Moneyshouldmoveevenwherecards,POS,andcashcan't.
TARGAR is payment infrastructure built for Nigeria's informal markets — letting traders and customers send, receive, and accept payments using only a phone number and a secure digital identity. No card. No terminal. No cash in hand.
Infrastructure, not just an app
TARGAR sits underneath the transaction — verifying who you are and moving the money, so the hardware in between becomes optional.
Step 1
Verify once, securely
Set up a digital identity tied to your phone number — built with bank-grade security, PIN protection, and OTP verification. To authorize a transaction, you enter your 4-digit PIN directly on the merchant's device — it's highly encrypted and never stored there, and screenshots or screen recording are blocked at that moment for extra protection.
Step 2
Send or receive instantly
Move money by phone number or TARGAR tag. A market trader can collect payment from a customer the same way she'd collect cash — no terminal, no float, no card reader required.
Step 3
Top up and transact
Buy airtime and data, pay bills, and transfer to any bank or user — all from the same wallet, with the same verified identity behind every transaction.
One platform, every everyday payment
Designed first for how money actually moves in Nigeria's markets — trader to customer, phone to phone, stall to stall.
Send & Receive Money
Pay anyone by tag or phone number. Quick, easy, and instant — peer-to-peer payments without an account number in sight.
Learn More ›Airtime & Data
Instant recharge for every major network, at rates that make sense — without leaving the app or waiting on a vendor.
Learn More ›Bank & User Transfers
Move money to any bank account or TARGAR user directly. One wallet, every destination your money needs to reach.
Learn More ›Identity-Secured
Every wallet is anchored to a verified digital identity, with PIN protection and OTP on every sensitive action.
Learn More ›Payment infrastructure forWhere Nigeria actually trades
Zero-Hardware Payments
NO CARDS, NO CASH, NO SMARTPHONE ACCESS
"You don't need cash, cards, or even your smartphone at the point of payment."
Faster Payouts
NO TERMINAL REQUIRED, JUST THE SMARTPHONE THEY ALREADY OWN
"Accept secure payments instantly using just the smartphone you already own."
Every trader is a merchant
POWERING INFORMAL TRADE
"Every trader is already a merchant — TARGAR just removes the terminal."
Get the app and start moving money.
TARGAR is live for traders and customers across Nigeria's markets. Download it on Google Play today — the App Store version is on its way.
Free to download. No bank card, POS terminal, or cash required.