Wednesday, December 28, 2016

At just N20 to N50: Online Sports Prediction, Make money in Less Than Two Hours

...from Account funding with ATM cards to Cashing out, all with your phone.
No automatic alt text available.

Shop Bets has a Minimum of N100 stake, but Online?

A Stake is as low as N20 (1960bet) to N50 (MerryBet) upwards,
So you can try your luck without losing much. 
Leverage on your intelligence at predicting sports outcomes 
(win, lose, draw, or scores sheet, etc) and earn cool stash of raw cash.

Even ladies are outsmarting guys in this. 
This is a money making venture, no shame in it. It is available to anybody at all times, even from the corner of your room or wherever so far you have internet-enabled phone.
On The Go!

Saturday, November 26, 2016


MMM is a year old in Nigeria with over 2Million (and counting) members already getting 30% profit on their spare money every month. How those it work? How does the 30% come about? Is it really safe? However, if you are not a member yet, join between November 24-30 to win a N1000 at MMM's one year anniversary promo. Read on....

Prince Nosa Onaiwu

Friday, November 25, 2016

MMM is Giving N1000 Away to Newly Registered Members to Mark One Year Anniversary, Nov 24- 30

A 1000 Mavro-Naira Gift for Every Newly Registered

According to news on the member-to-member donation platform website, there is going to be a rosy Christmas for all newly registered members between November 24 to November 30, 2016. Hurry now and claim your own N1000 for free. You don't have to do any other thing than registration to claim yours.

Thursday, November 24, 2016

Online Prowler / Internet Scammer: ENARUNA FERGUSON AGANBI, A Rogue Ecobank Customer, Account No: 5503010618

ENARUNA FERGUSON AGANBI, A Rogue Ecobank Customer, Account No: 5503010618

Being smart with your finances also means being stealthy about who you transact with online. The internet or mobile or social networks can be faceless. While there are lots of very honourable and honest internet users, some fraudsters also thrive under the covert and relative facelessness of the internet to hone their dishonest schemes, even to a ridiculous degree. Some engage in direct manipulation of individuals (social engineering) to extort. Many of these fraudsters even craft out

Tuesday, November 22, 2016

MMM - Mavro-50% Is Available When You Provide Help in Bitcoin

Mavro-50% Is Available When You Provide Help in Bitcoin

Check this link for an explanatory introduction to everything you need to know about Bitcoin. The introduction include list of all major platforms where you can register for a wallet address and where you can buy and sell your bitcoins.
For members who wish to have international opportunities to provide help to others all over the

Bitcoin Up and Running - Everything You Need to Know

Bitcoin - Everything You Need to Know
 We are not delving into the technicalities of Bitcoin on this forum, that can be sourced for elsewhere on the internet. The aim here is to introduce you to the basic information you need and its application to every day life.
Bitcoin is a form of digital currency, created and held electronically. No one controls it. Bitcoins aren’t printed, like dollars or euros – they’re produced by people, and

NNN Nigeria is Here, 35% in 21 days is their Offer

NNN Nigeria  is Here: An Alternative to MMM?

In programming, N is greater than M, applying this rule, does it mean NNN Nigeria has better offers in the offing? Let's dive into their features which is an exact replica of MMM through and through. The platform can be easily assumed to come from higher members of MMM who want to make theirown unique statment in the world of member-to member donation's world.
Can they really compete with the much-loved MMM in Nigeria?
To check them out get an account right now.

Wednesday, November 16, 2016

How To Send Money Abroad, Without Exchanging for Hard Currency

A lot of families are finding it really hard to send funds to their relatives and business partners abroad. No thanks to the economic recession that Nigeria as a country is passing through. Government policy through CBN directives is ensuring that hard currency is not enjoying exuberant ovation in the nation's financial system.
In this article, I will give the 3-steps guideline on how to go about sending your fund within few hours (all the processes and funds transfer), you can always use the process afterwards.

Sunday, November 6, 2016

An Even Bigger Competitor to MMM is Here

An even crazier competitor to MMM is here, heard of iCharity Club before?
Well they give you chance to earn 5x of initial donation of N6000 as 5 persons donate exactly that amount to you as downlines: N6000 x5 = N30,000 and next level is N12000 x5 = N60,000 and on and on till you reach Grade 10, lol. MLM thingy? Kind of, not much effort from you except your initial donation. Members under you get the job done.
iCharity Club is a member-to-member donation platform for members to help other members in a systematic way. By using this platform, member can give and receive donations from each other. 

