Yes. You can open an account online here while out of the country.

No you cannot transfer funds from a Dollar to a Naira account and vice versa because both accounts are in different currencies. You can however convert funds in your dollar account to Naira and have this paid into your Naira account at the official exchange rate by visiting any Zenith Bank branch nationwide.

Accounts can be opened with any amount or with Zero balance as there is no minimum account opening amount requirement for all Zenith Bank Account classes with the exception of our Zenith Gold and Platinum Accounts that have a N1 million and N3 million requirement respectively.

No. A savings account holder can withdraw from his account at any of our branches by completing a withdrawal slip.

It is possible, only if the customer has different classes of accounts. E.g. a customer can have a savings account with one branch and a current account with another branch but cannot have 2 savings accounts or 2 current accounts with 2 different branches or with the same branch.

A search will be carried out on the new document and name will be changed if the search returns with matching information. edit button to change this text.

If the customer has a current or savings account with the Bank, A duly signed letter of authority instructing the Bank to debit the proposed amount from the customer”s respective account will suffice. Such instruction from the customer will include specific details needed to book the fixed deposit such as customer”s account number, amount to be booked, tenor of deposit and the agreed rate.

If the customer is not an account holder in the bank, he will have to open a fixed deposit account. (Refer to account opening documentation).

WHT charge is 10%. It is calculated as 10% of total accrued interest earned in a particular period on the fixed amount.

There are no specific rates for Treasury Bills as purchase is done through a bid/auction system organized by the CBN or through the Two Way Quote Market.

OBB means Open Buy Back and FBB means Fixed Buy Back. They are both products available in the Interbank market that enables banks to access short-term funds using their Government securities as collateral. The difference between the OBB and FBB is that OBB is open-ended (i.e. like a call deposit) while FBB has a fixed tenor.

Your total outstanding balance is shown as “Current Balance” on your Credit Card statement. The “Current Balance” is determined by adding any purchases and cash advances you made and subtracting payments or credits from the “Previous Balance”. Then appropriate finance charges and fees are added.

Your prepaid card is a reloadable card. You can add funds by reloading at any of our branches or transferring funds into it until the card expires.

Visa expiring cards are auto renewed one month to expiration day as long as the card was in use for the past 3 months. This means at the time your card expires, your new card will be available for pick up at your branch.

For Mastercard credit cards, customer is required to visit any Zenith Bank branch and make a request for credit card re-issue.

MasterCard - 4 years
VISA - 4 years
AfriGO - 4 years
Verve - 3 years

Yes, at POS terminals and on the Web.

Yes, always ensure it is a 3D secure site.

A Credit Card is a form of credit issued to customers and linked to a revolving credit account. Cardholders make repayment at the end of the cycle. Credit card cycle runs from 16th of the month to 15th of the next month. Credit cards let you borrow money to buy things now and pay later.

  A.Visa Credit Card
  B. MasterCard Credit Card

Customers who enjoy a good relationship with the bank.
Customers who want an easy to use widely-accepted way of making payments.
Customers who want extra benefits such as insurance and emergency assistance.
Customers who are frequent travellers.

Classic, Gold, Platinum and Visa Infinite

Yes. This will be determined by your credit history.

Zenith Visa/MasterCard credit card can be used wherever the Visa/MasterCard logo is displayed

 Credit cards are targeted mainly at existing customers.

Yes. Each card has its defined limits and usage parameters which is basically a fraud control measure. Parameters are set limits to the frequency and amounts for which a card can be used on a daily and monthly basis.

This is the percentage you have selected to pay back of your total outstanding usually 5%, 10%, 20%, 30%, 50% or 100%

Immediately inform our Card Centre on telephone numbers 09040854901 or 02012784901 or send an email to Cardservices@zenithbank.com to deactivate or hot list your card, and walk into any of our branches to pick up a new card.

A PIN (Personal Identification Number) is a four digit number used to access card account.

If you suspect someone else knows your PIN you must contact the bank immediately to have a new PIN issued or change it at the ATM.

After three (3) wrong PIN tries, your card will be deactivated. You should contact your bank to obtain further instruction on how to continue using your card.

You will obtain, complete and submit the pin-reissue form at your branch or if you remember your old PIN you can change PIN at the ATM.

