BUILT FOR NIGERIA'S MARKETS
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.
No card.
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No POS.
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No cash.
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One phone number.
HOW IT WORKS
TARGAR sits underneath the transaction — verifying who you are and moving the money, so the hardware in between becomes optional.
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.
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.
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.
THE PRODUCT
Designed first for how money actually moves in Nigeria's markets — trader to customer, phone to phone, stall to stall.
Pay anyone by tag or phone number. Quick, easy, and instant — peer-to-peer payments without an account number in sight.
Get paid by customers, family, or other Targarites with nothing more than your phone number. No POS terminal required.
Instant recharge for every major network, at rates that make sense — without leaving the app or waiting on a vendor.
Move money to any bank account or TARGAR user directly. One wallet, every destination your money needs to reach.
Every wallet is anchored to a verified digital identity, with PIN protection and OTP on every sensitive action.
Built so payments don't depend on a working POS or a card in your wallet — just a phone number, any time.
Both customer and merchant get a detailed receipt for every transaction — right in the app and by email.
BUILT FOR THE MARKET
Not a boutique or a checkout page — the open-air market, the roadside stall, the trader calling out prices over a pile of tomatoes. TARGAR is built for how money already moves there, just without the card reader.
AVAILABLE NOW
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.