Friday, November 4, 2016 Nigeria in Partnership with Bookmakers

According to Goal Nigeria, the company is now in a new partnership with LionsBet bookmakers. The company offers online customers a wealth of options when it comes to betting through

The innovative sport betting platform offers the best odds in Nigeria with no hidden fees or commissions on deposits. The website is simple to use, safe & secure and backed by a team of sports betting experts with the aim of delivering the best online sports betting experience in Nigeria with an unrivalled customer service.

LionsBet offers up to 5million naira combination bonus on bet slips with a variety of loyalty promotions that will shake your bank account. Registration is the first step to enjoying all these benefits after which you make a deposit and then play.

  • 100% first deposit bonus up to N10,000

  • A wide selection of sports betting pre & live matches,

  • Up to 100 virtual games including football, dog, horse racing and many more

  • Plus instant payout of your winnings in less than 10 minutes upon request.

LionsBet is licensed and regulated by the Lagos State Lotteries Board.

It’s time for an upgrade Nigeria! Welcome to the Kings’ arena, we treat you like royalty!

Visit today to start making money from your favorite matches.

Sunday, October 30, 2016

List: Direct Download Links to Updated Nigerian Banks Mobile Banking Apps

To make your banking life a whole lot Smart, fun, and easier, adopting D-I-Y (Do It Yourself) concept of Mobile Banking is the way to go. Always convenient, fast and secure. With Mobile Banking services you can do basic banking transactions from the convenience of your mobile phone anywhere anytime.

Compiled in the list below is the download link, reviews and android version support to all banking

Monday, October 24, 2016

EJinsight: Man or Robots, Who Will Win in This Fintech Era?

The topic of the 2016 Financial Planning Association’s Annual Conference was financial technology.

Global financial planners discussed the future direction of the industry and how that would transform our daily life. One of the most interesting topic was whether artificial intelligence (AI) would eventually replace human beings in the financial services industry.

If so, which sub-sectors are more vulnerable?

Bank of the Future May Be Invisible

With more advancement in financial technology, the digital technologies and advanced analytics have the potential to create the Invisible Bank of the future. Powered by artificial intelligence (AI) and activated by voice, virtual banking assistants can become an integral part of our daily lives.

Fintech Development: ​Australia Partners with Kenya

Financial regulatory authorities from both jurisdictions have signed an agreement that will encourage the discussion of cross-border technology concerns.

The Australian Securities and Investments Commission (ASIC) has signed a cooperation agreement with the Capital Markets Authority of Kenya (CMA) in a bid to boost financial services technology for both countries.

The agreement, signed in Hong Kong during a board meeting of the International Organization of Securities Commissions (IOSCO), establishes a framework for both parties that allows the sharing of information on their respective markets such as emerging trends as well as regulatory issues.

According to both parties, the partnership has been established as a result of the growing need to compare regulatory road blocks with other regions, with ASIC noting that innovation in the fintech space is not confined by national borders.

Continue on...

Cellulant was a Winner at the 2016 African FinTech 100 Awards

The African Fintech Award event provides entrepreneurs, bankers, investors and advisors with an opportunity to seek solutions and opportunities offered by fintech startups.

Kenya’s financial technology provider Cellulant was declared the winner of the Payments and Transfers segment of the 2016 African FinTech 100 awards held in Johannesburg, South Africa last Thursday.

Sunday, October 23, 2016

If You Are Really Scared About MMM

I promised Smart Finance Moves on this blog right? I have made myself an "experimental lab rat" in order to get give you a feedback on how it works and in this article are my findings.

If you are one of the chronic doubter of the platform just like myself before, this piece shows you what you can do to test the water, raise your confidence and make money from it safely

Friday, October 21, 2016

Mobile Banking vs Mobile Money vs Mobile Wallet

These three concepts are interrelated due to the niche where they operate, the fintech world. They are not the same thing but many financial institutions name their apps randomly making each platform appear sometimes confusing. The names however have a ring to them that speaks volume of the concept of being "mobile", on the go. That exactly is what they all have to offer, automating banking and financial transactions on mobile devices. This give users more mobility and flexibility of doing business transactions and other activities at any time and anywhere. Financial activities have grown beyond the traditional banking sector.

On many occasions have mobile money apps being denoted as mobile wallets. The understanding of these different fintech platforms seems to elude people and organizations who have found it hard to give any clear definition to their apps. The

Sunday, October 16, 2016

PocketMoni: Funding Your Account

Funding your PocketMoni Account

We discussed about PocketMoni, a product of eTranzact, how to get yourself registered on the platform and as well get the app downloaded in this post. The aim of this post is to show the options available to you for funding in order to be able to use it for your payments and other transactions.

