Category: API

TYPES OF INSURANCE: EVERYTHING YOU SHOULD KNOW

insurance policies protects from unforeseen circumstances.

Insurance protects us, our businesses, and our assets from unexpected financial losses. Insurance is a contract, represented by a policy, in which a policyholder receives financial protection or reimbursement against losses from an insurance company. The company pools clients’ risks to make payments more affordable for the insured. Most people have various types of insurance: for their car, their house, their healthcare, or their life.

By taking out an insurance policy, a person is essentially transferring the risk of certain losses onto the insurance company, who then agrees to cover those losses if they occur. This helps us protect our finances in the event of an unexpected financial loss.

With various types of insurance available, we can always find coverage that suits specific needs. From life insurance to property insurance, each type serves a unique purpose, providing a safety net and giving us peace of mind.

In this article, we explore some of the most common insurance types, discussing their key features and benefits.

TYPES OF INSURANCE

  • Life Insurance

Life insurance is a legal agreement in which an insurance company promises to pay n amount to beneficiaries of a deceased person. In return, the person pays the insurance company a premium.

There are two main types of life insurance i.e. whole life insurance, which covers the insured person’s whole life, and term life insurance, which covers a certain period.

  • Health Insurance

Health insurance covers medical treatment, hospital stays, and preventative care. It can help individuals and families reduce healthcare costs.

Furthermore, health insurance can also provide access to treatments that may not be covered by public health services. This is important because health insurance can provide access to treatments that may otherwise be too expensive. This allows individuals and families to receive the care they need. Additionally, by reducing healthcare costs, health insurance can help to prevent financial hardship in the event of an illness or injury.

  • Auto Insurance

Auto insurance is a legal agreement in which an insurance company promises to pay for damage to your car and other people’s property in the event of an accident.

It offers liability protection if you cause damages. Auto insurance comes in different forms, including liability, collision, comprehensive coverage, etc. It can help cover car repairs, medical bills, and legal fees.

  • Travel Insurance

Travel insurance protects travellers from financial losses, medical costs, and other unexpected events while travelling. It provides financial security and peace of mind, especially when unexpected events happen while away.

Travel insurance covers a variety of risks, including Medical expenses, Baggage loss or theft, emergency assistance, Cancellation of flights, etc.

Business Insurance

Businesses can protect themselves from financial losses caused by a range of risks, such as property damage, lawsuits, and business disruption. Several types of insurance are available here.

For example, property insurance covers the cost of damage to a business’s property, such as buildings, and equipment. Liability insurance covers legal fees and settlements for damages. Business interruption insurance covers lost income from covered events.

If an employee gets injured, workers’ compensation insurance can assist in covering their medical expenses and lost wages.

  • Property Insurance

Property insurance protects businesses from financial losses caused by fires, vandalism, and natural disasters to commercial properties like buildings, machinery, and inventory. It covers the expenses of fixing or replacing any damaged property.

The policies can be tailored to individual needs, taking into account the risk assessments and value of the property.

What factors determine life insurance prices?

Although, it depends on the insured’s age, health condition, coverage amount, and policy type. In general, younger and healthier people pay lower premiums than older and sicker people.

Conclusion

In conclusion, insurance plays a crucial role in safeguarding our financial well-being and providing peace of mind in the face of uncertainties. Whether it’s protecting our homes, vehicles, health, or loved ones, having the right insurance coverage is essential.

Remember, when selecting insurance coverage, it is crucial to assess your specific needs, evaluate different options, and consult with insurance professionals. This will enable you to find policies that best align with your circumstances and budget. Regularly reviewing and updating your insurance coverage as your needs change is equally critical to ensure you have adequate protection at all times.

By investing in the right insurance policies, we can navigate through life’s uncertainties with confidence, knowing we have a safety net to rely on. So, assess your insurance needs, explore the available options, and make informed decisions. This will provide you and your family with the protection you deserve.

Buy insurance plans on Vtpass now.

