Fintech Processes N80.9trn Transactions in 2025, Unveils Maiden Impact Report

HabariPay Limited, the fintech subsidiary of Guaranty Trust Holding Company Plc (GTCO), said it has processed transactions worth N80.9 trillion in 2025, representing a 195.4 per cent increase year on year, as it unveiled its maiden HabariPay Impact Report 2025.

The report provides stakeholders with a comprehensive account of the company’s evolution, innovation journey, business performance and impact on Nigeria’s digital payments ecosystem.

According to the report, HabariPay’s profit before tax rose by 134 per cent to N9.6 billion in 2025, cementing its position as the country’s most profitable bank backed fintech.

Speaking on the launch of the report, managing director of HabariPay, Eduofon Japhet, said the company remains focused on creating value beyond financial performance.

“As a technology driven company, we believe that impact extends beyond financial performance.

“It is reflected in the businesses we enable, the merchants we support, the infrastructure we build, and the opportunities we create for the next generation of innovators.

The HabariPay Impact Report 2025 captures this journey and demonstrates our commitment to creating sustainable value for customers, partners and the broader economy,” she said.

The report showed that HabariPay’s N80.9 trillion transaction value accounts for about 7.6 per cent of Nigeria’s electronic payment flows, which hit N1.07 quadrillion in 2024 according ot data by the Nigeria Inter Bank Settlement System.

GTCO group chief executive officer, Segun Agbaje, said the company has evolved from a payment solutions provider into a critical financial infrastructure player serving businesses across the country.

He noted that HabariPay’s flagship platform, Squad, has become a complete payments suite used by thousands of merchants nationwide, helping businesses reduce failed transactions and accelerate reconciliation processes.
“In 2025, we processed over N80.9 trillion in transaction value, a 195.4 per cent year on year increase. In the full year 2025 alone, our profit before tax grew by 134 per cent to N9.6 billion,” Agbaje stated.
The report further showed that gross revenue nearly doubled to N13.02 billion in 2025, rising by 95.6 per cent year on year, while total assets increased by 66.8 per cent to N18.3 billion. The report highlighted the growth of the Squad platform and the development of infrastructure supporting payment acceptance, switching, transfers, merchant services and value added solutions. It also detailed the company’s strategic shift from a payment application provider to a full stack payment infrastructure company, a move that enabled it to build its own switching platform and expand its service offerings to banks, fintechs and corporate organisations.
Japhet said the report represents more than a reflection on the company’s achievements. “The HabariPay Impact Report 2025 represents more than a reflection on our achievements; it is a testament to the deliberate investments we have made in building sustainable payment infrastructure, empowering businesses, fostering innovation and creating long term value for our stakeholders. As we look ahead, we remain committed to expanding our capabilities, deepening our impact and shaping the future of digital payments through technology driven solutions that are secure, scalable and inclusive,” she added.