A KongaPay merchant is one who wants to accept Payments Online and offline. KongaPay helps Nigerian businesses accept payments from bank accounts, cards & KongaPayaccount and payout to sub-merchants in the case of market place merchants.

• Business Name, Address and RC registration – Who are you?
• Scanned documents of signatories (Memorandum of Article, CO2, CO7 and CAC) – Registered to run a business?
• Phone number (Verified with One Time Password)
• IDs and BVN of signatories – A simple validation exercise Business Bank Account – Where to settle your proceeds.
• Passport Pictures of the Signatories

You will be provided with Live Credentials, which include a Merchant ID, Login and Password to the KongaPay Merchant Admin Portal.

• Login in using your Email Address and Password
• Click on Transactions Tab
• View Transactions

If you have multiple stores, then you will be able to view all the transactions from your sub stores from the main account under the transaction “tab”. The personnel for the main account would have to Log in using their email and password and click on transactions tab and then can filter based on stores or location.

You can setup a sub store by doing the following:

• Visit your KongaPay Admin Portal.
• Login using the main account’s email and password
• Click on Store
• Input the store Name
• Then create the admin personnel for that store

• Simple and Easy way of accepting payments.
• Fast and Easy Integration of SDKs and Web Plugin
• Integrated machine learning based fraud prevention to help minimize risks and chargebacks
• Seamless payment experience for your customers
• Increase in revenue by allowing your customers setup recurring payments
• Robust Merchant Admin to view all your transaction reports and track your revenue
• Ability to do Bulk Payments to your staff from the Merchant Admin Portal

You can accept payments offline using two approaches;

• You can generate your QR code on your MPOS app, then present it to your KongaPay customer to scan to pay.
• You can also get your KongaPay customers to pay from their KongaPay user app or web, by supplying your merchant ID or merchant name and have your customers send money to your KongaPay wallet, using “Pay” menu on their KongaPay app or web.

• Login to the KongaPay MPOS App with your merchant ID and Pin
• Enter Amount
• Give customer the KongaPay MPOS device to input their KongaPay Pin and One time password sent to their Telephone Number from the Bank
• Click on ‘Pay’
• Merchant gets an alert of payment made immediately

The merchant gets an alert of payment made instantly. However, settlement to merchant is done at the end of the following day.

This depends on the merchant package type as the transaction fees differ. The minimum applicable transaction fees per package type are as shown below:

Transfers are made on a 1day rolling (T+1).

No, there are no other fees except from those listed above. We never charge for setup or maintenance.

While setting up your payout bank, you might come across this error. Not to worry as this is due to the difference in the name inputted on the KongaPay platform and the name currently on your ATM card or with your Bank.
To have this rectified, provide a clear scanned copy of a valid means of Identification (National ID or Driver's license or International passport) bearing same name as it is on your banking details to [email protected].

If you forget your Login details, you may use the reset PIN feature on your KongaPay platform or please contact 0708 063 5700, 0809 460 5555, 07007000000, 018883435, 09070038917 or send an email to [email protected].