ZinChat + HazPay
One App for Messaging, Stories, and Payments
Chat privately, share stories, buy data, send airtime, earn rewards, and access smart financial tools — all in ZinChat.
Android APK download.
ZinChat
Chat + Stories + HazPay
Quick actions
Mockup for illustration.
HazPay Data Loan
Get an instant data loan with 0% interest
Where available, HazPay can provide a small data loan for quick connectivity. Eligibility and repayment details are shown before you accept.
0% interest on repayment. Availability, eligibility, and limits may vary by region and account activity.
Built for chat, stories, and everyday payments
ZinChat brings private messaging and social stories together, with HazPay built in for data, airtime, rewards, and optional financial tools.
Features
Everything you need for daily communication and essential digital transactions, in one place.
Private Messaging
Email-based accounts with secure chats, voice/video calling, and new Voice Space rooms.
- Email-based accounts
- Secure chats
- Voice & video calls
- Voice Space rooms (group audio)
Swipe left/right on mobile to switch.
Why ZinChat
Built to earn trust: clear options, simple controls, and practical features.
- No phone number required
- Built for emerging markets
- Fast & lightweight
- Secure payments
- Community-driven
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Cycles: Meet & Connect
Join community cycles inside ZinChat—dedicated groups where people meet, chat, and build meaningful connections around shared interests and goals.
- Create or join community cycles based on your interests
- Chat with members in real-time
- Build lasting friendships and networks
- Connect with people who share your passion
HazPay
HazPay is the financial feature set inside ZinChat — no extra apps.
Built to be safe and transparent, with clear options and disclosures.
HazPay services availability may vary by region.
What to expect
- Buy data and recharge airtime
- Fund your wallet securely
- Earn rewards with optional ads
- Access data loans (where available)
Data at cheaper prices
Buy mobile data directly inside HazPay. You can get data starting as low as ₦50 on supported plans.
Pricing and availability may vary by network, region, and time.
Supported networks
Earn with HazPay
HazPay includes optional programs for business owners, individuals, students, and anyone who wants to grow with the platform.
Agent and ambassador access is application-based and may require approval.
Agent Program
Approved agents may access discounted pricing and resell to customers, where available.
- Application-based access
- Transparent pricing shown in-app
- Designed for small business workflows
Ambassador Program
Invite users and earn commissions where available, with clear tracking inside HazPay.
- Invitation or approval may be required
- Milestone-based rewards where applicable
- Rules displayed in-app before you participate
Trust & Compliance
Simple, review-friendly disclosures designed for user trust.
Privacy-first design
Clear data practices and user controls.
Secure payments
Transactions designed with safety in mind.
Transparent loan terms
Eligibility and repayment shown before use.
No hidden fees
Clear pricing and receipts for transactions.