Below is a list and processes for transferring funds into your pocketMoni account for later use during

PocketMoni from eTranzact : Mobile Banking

eTranzact is in the league of Interswitch Group in the world of financial services handling across Africa and the rest of the world. Of course these two fintech giants started operation in Nigeria in the early 2000s, both coys have come a long way and are still waxing stronger. PocketMoni, from the stable of eTranzact is a worthy competitor with Interswitch's Quickteller. Competition is good in any clime, Abi una no remember the tale of Messi and C.Ronaldo? Not actually a tale, we are still in their era but that exactly is what competition can do to anything -Vying to be the best. In our own respect, consumers of fintech services are reaping the prospect in Nigeria and Africa as a whole.

PocketMoni is a mobile payment solution designed to allow users conduct financial transactions anytime, anywhere, from a phone.

The Groom And The Rotund Bull: Part 2

Graciously, the merchant agreed to sell. Tunde was very happy. Unfortunately, enough cash to get this special specie was beyond reach at that moment. He cannot accept to leave the vicinity without any of his selections, none would be left behind. Problem is not about the price but the cash.
The two drivers, Bayo, Uche and two other hands from the ranch have started packing and tying the ones already paid for into the lorry. The groom is down with the merchant brainstorming how best to get cash across, then something clicked.

Saturday, October 15, 2016

Online Credit Facilities in Nigeria: In Need of Funds Urgently?

Ignorance will not be you excuse for financial handicap anymore after reading this piece. 
Are you in any urgent need of money to: Sustain till month end; Complete a project; Start up as an entrepreneur; Keep yourself out of a mess; Have a splendid weekend with that new hot babe (Isn't this a really bad decision, who cares?); or Lemme guess, You've butchered your school fees and the school authority is breathing down your neck this exam period so there's urgent need to pay your arrears, I can relate, calling home is a no-go area. 

Securing loan from banks and

Friday, October 14, 2016

Affiliate Marketing: Leveraging on Nairaland, LIB and Others

Nairaland (NL) forum website and Linda Ikeji's Blog (LIB) are known to be the online traffic cabals in Africa. 

Seun Osewa is a magnanimous human being, I believe he's trying his best everyday to tame his tumultuous and rebellious online machine. Not his fault, how well can you, Yes You! out there manage a group of civilized human beings albeit packs of energetic e-warriors and unrestrained political fanatics? This man is trying his best. Leave ethnic chauvinism and political jingoism (the two sections filled

Affiliate Marketing: You Do Not Require a Blog or Website to Start

You do not have to own a website or blog to make money from affiliate marketing. Yes, you read that correctly. Online social or forum account is good for a start, I am a witness.

Affiliate marketing is the process of earning a commission by promoting other people's (or company's) products. You find a product you like, promote it to others, and earn a piece of the profit for each sale that you make. Smart Passive Income

Digital Finance Can make Your Life Easier and Strengthen Nigeria Economy

The earlier we adopt digital finance the better for the economy and for all parties concerned,humans, banks, corporate bodies, or the government? Just mention it.

 Increase to GDP from digital financial services by 2025

In the not too distant future, I am patiently awaiting that time when in Nigeria and Africa as a whole people will fail to recollect the last time they went to a bank branch to make a payment. Digital finance has transformed rich countries, where many now consider paying bills online, sending money to biz partners and family from phones, and not having to wait in line at the bank, as a norm.

In developing nations, however, two billion people don’t have access to basic financial services such as savings accounts and credit. That’s almost half of the developing world’s adult population. Giving most of these people access to those services using mobile phones and the internet would increase the GDP of emerging economies by $3.7 trillion by 2025, according to a study by the McKinsey Global Institute. That’s a 6% boost.

Continue reading on...

Thursday, October 13, 2016

The Groom And The Rotund Bull: Part 1

This is going to be a once in a lifetime celebration. Yes, it comes bet once –his wedding. After this, the rest would be anniversaries and all the glamour would have faded, at least a little.

Tunde had promised his bride to hunt for the best flock of cattle humanely possible, and present to her family specifically, “a fat and rotund one”. He laughed out to his proud self, forgetting the entire outside world around him. The driver jolted him out of his reverie, cutting him short with “Oga you are really happy o, and I am happy for you”.

Tunde suddenly “boned face” feigning serious and stern look but he can’t helped it. Could he? He has got to relieve himself of those military stances because this week till weekend, he is the groom

Exhaustive List of Commercial Banks in Nigeria, October 2016

This is a thoroughly curated list of active and licensed commercial banks in Nigeria as at 13 October, 2016. You are free to suggest your bank if it was omitted.

Names Head Office Address Website
Access Bank Plc Plot 999c, Danmole Street. Off Adeola Odeku/Idejo Street.Victoria Island, Lagos
Citi Bank Nigeria Ltd 27, Kofo Abayomi Street, Victoria Island, Lagos
Diamond Bank Ltd Plot 1261, Adeola Hopewell Street, Victoria Island, Lagos.

