Pay Attitude - Frequently Asked Questions

 PayAttitude Premium is a Chip+Pin Tag-type contactless solution based on NFC (Near Field Communication) technology that converts a subscriber/customer’s mobile phone handset to an NFC device and links the handset to the subscriber/customer’s 15 accounts Plus ePurse enabling the subscriber/customer to debit his/her account(s) for both Remote/Distant and Proximity/Contactless payment transactions. 
 PayAttitude Debit is a Chip+Pin Tag-type contactless solution based on NFC (Near Field Communication) technology that converts a subscriber/customer’s mobile phone handset to an NFC device and links the handset to the subscriber/customer’s Debit account Plus ePurse account enabling the subscriber/customer to debit his/her account(s) for different Proximity/Contactless payment transactions.
PayAttitude PrepaidPlus? is a Chip+Pin Tag-type contactless solution based on NFC (Near Field Communication) technology that converts a subscriber/customer’s mobile phone handset to an NFC device and links the handset to the subscriber/customer’s Prepaid/Mobile money account Plus ePurse account enabling the subscriber/customer to debit his/her Prepaid/Mobile money account(s) for different Proximity/Contactless payment transactions. 
  • Proximity/Contactless Transactions for all variants of PayAttitude:
  • Make contactless payments for goods purchased at Merchant locations e.g. retail supermarkets, pharmacy shops, bookshops, hotels, restaurants, bars, eateries, toll gates/plaza, parking lots etc.
    • Withdrawal of cash at ATMs
    • Withdrawal of cash using POS at Merchants locations
    • Make payment for regular bills like DSTV, PHCN, Internet Access etc
    • Purchase of airtime – both PIN and virtual top-up
    • Transfer funds from a Bank account to another and from a Bank account to an e-Wallet
    • Make balance enquiries on your bank account and e-Wallet
    • Generate mini-statements
    • Remote/Distant Transactions for only Premium
     
The benefits to the holder are;
  • The holder can spend whatever amount he/she has on his e-purse at any PayAttitude merchant shop.
  • The holder has no fear of network connection
  • All transactions within limit will be successful
PayAttitude® packs can be purchased at branches of participating banks, selected agent locations e.g. all major supermarkets, pharmacy shops, shopping malls, bookshops, eateries etc 
PayAttitude® packs can be purchased ONLY at branches of participating banks.
PayAttitude® packs can be purchased at branches of participating banks, selected agent locations e.g. all major supermarkets, pharmacy shops, shopping malls, bookshops, eateries etc.  
You can link as many as 15 bank accounts to your PayAttitude® Premium with up to 3 accounts per bank. 
 Your PayAttitude® pack upon purchase contains a SIM-like sleeve called “Secure Element”, a square-shaped Tag with adhesive and a User manual. 
Your PayAttitude® pack upon purchase contains a square-shaped Tag with adhesive and a User manual.
A functional mobile phone with a SIM card.
No you don’t. PayAttitude® works without internet access on your phone.
PIN stands for Personal Identification Number. It is a 4-digit number known only to you and is used to authenticate transactions done with your PayAttitude. Your PIN of choice is selected by you during the subscription process.
You will need to install and activate it by doing the following:
  • Proceed to the nearest branch of your bank where you have a bank account if you purchased it from a non-bank location and request for subscription and activation of your PayAttitude.
  • Request for subscription and activation if purchased from a bank branch.
  • Your PayAttitude® will be linked to your bank account and you can immediately start enjoying the functionalities of PayAttitude®.
Visit any of the participating banks branch and request to be subscribed to PayAttitude DebitPlus
Visit any of the participating banks branch/ Agent locations and request to be subscribed to PayAttitude PrepaidPlus. 
 Yes. A PIN (Personal Identification Number) is required before transaction can be successfully carried out. 
Simply proceed to the bank where you have other accounts and request to link your account(s) to it. 
For Online transactions, your bank account will be debited while for Offline transactions your e-purse will be debited. So, you must ensure availability of adequate fund in your bank account at all times for online transactions and adequate funds in your e-purse at all times for offline transactions.
For Online transactions, your bank account/prepaid account will be debited while for Offline transactions your e-purse will be debited. So, you must ensure availability of adequate fund in your bank account/prepaid account at all times for online transactions and adequate funds in your e-purse at all times for offline transactions.
You can fund your e-Wallet using various options below:
  • Transfer funds from your bank account(s) to your e-wallet. The transfer may be done at a bank branch, PoS at agent locations or by yourself if you have PayAttitude® Premium.
  • Make cash deposit at Merchant’s location into your e-Wallet.
 
Yes. By generating one-time transaction code you can:
  • Make cash withdrawals (i) on the ATM (ii) using the POS at Merchant locations if you have PayAttitude® Premium or at merchant locations only if you have Debit or Prepaid.
  • Make purchases on the internet if you have PayAttitude® Premium.
No. PayAttitude® works with all types of GSM phone and all Telco networks
No. Every transaction is protected with a Personal Identification Number (PIN) known only to the holder. Also, for PayAttitude premium users, the PayAttitude® items i.e. Secure Element and Tag cannot be used by any other mobile phone with a different SIM card except the holder’s original SIM card that was registered with the PayAttitude® 
To find out where you can use your PayAttitude®, click here to view the list of PayAttitude accepting Merchants locations 
  • Yes. This is because PayAttitude® runs on a platform that is compliant with EMV, PCI DSS Standards – These are the highest form of international security standards available.
  • The data exchanges are encrypted end to end.
  • Transactions are protected with a PIN.
  • In case of stolen phone, your PIN protects you against unauthorized use.
Please send an email to helpdesk@unifiedpayments.com or call 012703023, 012703021 and 012703011. 
Yes, you will be notified that your subscription will be expiring at a particular day
Kindly visit your bank branch or send an email to helpdesk@unifiedpayments.com or call our customer care on 012703023, 012703021, and 012703011 to lay your complain.  
You can take the following actions:
  • Call our Customer Care Centre number on: 01: 2703023 and request for your PayAttitude® to be disabled.
  • Visit any branch of your issuer bank and request for your PayAttitude® to be disabled.
  
This is governed by the limits that exists on your bank account and CBN regulations For offline transactions, the set limit is N1,000,000 per day maximum N250,000 per transactions.
You don’t need air-time for Contactless/proximity transactions. For Remote/distant transactions, you need just enough airtime to use SMS.
You can take the following actions:
  • Call our Customer Care Centre/ issuer bank contact center and request for e-purse to be deactivated.
  • Visit any branch of your issuer bank and request for your e-purse to be deactivated.

 
There will be add-ons for some terminals while some terminals will need to be replaced.
The consumers will need to put in their PINs for validation.
Yes it is
 They can go to the nearest merchant location or the nearest bank to them to load tags.
Yes, as long as they have PayAttitude®.  
Yes they are
Yes they can
Settlement takes the usual T+1.
Yes you can at authorized Merchant locations.
Yes there will
Yes it will. Little drops of water may not damage it but if dropped into a bucket of water for instance, the tag will be damaged. Even heat and exposure to sunlight damages tag.
No it can't.
Yes.
Certain questions will be asked.
There are no charges for payments to merchants. Convenience fees may be charged for certain transactions.
No app is required. The PayAttitude SE and Tag are adequate.
Yes, on the request of the customer.
Yes, on the request of the customer.
The tags are only differentiated at subscription, when the tag is mapped to a PayAttitude variant.
No.
Yes
Yes