GainPay is a full-featured mobile bill payment and wallet solution, purpose-built for fintech operators, agents, and entrepreneurs. Developed using Flutter, it enables users to perform real-time transactions with ease, offering an intuitive, secure, and scalable infrastructure ready for commercialization.

🔧 Key Features

💸 Wallet & Fund Management

View available balance in real-time

Wallet-to-wallet transfers (GainPay to GainPay)

Withdraw to bank

Deposit via bank or virtual accounts

Airtime-to-Cash and Data-to-Cash services

⚡ Bill Payment Services

Airtime Top-Up – MTN, Glo, Airtel, 9mobile

Data Purchase – All major networks

Electricity Bills – PHED, IKEDC, AEDC, EEDC, etc.

Cable TV Subscription – DStv, GOtv, Startimes

Internet Subscriptions – Smile, Spectranet

Betting Fundings – Bet9ja, 1xBet, NairaBet, etc.

Exam Payments – WAEC, JAMB, JAMB UTME MOCK

💳 Virtual Card Integration

Provision and manage virtual Naira/USD cards

Fund cards directly from wallet balance

Secure for online shopping and global transactions

🎁 Giftcard Module

Buy  giftcards

Popular options: Amazon, iTunes, Google Play, Steam

👨‍💻 User Experience

Smooth and responsive UI/UX

Transaction history and receipt screens

Easy navigation with bottom tab bar

Engaging home screen with quick actions

🔐 Security

Obfuscated balance toggle

Secure transaction flow

Clean and scalable Flutter codebase

🧩 Extendability

Easily connect to any third-party API (e.g Payscribe)

Modular code structure for faster customization

Ideal for reskinning and multi-brand deployment

✅ Use Cases

Launch a custom-branded bill payment app

Onboard agents and vendors for commissions

Integrate into larger fintech ecosystems

Build a community banking or wallet-based loyalty platform

Offer digital card services and giftcard resale to increase revenue