I've been seeing some online shops that are Nigerian.  How do you pay for goods bought there?  Is there credit/debit card in Nigeria now or what?  I tried to find out with some of the sites but they always ask me to register first and I don't have time for that.

How do you people in Nigeria pay for good bought from Nigerian Shopping Sites?

Most of the time, they pay by bank deposit. You go to the bank and pay the money into their accounts. This is the case for ShopForLess.com and Computerport.biz, as far as I know.

What they do at Xtaples.net is to allow you to 'checkout' your order without making any payment, then they call you later to settle your order and arrange payment.

Is there a credit/debit card in Nigeria now or what?

[I]International credit cards in Nigeria[/I]:
- The STB Mastercard Maestro : Credit and Debit Cards in Nigeria.

[I]Debit cards for payment in naira (within Nigeria)[/I]:
- Interswitch Debit Cards: See www.interswitchng.com.
- E-tranzact Debit Cards: See www.etranzact.net.
- ValuCard E-purse: See www.valucardnigeria.com.

However, very few online stores use these cards (Interswitch and E-tranzact are Internet-enabled) because, frankly, they are not yet ready to do business with Nigerian web merchants. You can imagine a company that wants web merchants to use its system insisting about a "formal business introduction" before they will even answer basic questions about their service. What is that?

Haha, this is interesting. So one has to go to the bank to deposit money to buy goods online? Instead of going to the bank, why not go straight to the shop/market to get what you want to get? It is even faster that way because you might have to queue at the bank, and the whole process would even be longer! IMO, this is not an e-commerce solution at all! It only ends up wasting time...and time is...


And about the subscription, what about those of us that are not in Nigeria? How are we going to pay? You need to find a way for us to pay o, cos u can't just kick me out like that.

IAH,

Your answer is available at:
https://www.nairaland.com/nigeria/topic-392.0.html#msg4297
(people outside the country will pay $50 by Western Union)

Best Regards.

Rather high for the environment... Volume and critical mass is key here

Talking about this:

Seun:

Is there a credit/debit card in Nigeria now or what?

[I]International credit cards in Nigeria[/I]:
- The STB Mastercard Maestro : Credit and Debit Cards in Nigeria.
- NairaEx- Nigeria's Virtual VISA Reseller, eCommerce and ePayment Facilitator.

I thought Ecobank offered Mastercards? And just lately heard a jingle on radio that Intercontinental bank issued same.

I think what they are scared of is; Nigerian Fraudulent activity. Who want to lose?

You can use your credits card if you r abroad. You'll just give them address of where to send the stuffs to. That is if u wanna buy it for friends and family in nigeria.

Do u know if people hack credit cards at all?

it depends on the website you use.

Yeah but which Nigerian site is that secure? Also i know they use IP to restrict orders, but IPs can also be camouflaged.

Soon we will have those services offer by nigerians' for nigerians'.

hack credit cards

well most online stores divert credit card transactions to another third party for processing, using SSL technology(for encrypted diversion) and some APIS (to connect to the processing gateway).

Ip restriction wont work if you have customers from the same internet cafe. But there is a trick i recently discover arround it. Using unique extra code under same ips, so you can actually monitor, a bit complex so i can't go through it here.

In Nigeria Debit cards that are directly attached to your account, not too sure it will work, YET. Can you imagine what will happen to your account if a thief gets hold of that.

And when it comes to credit cards in Nigeria too, that is for a select few. Those in the upper bracket of the society. Why? because there are conditions attached, more like a collateral. And what about the charges, hmmm, very prohibitive and guess what when you spend a VISA or mastercard who makes the bulk of d money or should I say where does the bulk of the money go, well you guess. And what impact does that have on our economy? well you guess again.

Thanks EJO(Neticash) for your info.