The Interview: Part 3

«« Part I  « Part II

Part III

...explained "I am still paying you only that the money will go into your bank account".

The driver retorted, "Who told you I get bank account?" Jovially seeing that the man is no more tensed he said "Oga, big man like you go get one now."
By this time, the driver was curious and the passengers were listening in on the conversation with each one eager to know about the end of the drama. One more person and the bus would be ready for take off.

Wednesday, October 12, 2016

The Interview: Part 2

Part II

« Part 1 Part III »

By 10:02am his taxi stopped by the Iwo road park. Lagos buses are always conspicuous from any direction in any park, even all over Nigeria. Getting down, the sun was shinning crimson gold, so bright Ope had to cover his face from the illumination. He complained to nobody in particular "Na wah o, the kind weather wey we dey experience these days sef" and switching to Queen's English almost effortlessly "Is this not too much for a Monday morning now?" His grumbles was about the heat he would experience on whichever bus he might board eventually. As he was walking towards the inner section of the motor park, different conductors rushed, dragging him and trying to buy him over when he told them his destination he was left with just one of them who guided him to the loading bus.

Adding to his discomfort was a throbbing ache on the right side of his head, from the temple down to the nape. Runny nose was automatic, right eye grew red and teary with the pulsating pain stringing the right part of his face with each beat of his heart. He sometimes experience this sensation whenever he's faced with a stressful situation like this very one. It was as if the devil himself is organizing a party around that part of his body. Ordinarily, he would have opted out of the interview if it hadn't being his childhood dream job, and the urgency involved.

Thank heavens, the migraine did not last long as always but the short intense fit of about 10 minutes was soul-wrenching.

After securing a seat, two more passengers would get the bus filled up. This is serious, there would be not much wait for him to get a cash at the ATM close by. He looked in the direction of the bank, shook his head, the same old story. Throngs of angry and anxious users are on a really long queue. Each person on the lookout for anyone to try to outsmart, lynching with curses will be inescapable. The sun is scorching no be small.

Plan B was activated, trying his luck with the driver before he started collecting the fare.
"I better try my luck with the driver", that seems to be the best move now was his conclusion. He was calculating frantically how to break the ice, these drivers can be lousy and derisive. He would have to bargain with the driver using mobile banking option to pay  else joining the next turn and the god-forsaken ATM queue would be a bad choice but who knows...

He approached in the most polite way as he could but the man answered back half-heartedly. Drivers do not count politeness as a virtue, they are used to polite perverts in the park every other day, to them, no one is to be trusted.

Ope started almost doubting his own words but suddenly gained the courage "Oga I beg o, I get one issue." he paused a little, expecting a feedback, none came and he continued
"I get one very important appointment now, in fact if I no reach Lagos in 2 hours time na serious problem for me".

The driver answered "So?" vaguely and with clear disinterest not minding who was talking.

Ope furthered "its about the fare..." and abruptly, the driver cuts in
"Eh..en, what about the fare? Is it too expensive again? You know how much we buy fuel per litre now? You..." 
He was ranting away when Ope interrupted with "No, it's not that. I do not have cash on me here but I have a way to ..."
"No no no no no..." he was so loud that every person nearby was gazing in their direction.
All the passengers in the driver's bus were already onto was was transpiring, the whole show was ongoing beside bus.
He continued "...go get the money or join the next turn, I no be father Christmas. Abeg na money..." he did the sign of counting money using his right fingers to scrape the left palm repeatedly " money I want else join the next bus."

He allowed the driver to calm down a bit and ...

~~ Mobile BankingUSSD Banking, eaZymoney, Quickteller~~

continued on part 3/3...

« Part 1  Part III »

The Interview: Part 1

Part 1 

Part II » Part III »»

OMG! He shouted, jumping up from the sofa where he laid after leaving the bed. His very much treasured sofa positioned adjacent to the bed side. It has become an early morning ritual, laying on the sofa after each wake to surf the net for twilight news or check through his mail before any other thing. He was unusually lazy this Monday morning and woke up so late. Keeping late before bed really got to him this time, never going to sleep until well after 3am.

Tuesday, October 4, 2016

Mobile Banking in Nigeria

Mobile banking is a service provided by a bank or other financial institution that allows its customers to conduct a range of financial transactions remotely using a mobile device such as a mobile phone and using software, usually called an app, provided by the financial institution for the purpose. Mobile banking is usually available on a 24-hour basis. Some financial institutions have restrictions on which accounts may be accessed through mobile banking, as well as a limit on the amount that can be transacted. Wikipedia: Mobile Banking

Mobile banking: USSD Banking in Nigeria

USSD Mobile banking in Nigeria

See Mobile banking in Nigeria for a general introduction to mobile banking.

