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Help centre

Questions,answered.

The same answers you get in the AidaPay app, for buying data, airtime and bills, funding your wallet, and sending money with ScanPay.

Payments & Bills

What can I pay for on AidaPay?
AidaPay makes it easy to pay for your everyday digital and bill payment needs, all from one place.

You can pay for:

1. Data Bundles
2. Airtime
3. Cable TV subscriptions
4. Electricity bills
5. Other available bill payment services

To make a purchase:

1. Log in to your AidaPay account.
2. Select MODE.
3. Switch to Bill Payment.
4. Select the service you want to pay for.
5. Follow the prompts to complete your payment.

With AidaPay, your essential bill payments are just a few taps away. Copy link
What is the success rate shown on a service?
The success rate shows the percentage of transactions for a particular service that were completed successfully.

It gives you an idea of how reliably the service has been processing transactions based on its recent transaction performance.

Good to know:

1. A higher success rate generally means the service has a higher likelihood of processing your transaction successfully.
2. The success rate is based on recent transaction performance and may change over time. Copy link
How do I buy for someone I pay often?
Make frequent payments easier by saving the person as a Beneficiary on AidaPay. Once saved, you won't need to enter their details every time you make a transaction.

To add a beneficiary:

1. Log in to your AidaPay account.
2. Select Extra.
3. Tap Beneficiaries.
4. Select the option to add a beneficiary.
5. Enter the person's required details and save.

Next time you want to make a payment:

Simply select the saved Beneficiary when making your transaction, instead of entering their details again.

Save your frequent beneficiaries and make your payments faster and easier. Copy link
Can I buy more than one at a time?
Yes, you can make multiple purchases at once using AidaPay's Bulk Transactions feature.

To make a bulk purchase:

1. Log in to your AidaPay account.
2. Select MODE.
3. Switch to Bill Payment.
4. Go to Extras.
5. Select Bulk Transactions.
6. Tap New Bulk Transactions.
7. Enter a name for your bulk purchase.
8. Select the Service you want to purchase:
- Bulk Data
- Bulk Airtime
9. Enter the recipients' phone numbers, separating each number with a comma.
10. Tap Proceed to continue.

Save time by making multiple data or airtime purchases in one go. Copy link
What is cashback and where does it go?
Cashback is a reward you earn from eligible transactions or promotions on AidaPay.

Once earned, your cashback is credited to your Cashback/Commission balance.

To convert your cashback:

1. Go to your Cashback/Commission balance.
2. Tap Convert next to your balance.
3. Follow the on-screen instructions to complete the conversion.

Keep an eye on your Cashback/Commission balance to see the rewards you've earned. Copy link

ScanPay

What is ScanPay?
ScanPay is an AidaPay feature that lets you make payments and transfer funds conveniently. You can scan a QR code to complete eligible transactions quickly and securely.

How do I access ScanPay?

First, make sure your AidaPay app is updated to the latest version.

Then:

1. Log in to your AidaPay account.
2. Tap MODE beneath your dashboard.
3. Select ScanPay.
4. Follow the on-screen instructions to complete your transaction.

Keep your AidaPay app updated to enjoy the latest features and improvements. Copy link
The scan found more than one account
This message means the QR code you scanned is linked to more than one account, so AidaPay cannot determine the intended recipient automatically.

Before proceeding:

1. Confirm that you are scanning the correct QR code for the intended recipient.
2. Verify the recipient’s details displayed before completing the transaction.
3. If the issue continues, contact AidaPay Support for assistance.

Always confirm the recipient’s details before completing a transaction. Copy link
What is clipboard access in ScanPay settings?
Clipboard Access allows ScanPay to access information you have copied to your device’s clipboard, such as payment details, to help make eligible transactions faster and more convenient.

You can manage this permission through your device settings.

For your security, only allow Clipboard Access if you are comfortable granting ScanPay this permission. Copy link
What is my ScanPay QR code for?
Your ScanPay QR code makes it easier for other AidaPay users to send payments or transfer funds to you without manually entering your account details.

To receive a payment:

1. Open your ScanPay QR code in AidaPay.
2. Share your QR code with the person making the payment.
3. They can scan your QR code using ScanPay.
4. They can then follow the on-screen instructions to complete the transaction.

