From company decision to real-life experience.

PanovaaX connects workplace benefits with everyday services and experiences. Organisations manage the support they offer, members choose eligible benefits, and merchants and service providers participate through their own accounts.

Employers, employees, merchants, service providers and individuals can create an account suited to their needs. Creating a personal account does not automatically grant workplace benefits. Employer funded access depends on your organisation, allocation and programme eligibility.

PBU means PanovaaX Benefit Units. The public reference is 1 PBU = ₦5,000 of eligible benefit value, so 20 PBU = ₦100,000. PBU is not unrestricted cash or a withdrawal balance. Your programme determines eligible categories, providers and allocations.

The catalogue covers food and living, health and wellbeing, transport, home, family, learning, financial wellbeing, lifestyle, productivity, recognition and later life support. A category in the catalogue is not a guarantee of a live service. Check confirmed offers and your account eligibility before making plans.

Create your personal account using your personal email, then connect through your organisation's checked invitation or joining process. Your organisation membership and its identifier remain separate from your personal login.

Your employer decides the categories and allocations it funds. You choose from the eligible benefits available to you. Service location, provider participation and programme rules determine what you can use.

Your personal account is separate from your employer. Organisation membership can be connected or disconnected through the checked account process. Access to that organisation's benefits depends on its programme rules, so confirm your current allocation before using a service.

Individuals verify when their confirmed contact and required profile details are complete. Organisations, merchants and providers submit details for PanovaaX review. Verification is not a promise of available services or a referral reward.

PanovaaX operates from Port Harcourt, Abuja and Lagos, with Africa facing digital access. Physical service coverage depends on participating providers. Check the location on each confirmed offer, rather than assuming a service is available in every city.

The marketplace displays admin confirmed, published offers with their listed price, location and availability. The benefit catalogue includes coming soon category examples. Upcoming services belong on the Launch List. If no confirmed offers are published, there is no confirmed public inventory to book.

Booking requires sign in and available capacity. An offer's details show its price and applicable terms. Online checkout depends on the connected payment service, and a booking is confirmed only after payment is verified. An example or test payment does not create a paid service reservation.

Join the Launch List with the service, state and city you need, adding your area if useful. Signed in members can reuse their saved details and follow service availability. Notifications are sent when a followed service is confirmed as available, not simply when an idea is submitted.

Use the business onboarding form to share your business and services for review. Published marketplace offers require confirmation of the service, price and availability. Approved partners use their portal to follow eligible activity and settlement progress.

Yes. You can submit a business onboarding request or partnership proposal without creating an account. Participation, verification and any negotiated commercial terms are handled separately.

PX SI means PanovaaX Smart Intelligence. It provides guidance within PanovaaX, helping you understand benefits and find the relevant account tools. The public demonstration shows example guidance. Signed in guidance respects your account access and does not grant benefits, approve payments or make services available.

A verified account is not automatically a qualifying referral. Referral rewards depend on an approved qualifying Scan & use transaction and the programme's checks. You can review your referral progress and any issued benefit reward in your account.