Unstructured Supplemetary Service Data (USSD), that is a technical term in the telecommunication industries you do not have to bother much about unkess a nerd, to dig more about it on google.
We are more concerned about its application to the world of mobile banking.

Of course you are familiar with the use of telecommunication companies' (telcos) USSD codes to query for various information about your account. In Nigeria, *556# and *123# fetches your airtime balance with MTN and Airtel network respectively, by prompt on-screen response on your mobile. The response displays your expected information from the service provider. It is no more a telcos thing, USSD is gaining more ground across many fields that have adopted technology in passing information across to people. East Africa most especially Kenya is championing the course of mobile technology on a global scale, companies such as Hamwe Technologies a mobile value added services provider and aggregator with SMS and USSD gateway connections to mobile network operators, has rolled out a couple of USSD implemented services across sectors such as agriculture, health, finance etc.

Below is a list of financial instutitions making use of USSD Mobile Banking in Nigeria and their shortcodes. Follow the links for a concise peruse of each platform's offers or kindly check this page often for updates.

CompanyMain USSD code
Diamond Bank    *710#
Fidelity Bank*770#
First Bank*894#
Skye Bank*833#
Sterling Bank*822#
Unity Bank*389*215#
Wema Bank*322#
Zenith Bank*966#

USSD is extensively used by telcos however the trend have changed. Financial institutions via Mobile Banking is making the usage of USSD shortcodes trendier. Gone are the days you need to get into a banking hall just for a clue of your account statement or to transfer funds to business partners or relatives. All these can be accomplished with mere press of a few buttons or scroll through a few menus on your mobile phone.

It does not require the use of sophisticated phone, see USSD transaction going on on the basic phone below.

Right with you is your whole bank. Dialing the relevant USSD shortcode releases at your very reach, the world of inclusive financial transactions absolutely within seconds. Welcome to the 21st century, the era that technology finally took over.

How Mobile Banking Works?

  • Make use of the correct USSD short-code relevant to your transaction and platform.
  • Use the correct code and follow the prompts, it is very easy and intuitive. 
  • Provide your card serial or PIN when requested.
  • You will receive immediate response and prompt on what to do next.
  • Confirmation of successful transaction will be communicated to you by SMS or email or both. 
  • Unsuccessful transaction will be communicated to you by directly and you will not be charged.

Thursday, September 29, 2016

eTranzact: Genesis Card

Category: Fintech

eTranzact Genesis Card is another brilliant product from eTranzact.

eTranzact Genesis Card is the EMV Card solution that comprises a wide range of services that precisely suit your need and choice so that you only pay for what you need.
EMV cards are more secured making it more difficult to clone /counterfeit with PIN verification for transaction.

Why Genesis?

The eTranzact Genesis portfolio has all the advantages of EMV cards. It offers value-for-the-money without compromising product performance, security and maximises consumer and merchant confidence. With the added security of eSA, eTranzact Strong Authentication, your Genesis card is completely protected against PIN fraud.

eTranzact Prepaid debit card otherwise known as Reloadable card is a prepaid card. It is different from a debit card which is tied to the card holder account. eTranzact Prepaid card is not tied to any bank account, as such it operates with a virtual account that is domiciled on the eTranzact Central switch.

The eTranzact Prepaid Card (Reloadable Card) provides an effective means for the promotion of a cashless society and to help the unbanked. When a purchase is made, the debit goes to the customer’s ePurse (virtual account) while the merchant account is credited real 'time' irrespective of the where the account is domiciled.

For more information contact Tranzact via:

Tel: +234-01-7101060
FAX: + 234-1-01-2701163


eTranzact: ATM CardlexCash

Category: Fintech

This is mobile banking at its best. Cardless and cashless money transactions can be breathtaking even with eTranzact's ATM CardlexCash. You can't be an Oliver Twist asking for more. Even if you are, eTranzact's got our back.

I am an advocate of online, mobile or cashless banking, preaching the gospel to whoever cares to listen within my vicinity. We've got to move away from the world of insecurity and take a giant leap into the 21st century. eTranzact is on the fastest moving train, you'd better hop in.

eTranzact ATM CardlexCash is designed for the eTranzact global payment network; the solution allows a transferor (person sending the money) to transfer funds from his mobile phone, and have those funds collected by a third party at an ATM machine without the use of the physical debit Cards! This revolutionary product leverage on the subscriber's mobile phone, the eTranzact platform, and ATM processor of partner banks (or payment ISO) to perform convenient funds transfer and collection for the end users. As part of eTranzact efforts to bridge the gap between the banked and the unbanked, this service provides an unprecedented, secure and effective means of transfering funds from one party to the other through the means of a mobile phone. This solution makes funds easily available irrespective of distance between the sender and receiver.
This product leverage on "using your everyday tool, your mobile phone, for your every activity".The advent of eTranzact ATM CardlexCash is et to revolutionize the process of money transfer globally.

