Turn your future salesInto Cash Today
Debby helps you collect money upfront with your own branded Spend Card—so you get cash now, and your customers keep coming back to spend it.
How Debby Works
Debby helps you collect money upfront with your own branded Spend Card—so you get cash now, and your customers keep coming back to spend it.
Issue Card
Create a unique payment card exclusively for your business. Customers load funds onto it, turning future sales into immediate cash flow.
Issue Card
Create a unique payment card exclusively for your business. Customers load funds onto it, turning future sales into immediate cash flow.
Fund Card
Customers fund the dedicated card from their bank—giving you cash upfront and them shopping credit.
Accept Payment
Our integrated POS terminal lets you accept payments seamlessly—whether from your custom Spend Card or regular debit cards.
What your business needs
Everything your business needs
Boost cash flow, build customer loyalty, and simplify your operations with our integrated platform
Immediate Cash Flow
Get cash upfront when customers load funds onto their exclusive Spend Card that only works at your business. No more waiting for sales to materialize or dealing with expensive loans.
- Immediate Access to Funds
- Predictable Working Capital
- Cheaper alternative to loans
Custom-Branded Card
Create an exclusive payment card that your customers can only use at your business.
Integrated POS Terminal
Accept payments seamlessly—whether it's through your custom Spend Card, regular debit cards, or bank transfers.
Real-Time Reporting
Track transactions, balances, and customer activity with a built-in, transparent reporting system.
Built-In Rewards
Reward customers on every purchase, boosting loyalty and repeat business.
Customer Messaging
Send timely notifications and targeted promotions to keep customers informed about their card balance and rewards.
Open API Integration
Easily connect with your existing systems and third-party tools for a smooth, customized experience.
Locked-In Credit Drives Loyalty
Debby ensures that when customers put money onto your exclusive Spend Card, that balance is reserved just for your business—making them more likely to return and shop with you.
- Funds Exclusively Reserved for Your Business
- Built-In Incentive for Repeat Visits
- Rewards That Reinforce Loyalty
Streamlined Payments & Reconciliation
Debby simplifies your entire payment process, ensuring smooth transactions and accurate reconciliation—all from one powerful platform.
- Unified Payment Processing
- Multiple payment channels (Debit card, Bank transfer, Spend card)
- Real-Time Financial Dashboard
- Integrated Loyalty Management & Rewards
How Debby Works For You
Tailored solutions for every business type
Debby Manifesto
Get paid before they shop. Keep them coming back. No POS fees—ever.
We believe every business deserves better.
Better cash flow. Better loyalty. Better control.
You shouldn't have to wait until a customer walks in before you get paid. You shouldn't lose money every time someone taps a card. And you definitely shouldn't depend on loans just to keep your lights on.
So we built Debby — not just a tool, but a shift.
With Debby, you issue your own branded Spend Card. Your customers load it — from any bank, any time. You get the money instantly. No delays. They spend it later — but only with you. And when they do? You pay no fees.
It's not just payment.
It's prepaid revenue.
It's loyalty with teeth.
It's your customers saying, "I'll be back — and I've already paid."
- 💰You gain upfront cash.
- 💳They carry a balance tied to your store.
- ♻️Every top-up is a commitment. Every tap is guaranteed spend.
- ⛔No POS fees when customers spend with your card.
- 🎁And when you reward loyalty — they keep reloading.
But here's the best part:
Debby doesn't replace your current payment system.
It enhances it.
Our POS works with all regular debit cards, transfers, and even USSD—just like you're used to. We just add something more powerful: prepaid revenue and loyalty built right in.
Debby is our promise:
To free your business from the limits of cash flow.
To turn every customer into working capital.
To build a world where you never wait to get paid again.
No loans. No losses. Just your money, your rules.
This is Debby. And we're just getting started.
Debby for Businesses — FAQ
Everything you need to know about using Debby for your business
What is Debby?
What is Debby?
Debby is a payment and customer loyalty platform that helps you turn every payment into a reason for your customers to return. It combines POS terminals, branded spend cards, and digital wallets to give you more control over customer engagement and repeat sales.
What kind of businesses can use Debby?
What kind of businesses can use Debby?
Debby is ideal for retail stores, restaurants, fuel stations, clinics, spas, gyms, salons, schools, and other businesses that benefit from customer loyalty and repeat spending.
Do I need to pay for the terminal or software?
Do I need to pay for the terminal or software?
No, the software is free. The POS terminals are also free, but there's a small insurance and caution fee required to ensure proper care and handling of the devices.
Can the Debby POS accept all types of payments?
Can the Debby POS accept all types of payments?
Yes. Debby POS terminals accept debit cards, transfers, branded spend cards, and wallet payments. They work like any other terminal—just smarter.
What happens if my POS is offline?
What happens if my POS is offline?
Debby terminals support offline fallback modes and sync automatically when back online. No transactions or balances are lost.
How do I issue a spend card to my customers?
How do I issue a spend card to my customers?
You can issue spend cards right from the POS terminal during customer registration. It's fast, easy, and doesn't require any extra setup.
Can I get custom-branded cards for my business?
Can I get custom-branded cards for my business?
Yes. If you want to issue branded cards, we'll work with you to create sample designs. Once you approve a design, we'll handle the personalization and delivery of your business-branded spend cards.
How much does card issuance cost?
How much does card issuance cost?
Card pricing depends on the level of customization and volume. You can find full details on our Pricing Page.
Can customers top up their card at the POS terminal?
Can customers top up their card at the POS terminal?
Yes. Customers can load money onto their cards directly at your POS. They can also fund their cards from any bank in Nigeria by simply transferring to their unique account number linked to the card. Funds are instantly credited and ready for use.
What kind of insights will I get about my customers?
What kind of insights will I get about my customers?
Debby gives you access to rich analytics, including repeat visits, total spend, and discount redemptions. These insights help you track performance and make data-driven business decisions.
Can I message or engage my customers through the platform?
Can I message or engage my customers through the platform?
Yes. Debby includes customer engagement tools, allowing you to send messages, run campaigns, and deliver offers based on customer behavior.
What do I need to get started with Debby?
What do I need to get started with Debby?
We'll onboard you with a POS terminal, help you set up your account, and support you through the first set of card issuances. No technical setup required—just plug and start.
Who do I contact for help or questions?
Who do I contact for help or questions?
You can reach our support team anytime at support@debbypay.com or via our hotline. We're always here to help.
Ready to transform your business?
Join our beta program today and transform how your business accesses working capital. Limited spots available.