How it works

    The Payer’s phone number is used to retrieve his/her bank(s) and account numbers when a string is dialled or a push service is initiated. The mCASH USSD session is zero-rated and will work on any mobile phone whether its feature or smart phone.


    • Used to Facilitate low-value retail payments.
    • An accessible payment channel to entrance financial inclusion.

    Unique Value Proposition

    • mCASH is connected to 19 Banks.
    • mCASH is available on all 4 Telecoms Operators in Nigeria.
    • Other Institutions can integrate their unique USSD codes to the mCASH payment gateway.

    Touch Points

    • Mobile (USSD and Apps)
    • Web via mCASHPAY
    • POS via mCASHPAY

    Who Can Use This

    • 2 2

      Retail Merchants

    • 2

      Financial Institutions

    • 1 4

      Small and Medium Scale Enterprises

    Onboarding Requirements & Steps

    ProcessesGet Started

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