We verify identity through regulated partners when required. We do not store raw BVN or NIN in BayRight systems — partners handle verification per their licenses.
Why does my payment show "Processing"?
We're confirming the outcome with the service provider. You do not need to pay again. Your receipt updates automatically, usually within minutes; some networks take longer.
How do support tickets work?
From Support you can open a ticket and link a transaction so we see your reference. You get in-app notifications when we reply.
What is my BayRight PIN for?
Your 6-digit PIN adds a quick lock inside the app after email sign-in. Reset it from Settings → Security if needed.