Now Live in Nigeria

Trust before
transaction.

Veri-phy silently verifies every incoming payment alert against real banking infrastructure — and warns you in seconds before you release goods.

Download Free Watch Demo
₦4.2B+
Fraud prevented
180K+
Merchants protected
0.8s
Avg verdict time
VERIFIED
₦15,000 · GTBank
FAKE ALERT
No ledger match
PENDING
Awaiting settlement
9:41
GB
GTBank Alerts
SMS · Just now
GTBank Nigeria
Dear Customer,
₦25,000.00
received in your acct **4521. From: JOHN A IBRAHIM.
Ref: TXN202412**8301 · Balance: ₦157,842.00
9:41 AM ✓✓
VERI-PHY
Realtime
VERIFIED
Transaction confirmed in ledger
Amount₦25,000.00
SenderGTBank → Merchant
RefTXN****8301
Settled0.6 seconds ago
✓ Safe to release goods
₦4.2 Billion in fraud prevented Avg verdict time: 0.8 seconds 180,000+ merchants protected Bank-grade encryption Real banking ledger verification Your messages stay private ₦4.2 Billion in fraud prevented Avg verdict time: 0.8 seconds 180,000+ merchants protected Bank-grade encryption Real banking ledger verification Your messages stay private
The Problem

Merchants lose money
every single day.

Fraudsters have mastered fake payment alerts. One wrong release of goods can wipe out an entire day's profit.

Fake Payment Alerts
Fraudsters send fabricated SMS alerts that look exactly like real bank notifications — same format, same sender names, completely fake.
Most common fraud type
Edited Screenshots
WhatsApp and Instagram vendors receive manipulated payment screenshots from buyers. Amounts are changed after the fact with simple editing apps.
Rising in social commerce
Delayed Transfer Scams
A "reversal pending" trick — a real transfer is initiated but immediately reversed after goods are released. The merchant never gets paid.
POS agents most affected
Spoofed SMS Senders
Fraudsters spoof bank SMS sender IDs — your phone shows "GTBank" but the message came from a criminal. Indistinguishable to the naked eye.
Highly sophisticated attack
The Numbers Are Alarming
1 in 5 Nigerian merchants has been defrauded
by a fake payment alert in the last 12 months.
₦890M
Lost monthly to payment fraud
How It Works

Three steps.
Zero friction.

Veri-phy runs silently in the background. When a payment SMS arrives, it works instantly — no manual input needed.

GTBank Nigeria
You have received
₦50,000
from AMINU MUSA · Ref: TXN****
1
Alert Arrives
A payment SMS lands in the merchant's inbox. Veri-phy intercepts it the moment it arrives — before you even look at it.
Checking ledger…
GTBank NIBSS API
2
Veri-phy Verifies
Veri-phy checks the transaction reference against the bank's actual ledger via secure API. Not the SMS — the real record.
VERIFIED
₦50,000 confirmed
0.8 seconds
Safe to release goods
3
Instant Verdict
A glanceable overlay appears on your screen in under a second. VERIFIED, PENDING, or FAKE — clear and unmistakable.
Overlay System

Glanceable.
Unmistakable.

Three clear verdicts. Readable in under one second. Designed for noisy market environments and bright outdoor light.

✓ Verified
9:41
GB
GTBank Alerts
SMS
GTBank Nigeria
₦25,000
received from IBRAHIM A. · Ref: TXN****8301
9:41 AM ✓✓
VERI-PHY
✓
VERIFIED
Confirmed in ledger
Amount₦25,000
BankGTBank
Time0.6s ago
✓ Safe to release goods
Transaction confirmed in bank ledger. Safe to release goods immediately.
⏳ Pending
9:41
GB
GTBank Alerts
SMS
GTBank Nigeria
₦80,000
received from KEMI ADEOLA · Ref: TXN****2210
9:41 AM ✓✓
VERI-PHY
⏳
PENDING
Awaiting settlement
Amount₦80,000
BankGTBank
ETA~2 minutes
⏳ Wait for confirmation
Transfer initiated but not settled yet. Hold goods until verdict updates.
✕ Fake Alert
9:41
UB
UBA Nigeria
SMS
UBA Nigeria
₦150,000
Credit alert. Ref: UBA2024***. Sender: EMEKA OBI.
9:41 AM ✓✓
VERI-PHY
✕
NO MATCH
Not found in ledger
Amount₦150,000
BankUBA
RiskHIGH
✕ Do not release goods
No transaction found in bank ledger. This alert is fraudulent. Do not release goods.
Privacy & Security

Your privacy is
our foundation.

Veri-phy only reads payment alerts. Your personal messages, photos, and conversations are never accessed, stored, or shared.

Only Payment Alerts
Veri-phy uses intelligent pattern matching to identify only banking SMS alerts. Personal messages, WhatsApp, and email are completely untouched.
End-to-End Encrypted
All verification requests are encrypted using AES-256 before leaving your device. Even we cannot read the content of alerts you verify.
Realtime Verification
Verdicts arrive in under one second. Our infrastructure connects to bank APIs directly so you're never left waiting at the counter.
No Data Selling
Your transaction patterns and merchant activity are never sold to third parties. We are funded by merchants — not advertisers or data brokers.
NDPR Compliant
Fully compliant with Nigeria's Data Protection Regulation. Audited annually by independent security firms operating under CBN oversight.
Works Offline Too
Last known verdicts are cached locally. If you lose signal in the market, you still see the most recent verification status for each alert.
256-bit
AES encryption
NDPR
Fully compliant
CBN
Partnered banks
0 ms
Data retained on server
Security Certified
ISO 27001 · SOC 2 Type II
Who It's For

Built for Nigerian
merchants like you.

Whether you sell from a stall, a phone, or Instagram — Veri-phy protects your livelihood.

POS Agents
High-volume transactions daily. Every fake alert costs you real money. Veri-phy runs silently behind every swipe.
Most Protected
Market Traders
In the chaos of the market, you can't afford to study every alert. Veri-phy gives you a clear yes or no in under a second.
Speed Optimised
Phone Sellers
Selling phones for ₦200K+? One fake alert can wipe out weeks of profit. Veri-phy is your mandatory protection layer.
High-Value Guard
WhatsApp Vendors
Screenshot fraud is rampant in social commerce. Veri-phy verifies the actual bank record — not just the image someone sends you.
Social Commerce
Dispatch Riders
Collecting COD payments on delivery? Verify alerts before handing over the package. No network? Cached results still protect you.
On-the-Go Ready
★★★★★

"I was about to release a ₦45,000 phone when Veri-phy said FAKE. The customer ran away. This app saved my business."

AK
Abdullahi K.
Phone Seller · Kano
★★★★★

"For my POS business, every transaction matters. Veri-phy runs quietly and gives me the green light in seconds. I don't know how I survived without it."

FA
Fatimah A.
POS Agent · Lagos
★★★★★

"I sell on Instagram and have over 2,000 customers. Screenshot fraud used to happen every week. Not anymore. Veri-phy changed everything."

CO
Chidinma O.
Instagram Vendor · Abuja
Free to Download · Always

Don't trust the alert.
Trust the ledger.

Join 180,000+ Nigerian merchants who verify before they release. Your livelihood deserves protection.

Download Veri-phy
Get it on
Google Play
Download on the
App Store
4.9
★★★★★
App store rating
180K+
Merchants protected
Free
Always free for merchants