Chowdeck Launches ‘Bills’ Feature, Completes Mira Integration to Power its Super App Target

Nigeria’s top delivery platform, Chowdeck, is expanding beyond food logistics into everyday financial services with the launch of the Bills tab. The Bills feature empowers users to purchase airtime and mobile data seamlessly within the app, introducing Chowdeck’s inaugural consumer-facing fintech offering. 

Tech Cabal reports that seven days earlier, Chowdeck celebrated processing its one millionth order.

Simultaneously, Chowdeck has finalised the complete technical integration of Mira, the POS startup acquired in June 2025. A merchant notification email dispatched on Monday, November 10, verified that Mira’s operations and backend systems are now fully embedded into Chowdeck’s infrastructure. These synchronised initiatives form a dual strategy that connects consumer-facing services with merchant tools, unifying both ends of an expanding digital marketplace under Chowdeck’s ecosystem.

By incorporating bill payments, Chowdeck is initiating monetisation strategies that transcend mere delivery commissions and transform routine transactions into deeper financial interactions. For merchants, the Mira merger solidifies Chowdeck’s role as a comprehensive tech enabler, not just a delivery intermediary, granting oversight of consumer spending and merchant receivables.

Chowdeck is crafting a self-contained economic loop where funds from food deliveries and utility top-ups remain circulating within its platform. This move elevates the company from the low-margin delivery sector into the lucrative domain of payments and capital flows. 

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The rollout aligns precisely with Chowdeck’s momentum. Following a $9 million Series A funding round in August 2025, the platform has undergone an aggressive rebranding effort to position itself as a comprehensive technology provider. In Nigeria’s fiercely competitive fintech landscape, dominated by giants like OPay and PalmPay in consumer payments, Chowdeck leverages its entrenched user behaviour: millions of app openings weekly, driven by hunger pangs. Extending this engagement to payments converts habitual app usage into revenue-generating financial activity.

Nevertheless, the path to becoming a super app is riddled with obstacles. System integrations heighten technical intricacies and invite regulatory oversight, particularly regarding KYC compliance and anti-money laundering protocols. Merchant loyalty hinges on the POS system’s dependability—uptime reliability, payout velocity, and error-free reconciliation. Mastery of these operational nuances will determine if Chowdeck can replicate its delivery excellence in the fintech realm.

Chowdeck’s move into a super app by integrating delivery, payments, and merchant services reflects a broader wave sweeping Nigeria’s digital economy. Since 2023, the country has experienced an increase in multi-service apps, driven by rising smartphone penetration (projected to exceed 60% by 2025) and a young, urban population seeking convenience. 

Food delivery platforms like Chowdeck and Glovo initially capitalised on post-COVID habits, but with delivery margins thinning (often below 15%), diversification into fintech has become a survival imperative. OPay and PalmPay lead the way with ride-hailing, bill payments, and savings, processing billions of transactions monthly through CBN-licensed operations. 

Chowdeck’s moves mirror Jumia’s pivot to payments and Bolt’s expansion beyond rides. This trend has been fuelled by over $2 billion in fintech investments since 2022. Still, it remains fragmented, with more than 200 licensed fintechs competing, leading to aggressive cross-subsidisation (e.g., zero-fee top-ups to boost retention). 

Regulatory pressures from the Central Bank of Nigeria (CBN) on interoperability and data security add tension, yet enable scale. In Nigeria, this trend accelerates financial inclusion, reaching the unbanked 40% via mobile, but it risks monopolies, with top apps capturing 70% of digital payments by mid-2025.

Super app expansions, such as Chowdeck’s, could indirectly boost Nigeria’s and Africa’s tourism by enhancing digital infrastructure and visitor convenience. In Nigeria, where tourism contributes approximately 4% to the GDP (pre-2025 data), seamless bill payments and POS integrations could streamline experiences for the over 2 million annual international visitors (e.g., instantly topping up local SIMs upon arrival at airports like Lagos or Abuja). For intra-African travel, which is growing at a rate of 15% year-over-year, unified apps reduce friction in cross-border payments, encouraging regional tourism to destinations like Yankari Game Reserve or Obudu Plateau. 

Continent-wide, Africa’s tourism sector (projected to be $200B by 2030) benefits from super apps’ closed loops: tourists using one app for food, transport, and attractions (e.g., integrating with hotel bookings) spend more locally, boosting SME merchants in hospitality. 

However, challenges include data privacy risks that deter high-end tourists and regulatory hurdles that slow pan-African interoperability. It positions Nigeria as a digital tourism hub, potentially increasing inbound flights and ecotourism revenue by 10-20% through frictionless experiences.

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FAQs

1. What is Chowdeck’s new Bills feature?  

The Bills tab enables users to purchase airtime and mobile data directly within the app, marking Chowdeck’s first consumer fintech product and expanding beyond food/grocery delivery.

2. When was Mira acquired and integrated by Chowdeck?  

Mira, a POS startup, was acquired in June 2025; full technical migration was completed and confirmed to merchants on November 10, 2025.

3. What makes Chowdeck a super app?  

By creating a closed-loop system that links consumer payments (bills, orders) with merchant tools (POS, settlements), it turns frequent food app usage into a comprehensive daily utility for payments and logistics.

4. What challenges might Chowdeck face in this expansion? 

Technical integration complexities, regulatory scrutiny on KYC/AML, and ensuring POS reliability (uptime, fast settlements) are among the challenges Chowdeck may encounter in its expansion.

5. How does Chowdeck differ from competitors like OPay? 

Chowdeck leverages high-frequency food delivery habits (millions of weekly opens) as an entry to payments, unlike pure fintechs, giving it a behavioural edge in Nigeria’s crowded market.