Please follow the processes as shown in the snapshots below to verify your 3DS card ;

1. Click on 'Verify'

When you breach the limits on Zoto (click 'here' to learn more about the Zoto limits), 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 Token 


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.