UPDATE TO THE VTPASS API TRANSACTIONS VIEW PAGE

We have some exciting news to share that will make managing your transactions a breeze. We are delighted to announce a major change to our transactions view page. This change is aimed at enhancing your overall experience.

At VTpass, we understand the importance of staying ahead of the curve and continuously improving our platform to meet your evolving needs. With this in mind, we have meticulously crafted a revamped Transactions View page.

With this update, we have set out to achieve two key objectives: first, to enhance your understanding of the status of each transaction initiated, and second, to provide you with powerful features that make navigating your transactions effortless. We’re confident that this revamp will empower you to take control of your transactions like never before.

PERUSE TO UNDERSTAND EACH STAGE OF TRANSACTION PROCESS.

As of this point, the API TRANS STATUS INSIGHT indicates that this transaction is pending. This means that you have been charged for this transaction, but the value is yet to be delivered as the transaction is processed by the service provider. You are advised not to refund your customer. In this case, feedback is expected to arrive within minutes of initiating the transaction.

Within minutes of initiating this transaction, you should click the “Re-check Status” button to get further insight into this transaction. This will open up a “Transaction Resolution” screen as shown in Image B below.

It will take a few minutes for this page to load successfully, and the results will be either of the following:

SUCCESSFUL TRANSACTION

transaction completed view on the transactions view page.

This will confirm to you that the transaction was successful, and value has been delivered to the customer. A successful transaction means that the customer has received value for the product or service they paid for, and that their payment was processed without any issues.

FAILED TRANSACTION

transaction failed view on the transactions view page.

In case the window transits into this page, it simply means that the transaction failed, and could not be completed. In the event of this, we can assure you that you won’t be charged for this transaction. The window transition indicates that the transaction was unsuccessful and therefore it did not go through to the payment processor. As such, no charges have been made to your account and you will not be billed for the attempted transaction.

transaction reversed view on the transactions view page.

In this view, it means that the transaction failed, and couldn’t be delivered. The difference is that your wallet may be debited. Per adventure, if your wallet was debited in the process, it will be reversed automatically.

It is noteworthy that in the previous scenario where the transaction returned as FAILED, your wallet wouldn’t be debited. But in this case, your wallet, although previously been debited, would be refunded and the charges would be charged.

transaction resolved view on the transactions view page.

Stay tuned as we roll out this exciting updates in the coming days. In the meantime, don’t hesitate to contact our dedicated support team if you have questions or need assistance. We value your feedback, and we’re eager to hear your thoughts on the revamped Transactions View page.

Thank you for being part of our journey as we enhance our platform to serve you better. Here’s to smoother transactions!

At vtpass.com, we make for quick and convenient means of paying all pending bills. Just by logging in to vtpass.com, you can pay for your phone airtime- Etisalat, Airtel, MTN, GLO; your TV subscription, electricity bills, data subscription and so on.

VTpass JAMB e-PIN Vending API Integration

Are you interested in integrating our JAMB e-PIN vending API? You have come to the right spot. This material will help you. We have provided all you need to integrate our JAMB e-PIN vending API with ease. Let’s go!

Firstly, what is an API? In case you are new to this, an API is an Application Programming Interface. It’s a set of commands, function, protocols and objects that programmers can use to create software or interact with an external system. You can find more information on understanding what an API is here.

Who Can Use Our API?

Anyone! Well, not really anyone, but almost anyone. As long as you have a website, you can easily integrate our JAMB e-PIN API and thereby gain access to it. When you integrate, you are able to offer the same services to your own customers directly from your website. This is great because it means you are offering your customers more value. And they never get to visit or be redirected to any third party website.

What Does It Cost?

Nothing. Seriously, there’s no catch. It costs absolutely nothing to integrate our API. That means you get to offer your customers more value and make additional income at absolutely zero cost to you. And if you are not the technical specialist, it’s ok. But you have a website through which you can sell any of our services. Consequently, you can consult your web developer or programmer to help you set it up.

