The unified pension infrastructure for Nigeria

BLACPAY helps every Nigerian open and track a Retirement Savings Account whether you do it yourself online or sit with an agent who guides you through each step.

How registration works

Four Nigerians of different generations standing together in front of an office building at sunset

Wherever you’re starting from, there’s a way in

Choose the path that fits you. Each one leads to the same secure registration.

A smiling market trader at her vegetable stall

For individuals

Open a pension for yourself or for your child. Verify with your NIN, choose your PFA, and follow every step in plain, clear language

Open an RSA for yourself or a minor
Pick up where you left off, anytime
Large, readable text built for every age

For employers

Associate your staff with their pension accounts and keep your records accurate, for both formal and informal arrangements.

Register and associate your employees
Formal and informal codes kept distinct
Every change verified before it is final

For field agents

Help people who are not online register in person. Capture their documents securely and manage your assigned cases from one place

Assisted, face-to-face enrollment
Secure document and photo capture
Manage your queue, drafts and exceptions

For partners

For organisations and developers who want to connect with BLACPAY, with a clear separation of roles.

A clear, verifiable way to connect
Visibility of registrations
Orchestration, not overreach

A young woman on a phone call while filling in a form

Prefer a helping hand? An agent can do it with you

Not everyone wants to fill forms online, and that’s fine. A trained BLACPAY agent can sit with you, capture your documents, and submit on your behalf.

Two smiling children sharing earphones at home

Open a pension for your child

You can start a Retirement Savings Account for a minor as their guardian, giving the next generation a head start, safely and properly recorded.

How registration works

Four clear steps. Pause anytime, and pick up where you left off.

Confirm who you are
Verify your identity with your National Identification Number (NIN). We only ask for what’s needed.
Choose your PFA
Pick the Pension Fund Administrator who will manage your savings. You’re in control of the choice.
Add your details
Your address, employer, next-of-kin and a photo. Save as you go, nothing is lost.
Submit and track
Send your application and follow its progress. We’ll tell you exactly where it stands.

We tell you the truth about your status

When you submit, you get a receipt and a reference, but that means your request is pending, not that your pension is final yet. BLACPAY always shows your real status and lets you know the moment it changes, so you’re never left guessing.

Built on trust, by design

Pensions are a long-term promise. We treat your data and your registration with the seriousness that deserves.

Licensed by PenCom
Questions about our licence? Contact us and we’ll answer them.
Your data, protected
This website has no forms, no cookies and no tracking.
Honest and transparent
We show authoritative status, confirm outcomes properly, and never present a request as final before it is.