Payment

Is it safe to recharge online?
Absolutely. Stanbic is our payment gateway partner and the same system is used by most Nigerian e-commerce portals. All the transactions are executed secure...
Fri, 10 Apr, 2015 at 3:43 AM
How can I make the payment?
There are two modes of flexi-payments Debit/ATM card Credit Card
Fri, 10 Apr, 2015 at 3:44 AM
What is CVV or CV2?
The CVV is the 3-digit at the back of your ATM card. To get your CVV code, kindly check the back of your ATM card for a three digit code. You can refer ...
Mon, 17 Jul, 2017 at 10:38 AM
How to verify your card.
Please follow the processes as shown in the snapshots below for 3DS Verification ; 1. Click on 'Verify' When you reach the daily l...
Mon, 7 Dec, 2015 at 1:59 PM
What does it mean for my transaction to be In-queue?
In-queue transaction occurs when you are trying to make a recharge and a network fluctuation occurs when the system tries to credit you.  The system ...
Tue, 8 Dec, 2015 at 2:38 PM
What do I do when my transaction goes In-queue?
Usually, you don’t need to do anything as the system has been configured to automatically retry your recharge process every 20 minutes until you get cr...
Fri, 4 Dec, 2015 at 11:03 AM
How long will it take for me to get a refund/ payment reversal?
We are sorry for the failed transaction you experienced,  usually after a failed transaction, you have two options; payment reversal to...
Mon, 7 Dec, 2015 at 11:22 AM
Why did my payment fail?
Recharging with Zoto should be a seamless and successful process. However, when a transaction fails, there are various reasons why that can happen on Z...
Tue, 8 Dec, 2015 at 12:27 PM
What payment method(s) does Zoto accept?
Zoto currently accepts both Master and Visa debit cards only. The cards also have to be registered to a local bank, that is a Nigerian bank.
Tue, 8 Dec, 2015 at 12:45 PM
What do I do if I got debited for this transaction?
In the rare event that you get debited for a payment that failed, do not panic.  The system has been configured to initiate a reversal into your bank ...
Tue, 8 Dec, 2015 at 12:07 PM