You can settle your card account in two ways:

A. Minimum Due Balance payment: This is settlement due from the cardholder based on the monthly statement issued. It is derived using your settlement method, which was selected on your application form. Based on the Direct Debit Mandate, this amount is automatically taken from your account during the settlement period.

b. Additional settlement: Where the cardholder personally decides to pay off all or part of the outstanding debt. In this case, the cardholder will initiate settlement on the Mobile App on Internet banking of visit the nearest branch.

Settlement period for minimum due is from 30th of every month.

A Supplementary card is issued where a cardholder wishes to share the card credit limit with another; for example a spouse, child relationship, sibling etc.

The features include:
• A principal card must exist
• Both cards will share the principal’s card limit
• The principal cardholder is responsible for settlement of all transactions on the supplementary card.

The cummulative loading limit for prepaid cards are:
Naira prepaid card = N250,000
Dollar prepaid card = $5,000 quarterly
Pound prepaid card = £3,000 quarterly
Euro prepaid card = €4,000 quarterly

This service is currently unavailable but you can walk into the closest zenith bank branch to you and pick up an instant payment card.

The Zenith Bank Foreign currency cards are suitable for international transactions.

Kindly advise card services via Cardservices@zenithbank.com on your destination or current location and length of stay to allow them enable your foreign denominated card for international spend.

This service is currently unavailable on the zenith bank naira denominated cards, however you can opt for zenith bank foreign denominated cards. These cards are suitable for international transactions.

For individuals customers:
Visit any Zenith Bank branch and fill out a Gift Card Request Form.
For corporate customers:
Prepare a request letter on your company letterhead paper specifying the number of gift cards required and submit the request letter to the Customer Service Unit (CSU).

Visit any Zenith Bank Branch and request your preferred card type. The Customer Service Unit (CSU) officers will provide you with an Application Form to complete and submit back to them. You also have the option of visiting our website: www.zenithbank.com and printing the Application and Service Agreement Forms. Completed forms should be returned to the Customer Service Unit at any Zenith Bank branch, and an instant card would be issued to you immediately. If you require an embossed card, your card will be ready in 2-3 working days.

Submit a letter of complaint to the CSU officers of your branch with a bad/faulty card attached.

Yes, you can tie additional accounts to your Debit Card. For fresh requests, there is provision on the Application Form for the main (default) account number to be documented. There is also the space provided on the same form for the other account numbers (that the customer has, with zenith bank and would like access to).If the customer has got his access codes for a particular account and would like to add another account to the facility, he /she is required to write a letter to that effect. The letter, which must be duly signed by him, must have the following details:

Full names
Account numbers (both existing and new)
Branch
This letter should be submitted to CSU.

Please return the card with a letter requesting for another Debit Card with the correct name on it, to the CSU officer of your branch. A new card will be reprinted for you.

NAIRA, US DOLLARS, EUROS AND POUNDS

24hrs remote access to your savings/current/cash domiciliary accounts in the bank.
Quick and easy means of payment; replacing cash and cheque.
Can be used wherever the card brand logo is displayed, at ATMs, POS, Web and Mail/Telephone Order.
Single currency functionality for MasterCard Visa and Verve cards.
No interest charges; no collateral required, no settlement required as cardholder spends only funds available in his/her account.
3D Online Security -One time password (OTP) is sent to customers mobile phone and email address to secure online transactions.
Online access to transaction history through Internet Banking.

Yes, on any ATM where the MasterCard/Visa/Verve acceptance logo is displayed.

Yes, by using your internet banking or Mobile App.

Naira debit card = N1,075
Dollar Debit card = $3
Pound Debit card = £2.30
Euro Debit card = €2.70

The Bank offers debit, credit and prepaid card types.

The Zenith Bank Prepaid card is available to both customers and non customers of the bank.

Both cards require funds to be preloaded on them. However, the prepaid card is reloadable, while the gift card is not.

A prepaid card is a card that is preloaded with a specific amount. The card is not linked to the regular savings or current account

The prepaid card can be loaded at any Zenith Bank branch. Loading is done either from the carfdholder's regular account or as an over the counter cash deposit

Customers tends to enjoy all benefits associated with the scheme. Futhermore, Zenith Bank premium cardholders enjoys free domestic/ int'l airport lounge access.

Zenith Bank premium cardholders have access to travel insurance benefits

4.5% of total outstanding on the credit card

Once the customer has met all the credit requirements, the card will be processed and made available within 1 week.

The customer must be credit worthy or provide 100% cash collateral

The intended cardholder has to have an active account with the bank and also meet the credit card requirements of the bank.

