Have Questions?
Explore the General FAQ about Otapay
Otapay is a community-driven financial technology platform offering secure and seamless solutions for bill payments, airtime recharge, data subscriptions, and more. Every transaction contributes to supporting underserved communities.
No, Otapay is not a bank. It operates as a financial technology company. Banking services are provided by our licensed banking partners.
15% of our net profits are reinvested into education, healthcare, and infrastructure projects in underserved communities in Nigeria.
Otapay is powered by Pulseford Limited, an ecosystem for educational services, skill acquisition, and digital transformation.
Otapay combines convenience, affordability, and purpose. Every transaction directly contributes to social impact initiatives, making your payments meaningful.
To create an account, visit the Otapay website or download the Otapay app from the Google Play Store or App Store, enter your details, and verify your phone number or email.
You need a valid phone number, email address, and a few personal details to complete your registration.
No, you need an account to access Otapay's features. Registration ensures security and a seamless experience.
Click on “Forgot Password” on the login page, enter your registered email or phone number, and follow the instructions to reset your password.
No, each phone number or email can only be linked to one Otapay account.
Otapay allows you to pay for electricity bills, airtime recharge, data subscriptions, cable TV subscriptions, and other essential services.
Currently, Otapay focuses on services within Nigeria. International services may be introduced in the future.
Most transactions are processed instantly. However, in rare cases of network issues, it may take a few minutes.
If a payment fails but your account is debited, the amount is refunded to your Otapay wallet automatically within minutes. If not, contact support.
Yes, Otapay supports payments through all major Nigerian banks and mobile wallets.
Yes, Otapay uses advanced encryption technology to ensure all transactions and user data are secure.
Immediately change your password and contact Otapay support for assistance.
No, Otapay values your privacy. Your information is never shared without your consent, as outlined in our Privacy Policy.
Otapay charges minimal fees for certain services, but these are transparently displayed before confirming any transaction.
Yes, you can fund your Otapay wallet using your bank account, credit card, debit card, or other supported payment methods.
Yes, transaction limits depend on your account verification level. Higher limits are available for fully verified accounts.
Otapay partners with local organizations and stakeholders to identify impactful projects. Funds are directly allocated to education, healthcare, and infrastructure initiatives.
Visit our Community Impact and Project page or follow us on social media for updates on ongoing and completed initiatives.
You can reach Otapay support via email at help@otapay.ng, through the in-app chat, or by calling our helpline.
Our customer support is available 24/7 to assist with any issues or inquiries.
How to make money on Otapay
Explore the FAQ on how to Earn Money on Otapay
Yes, Otapay offers multiple ways to earn money, whether through reselling VTU products, upgrading your plan, referring others, or leveraging additional features like affiliate sites.
Otapay provides three plans that allow users to earn based on their chosen status: Subscribers: Purchase Otapay products like airtime and data at discounted rates for personal use. Agents: Resell products with greater discounts compared to Subscribers, making it ideal for resellers. Vendors: Access the highest discounts, perfect for running a VTU business and offering bulk services.
The referral program allows you to earn commissions every time someone you referred uses Otapay or upgrades their account. Here’s how: Earn N500 for every customer who upgrades to an Agent. Earn N2,500 for every customer who upgrades to a Vendor. Earn N1 commission for each transaction made by your referrals on services like data, cable TV, electricity, and exam pins.
The Otapay Affiliate Site is a fully functional VTU platform that works just like Otapay with limited features. this allows you to start your own bill payment platform with low budget. You can customize it with your domain name and payment gateway. the Affiliate site is integrated with Otapay’s API for smooth and automatic transactions. You earn profits from every transaction made on your site. Otapay handles all technical support while you focus on marketing and growing your customer base.
Yes! As an Agent or Vendor, you can resell Otapay products like airtime, data subscriptions, and utility payments. Agents get higher discounts than Subscribers. Vendors enjoy the highest discounts, making it ideal for those running a full-fledged VTU business with high profit margin.
You earn commissions on the following services: Data subscriptions, Cable TV payments, Electricity bill payments, Exam pin purchases
Agents: Best for small-scale resellers looking to offer VTU services with moderate discounts. Vendors: Perfect for large-scale resellers or businesses, offering maximum discounts on all Otapay products.
To upgrade your account to an Agent or Vendor, log in to your Otapay dashboard, navigate to “Upgrade Plan,” and complete the payment process. You’ll immediately start enjoying better discounts and earning opportunities.
Share your unique referral link from your Otapay dashboard. Encourage others to sign up and use Otapay. Earn commissions when they transact or upgrade their accounts.
Yes! Even as a Subscriber, you can save money on personal transactions like airtime recharge, data subscriptions, and utility bill payments due to the discounts Otapay provides.