This is an additional payment option that can be integrated to merchant website that will allow customers pay bills directly from their bank accounts as a substitute to cards. Customers may pre-register on your site by supplying their account number, name and date of birth. A One Time Password (OTP) will be generated and sent to the customer via SMS and email. This OTP will be used to complete payment on the merchant site.

Benefits of FirstCheckOut

  • Ease of use
  • An alternative to card transaction
  • Improved turnaround time (TAT) in disputed transactions
  • Reduced implementation time.



  • Implementation cost: FREE
  • Transaction fee per payment: 1.5% with a cap of N250.

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