The payment system in Nigeria has experienced a major shift in recent years from the traditional mode of payment, resulting in a cashless society through mobile banking. This is a welcome development as the traditional system has a lot of drawbacks like spending hours on a queue just to make a transaction. Also, the advent of debit cards poses a challenge of inability to make payments if the card is not readily available, coupled with outrageous service charges from POS operators. Even in mobile banking, some challenges still abound such as network failure and session timeout which can be experienced while using USSD or Mobile banking applications. We are proposing an IVR payment system for customers to make payments to merchants for their goods and services. This system is very unique as it is yet to be explored in this part of the world. Imagine being able to make payments through a phone call. The need for better payment alternatives which hinges on convenience, affordability, accessibility and speed cannot be overemphasized. Our system does not require mobile data to be able to make payment transactions after purchase. Interestingly, it does not necessarily require a smartphone and as such has a high penetration especially in the rural areas, also providing a vocal guide to initiate payments for those who are visually impaired. We are able to achieve this by implementing the IVR technology, enabling customers and merchants to enroll on the platform and carry out payment transactions.