About CloovaPay

CloovaPay was founded by a team passionate about making payments and financial services simpler and more accessible for everyone.

Since 2018, we’ve been dedicated to helping users pay bills, create virtual cards, and move money securely—all in one easy-to-use platform.

Leading digital finance platform

120k

Registered users worldwide

20+ million Naira

Daily transactions volume

Our story

CloovaPay was founded on a steadfast commitment to being part of the most resilient and dedicated group in any industry—even when the path isn’t always easy.

Coming from a background in traditional finance, the CloovaPay team saw how hard it could be for people to access fast, reliable ways to pay bills, move money, or get new financial tools. While others focused on trends, we focused on real needs: making daily payments simple, providing secure virtual cards, and letting users move money easily—anywhere, anytime.

Built during challenging times, CloovaPay has always insisted on putting users first, driving product innovation, and thinking for the long term. Our goal is to empower more people to experience true financial convenience and control—one smart payment at a time.

Vision

We believe in a more equitable future where everyone can access fast, secure, and convenient financial services.

Mission

Our mission is to make bill payments, virtual cards, and money transfers simple, secure, and accessible for everyone.

Our values

Users first

We care deeply about your needs and always listen to our users. Your experience shapes everything we do.

Integrity and honesty

Trust is at our core — we act transparently and uphold ethical standards in every transaction.

Open communication

We believe in honest, timely communication — sharing updates, challenges, and wins openly.

Deliver results

We go beyond promises — taking real action to make financial life easier for our users.

Our team

The CloovaPay team consists of global talent across 60+ countries and regions, creating a truly worldwide impact.

Meet our executive team

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Momodu Dennis, CEO of CloovaPay, is a fintech entrepreneur dedicated to transforming digital payments in Africa. Known for his strategic leadership and passion for innovation, he leads CloovaPay in building technology that simplifies lives and fuels economic growth.

Momodu Destiny

CEO

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Our licenses

At CloovaPay, compliance is our priority. We have secured essential regulatory licenses to operate our bill payment, virtual card, and money movement services. We uphold the highest legal and ethical standards, maintaining open and transparent relationships with regulators to build trust and support responsible growth. For more details, please refer to our “Regulatory License” page.

Learn more about our licenses Regulatory License

Our services

Bill payments

Instantly pay utility, airtime, internet, and other bills securely from your dashboard.

Virtual cards

Create secure virtual cards for safe online shopping and subscriptions, anytime.

Money transfers

Move funds quickly—send money to anyone, anytime, across accounts and networks.