This innovation proposes a faster and convenient process of money transfer. With this solution, the recipient does not need to have a bank account to receive funds and does not need to go to a bank branch to collect funds, which can only be done during working hours. It also eliminates the need to use an ATM card to withdraw money.
For more information contact Tranzact via:

eTranzact WebAccess

Category: Fintech

Isn't it sweet and commendable when you do not need to rack your brain to remember too many account details, passwords for different but related financial services?

The solution to that exactly is what eTranzact is bringing to your table with a single web interface to manage as many bank accounts as you have, packaged for you in the product named eTranzact WebAccess™.
eTranzact WebAccess™ gives members (eTranzact Cardholders) access to their bank accounts online-real time, making it easy to do banking when it's convenient. eTranzact WebAccess™ is accessible globally over a secure internet connection. Authenticated members can navigate the system, leveraging on a single web interface to manage multiple bank accounts.
With this facility members can aggregate all their accounts (from separate banks) unto one secure web interface which WebAccess offers. The new WebAccess offers improved security features; it can be customized to include plug-ins for the payment partner's operations.

eTranzact WebAccess™ also offer a most rewarding user experience making navigational easy and friendly for end users.

For more information contact Tranzact via:

Tel: +234-01-7101060
FAX: + 234-1-01-2701163



Category: Online Payment Platforms

eTranzact is one of the earliest pace setter in the world of financial technology in Nigeria, across Africa and beyond. This company along with its strong competitor in Nigeria, Interswitch Group, have well over a decade of vibrant performances and astounding service deliveries under their belts and are still yearning for more. eTranzact is an industry giant and leader in the world of payment switching and solutions with a wealth of innovative platforms for in an encompassing financial inclusion modus operandi.
eTranzact is a Nigerian award winning multi-application and multi-channel electronic transaction switching and payment processing platform.
eTranzact was launched in September 2003, and has today evolved into a brand with global reach extending its innovative services to include products which cut across virtually all aspects of the e-payment space; ATM, Internet, POS, and Mobile. The company currently has operations in six other countries around the world; South Africa, Ghana, Zimbabwe, Kenya, Cote d’voire and United Kingdom.

As a result of their professionalism, many of the local banks and foreign banks are enlisted on their platform to benefit from their first class service. Presently, eTranzact is in partnership with 70 Universities in Nigeria, and has being involved in providing unparalleled service delivery to Education generally, Government Parastals, Banks, ICT, Aviation Travel & Transportation, Telecommunications, Financial Markets etc. eTranzact has evolved into a brand with global reach. eTranzact offers payment solution platforms and easy payment channels to its numerous customers while providing security, convenience and affordability.

eTranzact Services

Payment Processing: eTranzact is a multi-application, multi-network and multi-channel electronic payment platform.

Terminal testing: eTranzact has extensive knowledge and experience in the area of quality assessment, testing and certification of Point of Sale (PoS) terminals, Automated Teller Machines (ATM) and other transaction devices.

Training Services: eTranzact training unit offers indepth product training on its products and solutions.

eTranzact Products

  • eTranzact Genesis Card: An EMV Card solution.
  • eTranzact ATM CardlexCash: Designed for the eTranzact global payment network.
  • eTranzact WebAccess™: Gives members (eTranzact Cardholders) access to their bank accounts online-real time, making it easy to do banking when it's convenient.
  • eTranzact mCommerce solution: The first truly operational mobile banking application.
  • eRemit: An online international money transfer service.
  • eTranzact Strong Authentication (ESA): Provides Two Factor Authentication (2FA) for ATM, POS, Mobile and Web transaction.
  • eTranzact WebConnect: A solution developed to accept and process payment on behalf of the merchant.
  • eTranzact PayOutlet™: is a solution designed to allow Merchants collect payments
  • eTranzact CorporatePay: Allows Private Organizations and Government Agencies to automatically handle payments of salaries
  • TopUp: For easy recharge of your phone and relatives with less hassle.
  • EasyMe: A youth empowerment programme targeted at the youthful population is intended to provide a source of income to the youth
  • PocketMoni: A mobile payment solution designed to allow users conduct financial transactions anytime, anywhere
For more information contact Tranzact via:

Tuesday, September 27, 2016

Interswitch: How to Become an Paypoint Agent

Category: Agents
Paypoint Agent In Interswitch's ​Financial ​Inclusion claims,

Interswitch Financial Inclusion Services Limited (IFIS) is the division of the Interswitch group which has the responsibility of making financial services more inclusive especially to the unbanked population of Nigeria. In response to the concern that the majority of Nigerians are either underbanked or unbanked, the division was set up to drive inclusion through nationwide deployment of agent networks known as Paypoint Agents.

