Chowdeck, the Nigerian on-demand delivery platform, is stepping beyond meals and into money. The company has launched a new Bills tab that lets users buy airtime and data directly from its app, its first consumer-facing fintech product.
The update comes just a week after Chowdeck announced it had processed a record one million orders.
At the same time, Chowdeck has completed the technical migration of Mira, the point-of-sale startup it acquired in June 2025. In an email to merchants on November 10, the company confirmed that Mira’s infrastructure and business systems are now fully integrated into Chowdeck’s platform.
Together, the two moves mark a two-sided expansion: consumers gain new financial tools, while merchants get a unified payments backbone. Chowdeck is connecting both sides of its ecosystem under one network — a shift from logistics to financial enablement.
Adding bill payments shows Chowdeck’s strategy to monetize beyond delivery fees. Frequent transactions create habits, and habits create financial opportunities. The new feature positions Chowdeck to earn from everyday payments, turning routine app use into financial engagement.
On the merchant side, the Mira migration gives Chowdeck deeper control of infrastructure. The company now owns both the consumer’s wallet and the merchant’s till, transforming its role from delivery intermediary to technology provider.
This move sets up a closed-loop system where money spent on food and bills circulates within Chowdeck’s ecosystem. The company gains leverage over both transaction flow and payment processing, shifting from thin delivery margins to higher-value financial services.
For users, the app is becoming a daily utility, a single platform to order meals, groceries, and airtime. For merchants, it promises unified tools for delivery, in-store payments, and settlement therefore removing the friction of managing multiple service providers.
The timing aligns with Chowdeck’s $9 million Series A, raised in August 2025, as it pivots from a delivery company to a full-stack platform. Nigeria’s fintech market is crowded, dominated by OPay and PalmPay, but Chowdeck has one key advantage: user frequency. Thousands open the app several times a week to order food, a habit it can now convert into financial engagement.
Still, the super app path is difficult. Integrating payments adds technical and regulatory risk, including KYC and anti-money laundering compliance. Merchant retention will depend on Mira’s reliability, uptime, settlement speed, and reconciliation accuracy, all crucial for maintaining Chowdeck’s reputation for seamless service.