Share your ScanPay QR code to make receiving payments faster and more convenient. Copy link

Security

Can I use fingerprint or Face ID instead of my PIN?
Yes. If your device and the AidaPay app support biometric authentication, you can use your fingerprint or Face ID for quicker and more convenient access.

To enable biometric authentication:

1. Enable biometric authentication in your device settings.
2. Enable biometric authentication in the AidaPay app, where available.
3. Use your fingerprint or Face ID to access your account when prompted.

Your transaction PIN may still be required for certain transactions or security purposes. Copy link
What are security questions for?
Security questions provide an additional layer of protection for your AidaPay account. They help verify your identity when performing certain account-related actions, such as recovering or securing your account.

Keep your security question answers confidential and never share them with anyone. Copy link
How do I change my password?
You can reset your AidaPay password directly from the login page.

1. Tap Forgot Password.
2. Enter the phone number or email address registered to your AidaPay account.
3. Tap Reset.
4. A password reset link will be sent to your registered email address.
5. Check your inbox, including your Spam/Junk folder, for the email.
6. Open the email and tap the password reset link.
7. Follow the on-screen instructions to create a new password.

If you have any issues resetting your password, contact AidaPay Support for assistance. Copy link
What is Always On Guard (AOG)?
Always On Guard (AOG) is an AidaPay security feature designed to help protect your account from unauthorized access and suspicious activity.

It provides an additional layer of security by monitoring your account and helping safeguard your funds and personal information. Copy link
How do the Always On Guard protection levels work?
Always On Guard (AOG) protection levels determine the level of security applied to your AidaPay account. Each level comes with different security checks and restrictions based on the protection level selected.

A higher protection level applies additional security measures to help protect your account from unauthorized access and transactions.

Choose a protection level that provides the security you need while keeping your AidaPay experience convenient. Copy link
Can I unlock Always On Guard with my fingerprint or Face ID?
Yes. You can unlock Always On Guard (AOG) using your fingerprint or Face ID, provided your device supports biometric authentication.

This gives you a quicker and more convenient way to unlock your account while maintaining an additional layer of security.

Make sure biometric authentication is enabled on your device to use this feature. Copy link
I'm stuck on the Always On Guard screen - what can I do?
If you’re stuck on the Always On Guard (AOG) screen, try these steps:

1. Close and reopen the AidaPay app.
2. Check that you have a stable internet connection.
3. Make sure your AidaPay app is updated to the latest version.
Try accessing the AOG screen again.

If the issue persists, contact AidaPay Support and share a screenshot of the screen you’re stuck on. This will help our team understand the issue and assist you more effectively.

Keeping your app updated can help ensure you have access to the latest features and fixes. Copy link

Account

How do I update my personal details?
You can update your personal information directly from your AidaPay app.

Follow these steps:

1. Log in to your AidaPay account.
2. Go to Settings.
3. Select Account Information.
4. Tap Personal Information.
5. Select the detail you want to update.
6. Follow the on-screen instructions to complete the update.

Please note: Some account details, such as your registered phone number, cannot be changed. Copy link
Why is my account limited?
Your AidaPay account may be temporarily limited for security or verification purposes. This helps us protect your account and prevent unauthorized transactions.

If your account is limited:

1. Contact AidaPay Support for assistance.
2. Our support team will guide you through the required steps to restore full access to your account.

Please note: Account limitations are put in place to help keep your account and transactions secure. Copy link
How do I delete my account?
If you no longer wish to use AidaPay, you can delete your account directly from the app.

Follow these steps:

1. Log in to your AidaPay account.
2. Go to Settings.
3. Select Account Information.
4.Tap on Delete Account.
5. Follow the on-screen instructions to complete the process.

Please note: Deleting your account is an account-level action. Make sure you review the information on your screen before confirming. Copy link
Can I use one account on two phones?
No. For security reasons, your AidaPay account can only be actively used on one device at a time.

If you try to log in to your account on another phone:

1. You may be asked to complete the DUC Account Lock verification process.
2. Complete the required verification to regain access to your account.