The Paypoint agents carry out financial services in their neighbourhood on behalf of Interswitch. These financial services include Bill payments (PHCN, LAWMA, DSTV), Funds Transfer, Airtime recharge, Cash deposit and withdrawal among others. This is a direct competitor to Paga agent services, check them out, which is equally a fantastic service. They are all out to give the best in serving Africa The Paypoint locations are built in partnership with existing businesses who have already been recording considerable footfall. The agents are raised through a standard process which involves proper documentation and adequate training -this makes it possible for the agents to be able to serve the customers in neighbourhood adequately.

​Why be an A​gent?

Every business owner opens shop for profit. Our mandate is to bring to you much more business with zero physical inventory at the start. We help you see how simple an effort it takes to add this to your present business and we help you grow business volumes to justify your efforts in multiples. We start by hand-holding and never really leave you as we surround you with customer care support structures.

​How to become an Agent?

Any adult citizen carrying out legitimate small business can be an agent, once he/she meets the minimum requirements.
• Get identified as an agent potential or contact Interswitch to indicate interest
• Have a valid business location that’s visible or has current patronage footfall (rented or owned)
• Provide personal and business data and fill out the agent registration and contract form
• Provide copies of both proof of ID and location documents (hard copy and scanned)
• Pay (to an IFIS-designated bank account) the initial capital with which you will fund your trading account
• Get trained, run test transactions and complete the setup (get your location merchandised)
Conatct Interswitch by:
Call on 01-7004347
​Mail on
You can also become an Agent by filling the agent form here
The extensive FAQ is available for Download

Agent's Benefits?

Platform & Content
Huge content from QuickTeller and other Interswitch products
Over 5,000 billers & merchants
Marketing & Branding
Comprehensive, and targeted marketing communications support
Improved brand association
Coordinated Support Structure
Effective Agent Training
Onsite Training, Visitation, Quarterly Forum
Guaranteed Successful Entrepreneurs
More commissions and incentives
More services
More support

The Interswitch Group

Category: FinTechs 

This time we are digging up the profile of one of the trailblazers in the world of financial technologies in Africa. This is one big company that has being setting the pace for over a decade and is still re-iterating, getting better and stronger with each passing day.

This is truly a giant in the committee of companies, a breathing unicorn of great repute. I and many other persons, companies and institutions have being benefiting from their services for quite a long time now. I've had nothing but positive reviews for their professionally delivered automated services.

Interswitch is an Africa-focused integrated digital payments and commerce company that facilitates the electronic circulation of money as well as the exchange of value between individuals and organisations on a timely and consistent basis. 

The company started operations in 2002 as a transaction switching and electronic payments processing company that builds and manages payment infrastructure as well as deliver innovative payment products and transactional services throughout the African continent. Today, Interswitch is at the forefront of creating intuitive ways to pay and transact using digital technologies. Interswitch saw the distinction between traditional channels and customer touchpoints like bank branches, ATMs, POS Terminals, Kiosks, PCs, etc., gradually fading and giving way to a set of digital cloud services that can be assessed anywhere and anytime using mobile devices and wearables and delivering payment experiences like never before.


To clients, Interswitch offers training and advisory services in the e-payments and e-business industry on how to get the best return from their investments in electronic payments, and train to bridge identified gaps in knowledge, learning and development.
No matter how big you are, public or private, and in what industries or sectors you do business, Interswitch promised to help you work smarter and reach your goals.
- Loyalty Services
- Technology Integration
- Advisory Services
- Transaction Processing
- Payment Infrastructure
- Financial Inclusion

Products and Platforms

The major platforms I use mostly on Interswitch are the transaction processing and payment facilities and I can attest to their quality of delivery. These services will simplify your everyday transactions, hassle-free.

Payment Infrastructure

Interswitchs Electronic Funds Transfer (EFT) switching application, supports major networks including Verve, Mastercard, Visa and China Union Pay, besides other proprietary networks.

Transaction Processing

You can really save money and streamline your business with seamless payment processing.

The company through its versatility comes with standard transaction sets including debits, credits, transfers, recurring payments, pre-payments, inquiries, and payment information management and administration. Managed by Interswitch, this can reduce the cost of payment services, increases customer loyalty and boosts profits.

