Short answer: at SiloLobby every price is in naira. Pay invoices by card, bank transfer or USSD through Paystack's secure page, or from your wallet. If your wallet covers part of an invoice, use it and pay the rest another way. Keep your wallet funded and renewals are paid automatically, so your domain and website never go offline because a dollar card was declined.
For years, Nigerian businesses buying domains and hosting abroad have dealt with declined dollar cards, unpredictable exchange rates and websites that went offline because a renewal failed. This guide explains how paying in naira works, how the wallet helps, and how to pay safely.
Why dollar billing hurts Nigerian businesses
- Card limits. Many naira cards have low limits for international payments, or block them entirely.
- Exchange-rate losses. You pay your bank's rate plus charges.
- Unpredictable costs. A price in dollars goes up whenever the naira weakens.
- Silent failures. When a renewal is declined, many providers simply let the domain or hosting expire, taking your website and email offline.
Ways to pay at SiloLobby
| Method | How it works | Good for |
|---|---|---|
| Card | Pay on Paystack's secure checkout page | Quick one-off payments |
| Bank transfer | Through Paystack checkout | Businesses without cards |
| USSD | Through Paystack checkout | Paying from any phone |
| Wallet | Pay from your naira balance in one click | Automatic renewals and quick checkout |
All invoices are in your client area under Invoices, and every payment option is shown on the invoice.
How the wallet works
- Top up: go to Wallet in your client area and add any amount from ₦500 by card, bank transfer or USSD.
- Pay invoices in one click from your balance.
- Use part of your balance: if your wallet does not cover an invoice, use what you have and pay the remainder another way.
- Automatic renewals: when a renewal invoice is created and your balance covers it, it is paid automatically.
- Refunds approved by our team are credited to your wallet, ready for your next invoice.
Setting up worry-free renewals
The simplest way to make sure nothing ever expires:
- Check the renewal dates and prices of your services in your client area.
- Top up your wallet with enough to cover the next few months of renewals.
- Keep your account email address current so you see renewal notices.
Funding by bank transfer avoids card expiry dates and limits altogether.
Ordering for the first time
- Add your domain, hosting or email to the cart.
- Create your account and place the order.
- On the invoice page, choose how to pay.
- Once payment is confirmed, your services are set up automatically, and you receive an email receipt.
Paying safely
- You only ever pay on SiloLobby or on Paystack's secure page. We never ask for card details by email, phone or WhatsApp.
- Your genuine invoices always appear in your client area under Invoices.
- Be suspicious of emails asking you to pay for "domain renewal" or "SEO listing" through another website or bank account. They are often scams.
Paying for clients or several businesses
Agencies and freelancers often pay for clients' services:
- Keep each client in their own SiloLobby account where possible, so domains are registered in the client's name.
- Use separate wallets per account so renewals are paid from the right budget.
- Download invoices from each account for bookkeeping.
Invoices and receipts for your records
Every order, renewal and top-up creates an invoice in your client area. When an invoice is paid, you receive an email receipt. Download them for your accounts and tax records at any time from Invoices.
What happens if a payment fails?
- At checkout: nothing is charged. Try again, choose another method, or use your wallet.
- For renewals: the invoice stays open and you get reminders. Pay it before the due date to avoid suspension. If your wallet covers it, it is paid automatically.
- If you were debited but the invoice still shows unpaid: wait a few minutes for the payment provider to confirm, then contact support with your payment reference.
Frequently used payment scenarios
| Scenario | Best method |
|---|---|
| First order, have a card | Card through Paystack |
| No card, or card limit too low | Bank transfer or USSD through Paystack |
| Want renewals to happen automatically | Fund your wallet |
| Wallet balance smaller than the invoice | Use the balance, pay the rest by card or transfer |
| Hold funds in stablecoins | Crypto, where available |
Tips for finance teams
- Fund the wallet monthly with a fixed amount that covers upcoming renewals.
- Assign one person to check renewal invoices each month.
- Keep the account email as a shared finance address so notices are never missed.
Why automatic renewal matters so much
A missed renewal can take your website and email offline, cost redemption fees for domains, and in the worst case lose your domain name to someone else. Funding your wallet is the simplest insurance: renewals happen on time without anyone having to remember.
Step by step: your first wallet top-up
- Sign in to your client area and open Wallet.
- Choose a quick amount (such as ₦5,000 or ₦10,000) or type your own, from ₦500.
- Choose how to pay and confirm on Paystack's secure page.
- When the payment is confirmed, your wallet balance updates and an email receipt is sent.
- Open any unpaid invoice and choose Pay from wallet, or simply wait: renewals are paid automatically when your balance covers them.
How much should you keep in your wallet?
A simple rule: keep enough to cover the renewals due in the next two or three months. For example, a business with a .com.ng domain (₦10,000 a year) and shared hosting (₦2,500/month) might top up a little more than the hosting cost each month, so both monthly hosting and the yearly domain renewal are always covered.
Comparing payment methods
| Card | Bank transfer | USSD | Wallet | |
|---|---|---|---|---|
| Needs a card | Yes | No | No | No (to spend) |
| Speed | Instant | Usually minutes | Usually minutes | Instant |
| Automatic renewals | No | No | No | Yes |
| Good for large amounts | Depends on card limit | Yes | Depends on bank limit | Yes |
Keeping an eye on spending
Your client area shows every invoice, payment and wallet movement in one place. Review it monthly to confirm renewals are as expected and to spot services you no longer need, then cancel them before their next renewal.
Summary
Paying in naira removes the biggest headaches of running a website in Nigeria: failed dollar cards, exchange-rate surprises and expired domains. Pay by card, bank transfer, USSD or wallet, keep your wallet funded for automatic renewals, and only ever pay through your client area or Paystack's secure page.