However I do not agree with you on Nigeria Debit Cards and Credit Cards issued by banks in Nigeria;

Interswitch Debit Cards work WELL. I have been using mine for close to six months now. I can use it at over 350 ATMs (www.interswitchng.com) nationwide, I use it to pay for my water bills and intend to use it on POS terminals at merchant shops which I believe Interswitch is launching soon.

The cards use a Pin, so a thief would have to have your card and your pin to use it at an ATM.
While online, I am not an expert on web security, but I am satisfied with the security Interswitch provided in entering my Card number and Pin number before transactions take place.

I also think it's safer for a thief to be limited to the amount in my bank account, than for a thief to use up my bank credit limit (viz-a-viz Credit Card)
I think by International standards, Interswitch meets security standards.
Please note that I am not a staff of Interswitch, I am only a very satisfied customer.

On Credit Cards:
I do know that no where in the world are Credit cards meant for the Low in the society. Its not for the POOR!

However the equivalent min of $150 to open a Credit card account as advertised by Intercontinental bank in Nigeria, is by my opinion very very moderate. STB require $250 min.

Personally, I think if u can't afford $150 (N21,000) min. plus all internationally accepted charges, to have a credit card, please stay away from one. Once again, its not for the POOR.


I salute your introduction of your service to Nigerians and others alike. Be sure of the patronage.

Thanks.

guyz have u been to www.booksng.com ? Thats the new levels in Naija, to purchase books online, check it out !

Hello,

You can also check out www.orderbay.com.  The company can help you order items from North America and deliver to you.

They can also make payments for you to various institutions for school fees, subscriptions, etc. and also have a Debit/Gift Card
that they offer.

You can pay in Naira or USD into their GTB or Zenith Account.  If you have a GTB or Zenith account, you can make payment on-line!

Thanks

Heres a solution,

[center]--WWW.SOFTPAY.ORG--

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www.softpay.org[/center]

About paypal and 2co, I belive Nigerians in Nigeria use dollars or euros as the primary currency? Theres no harm in having multiple payment methods for your website, let the people decide which they want to pay you by. Collect your dollars, but please do not neglect your naira too.

SoftPay has been set up with the small scale netprenuer in mind, people that cannot afford to pay ridiculous amounts as 'registration fee',

SoftPay is working hard to make e-commerce in Nigeria what it really
should be. We are looking to improve the integrity of Nigerian e-commerce
as a result we dont take on just anybody. All SoftPay merchants must be
able to have enough confidence in their products and customer satisfaction
to be able to offer a 'Money back Guarantee' to their clients.
Good news for 'Netpreneurs' who have managed to open a paypal account but
now have a problem of cashing the funds out. In the next coming weeks,
SoftPay will start to accept PayPay as a means to load your account. So
your customers can pay you in Naira with their US/UK credit cards.
We know that business is not all about making money. Give a world class
quality service first and the big bucks will roll in much latter. We are
prepared to wait.

See you at the top, however long it takes. Rome was not built in a day.
Despise not your days of small beginings! 

That is a good development coming from softpay.org. However, I am concern about the level of your web security. This is important as well.

NETICASH, pls tell me how will your services help my web business for Nigerians in Nigeria when I start charging sellers for advertisement on my website http://www.naijaautoplace.com. I dont intend to make life difficult for my people by asking them to go and deposit money in bank before activating their advertisement. However posting of advert is free for now at least 9-12 months free advert.

I have looked at Interswitch website, many of their ecommerce customers websites have lost their links.(Site contents not existing anymore) Perhaps they cannot continue to meet up with the charges from Interswitch.

@ allimercy you dont need online payment of any sort to sell your cars online.

Cars are a 'must inspect' and 'pick up only' item. Besides the cost per item is too much for ppl to pay online.When they come to check your cars out, they will bring your cash in their pocket.

For other items or purposes however, you can check out SoftPay.org

About paypal and 2co, I belive Nigerians in Nigeria use dollars or euros as the primary currency? Theres no harm in having multiple payment methods for your website, let the people decide which they want to pay you by. Collect your dollars, but please do not neglect your naira too.

