Chowdeck launches invoice funds and integrates Mira in tremendous app push

Chowdeck, the Nigerian on-demand supply platform, is not simply delivering meals. With a brand new characteristic that lets customers pay payments, it’s now delivering monetary providers too. The brand new Payments tab permits customers to purchase airtime and information instantly from the app, marking Chowdeck’s first consumer-facing fintech product. It comes one week after the corporate stated it processed a file a million orders.

On the similar time, Chowdeck has accomplished the total technical migration of Mira, the point-of-sale (POS) startup it acquired in June 2025. A service provider electronic mail despatched on Monday, November 10, confirmed the mixing of Mira’s companies and infrastructure onto Chowdeck’s system. With each strikes unfolding throughout the similar window, Chowdeck is executing a two-pronged rollout that extends its attain from customers to retailers, all sides of a rising market now tied collectively by Chowdeck’s rails.

This shift represents a transparent evolution in technique. Frequency creates behavior, and behavior creates the chance to layer monetary providers on high. Including invoice funds exhibits that Chowdeck is taking step one to monetise its consumer base past supply charges, turning transactional behaviour into monetary engagement. On the service provider aspect, the Mira migration anchors the corporate’s place as a know-how supplier fairly than merely a logistics companion, giving it management over each the patron’s pockets and the service provider’s until.

Chowdeck is constructing a closed-loop ecosystem the place the cash spent on meals orders and invoice funds can flow into inside its personal infrastructure. This transition strikes it away from the skinny margins of supply into the higher-value territory of funds and monetary flows. For customers, it means a single app that handles on a regular basis wants, from ordering meals to ordering groceries and topping up airtime and information. It will doubtlessly make Chowdeck a daily-use utility fairly than an occasional comfort. For retailers, the mixing guarantees a unified device for supply, in-store funds, and settlement, decreasing the operational complexity of juggling a number of suppliers.

The timing is deliberate. Chowdeck introduced a $9 million Sequence A in August 2025 and has since positioned itself as greater than a logistics firm. As competitors intensifies in Nigeria’s crowded fintech market, the place fintechs like OPay and PalmPay dominate client funds, Chowdeck’s benefit lies in its present behaviour loop: 1000’s of customers opening the app a number of instances every week for meals orders. Extending that loop to funds permits it to transform consideration into monetary exercise.

Nonetheless, the highway to changing into a brilliant app is fraught with challenges. Integrations add technical complexity and might expose corporations to regulatory scrutiny below KYC and anti-money laundering guidelines. On the service provider aspect, retention will rely on the reliability of Chowdeck’s POS system: its uptime, settlement pace, and reconciliation accuracy. Every of those particulars will decide whether or not Chowdeck can maintain the seamless expertise that made its supply product profitable.

Nigeria’s platform wars are accelerating, with almost each main platform combating to change into the nation’s default digital way of life app. Chowdeck’s wager is that the highway to that future runs by meals, the place each day frequency turns into monetary dominance. Whether or not it may well translate supply effectivity into monetary belief will determine if it may well really bridge the hole between the pockets and the until.