Top Up Nigeria supports the following payment types

-Visa (Verified By Visa)
-MasterCard (MasterCard SecureCode)
-Maestro (MasterCard SecureCode)
-Interswitch ATM card

Verified by Visa or MasterCard SecureCode are secure payment systems developed by Visa and MasterCard for safer online transactions. They are simple to use, and available to make your shopping over the internet safer when using a debit or credit card.

When registering for these services you would be asked to choose a PIN for use when making a purchase over the internet at a participating retailer.

If you have not already registered your card for Verified by Visa or MasterCard SecureCode you may be prompted to register while you shop online.

If you do not want to register whilst shopping, you should contact your bank or register your cards via your card issuer’s website as soon as possible.

Top Up Nigeria uses Barclays Bank for our credit card processing as it has the highest levels of credit card security currently available.

Your payment may have been declined because:
-You are not registered for Verified by Visa or MasterCard SecureCode.
-You did not enter the correct PIN for your Visa, MasterCard or Maestro payment. Note that no PIN, no confirmation, no purchase.
-You may have used a credit card that is not supported by our payment processing system e.g. American Express, Solo.

InterSwitch is a company offering highly secure electronic payment using debit cards.

Enter the recipient's mobile telephone number in the box provided in the international format (without the leading '00' or '+' sign). Numbers should not contain spaces or other characters. For example;

Nigeria: The Nigerian number 0802 123 4567 should be entered as 2348021234567
UK: The UK number 0795 123 4567 should be entered as 447951234567
US: The US number 347 123 4567 should be entered as 13471234567

SMS messages can be up to 160 characters including spaces.

See below for instruction to top up:

Celtel: Type *126* followed by the 16-digit PIN sent to you and the # key, then press the "Yes/Send/OK/Enter" key.
Mtel: Type *199* followed by the 13-digit PIN sent to you and the # key, then press the "Yes/Send/OK/Enter" key.
Glo: Type *123* followed by the 14-digits PIN sent to you and the # key, then press the "Yes/Send/OK/Enter" key.
MTN: Type *555*1* followed by the 12-digit PIN sent to you and the # key, then press the "Yes/Send/OK/Enter" key.

This stands for Top Up Nigeria account. This account holds your credit which can be used at anytime to make payments without having to process/enter your credit card details. You will need to register to have a TUN account. TUN accounts can be credited by logging-in, viewing account and clicking the Top Up Account link.

All payments are processed securely by and at Barclays Business and Interswitch. Top Up Nigeria does not hold any payment details.

The transaction fee is the cost which is charged for processing your payment and also for delivering text to your requested destination phone (please note that text fee is standard and inclusive and is subjective to the user to use the text delivery).

Top Up Nigeria calculates your exchange rate at 2.5% lower than the mid-market rate to account for rate fluctuation. The mid-market rate is neither "buy" rate nor "sell" rate. Mid-market rate is derived from mid-point between the buy and sell rate of large-value transactions in the global currency markets.

Verification Code: On registration you were sent a verification code to your registered mobile phone. Use this code when requested.
Or
Text-to-verify: To verify your mobile phone number you can also, Text TUN to +447786200350 from your registered mobile phone.

To use the free SMS feature, you need to answer yes to the following:
Have you verified your registered mobile phone number?
Have you made one completed transaction?