Question 1

What is EndowPay, and what can I use it for?

Accepted Answer

EndowPay is a financial technology product that lets you pay bills, send money, request payments, earn rewards and manage your money in one place.

Question 2

How do I create an EndowPay account?

Accepted Answer

Download the EndowPay app from Google Play or the App Store and tap Create account. Enter your phone number, type in the verification code we send you, add your personal details and set up your password and transaction PIN. Then verify your identity and your account is ready in a few minutes.

Question 3

I did not receive my verification code. What should I do?

Accepted Answer

Check that you entered the right phone number and that you have network coverage, then wait a moment and tap Resend code. Codes expire after a short time, so always use the most recent one we sent you.

Question 4

What is my transaction PIN used for?

Accepted Answer

Your 4-digit transaction PIN confirms every transfer and payment you make, so no money leaves your account without your approval. Choose a PIN that is easy for you to remember but hard for others to guess, and never share it with anyone, including EndowPay staff.

Question 5

Why do I need to verify my identity, and how do I do it?

Accepted Answer

Identity verification keeps your account secure and helps us meet financial regulations. Enter your BVN or NIN, then take a quick face scan with your phone camera so we can confirm it is really you. Once you are verified, a verified badge appears on your profile.

Question 6

What if my face verification fails?

Accepted Answer

Move somewhere with good lighting, remove anything covering your face such as glasses, caps or face masks, and keep your face inside the frame until the scan finishes. Then try again. If it still fails, contact our support team and we will help you complete verification.

Question 7

Can I skip identity verification and do it later?

Accepted Answer

Yes. You can skip verification and look around the app first, but some features stay limited until your identity is confirmed. Finish verification any time from the prompt on your home screen to unlock your full account.

Question 8

How do I fund my EndowPay wallet?

Accepted Answer

Open the app, tap Add Money and transfer to your dedicated EndowPay account number from any Nigerian bank. Your wallet is credited as soon as the transfer arrives.

Question 9

What transfer options are available on EndowPay?

Accepted Answer

Tap Transfer on your home screen and choose a method. Endow To Endow sends money instantly and for free to another EndowPay user, while Transfer to other banks sends money to any local bank account in Nigeria.

Question 10

How do I send money to another EndowPay user?

Accepted Answer

Tap Transfer, select Endow To Endow and search for the recipient by name or phone number. Enter the amount and an optional note, review the details on the confirmation screen, then enter your transaction PIN. The money arrives instantly.

Question 11

Do I pay a fee for Endow To Endow transfers?

Accepted Answer

No. Transfers between EndowPay accounts are instant and free, no matter how often you send money.

Question 12

How do I send money to another bank account for the first time?

Accepted Answer

Tap Transfer, select Transfer to other banks and enter the account number. Choose the recipient's bank and we will show the account name so you can confirm you are paying the right person. Enter the amount, review the transfer and confirm with your transaction PIN.

Question 13

Can I save people I send money to often?

Accepted Answer

Yes. Everyone you have paid appears under Recent transfers on the Transfer screen, and you can add regular recipients to Favorites. You can also search for a saved beneficiary by name or number, so you do not have to enter their details again.

Question 14

What happens if my transfer is pending or fails?

Accepted Answer

A pending transfer is still being processed by the receiving bank, and we will notify you as soon as it completes. If a transfer fails, any amount debited is returned to your EndowPay wallet. You can retry the transfer or contact support if you need help.

Question 15

Can I send money to other banks and pay bills with EndowPay?

Accepted Answer

Yes. You can send money to any Nigerian bank account and pay for airtime, data, electricity, cable TV and more, all from your EndowPay wallet.

Question 16

Which bills can I pay on EndowPay?

Accepted Answer

You can pay for electricity, airtime, data, TV subscriptions like DStv, betting top-ups, education and exam payments like JAMB, WAEC and NECO, eSIMs and gift cards, all from your EndowPay wallet.

Question 17

How do I pay a bill?

Accepted Answer

Tap the bill type on your home screen, or tap More to see every category. Choose your provider, enter the meter, phone, smartcard or customer number, then pick a package or enter an amount. Review the details on the confirmation screen and enter your transaction PIN to pay.

Question 18

How do I get my electricity token after paying?

