Start your own VTU business with Paybeta.
Sell airtime, data, cable TV and electricity to your customers. Buy below face value, sell at your price, and keep the margin — with earning potential of ₦100,000+ a month as your customer base grows.
One of Nigeria's most practical online businesses
Virtual Top Up (VTU) means recharging phone lines, renewing DStv, GOtv and StarTimes, paying electricity bills and more — for your customers, straight from your Paybeta reseller account.
Everyone pays bills every month. As a reseller you buy at a discount, sell at your own price and earn on every transaction — from your phone, your own website or your app.
Buy below face value. Keep the difference.
As an agent you pay less than face value on every purchase — that discount is your commission, kept instantly. Current agent rates:
Airtime
Data
Cable TV
Electricity
Rates can change. See every product on the full commission schedule.
What could your business make?
Pick a product and how much you sell a day to see the margin you'd keep at today's agent rate.
Illustration based on current agent rates. Actual earnings depend on what you sell and your selling price.
Everything you need to run and grow
Join thousands of agents already earning with Paybeta.
Low startup capital
Start your VTU business with as little as ₦5,000 using just your smartphone.
Instant commissions
Your discount is applied on every transaction, so you keep your margin the moment you sell.
Bulk airtime
Recharge up to 1,000 numbers in one CSV upload — every network, your discount on every line.
Scheduled payments
Set up regular customers' airtime, data, TV and electricity to renew automatically — daily, weekly or monthly.
Agent mobile app
Manage your VTU business on the go with the dedicated Paybeta agent app.
24/7 support
Our support team is always available to help you and your customers.
Three ways to start selling
Choose the option that fits how you want to run your business.
Use the agent app
Download the Paybeta agent app, fund your wallet and start transacting — earn commission on your very first sale.
Get your own website
A VTU website in your own business name, with complete control over your prices and customers.
Integrate our API
Already have a website or app? Plug Paybeta's bill payment API into your own solution.
Hear from our agents
"Started with just ₦5,000 last month. Today, I'm making over ₦80,000 monthly from my VTU business. Paybeta changed my life!"
"The API integration was seamless. Now I have my own VTU website and my customers love it. Best decision ever!"
"The mobile app makes it so easy to transact on the go. My customers appreciate the instant delivery and low prices."
Frequently asked questions
How much do I need to start?
You can start your VTU business with as little as ₦5,000. Download the agent app, fund your wallet, and start selling.
How do I earn?
As an agent you buy every product below face value — for example, 2.5% off MTN airtime. You sell at face value (or your own price) and keep the difference instantly. See the commission schedule for every product.
Do I need a website to start?
No. You can start immediately with the agent app. If you want to scale, we can set up a VTU website in your business name.
Can I recharge many numbers at once?
Yes. With Bulk Airtime you upload a CSV of up to 1,000 phone numbers and amounts across all networks, and every line is recharged with your agent discount applied.
Is the service available 24/7?
Yes. The platform runs automatically around the clock, so you can sell anytime, anywhere.
What other ways can I earn with Paybeta?
You can also earn as an affiliate by referring customers, or integrate our API. See all options on our Partner with Us page.
Ready to start your VTU business?
Join thousands of agents already earning with Paybeta — start with as little as ₦5,000.