Easy Integration, Uninterrupted Service.

Interswitch payment processing integrates seamlessly into several existing software solutions (e.g. SAP and Oracle), ensuring that your organisation does not need to replace its current system. Interswitch also integrates internet payments using cards, tokens and devices with existing websites and other channels.
Interswitch transaction processing solutions can be classified into 6 main groups:
1) Payment, collections and monitoring solutions (Paydirect, Quickteller)
2) Funds disbursement solutions (Autopay)
3) Retail management (Retailpay)
4) Industry Solutions
5) Hardware products
6) Consumer products (Verve, Quickteller, and Rewards)

Third-Party Processing

Interswitch is also a leading third-party processor. Interswitch provides detailed reporting and analysis across various channels such as ATMs, Point of Sale terminals, and mobile phones etc. We also manage switching and transaction processing services for card brands like MasterCard, Verve and Visa.
For more information on the Interswitch Group, contact them at:

Customer ​Support: +234 700 906 5000

Interswitch: Quickteller

Category: Online Payment Platforms

Quickteller is one of the platforms available on the widely respected Pan-African financial services giant, Interswitch groupIn this piece we are going to get down to business with basic profiling of one of their amazing products, Quickteller, as described the on their website.

Meanwhile, I have been using without fail for quite a long time. The services have always been hitch free. They are a really helpful platform, reducing cost of transactions immensely.

- What is Quickteller?

Quickteller is a solution built with convenient access to an array of everyday services such as topping up your mobile phone, making payments, transferring money, buying movie & event tickets. The platform offers direct top up to credit your mobile phone, payments to billers such as DSTV, NairaBet, GOtv, Startimes, NairaBet, PHCN and Swift to name a few as well as send money to accounts in all commercial banks in Nigeria. A full list of billers can be seen here.

- What you can do on QuickTeller platform?

  • Buy airtime – Send airtime directly to supported lines in Nigeria and abroad. Please note visa that GTB cards are not enabled for recharge initiation on
  • Pay Bills – A large number of merchants, associations and schools have been aggregated on the plaform for you to pay your bills conveniently and securely. Billers such as DSTv, PHCN, Swift etc are on Quickteller. A full list of billers can be seen here.
  • Send Money – You can transfer money to any account nationwide. Please note visa that GTB cards are not enabled for funds transfer initiation on
  • Receive Money – Western union transfer sent to you can be received into enabled Agent banks. Click here for list of banks and the currency available.
  • Buy Movie & Event tickets – Why queue up at the cinema or an event when you can obtain the tickets from the convenience of your phone or home?
  • Manage Your Verve eCash – You can sign up and fund your Verve eCash, for easy paycode cardless transactions in seconds.
  • Manage your eWallet – You can add your cards and bank accounts to your eWallet, to make quicker transactions, bill payments and transfers.

- Different ways to access QuickTeller?

  • Visit the website - on web and smartphones
  • Or a Quickteller enabled ATM’s – Usually on the lower right hand side of the ATM menu.
  • You love being Mobile? Use USSD shortcode – *322#
  • Quickteller Native Application – visit to get Quickteller on your smartphone.
  • Quickteller Mini – a BBM integrated application, visit for easy D-I-Y steps.

  • - How to register for Quickteller?

    Alternatively, from the home page, click on the “Register” tile in the left panel. Enter all the required details.
    • After successfully registering you will receive and email with an activation code
    • Enter the activation code on the website to access your account
    • Registration is free and you will only be required to do this once.

    Monday, September 26, 2016

    Mobile Money: Quickteller's Verve eCash

    Category: Mobile Money
    In this era of cashless money policies, all major players in the financial industries are dazzling Nigerians and Africans at large with numerous brilliant platforms for quick and easier financial transaction, devoid of raw cash. Security is getting a better definition. In this piece, Quickteller's Verve eCash is profiled.

    Quickteller is a solution built with convenient access to an array of everyday services such as topping up your mobile phone, making payments, transferring money, buying movie & event tickets. The platform offers direct top up to credit your mobile phone, payments to billers such as DSTV,

    How to Become A Paga Agent

    Paga is a payment platform that has 2 channels (a) Agent Networks and (b) Online and Mobile Application. Paga provide services that allow you to send and receive money, make and receive payments; you can also buy and send airtime wherever you are. 
    Paga's agent network serves as the primary interface i.e online or physical location for cash-in and cash-out on the platform. As Paga agent you will receive commission for every transaction you perform, plus other bonuses and incentives. 

    With Paga Merchant services, your business can integrate with Paga to offer customers a secure and easy payment option either through your online platform or in-store.