Our Debit Cards are available in Visa, MasterCard, AFRIGO and Verve card brands

You should promptly contact your branch or the Card Services via email Cardservices@zenithbank.com or 09040854901 or 02012784901.

Virtual cards are developed mainly for online/ web transactions.

A virtual card is a digital card that functions like a traditional credit or debit card but without a physical plastic.

The zenith bank Virtual card cost N500

You can request for a virtual card via USSD (*996# then follow the prompt), or via the zenith bank website.

Due to market realities, the price of the zenith bank co-branded card is dynamic, please reach out to the card services team via Cardservices@zenithbank.com to get the requirements or contact your account officer for more information on co-branded cards.

 Yes. This will be determined by your credit history.

Prepare a request letter on your company letterhead paper specifying the number of cards required and submit the request letter to the Customer Service Unit (CSU).

Do not release goods or offer services for such transaction; there may be an automatic reversal of such transaction. Furthermore, the cardholder should visit his bank to lodge the complaint and ask for the Dispense Error Form.

Yes you can be set up on the POS Transaction Viewer. Your Account Officer should request on your behalf by sending the following information to possupportunit@zenithbank.com for the setup.
1. Merchant”s Account number
2. Email address
3. Phone number

The setup is completed within 72 hours.

Request the POS Settlement Viewer through your Relationship Manager by supplying the following information;
1. Your desired Username
2. Email address
3. Account Number

Upon creation you will be advised with the login credentials to access the portal and view the breakdown of all transactions done on your POS terminal. The setup is instant.

Please send a mail with Merchant name and Account number to zenithdirect@zenithbank.com for resolution.

A wallet is an electronic product that makes use of mobile phone number as the wallet ID. It can hold monetary value and be used for day to day transactions. In the financial world, your wallet ID can be your phone number, email address etc.

Zenith bank’s wallet is called eaZymoney.
Note: - *Your phone number is your account number*

eaZymoney is Zenith Bank’s mobile wallet solution, with which customers can send and receive money as well as perform other financial transactions with ease using a mobile phone.

Anyone with a mobile phone can own a wallet and anyone can subscribe by dialing the string (*966*0# or *966*77#).

This also means that a non-Zenith Bank account holder can own a Zenith Bank wallet.

• Send money to anyone (this means that anyone can receive money from you via their phone number, whether registered or unregistered on the eaZymoney platform)
• Send money from one eaZymoney wallet to another eaZymoney wallet.
• Send money from your eaZymoney wallet to a bank account.
• Send money from your Zenith Bank account to your eaZymoney account/wallet
  (Fully Banked Customers only)
• Send money from your Zenith Bank account to another Zenith Bank account or Other banks
  (Fully Banked Customers only).
• Bills payment / Pay Bills (Coming soon)
• Bulk Payments (Coming soon)
• Tie Card to wallet (Coming soon)
• Recurring payments (Coming soon)
• Link your Account to Wallet to enable higher transaction limits
• Buy Airtime
• Cash In (Deposit) or Cash Out (Withdraw)

Simply dial *966*0# or *966*77# to create wallet and follow the prompt.

• Step 1: Enter Last name, First name and Date of Birth (DOB).
• Step 2: Receive SMS on the phone number from where the USSD string is dialed.
• Step 3: “Successful wallet registration” and to dial back USSD string (i.e. *966*77*OTP#) for wallet activation

To activate your wallet, dial back the USSD string (i.e. *966*77*OTP#) received after creating your wallet.

The One-Time-Password (OTP) will be included in the SMS received.

Or

Dial *966*77# and select option 7 “Activate Wallet” to receive the SMS with USSD string (i.e. *966*77*OTP#) and your One-Time-Password (OTP).

After creating your wallet, Dial *966*77# on your mobile phone and select option 6 “Link Wallet to Account”.

Yes, it is safe. There is a verification/authentication process using a wallet/USSD PIN selected by you during the creation of your wallet.

A wallet PIN is a 4-Digit PIN that the new wallet owner will be prompted to input during the wallet creation.

A USSD PIN is a 4-Digit PIN that the new wallet owner will be prompted to input during the wallet creation.
Note: A user can either use wallet PIN or USSD PIN (for customers already registered on USSD only).

To change your USSD PIN, Dial *966*60# and select option 3 “Reset PIN”.