Please note: This security measure helps protect your account from unauthorized access. Copy link

Rewards

What is the reward centre?
The Reward & Games Centre is your hub on AidaPay for discovering available rewards, promotions, and games that give you opportunities to earn rewards.

To access the Reward & Games Centre:

1. Log in to your AidaPay account.
2. Select Extra.
3. Tap Reward & Games Center.
4. Explore the available rewards, promotions, and games.
5. Follow the on-screen instructions to participate.

Check the Reward & Games Centre regularly so you don't miss out on available rewards and promotions. Copy link
What are AidaPoints (AP)?
AidaPoints (AP) are reward points you can earn through eligible activities and promotions on AidaPay. You can accumulate your points and use them for available rewards within the Reward & Games Center, subject to the applicable terms and conditions.

How do I earn AidaPoints from referrals?

When you refer someone to AidaPay, your referral will need to successfully complete at least 3 transactions before you receive your AidaPoints referral reward.

Once the requirement is met, your AidaPoints will be credited accordingly.

Keep referring, stay active, and build up your AidaPoints for available rewards. Copy link
How does the leaderboard work?
The Leaderboard ranks AidaPay users based on their performance in eligible activities or challenges.

Your position can change as you:

1. Earn more AidaPoints (AP)
2. Complete qualifying activities or challenges
3. Improve your overall score

Users with the highest scores appear at the top of the Leaderboard and may qualify for available rewards, depending on the specific challenge or promotion.

Keep participating and earning points to improve your position on the Leaderboard. Copy link

Referrals

How do referrals work?
Invite friends and family to join AidaPay using your referral link or code and earn rewards when they complete the required conditions.

To access your referral details:

1. Log<.bold> in to your AidaPay account.
2. Select <bold>Extra.
3. Tap Referrals.
4. Follow the on-screen instructions to access your referral link or code.
4. Share your referral link or code with the person you want to invite.

How do you earn your reward?

Once the person you referred signs up and meets the required conditions, you may be eligible to receive the applicable referral reward.

Share AidaPay with others and enjoy rewards for successful referrals. Copy link
My friend signed up but I got nothing
Your referral reward is only credited when the person you referred signs up using your referral link or code and meets all the required referral conditions.

If your reward hasn't been credited:

1. Confirm that your friend signed up using your referral link or code.
2. Ensure they have completed all the required steps for the referral reward.
3. If all requirements have been met and you still haven't received your reward, contact AidaPay Support for further review.

Please note: Simply signing up does not automatically qualify a referral for a reward. The referred user must meet the applicable referral conditions. Copy link
What is "Earn with AidaPay"?
It is the way into our Field Sales Agent (FSA) programme, the one the app calls Influencer mode.
As an FSA you get your own reference code. People who join AidaPay with it become your users, and you earn an incentive for each of them once they start transacting - plus a monthly FSA Target bonus on top of that.
Open it from Reward Centre → Earn with AidaPay, or from the bottom of the Referrals screen. The screen shows what we currently pay and what is expected of you. Terms and conditions apply. Copy link
Who can apply to become an FSA?
We look for people who are already bringing users in, so there can be two entry requirements: a number of users you have referred, and how much cashback those referred users have earned in the last 60 days.
The Earn with AidaPay screen shows the exact requirements in force today and how far along you are on each one. If a requirement is not set, it does not apply. Applications can also be closed for a period - the screen says so when they are. Copy link
How do I apply to become an FSA?
Open Reward Centre → Earn with AidaPay, fill in the short form - the reference code you would like, where you promote and how many people you can reach - and submit it.
You can only have one application under review at a time. Our team looks at it and you are told the outcome in the app; if it is turned down, the reason is shown on the same screen and you may apply again. Copy link
What happens once my FSA application is approved?
Your reference code is created and Influencer appears in the mode switcher. Everything to do with the programme - your users, your incentives, your FSA balance and your FSA Target - lives in that mode.
Your appointment runs for a set number of months, shown on the screen before you apply, and can be renewed. Your normal AidaPay account keeps working exactly as before. Copy link

