Please follow the processes as shown in the snapshots below for 3DS Verification ;


1. Click on 'Verify'


When you reach the daily limit of N1,500 or weekly limit of N2,000 on Zoto, you will need to verify ownership of the card by clicking 'verify' on the popup as shown below




2. Select Authentication Method


To select an authentication method, choose between;

Receive OTP via your registered phone number or email OR

Your bank's TokenĀ 




3. Enter your 'OTP' code


To complete the transaction, enter the one time password sent to you via text/email or your bank's token.




Once this is done, your card is now verified and you can make transactions up to N9,999 at a time.