How To Integrate JAMB PIN API

Now you can have the ability to sell JAMB e-PINs (UTME&Direct Entry) to your customers and JAMB candidates, and offer seamless and fast payment using the VTpass API. Kindly visit https://vtpass.com/documentation/jamb-pin-vending-api/ to integrate now.

Should you experience any issues or need any help, do not hesitate to drop a comment or reach out to vtpass.techsupport on skype to get your issues resolved immediately. In conclusion, what are you waiting for?

VTpass API: How to Set-up a SUB Account

Perhaps you’re hearing of VTpass sub-account for the first time and you’re wondering, “what’s this one again?” Not to worry; in this article, we would explain what it is and how you can use it.

What is Sub-Account?

VTpass API Sub-Account is a segregated account nested under the main (initial) account which was created on VTpass platform. This feature is to ensure restriction and make sure only the admin (the API agent) have access to perform transactions on the main account.

As an organization that partners with VTpass through the use of our API, we understand different departments require access to your account for various purposes hence there is always the risk of unauthorized transaction(s) been carried out.

That is why we created the Sub-Account feature which allows you to have sole control over transactions happening on your account even as different people might have access to it.

This strengthens your account security while at the same time allowing people within your organization to have access to the account for other reasons.

Here are what the Sub-Account can only be used for:

  1. Generate report
  2. View wallet top-up history
  3. View transactions
  4. Generate wallet report

In essence, the sub-account cannot be used to carry out any transactions without your permission. If you are yet to create a sub-account, we advise you to do so immediately. Here’s how:

vtpass sub account

How to Create a Sub-Account

  • Log on to vtpass.com
  • Click on login and fill in the Email and Password for the main account
  • Click on manage sub-accounts
  • Fill in the name, phone number, email and password for the sub-account and then click ADD

Doing this, you have successfully created a sub-account. This means when a person needs to access the platform for whatever purpose all he/she needs to do is;

  • Log on to vtpass.com
  • Click on login and fill the new login details

At VTpass, we care about your business growth and safety. Take advantage of this feature now to protect your account.

For more inquiries, kindly send a mail to support@vtpass.com

A CHRISTMAS WITH VTPASS

It is that time of the year when we all want happiness in its fullness. Without a doubt, we want to be complete in every way. And we want to end the year in a beautiful, wholesome manner. And to make this happen, there are many offers on ground promising to give just that fullness the season demands. But you are looking for an offer that makes every moment of your Christmas worthwhile. Then, you go out there, not to a mall or on a shopping spree, but online at vtpass.com.

VTpass is an online payment platform that provides premium service in the payment of your everyday bills. So, you are looking to fix up your electricity bills during the holidays.  Then, VTpass got your back. Or you want to pay your tv subscriptions, airtime and data. So long as you log on to vtpass.com, we are right on it. Really, VTpass is your one-stop platform for an easy and fast life.

But more than all these, what has VTpass got to offer you this Christmas? Well, here are what we got in stock.

Convenience

As wonderful as a Christmas holiday might be, it can, in more ways than one, be very frustrating. This is because everyone is so bent on enjoying the season that no one seems to bother about the things that get a fix. Or let’s just put out plainly:

Everyone is busy out there on vacations and travel adventures so that bills can’t just get paid. What this means is that buying and paying for services become way too stressful and causes inconvenience.

Well, for you, there is a way to fix this. And this is simply by logging on to vtpass.com. With vtpass.com, you can pay all your everyday bills in the nick of time and that too, with utmost convenience.

Speed

Now, imagine being able to settle your bills in less than a minute. Yes?

This is what VTpass offers. With vtpass.com, you can pay your bills in just three steps. And by all three steps, all you got to do is click buttons and fill in some details:

  1. Log on to vtpass.com on your phone or laptop.

  2. Select what you want to pay for. E.g Airtel Airtime, GOTV subscription.

  3. Enter details like phone number or smart card number and pay.

It is this easy. Try your hands on it now.