Accepted Answer

We confirm the name on your meter number before you pay. For prepaid meters, your token appears on the success screen as soon as payment goes through, and you can always find it again in the transaction details.

Question 19

Can I buy airtime or data for someone else?

Accepted Answer

Yes. Enter any phone number, choose the network and pick an amount or data plan. Airtime and data top-ups arrive within seconds, and you earn E-points on every purchase.

Question 20

How do TV subscriptions and exam payments work?

Accepted Answer

For TV subscriptions such as DStv, enter your smartcard or IUC number and we will show the account name so you can confirm it before choosing a package. For education and exam payments such as JAMB, WAEC and NECO, choose the service and the quantity you need, and your PINs or confirmation are shown once payment is complete.

Question 21

Can I buy eSIMs and gift cards?

Accepted Answer

Yes. Choose an eSIM data plan or a gift card brand and value, then pay from your wallet. Your eSIM details or gift card code are delivered in the app right after purchase.

Question 22

What happens if my bill payment fails or stays pending?

Accepted Answer

Pending payments are still being confirmed by the provider, and we will notify you once they complete. If a bill payment fails, the amount is returned to your EndowPay wallet, so you can try again or contact support.

Question 23

What is Pay for Me?

Accepted Answer

Pay for Me lets someone else settle a bill for you. You set up the bill as you normally would, and instead of paying from your wallet, you get a secure payment link to share with a friend or family member, who then pays it.

Question 24

How do I create a Pay for Me request?

Accepted Answer

Tap Pay for Me on your home screen, select the bill that needs paying and fill in the details as you would for a normal payment. We generate a payment link that you can share on WhatsApp, by SMS or in any other app.

Question 25

Does the person paying need an EndowPay account?

Accepted Answer

No. They just need a bank account. When they open your link, they see a one-time account number and can transfer the exact amount from any banking app they already use.

Question 26

Which bills can I use Pay for Me for?

Accepted Answer

Every bill on EndowPay works with Pay for Me, including electricity, airtime, data, TV, betting, education and exam payments, eSIMs and gift cards. If you can pay it on EndowPay, you can ask someone else to pay it for you.

Question 27

How long does a Pay for Me link last, and is it safe?

Accepted Answer

Every link expires within the hour and works only once. As soon as it is paid, it cannot be used again, and the account number it shows accepts only the exact amount before it disappears. An old or forwarded link will not open anything.

Question 28

How will I know when my bill has been paid?

Accepted Answer

Once the payment arrives, we process your bill straight away and let you know in the app, along with your token, receipt or confirmation. If something goes wrong, the money is automatically refunded to the person who sent it.

Question 29

What rewards can I earn on EndowPay?

Accepted Answer

EndowPay rewards you for the payments you already make. Open the Rewards tab to see your E-points, cashback, vouchers and the current monthly challenge, all in one place.

Question 30

How do I earn E-points and redeem them?

Accepted Answer

Every bill you pay on EndowPay earns E-points, and a quick notification lets you know each time points land. Track your balance on the E-points page and convert your points into vouchers you can use on future payments.

Question 31

How does cashback work?

Accepted Answer

Eligible payments earn cashback, which goes back to you after the payment is complete. You can see how much you have earned and which payments it came from on the Cashback page in the Rewards tab.

Question 32

How do I use my vouchers?

Accepted Answer

Vouchers you get from converting E-points, from challenges or from our free seasonal giveaways appear on the Vouchers page. Apply one when you pay a bill to reduce what you pay, and check each voucher's expiry date so you use it in time.

Question 33

What is the monthly challenge?

Accepted Answer

Each month, EndowPay sets a challenge based on your everyday payments. Complete it before the month ends to unlock an extra reward. You can track your progress in the Rewards tab, and a new challenge starts every month.

Question 34

Where can I learn more about how rewards work?

Accepted Answer

Tap Help on the Rewards page for a step-by-step guide to earning E-points, converting them, using vouchers, cashback and monthly challenges. If you still have questions, our support team is happy to help.

Question 35

How can I get help if a transaction fails or I have an issue?

Accepted Answer

Failed transactions are usually reversed to your wallet automatically. If something still looks wrong, chat with EndowBot in the app or email our support team and we will sort it out quickly.

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