Pensions with Peace of Mind

Welcome to CyberPay’s comprehensive pension solutions. We understand that your financial future is non-negotiable, and we’re here to make sure it’s secure, seamless, and hassle-free

Pension Solutions for Everyone.

Our suite of pension solutions, including Micro Pension and Pension Remit, is designed to cater to your unique needs. Whether you’re an individual in the informal sector seeking retirement security or an employer looking to streamline pension contributions, CyberPay has you covered.

Micro Pensions: Inclusivity at its core

We’re transforming the future of retirement for self-employed individuals and those in the informal sector across Nigeria. Our Micro Pension Plan is designed specifically to provide retirement benefits for those often overlooked by traditional pension schemes.


If you’re in the informal sector, this plan is your ticket to financial security in your golden years. Thanks to the Pension Reform Act, 2014, even if you work in an organization with less than three employees or you’re self-employed, you have the right to participate in the Contributory Pension Scheme. We’re here to guide you through this journey.

PenRemit: Effortless Remittance Management

PenRemit is the cutting-edge web-based remittance schedule management platform by CyberPay. We’ve redefined the way employers manage their employees’ Pension Contributions, making it organized, timely, and hassle-free.


PenRemit takes the complexity out of pension remittance. It simplifies the process of uploading schedules to Pension Fund Administrators (PFA) and ensures prompt payments to Pension Fund Custodians (PFC). With PenRemit, everything is automated, and everyone is in the loop.