Service

By logging on to vtpass.com, you get to buy and pay for nearly all your everyday service. It’s like having an online shop where you get to buy your services in a swoop and put them in a cart or trolley. And more than anything, you do not just get any wishy-washy service, you actually get your money’s worth. Here are the services we offer:

1. Airtime

Airtel-airtime

Glo airtime

9mobile airtime

MTN airtime

2. Data

Airtel Data

Glo Data

9mobile Data

Mtn Data

3. Electricity bills

Eko Electric

Abuja Electric

Port-Harcourt Electric

Kaduna Electric

Kano Electric

Jos Electric

4. Cable Tv subscriptions

GOTV subscription

DSTV subscription

Startimes subscription

5. Examination payments

Wassce scratch card

6. SMS payment

Sms Clone

Discount

It’s the Christmas season is all about sharing. And realising we all do need to do more of giving than sharing, VTpass now offers discounts on all data payments.

Earnings

Once again, in recognition of the reason for the season, VTpass offers everyone the opportunity to earn money, a passive income, even during the holiday period. You are wondering how this works? Well, it’s simply by partnering with VTpass. As an organisation, we have in place various workable systems that can help our customers make money even as they pay for services.

First, you can be a terminal agent who resells services and makes easy commissions from it. By implication, with your phone or laptop, you can help others pay their bills and get money directly for it. Also, you can put our affiliate link on your website or blog and earn commissions. You can also use our widget service as well as connect to our Application Programming Interface (API). And if you feel all these do not work for you, you can just refer a friend and get earnings for doing this.

Really, any which way, you stand to gain a lot by partnering with VTpass. You should log on to vtpass.com, register to get going on this.

You can click on this link to get more information- Partner with us.

Support

Besides the service delivery we offer, we also have a working support system to cater for all your minor hitches and complaints. So, you think you need support on some technical issues regarding your payments, maybe delays and all? Then, there is actually no need to even think. You just have to call our support centre. And any of our support agents will be available to attend to you.

You can also send an email to support@vtpass.com. Just as you can reach us on any of our social media pages by means of the following:

And gratefully, our support system works around the clock and even all through the holiday periods. So really, you can take a chill while we go on to work out your expenses.

 

So, you must agree this Christmas promises to be a lot more with vtpass.com at your beck and call. In fact, its’ going to be whole and satisfying. No need to hurry around to get by, no need to worry about payments and expenditures. With VTpass, there is actually nothing to worry about. So, go on and enjoy the warmth of Christmas and the great service of VTpass. But then, remember that Christmas is not just about rejoicing, it is also about reflecting.

From VTpass, we wish you a Merry Christmas and a Happy New year in advance.

API: LET VTPASS.COM SERVE YOU WELL

The first question that will be on your lips is what is an API?

Well, here is a textbook definition:

An API stands for “Application Programming Interface.” An API is a set of commands, function, protocols and objects that programmers can use to create software or interact with an external system. It provides developers with standard commands for performing common operations so they do not have to write the code from scratch.

But not all of us are computer geeks or nerds. Ok, most of us are not. So here are simple, fun ways of understanding what an Application Programming Interface (API)  is:

You buy an extension, which you intend using to charge your phone, laptop and the likes. For the extension to work, you are not going to plug straight to the transformer next to your house, or the wire transmitting electric current to you, right? No, you need an interface. Something that can stand in the gap and collect the energy from the electric current down to you. You need a socket. This socket which is usually connected to a wire on the wall serves as an interface to which you plug your extension. This in response to the interface, enables you to charge your phone and any other thing.

The API is just like that socket, except it is something you can’t see and it has more to do with the internet world.