No, you do not need to have an account with any bank to create a wallet. This means that a non-Zenith account holder can run a Zenith wallet.

• Wallet Balance enquiry
• Fund Wallet (i.e. Self-wallet funding from own account, Wallet to wallet transfer and fund Third party wallet from own Account);
• Withdrawal from Wallet (i.e. Transfer to account, cash-out to branch, ATM and Agent)
• Bills payment / Pay Bills (Coming soon)
• Bulk Payments (Coming soon)
• Tie Card to wallet (Coming soon)
• Recurring payments (Coming soon)
• Airtime Purchase (for self, others and all networks)
  • MTN
  • Airtel
  • Glo
  • 9mobile
• Link Account to Wallet;
• Activate Wallet;
• Change Wallet PIN.

Yes, the following limits are applicable per wallet type:

Customers are categorized based on their KYC details.

Naira, although other currencies maybe available soon depending on regulatory policy.

You can pay a beneficiary via the Cash-out-Initiation options.
            Dial *966*77# and select option 3 “Withdraw from Wallet”, select the option
            “Cash-out via Agents/ATM From Customer

• Step 1: Customer dials USSD string and selects cash-out to agent/ATM/Branch
• Step 2: Customer enters Amount
• Step 3: Authenticates transaction with PIN
• Step 4: SMS containing reference number is sent to the customer’s Alertz number

Note: Beneficiary walks to the nearest Agent/ATM to retrieve cash.

• Beneficiary selects Cash-out on the ATM
• Enters amount, ref number, customer mobile number and the last four digits of the Reference number.

Transaction limits are dependent on customer categories (see above).

It can be used for;

• Petty Cash payments
• Sensitive transactions
• People with or without accounts (i.e. Displaced persons)

An eaZymoney Agent is a person or company that acts on behalf of Zenith Bank to carry out financial transactions like cash-in, cash-out.

Zenith Agent locations will be branded with Zenith Bank logos.

The list of Zenith Bank’s Agents and their locations can be found on the Zenith Bank website(www.zenithbank.com). Next, go to “SME”, under Merchant Services, and click on Agent Banking or simply follow or copy and paste the link in your browser: “Zenith Bank Agents & Addresses”.

No, all you need is a mobile number.

• To create a wallet: Dial *966*0# or *966*77# on your phone and follow the prompt
• To send money /transact: Dial *966*77#

Yes, you can. All you need do is link your wallet to your account to subscribe as a fully banked customer on the eaZymoney wallet platform.

It is free.

For first time log in, customers must use the account number and password provided in their ‘Internet Banking login activation letter’. The password must then be changed to one known by only the customer. The customer can choose to create their 4-digit PIN required for transaction authorization immediately after first log in or subsequently by clicking ‘Settings’ on the menu, and ‘Create online banking PIN’.

Funds can be transferred to both local (Zenith and other banks) and foreign beneficiaries.

A customer can perform the following transactions:

• Account Activity Monitoring/Reporting: View transaction logs, daily activities, download transaction reports.
• Funds Transfer within and outside Nigeria: Transfer money from your corporate account to any beneficiary’s account worldwide.
• Payroll Administration: Pay staff salaries electronically.
• Initiate draft requests from your office.
• Track Trade Finance Transactions: Monitor status of Letters of Credit, Payments, Confirmation and Establishments, Form M and Bills for Collection.
• View and transact on multiple bank accounts with other banks
• Make import duty payment and print receipts at your convenience.
• Cheque Confirmation: confirm cheques online
• Integrate accounting systems to Corporate Internet Banking for even less human input.
• Upload all manner of documents to payment instructions such that they may be viewed at the click of a button.
• Audit Trail: Completely monitor all activities on the platform.

Enrolling on Corporate Internet Banking is free. However, customers have to pay for the hardware token required for login and transaction authorization. Other transaction costs include:

• Local Money Transfer (LMT) transfer fee is =N=210
• Transfers to other banks incur charges based on the transfer platform used
  Bills Payment may also incur a convenience fee, depending on the type of Bill being paid.
• Transfers between Zenith Bank accounts are free.

• Non-interference with your network as no installation is required
• Efficient and faster processing for all payment types
• Cutting edge security using a Vasco token device which secures the system by providing time synchronous security and end to end encryption.
• 24-hours global access as it is a web-based solution.
• Multi-user access and role specific privileges structured to fit customer’s business model.

