Digital Payments in Nigeria: Empowering Financial Inclusion in the Modern Era

In the modern era, financial inclusion is no longer a luxury but a necessity. Access to financial services, especially in emerging economies like Nigeria, plays a pivotal role in improving the livelihoods of the underprivileged and driving economic growth. As a result, digital payments have emerged as a potent tool in achieving these goals. 

Digital Payments methods

Understanding Financial Inclusion

To begin with, financial inclusion is the process of ensuring that individuals and businesses have access to affordable, convenient, and secure financial services. These services can range from simple savings and payment accounts to more complex financial products like loans and insurance. In the context of Nigeria, achieving financial inclusion is crucial due to the significant portion of the population that remains unbanked or underbanked.

To demonstrate this, the World Bank’s Global Findex Database reported that, as of 2017, only 40% of adults in Nigeria had access to formal financial services. The government and various stakeholders recognized this as an issue that needed to be addressed. Digital payments are seen as a means to bridge this gap.

The Rise of Digital Payments in Nigeria

  • MOBILE PHONE PENETRATION

First and foremost, Nigeria has one of the highest mobile phone penetration rates in Africa. According to the Nigerian Communications Commission (NCC), there were over 196 million mobile subscribers in Nigeria as of 2020. This widespread use of mobile phones serves as the foundation for digital payment systems.

  • GOVERNMENT INITIATIVES

Moreover, the Central Bank of Nigeria (CBN) has actively promoted financial inclusion through various policies and initiatives. The “Cashless Nigeria” policy and the “National Financial Inclusion Strategy” have played crucial roles in encouraging the adoption of digital payments.

  • FINTECH INNOVATION

Furthermore, the rise of fintech companies in Nigeria has introduced a wave of innovative financial products and services. These companies have leveraged technology to provide digital payment solutions that cater to the needs of a wide range of customers, including those in underserved and rural areas.

Key Digital Payment Methods in Nigeria

Digital payments have had a transformative impact on financial inclusion in Nigeria. Here are some of the ways in which they have empowered individuals and businesses:

  • ACCESSIBILITY:

In particular, digital payment methods are accessible to individuals regardless of their location. Rural and underserved areas have seen a significant improvement in access to financial services through mobile apps and USSD banking.

  • AFFORDABILITY:

Also, digital payments are often more cost-effective than traditional banking. There are fewer fees associated with maintaining digital wallets or conducting transactions through mobile phones.

  • SECURITY:

Digital payments provide a secure way to store and transfer money, reducing the risks associated with carrying cash.

  • INCLUSION OF INFORMAL SECTOR

Many individuals engaged in the informal sector, such as small traders and artisans, now have access to financial services, enabling them to save and grow their businesses.

  • FINANCIAL LITERACY

The use of digital payments has contributed to an increase in financial literacy among Nigerians. Users become more familiar with banking concepts and practices through regular use.

Challenges and Opportunities

While digital payments have made significant strides in Nigeria, several challenges and opportunities remain:

  • INFRASTRUCTURE AND CONNECTIVITY

Limited access to the internet and mobile network coverage in some rural areas can hinder the growth of digital payments. Investments in infrastructure are needed to address this issue.

  • CYBER-SECURITY

With the growth of digital payments, the risk of cybercrimes and fraud has also increased. There is a need for robust cybersecurity measures and awareness campaigns to protect users.

  • FINANCIAL LITERACY

Despite the increase in financial literacy due to digital payments, there is still a need for educational campaigns to enhance users’ understanding of digital financial services.

  • PARTNERSHIP

Collaboration between financial institutions, fintech companies like Vtpass, and telecom operators can foster the development of innovative solutions and improve financial inclusion.

  • CROSS-BORDER TRANSACTION

Enhancing the capabilities for cross-border digital transactions can facilitate international trade and the influx of remittances.

CONCLUSION

Digital payments in Nigeria have emerged as a powerful tool in advancing financial inclusion. The widespread adoption of mobile phones, coupled with government initiatives and fintech innovation, has enabled millions to access affordable and secure financial services. While challenges remain, the future looks promising as the digital payments landscape continues to evolve, making strides in improving the financial well-being of Nigerians and propelling the nation towards greater economic growth. Financial inclusion is not just a buzzword but a tangible goal within reach, thanks to the modern era of digital payments.

To conclude, as Nigeria continues to develop its digital payments ecosystem, it is imperative that all stakeholders – government, financial institutions, fintech companies, and consumers – work together to overcome challenges and seize opportunities to ensure that financial inclusion becomes a reality for all. The journey has begun, and the destination is a more prosperous and financially inclusive Nigeria.