ANOTHER EXAMPLE

You want to buy rice and chicken from your favourite restaurant. Now, do you just go into the kitchen where it is being cooked or stored? And then demand a plate of rice and chicken? Of course, not, there is an attendant, a waiter. In this case, an interface that delivers your request for a hamburger to the kitchen staff. They in response to your request, hand over the food to the waiter, who will, in turn, place it before you. And then, lunch or dinner is served. Or breakfast, if you are the one that does late meals or does not fancy the routine bread, tea and egg.

The waiter has served as an API, relaying messages for you all in a bid to deliver a service. You must have guessed by now that in the real sense, the person making the request is not a person, but codes. Just like the waiter and kitchen staff responding to the requests are are all codes.

So, simply put, APIS are messengers that take requests from a user end, go to the right quarters to deliver the message.  And then relays back an answer to the user again. In a technical sense, you use an API when you employ the code written by someone else or their database for your own purpose, or to service your own website.

WHY DO I NEED TO KNOW API?

There are a lot of ways knowing how the API works can profit an average online business person. Say, you have a natural hair blog that sometimes needs to display videos. You might not have these videos at all. But by integrating Youtube’s API to your site, these videos can be displayed on your site.

It is through this the API that many videos on YouTube get featured on sites that clearly are not Youtube. Another easy way of using API is having a website where you need people to sign in or login. Because you know Google or Facebook already have the sign in feature which is way professional.  On proper request, you can simply use Google or Facebook’s sign in feature. So that, what you will have on your own website is “sign in with Google or Login with Facebook”. You might be nodding in understanding right now. That’s good, but there is something even better.

LET VTPASS.COM SERVE YOU WELL

vtpass,apiVtpass.com is your one-stop online payment platform through which you can pay for any such service like your phone airtime, Cable TV subscription, Electricity bill and other services. Because of its widespread reach, you can utilise the services we offer at vtpass.com anywhere and at any time. All that needs be done is:

Login to vtpass.com.

Select the service you want to pay for and enter the necessary details.

Pay.

And if you want to do bigger things as an IT brain, you can integrate Vtpass.com’s API into your website or application and begin to sell any of these services to those in contact with your website or app. What this means is that you get to resell such services as 9mobile, MTN, GLO,  Airtel airtime and data subscriptions, electricity bills for almost all electricity distribution companies, educational payments such as WAEC Scratch Card, cable TV subscriptions and so much more. And if you are not the technical specialist, but you have a website through which you can sell our services, you can consult your web developer or programmer who will, in turn, visit our website vtpass.com or consult our support centre and make you a retailer of our services.

And if you are not the technical specialist. But you have a website through which you can sell any of our services. You can consult your web developer or programmer. The programmer will, in turn, visit our website vtpass.com or consult our support centre. And make you a retailer of our services. But the first step is logging into vtpass.com and trying your hands on the services we sell such as phone airtime, electricity bills, data subscriptions, DStv, Startimes and GOtv subscriptions and so on. This first step will definitely take you off guard into a place of greater beginnings.

 

Big Brother Nigeria: Big Brother is Back and Better

In 2016 Multichoice announced the Return of the  Big Brother Show, Not as Big brother Africa this time but as Big Brother Nigeria.

Big Brother Africa was popular for its entertaining value and ability to showcase ordinary Africans from different walks of life coming together and living together under one roof for a period of time. This Africans sets their culture, believe and religion aside to come together and achieve so many great things in the house.

Following the success of past seasons of Big Brother Africa, Multichoice decided to re-package the reality show once again by bringing back the Nigerian version.

The first edition Of Big Brother Nigeria was 10 years ago, which had 12 housemates competing for $100,000 prize money by performing different physical and mental challenges in the house.

Katung Aduwak emerged the winner of the last edition of Big Brother Nigeria. Big brother Nigeria has also produced a lot of stars we know in the industry today, like the famous Tinsel actor, Gideon Okeke, and TV personality host Ebuka Obi-Uchendu who is also the host for this year.

