JumiaPay Review: The Pros and Cons

Jumiapay is a payment platform which includes a range of other financial products owned by the e-commerce giant, Jumia. The Jumiapay wallet is a standalone app that enables customers to pay for different services including electricity bills, airtime, fund betting accounts, pay for items purchased on the Jumia website etc.

JumiaPay wallet is so far available in eight African countries including Nigeria, Egypt, Ghana, Morocco, Kenya, Cote d’Ivoire, Tunisia and Uganda. Users in these countries can simply download the Android app, fund their wallets from their bank accounts and use it to make cost-effective payments online securely.

e-wallets are becoming increasingly popular with the penetration of internet services in Africa. They provide an easy and convenient way to make everyday payments, Jumiapay offers extra assurance to that sceptical about entering their bank information online as it is a service owned by the e-commerce giant, Jumia.


  • Excellent user interface that makes for smooth navigation, simply type the biller you want to pay and the process is seamless.
  • Thousands of merchants from across 8 African countries, there’s hardly anything you can’t pay for on Jumiapay. From airtime to betting companies to even booking a holiday ticket.
  • Referral bonus that rewards existing customers for every friend they invite to use the service.
  • Access to collateral-free loans for consistent long-term users.
  • Plenty of cashbacks and zero transaction fee on most transactions.
  • Recurring Payment: Schedule your regular bill payments so that you won’t have to keep coming back every time.


  • some Jumiapay services such as access to loan is only available to Android users.
  • The loan is a third-party service. In Nigeria, the loan is offered by QuickCheck, which makes the loan subject to third-party terms and conditions. These loan apps are known to charge high interests and use a less civilized approach to recover their money.
  • Networking issues that heavily hinders usage on the app.

What other users are saying about JumiaPay

This review is from Jumiapay mobile app users on Android. The experience should be similar on iOS and the website.

Odera Ferd from Kenya wrote, “The experience with this app is getting progressively worse. Card details can’t be saved anymore meaning users have to continuously type in card details for every transaction. The OTPs fail sometimes. And many transactions fall through. I’m at that point where I’m seriously considering abandoning ship and seeking alternative apps.”

Musibau Adeogun from Nigeria wrote, “I really enjoyed using this app. It gives me utmost satisfaction and very easy to understand. No ads no distraction, very direct and straightforward.”

Love Ifejiofor from Nigeria wrote, “The vouchers don’t work for me anymore. Over the past month. I see on the app that there’s a voucher for 20% cashback, or 15% cashback, or7% cashback. But when I apply the voucher, it doesn’t work. That doesn’t really encourage me to continue using the app.”

Mohamed Amanuldin from Egypt wrote, “I can’t even use the app anymore, going in a login loop all the time, the Meeza wallets don’t work at all, the past two transactions failed and I’m missing over 300L.E, and I have to wait more like a month to get them back if ever. You should revert to an old version The app turned into a nightmare.” Read more user reviews here.

Jumiapay services

With JumiaPay you enjoy the following services:

• Guaranteed Bonus on each airtime top-up & Mobile Data recharge

• FREE bills payments, saving N100 on each bill

• Secure payment via Bank account or credit card: 100% secured & certified by CBN

• Attractive Bonus for 1st time user: no voucher code needed

: Earn guaranteed Bonus on each Airtime top-up & Mobile data purchase!

Airtime top-up with JumiaPay app is instant and easy. When making a mobile data recharge, you can browse through all the recharge plans and pick the best one for you.

Do an airtime top-up for all major operators:


• Airtel

• Glo

• 9Mobile

CABLE TV RECHARGE: Enjoy FREE bills payment & save N100 on each cable TV bill payment!

Cable TV recharge with JumiaPay app is simple & instant. Select your operator, fill in the customer id, choose your plan/amount, verify your account details on summary page & complete your payment.

Recharge your cable TV for all the major service providers, such as:

• DStv

• GOtv

• Startimes

PAY ELECTRICITY BILLS: Enjoy FREE bills payment & save N100 when paying your electricity bills!

Electricity bills payments with JumiaPay App takes less than a minute. Select your pre/postpaid meter type, choose your electricity distribution company, enter your meter number & amount, verify your account details on summary page & complete your payment. You will receive your applicable meter token straight away via email.

We have all major Electricity Distribution Companies (DISCO) on JumiaPay app, such as:







INTERNET RECHARGE: Enjoy FREE bills payment & save N100 on each internet recharge!

It’s the best way to recharge your internet instantly. Select your internet provider, enter your customer ID, select your data plan/amount, verify your account details on summary page & complete your payment. You’re done, enjoy surfing!

Recharge your internet with JumiaPay App for all major Internet Service Providers (ISP), such as:

• Spectranet

• Smile


TOLL GATE PAYMENT: Enjoy FREE Toll payment & save N100 on each payment!

It’s very simple. Select your Toll operator, enter your account number, fill in the amount, verify your account details on summary page & complete your payment. Your toll charges are paid.

Pay for your e-tag easily on JumiaPay App. We support 2 major Toll companies in Lagos:



Other Services

JumiaPay is truly All-in-One. You can shop online, book a hotel, purchase a flight/bus ticket, book a Uber ride, order your favorite food at your doorstep, buy movie & event tickets, place your bets, read your favorite blogs, listen to radio. The list is endless: explore yourself!


Is Jumiapay a payment gateway?

Jumiapay is an e-wallet payment service where customers can pay for a wide range of goods and services from their e-wallets. Customers can easily fund their wallet with their bank debit card and use it to make payments online.

Is Jumiapay legit?

Jumiapay is a safe and secure ewallet owned by ecommerce giant, Jumia. The Jumiapay app is registered and licensed by the CBN to operate as a payment service fintech in Nigeria and other African countries.

can I borrow money from jumiapay?

Yes, Jumiapay has a loan service that allows consistent and long-term customers access to collateral-free loans of up to N600k in Nigeria and other African countries. The service is offered in association with the third-party loan provider, Quickcheck in Nigeria. The terms and third-party provider varies in all 8 African countries where Jumiapay is available.

How do I make money on Jumiapay?

Jumiapay offers a referral bonus on each new user an existing user invites to user the platform. The bonus is about N500 for each new user in Nigeria. Jumiapay also offers lots of discount and cashbacks to regular users who use the app to make payments.


A writer! Columnist and an academic researcher
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