All you need is a personal computer or any other device with an Internet connection and your login details. Supported browsers  include Internet Explorer, Mozilla Firefox, Google Chrome, Safari, Opera etc

Go to www.zenithbank.com, select ‘Corporate’ on the Internet Banking drop down at the top of the page and click ‘Login’.

What is a Username?
Your Username is made up of your first and last name and is issued to you by the Bank. It is a mandatory requirement for login.

Where can I get my Username?
It is contained in the Activation Letter printed for you when you requested Corporate I-Bank. If you have forgotten your Username and cannot find the Activation Letter, you may contact your company account officer or the branch where you opened your account.

What is a PIN?
A PIN is a unique 4 -6 digit number created by you when you login to Corporate Internet Banking for the first time.

How do I create a PIN?
As a first time user who does not have a PIN, click on ‘New User?’ and create your unique 4-digit PIN.

My PIN was reset, how can I login?
Click on the ‘New User?’ link and enter your Username in the ‘Username’ field. Enter a unique 4 digit number in the ‘Create PIN’ field, re-enter the same number in the ‘Confirm PIN’ field, and enter the 6-digit number displayed on your token in the ‘Token code’ field.
What is Token Code?
Token code is the random 6-digit number displayed when you press the button on your hardware token.

Where can I get a Hardware token?
Your hardware token is issued to you by the bank when you register for Corporate Internet Banking. Please contact your Account Officer or Zenith Direct or walk into the nearest Zenith Bank branch to request a token.

I lost my token/my token is damaged
Kindly report the issue to your Account Officer. Fill an online Indemnity Form and request a new token.

I get an error message ‘Invalid token logon’ when I try to login. What does this mean?
It means your token has been locked. You should send an email to  HYPERLINK “mailto:eproductsupport@zenithbank.com” eproductsupport@zenithbank.com or  HYPERLINK “mailto:zenithdirect@zenithbank.com” zenithdirect@zenithbank.com with details of your Username, Account Number and token Serial Number (this is the number at the back of your hardware token). Kindly send the email from the email address you registered for Corporate Internet Banking with. Alternatively, you may call +234-1-2787000, 0700ZENITHBANK to speak with our Customer Care Specialists.

I get an error message ‘Token is locked’ when I try to Login
You should send an email to  HYPERLINK “mailto:eproductsupport@zenithbank.com” eproductsupport@zenithbank.com or  HYPERLINK “mailto:zenithdirect@zenithbank.com” zenithdirect@zenithbank.com with details of your Username, Account Number and token Serial number (this is the number at the back of your hardware token). Kindly send the email from the email address you registered for Corporate Internet Banking with. Alternatively, you may call +234-1-2787000, 0700ZENITHBANK to speak with our Customer Care Specialists.

What if I forget my PIN?

You should send an email to eproductsupport@zenithbank.com or zenithdirect@zenithbank.com with details of your Username, Account Number and token Serial Number (this is the number on the back of your hardware token). Kindly send the email from the email address you registered for Corporate Internet Banking with. Alternatively, you may call +234-1-2787000, 0700ZENITHBANK to speak with our Customer Care Specialists.

What if I forget my Username?
If you are the only registered Corporate Internet Banking user in the company, you should call +234-1-2787000, 0700ZENITHBANK to speak with our Customer Care Specialists. Kindly have details of your Account Number and token Serial number ready.

If you are not the only registered Corporate Internet Banking user in the company, you may contact your company account officer or the branch where your account was opened.

I get an error message ‘Token is locked’ when I try to login
You should send an email to eproductsupport@zenithbank.com or zenithdirect@zenithbank.com with details of your Username, Account Number and token Serial number (this is the number at the back of your hardware token). Kindly send the email from the email address you registered for Corporate Internet Banking with. Alternatively, you may call +234-1-2787000, 0700ZENITHBANK to speak with our Customer Care Specialists.

What if I forget my Access Code?
Access code is no longer required for login.

What if I forget my password?
Password is no longer required for login.

Please send an email to zenithdirect@zenithbank.com or call +234-1-2787000, 0700ZENITHBANK to speak with our Customer Care Specialists.

A corporate account domiciled in any of the Zenith Bank branches in Nigeria.

• A duly completed GlobalPAY Merchant Application & Agreement Form.
• A copy of the company’s Certificate of Incorporation.