The new edition of Big Brother Nigeria will kick starts 22nd of January 2017 and it promises to be exciting and fun filled, with 12 housemates, 11 weeks duration, under 1 house, 1 biggie. The winner of this edition walks away with N25million and 1 KIA Sorento.

The show is Available on all DStv packages and GOtv Plus The only way to can catch the show live on this channles GOtv channel 29, DStv channel 198 is if you have an active DStv and GOtv .

How to Renew your DStv and GOtv Subscription

To renew your DStv and GOtv subscription, simply visit vtpass.com/dstv

vtpass.com/gotv

Big brother Nigeria is sponsored by Pay port.

Make payment in 3 easy steps using any of the following types of cards: Mastercard, Visa Card and Verve card.

Services available on VTpass include:

Phone Airtime Recharge

Internet Data Subscription

TV subscription payment (DStv, GOtv, Startimes)

Electricity Bills Payment (AEDC, Ikeja Electric, Eko Electric, Kano Electric, Port Harcourt).

We also have an API through which other developers can access all our services.

What we Offered for 2016 Black Friday

Yay! It was Black Friday, 25th of November 2016, the day know for the Biggest deals worldwide. Most businesses had one offer or the other for their customers (both new and old).

We surprised our customers with the Biggest deals ever. In collaboration with our parent company Broadshift Technologies Limited, we offered 40% off all website design project, web Hosting plans and domain Names registered through our platform.

Our Black Friday deal started on Black Friday 25th of Nov and ended on Cyber Monday 28th Nov 2016.

Why we Offered Website Design Deals on Black Friday

During the planning phase, we though of a number of options. We could have offered deals on Phone Airtime recharge, electricity bills payment or TV subscription renewal etc.

We have always looked forward to rewarding our customers in big ways. How else can we do that, than make this contribution to their businesses. Our core aim was business websites hence we offered the deals on Corporate Website design, e-commerce website design for those that want to sell online, BulkSMS website Design deals, Blog creation and News website design. Okay, We even went a step further by offering a deal on wedding website creation.

The web Hosting and domain name deals were both powered by Hostparker.com

Follow us on social media for updates on deals and special offer

Twitter @VTpass

Facebook.com/VTpass

Instagram @VTpass

How to Clear DStv Error Code

Knowing how to clear dstv error code might be an herculean task for some, but now that you are here, it will not be a problem for you anymore.

At a certain point, some DSTV users may have problem with their Decoder or Smartcards. In case you are not aware, or you have been seeing some messages displayed on your screen after renewing your DSTV subscription but you do not know what they are exactly, they are called Error codes.

DStv Error codes are codes that enable users to know the exact problem. The good thing is you don’t have to panic when any error pops up on your screen because you can now solve  easily without having going to the Multichoice office.

Have you been seeing this error codes and you don’t know how to go about solving them?

  • E16-4
  • E18-4
  • E32-4
  • E30-4

This article will give an insight on the two ways you can go about solving this Error code whenever this problem arises.

Steps to Clear DStv Error Code

The first way to go about solving these Error code is by using the DStv Eazy self Service.

How do I do this? simple click on this link http://eazy.dstv.com/en/ng/clear-error-code  and follow these steps

  • Select the error code your decoder is displaying
  • Enter your Smartcard Number details and
  • Click on the clear error code.

How to clear Error codes on DSTV

The second way to solve this error code is by dialing *288*2# on your mobile phone (local rates applies).

  • Select DStv
  • Enter Smartcard number
  • Send

Your DStv channels should be restored in a few minutes. If this was successful, a massage will be sent to you, notifying you that your smartcard has been reauthorized.

Kindly note that your Smartcard must be inserted and your decoder must be switched on when going through this steps.

Don’t let anything hold you back form enjoying all your beautiful programs.

If this post has helped you solve your error code problem. Kindly drop a comment below.

Remember you must have an active DSTV subscription to be able to do all of these.

To renew your DSTV subscription, simply visit vtpass.com/dstv .

Other services available on VTpass include:

We also have API available for developers to integrate.