Frequently Asked Questions

Click Get Started, fill in your details, verify your email, and set a 4-digit transaction PIN. Your account will be ready in under 2 minutes.

Go to Forgot Password, enter your registered email address, and we'll send you a 6-digit reset code. The code expires in 10 minutes.

Yes. Go to Profile after logging in to update your details. For security reasons, email changes require re-verification via a confirmation link sent to your new address.

Yes. iPay NG is fully registered with the Corporate Affairs Commission (CAC) of the Federal Republic of Nigeria. We operate in full compliance with Nigerian law.

Log in and go to Top Up. You can fund via bank transfer to your dedicated virtual account number or through the Monnify payment gateway. Funds are credited instantly once payment is confirmed.

Bank transfers are credited instantly once the payment reaches us. If your balance hasn't updated after 10 minutes, please contact support with your payment proof and the exact amount transferred.

Your main wallet balance cannot be transferred to third parties or external bank accounts. You can, however, purchase services (airtime, data, electricity, etc.) for any valid recipient number on the platform.

Your main wallet holds the funds you deposit and is used to pay for services. Your bonus balance is where cashback and referral rewards are stored. You can transfer your bonus balance to your main wallet at any time — instantly and free of charge.

We support all four major Nigerian networks — MTN, Glo, Airtel, and 9mobile — for both airtime top-ups and data bundles. You can purchase for yourself or any number in Nigeria.

First, check your transaction history. If the status shows pending or failed and your balance was debited, contact our support team with your transaction ID — we investigate and resolve all verified cases within 24 hours.

Yes. We offer competitive rates on all airtime and data products. The exact price is always displayed before you confirm — there are no hidden charges.

Yes. Use our Airtime to Cash feature to swap excess airtime for wallet credit instantly. The conversion rate is shown upfront before you confirm.

We support all major distribution companies: AEDC, EKEDC, IBEDC, PHED, JED (Jos), IKEDC (Ikeja), KEDCO (Kano), BEDC, and EEDC (Enugu) — covering every major distribution zone in Nigeria.

You can renew DStv, GOtv, Startimes, and Showmax subscriptions directly on the platform. Select your bouquet and enter your decoder number, then confirm.

Tokens are usually generated within seconds. Check your transaction history first — it's sometimes displayed there. If the token is still missing after 5 minutes, contact support with your meter number and transaction ID and we'll resolve it promptly.

Yes. We support WAEC, JAMB, and other examination scratch cards. Purchase your exam PIN directly on the platform and receive it instantly.

Yes. We support wallet funding for Bet9ja, Sportybet, 1xBet, MSport, 22Bet, and Betway. Select the platform, enter your user ID, choose an amount, and confirm — funds are credited instantly.

Yes. Every eligible transaction — airtime, data, electricity, cable TV, and more — earns you a 3% cashback credited instantly to your bonus balance upon successful completion.

Go to the Withdraw section in your dashboard and transfer your bonus balance to your main wallet. The transfer is instant, completely free, and there's no minimum amount required.

Yes. When purchasing any service, you'll see an option to apply your bonus balance to offset part of the cost — reducing the amount charged from your main wallet. It's seamless and happens at checkout.

Share your unique referral link with friends. When someone signs up through your link and completes their first qualifying transaction, you earn a bonus reward credited to your bonus balance. Rewards from fraudulent or duplicate referrals will be reversed.

Go to Profile → Security and select Change PIN. You'll need to enter your current PIN to authorise the change.

Immediately change your password and transaction PIN, then contact us at [email protected] or via WhatsApp. We will investigate and secure your account promptly.

Yes. All data is transmitted over encrypted HTTPS. Passwords are stored as bcrypt hashes and are never accessible in plain text. Every transaction requires your PIN authorisation, and we apply rate limiting and login lockouts to block unauthorised access attempts.