Make payment easier and faster at your convenience




mCASH This is an innovative solution designed to facilitate low-value retail payments, grow e-payments by providing accessible electronic channels to a wider range of users and to further enhance financial inclusion in Nigeria, by extending e-payment benefits to Payers and Merchants at the bottom of the pyramid where usage of cash has been predominant.

The solution proposes to aid payments to Merchants (Sellers) for commodities and services. It leverages the NIBSS Instant Payments infrastructure (NIP) for immediate fund delivery to Merchants accounts and the mobile telephone USSD technology which in recent times has become the most accessible channel for financial and non-financial transactions.

Financial Institutions have a choice of allowing their respective customers to access this new service with the mCASH general short code 402 or with their own custom short codes. Either way there are no USSD charges to pay.

Merchants are expected to display their allocated mCASH merchant codes at their various business locations for proper payers notification.Read More


Corporate Headquarters

  •   Nigeria Inter-Bank Settlement System plc

    Plot 1230 Ahmed Bello Way, Bar Beach, Victoria Island, Lagos Nigeria


Below are Frequently Asked Questions about the mCASH.

mCASH is a solution for Sellers to receive Payments from Payers using their mobile phones. The Seller will be required to have a Seller Code.

A Seller Code is an 8-digit unique number assigned by a Financial Institution to any Seller on mCASH.

To be issued a Seller Code kindly contact any of your financial institutions.

Simply dial *402*Sellercode*Amount#

Yes, mCASH is available across all network.

You will be required to have a mobile phone, an account in any CBN licensed Financial Institution who will require that you create a PIN/PASSCODE to secure your transactions.

Yes, the payer is debited instantly and the Seller receives instant credit.

Any type of mobile phone.

The Payer and Seller both receive a flash screen & SMS message showing status of the transaction.

The Seller can dial *402*1*Sellercode# to get a list of his/her last 5 successful transaction or *402*1*Sellercode*Transaction Ref# to confirm a specific transaction. The Payer can also report to his/her Bank and refund will be made in 24hrs after confirmation that transaction was successful.

You can contact your bank directly or through NIBSS 24hrs support centre
Telephone:01-4485388 or E-mail: contactcentre@nibss-plc.com.ng, info@nibss-plc.com.ng


Phone Number (required)