SoftPay has been set up with the small scale netprenuer in mind, people that cannot afford to pay ridiculous amounts as 'registration fee',

SoftPay is working hard to make e-commerce in Nigeria what it really
should be. We are looking to improve the integrity of Nigerian e-commerce
as a result we dont take on just anybody. All SoftPay merchants must be
able to have enough confidence in their products and customer satisfaction
to be able to offer a 'Money back Guarantee' to their clients.
Good news for 'Netpreneurs' who have managed to open a paypal account but
now have a problem of cashing the funds out. In the next coming weeks,
SoftPay will start to accept PayPay as a means to load your account. So
your customers can pay you in Naira with their US/UK credit cards.
We know that business is not all about making money. Give a world class
quality service first and the big bucks will roll in much latter. We are
prepared to wait.

See you at the top, however long it takes. Rome was not built in a day.
Despise not your days of small beginings!  Wink

SOFTPAY - Inspiring trust in Nigrian e-commerce

Thanks very much Spadmin1 for your reply. That site is for car classified advert for both sellers/dealers of cars. I am not a dealer nor seller. Like I said, I was only looking for convenience of payment for advert by sellers/dealers of car advertising cars on the site. The site does is not involve in the deal closing between the parties.

I have a project in progress, beyond this one here that will require your service when the time comes.

Best Regards

[center]Hi there, hows your site coming up?
SoftPay can serve you on this aspect as well, in fact too well.
But for a start we can make a quick payment page for you.
We still need a good dedicated auto-dealing site like yours.
Contact SoftPay asap.
Cheers.[/center]

spadmin1,

I think we got you the first time you made this post a standalone one.

Let's strike a deal - you stop posting anything about softpay and I promise not to recommend you to the banning committee. Deal?

[center]Hi there Yawa,

Ok youve got my attention now.

But tell us first why you are stalking me and tracking all my posts?

I know you, I think your a nice lady with a misleading name.

But who knows the heart?[/center]

P.S. Tell a christian to stop talking about Jesus.

Guys try www.awoofshop.com, we offer payments via credit cards, paypal, direct deposit, moneybookers and our inbuilt payment system.

Awoofshop is going global and we currently have the Nigerian version www.awoofshop.com and the South African version www.awoofshop.co.za. Users can use Awoofshop to buy products instantly, transfer money to paypal instantly, transfer money to moneybookers and also use the direct deposit function.

Now there are many online stores that accept InterSwitch ATM Card payment like www.buyright.biz, www.computerport.iz, www.prepaidnigeria.com, www.rechargenigeria.com and others.
The best place to locate all of them is on InterSwitch website at http://www.interswitchng.com/you/locate-e-commerce-sites.aspx

All the luxury of online payment in usa or other places in the world we take for granted is something one should absolutely appreciate as it is convenient.

Sitting in my room, midnight looking around nothing to eat, go online searching for someplace open, place order online or by phone, pay wait for food to come. So cool and stress free.

Buying things online and having it delivered to another person on a different continent. Within hours.

Many nights during my schooling days were like that. Hopefully this can happen in Nigeria soon without much difficulties.

A lot of things need to put in place in Nigeria for security reasons.

he he cactus, of course we need electricity, good roads and (joke) mai guards who will b awake at night to open the gate

Imagine ordering your favorite ice cream cone online. In the states, that sucker would be wrapped with dry ice to keep it hard and frozen till it gets to you. In naija? heat alone will melt it by the time it gets to you

Thank God yawatide shut dis softpay guy up. haba, my mama wan cook egusi soup, SOFTPAY go help ur mama cook, i dey get fever, SOFTPAY is all u nid 2 cure d craze. ADVERT is good, but wen it turns to SPAMMING, u lose d edge. even those who has decided 2use ur service wil start doing CTRL + Z. yawa, good job. at least i can hear word nw.