Features/Benefits of GlobalPAY includes:

• Acceptance of locally and internationally issued cards: MasterCard, Visa and Verve Cards.
• Online real-time log for monitoring transactions as they occur.
• Real-time online processing of transactions i.e. instant debit of cardholder’s account immediately payment is made.
• Multiple card acceptances with single integration. Provides a global reach for your business.
• Reduces administrative overhead.
• Multi-currency processing
• Refund Capability/Automated Refund Processing
• Fully Redundant Processing
• PCI Compliance ensures highest levels of data protection
• Online Authorization Voiding
• Supports Mastercard Securecode and Verified By Visa
• Settlement can be done both in Naira and Dollars
• Provides a global reach for your business

3D Secure allows cardholders authenticate themselves while making online payments. It allows 3 domains to work seamlessly together.
Domain 1: The cardholders have the peace of mind that their cards are not used without their authorization.
Domain 2: Merchants are protected from fraud and can provide the product and service without delay or extra costs.
Domain 3: Banks see that the transaction has been authenticated and are more likely to approve the transaction, to the convenience of the cardholders.
The implementation of 3D Secure by Visa is called Verified by Visa, and the implementation of 3D Secure by MasterCard is called Secure Code. 

When you correctly enter your SecureCode during a purchase at a participating online merchant, you confirm that you are the authorized cardholder and your purchase is then completed. If an incorrect SecureCode is entered, the purchase will not be completed. Even if someone knows your credit or debit card number, the purchase cannot be completed without your SecureCode at a participating merchant.

When you pay with your Visa card, the Verified by Visa service launches automatically at participating online stores. After you enter your Visa card number and submit your order, a Verified by Visa window will appear and your card issuer will display an authentication page.

All Zenith Bank customers need AlertZ.
AlertZ gives you updated information on the following:

• all withdrawals from accounts
• all ATM withdrawals
• all pos purchases
• all internet banking transfers – to and from accounts; these could span through salary earners, traders, transporters with the need for shipping documents, BC notification – bills for collection, LC notification – letter of credit, form m notification (approval & scanning stage), RAR notification (risk assessment report) transaction notification – deposit & full (deposits & withdrawals), monthly statements notifications.

This is a reference number which confirms if an AlertZ is genuine or not. You can further confirm the reference number by doing the following;

• Send ‘verify *reference number’ to 30010 for Airtel, MTN, Visafone and 9mobile subscribers
• Or 31010 for Globacom subscribers.

Email notifications are free.
For SMS notifications, the charge is ₦4 per notification.

Yes. It can be set up for your foreign mobile number.

It is a unique 8-digit number assigned to a merchant.

Customers simply dial `*402*merchant code*amount# using any GSM phone.

Refer to the table below.

Kindly visit http://www.zenithbank.com/mcash or contact our 24/7 interactive call center (Zenith direct) on 01-292-7000 to get more information.

Scan to pay is an application that allows you make fast, simple and secure payments by scanning QR codes at merchants’ outlets using your smart phone. OR You can also dial the Merchant ID displayed at the merchant’s outlet using any GSM phone and enter a 4-digit pin to complete transaction.

QR is an acronym for Quick Response code. It is similar to the barcode displayed on items or goods in stores.

The Scan to pay app is designed for all bank’s customers.

Simply download the Zenith Scan To Pay mobile app from the app store and register as a customer. You will be required to create a 4- digit pin which will be used to complete your transactions.

Yes. You can add another account number by going to Settings >> View/Edit Profile >> Add Account

The account number selected before you scan to pay.

You will receive an email notification and an SMS notification on your registered phone number with the bank. The app will show an on-screen notification.

Yes. The limit is N500, 000 per transaction

Kindly contact ZenithDirect, our 24hr interactive contact center on 234-1-2787000, 0700ZENITHBANK and zenithdirect@zenithbank.com

It is an alternative way of collecting money easily and quickly from your customers without physically handling cash or experiencing any network challenges.

A. Customers simply scan the QR code displayed at your outlet(s) with a smart mobile phone and enter a 4 digit pin to complete transaction. 
OR 
Customers can dial the unique Merchant ID displayed at your outlet(s) using any GSM phone and enter a 4 digit pin to complete transaction.

QR is an acronym for Quick Response code. It is similar to the barcode displayed on items or goods in stores. It will be placed at your outlet(s).

This is what a QR code looks like:

Your account is credited instantly, once payment is made.

A transaction notification will be sent to you and the customer. The Scan To Pay app will also show a successful prompt.