Agents

What is the Agent Target?
It is a monthly cashback goal for agents. Every agent sits on a step of a ladder, and each step carries a target and a reward rate.
Reach your target before the month ends and we pay you back a share of the cashback you earned that month, then move you up to the next step - where the target is bigger and the share is better. Miss it and you simply move down one step and try again.
You will find it in Reward Centre → Agent Target in Bill Payment mode, and on the card on your dashboard. Terms and conditions apply. Copy link
Which cashback counts towards my Agent Target?
Bill payment cashback you earn yourself - airtime, data, electricity, TV and the rest - between the first and the last day of the month.
ScanPay transfer cashback does not count. Transfers are already rewarded on their own terms, so counting them here would pay you twice for one transfer.
Cashback earned by people you referred does not count either. The Agent Target is about your own activity. Copy link
What happens when I reach my Agent Target?
Three things, once the month closes:
1. You are paid a reward worth a share of the cashback you actually earned that month - the share shown on your step.
2. You move up one step, so your next target and your next reward rate are both higher.
3. Your streak goes up by one. Reaching the target on the top step pays again every month - there is simply nowhere higher to climb. Copy link
What happens if I miss my target?
Nothing is paid for that month and you move down one step. That is the whole penalty - there is no fee, no charge and nothing is taken from your wallet.
You can never fall below the first step, and the step you land on carries its own reward rate, so missing a month does not leave you on a worse rate than that step normally pays. Copy link
How much is the reward, and when is it paid?
The reward is a percentage of the cashback you earned in the month, and the percentage is the one written on your step - the Agent Target screen shows it, along with the most you can be paid in a single month.
Months are counted in full: from the first day to the last, Lagos time. Shortly after a month ends we take the final figure for that month and pay everyone who reached their target, so expect it in the first days of the new month. Copy link
How do I receive my Agent Target reward?
As a voucher tied to your account. Nobody else can use it, and it is valid for a limited period, so load it as soon as you get it.
The code appears on the Agent Target screen under last month's result and is emailed to you. To load it, go to Deposit → Load Voucher in Bill Payment mode and enter the code - the value lands in your main wallet. Copy link
Why does my target figure look lower than my cashback history?
The target counts one thing only: bill payment cashback earned in the current month. Your cashback history shows everything - ScanPay transfers included, and earlier months too.
So a transfer you were paid cashback on, or cashback from last month, will appear in your history without moving the target bar. Once the month closes, the figure for that month is fixed and is never recalculated. Copy link
What are the steps on the Agent Cashback Target ladder?
There are eight steps. Each one has a monthly cashback target and a reward rate - the share of your month's cashback we pay back when you reach the target.
1. Baby Boss - target ₦2,000 - reward rate 10% - ₦200 at target
2. Hustler - target ₦5,000 - reward rate 15% - ₦750 at target
3. Sabi Boss - target ₦15,000 - reward rate 20% - ₦3,000 at target
4. Big Fish - target ₦20,000 - reward rate 20% - ₦4,000 at target
5. Odogwu - target ₦25,000 - reward rate 30% - ₦7,500 at target
6. Oga at the Top - target ₦50,000 - reward rate 45% - ₦22,500 at target
7. Chairman - target ₦75,000 - reward rate 60% - ₦45,000 at target
8. Presido - target ₦100,000 - reward rate 70% - ₦70,000 at target
Everyone starts on Baby Boss. Reach your target and you move up a step; miss it and you move down one. The ladder in force today is always shown in Reward Centre → Agent Cashback Target. Terms and conditions apply. Copy link
How is the "reward at target" on each step worked out?
It is the reward rate applied to the step's target - so on Hustler, 15% of ₦5,000 is ₦750.
That figure is what you get if you land exactly on the target. The rate is applied to the cashback you actually earned in the month, so earning more than the target pays more at the same rate. None of the steps currently has a cap on the monthly reward.
The higher the step, the bigger the share: from 10% on Baby Boss up to 70% on Presido, the top of the ladder. Copy link
Do the higher steps come with any extra perks?
Yes. Beyond the better reward rate on every step up:
Baby Boss - your monthly reward starts here.
Big Fish - you join the priority support queue, so your requests are picked up ahead of the general queue.
Oga at the Top - the highest reward rate on AidaPay at 45%, and from here the rates keep climbing through Chairman and Presido.
Perks apply for as long as you are on that step or above it. Copy link
Still need help?Email our support team at [email protected] and we will get back to you.
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