BUDGETING FOR BEGINNERS

a picture showing budgeting as a means to success

INTRODUCTION TO BUDGETING

Budgeting is the first step to financial success. Oftentimes, we’ve heard people talk about how a certain commodity isn’t in their budget, and so they can’t afford to buy it. This drives the quest to fully grasp the concept of this economic terminology. Every individual’s goal is to be able to afford whatever he wants. In understanding people’s attitudes toward financial goals, the following assumptions about humans are true. This general attitude guides their approach to making and spending money.

ASSUMPTIONS THAT AFFECTS BUDGETING

  1. That man is a rational and social being. This indicates that humans possess the mental capacity to reason and think, which enables us to perform a variety of cognitive tasks such as concept formulation, assessment of ideas, and reasoning. 
  2. A need is a requirement for functioning and existing. Wants are anything that enhances the quality of your life.
  3. A person’s income must be greater than his expenses. If the reverse is the case, it is highly detrimental to the financial well-being of the individual.   
  4. A person must instill healthy habits to get the best out of budgeting.

PERSONAL INCOME VS EXPENSES IN BUDGETING

This concept of personal income can be defined as all the earnings an individual makes over a period of time. Personal income comes from salaries, investments, and other assets the individual has acquired over time. Income generally refers to the value or sum an individual and business earn in exchange for their labor and goods.

There are basic expenses that an individual must pay at all times, and these are called cost of living expenses. The cost of living expenses might differ from person to person depending on lifestyle, choices, and family size. The common cost of living expenses includes feeding, rent, clothing, taxes, education, transportation, etc. 

To further break these two concepts into bits, income is money coming in, and expenses are money going out. Every individual’s goal should therefore be to maximize income while minimizing expenditure. Understanding these two concepts helps individuals project their financial standing and plan toward their goals.

WHY DO I NEED TO PLAN MY   FINANCE? 

Personal finance is mostly relative to the individual’s mindset, choices, and lifestyle. Certain individuals have no financial projections, nor do they have goals.  Having a financial plan is just like intending to have a fit body, and then taking steps to cut down on unnecessary junk food and registering at the local gym. In the same way, you plan for your social lifestyle, and physical body, this same energy should be directed toward your finances. 

Financial planning is a methodical process whereby a person makes the most of their financial resources by managing their money wisely to best meet their financial goals and objectives. We all know the health implications of eating too much, so we pay attention to what we eat and how we eat it. Likewise, you should also pay attention to the implications of spending more than you earn. A financial heart attack, including debt, bankruptcy, and a lifetime of bad credit, may result from continuously spending more than you make. A personal financial plan functions as a financial diet plan.

WHAT THEN IS BUDGETING?

A budget is an economic concept; governments, companies, and individuals use budgets to estimate their income and outlays for a given period. Budgets are essentially plans for a specific period and are known to increase the success of any financial endeavor significantly. 

The objective of a personal budget is to minimize expenses and maximize savings. You can use the additional money you save by reducing your less-needed expenditure and raising your savings rate toward significant long-term financial objectives. Budgeting is essential if you want to control your spending, be ready for unforeseen circumstances, and be able to afford your needs without falling into debt. It doesn’t have to be tedious, you don’t have to be brilliant at arithmetic, and keeping track of your income and expenses doesn’t mean you can’t buy items that you want. It simply means that you will be more aware of where your money is going and that you will be more in control of your finances. 

The concept of budgeting is not to make you feel bad after spending. The goal of budgeting is to ensure you can save some money each month, ideally at least 10% of your total income, or at the very least, to ensure you are not spending more than you bring in.

. To successfully create a personal budget, you must first meticulously track your income and expenses. Making a budget is simple once you keep track of your money. Your expenditure is far more difficult to identify or track. You may start the crucial process of classifying all your income and spending once you have a complete list of all your bank deposits, outgoing checks, and transfers.

Having the right attitude toward money is the backbone of having a budget. 

CREATING A BUDGET

The following steps will take you to a healthy financial budget   

  • FIGURE OUT YOUR NET INCOME:

Your net income serves as the cornerstone of an efficient budget. Your take-home pay is the sum of your income less tax, including other benefits. Focusing on your gross pay instead of your net pay may cause you to overspend because you will believe you have more money accessible than you have. Keep thorough records of your contracts, and compensations if you are a contractor or a freelancer to manage erratic revenue. 

  • ANALYSE YOUR SPENDINGS

Finding out where your money is going comes after determining how much money you make. This will help you cut costs by keeping track of and classifying your expenses. List your fixed expenses first. These are typical monthly expenses like utility bills, rent, and so forth. Next, make a list of your variable expenses, which include things like groceries, transportation, and feeding, among others, and could differ from month to month.

  • SET SENSIBLE OBJECTIVES: 

Make a list of short-term and long-term financial goals. Short-term goals which can be completed in one to three years might include actions like creating an emergency fund or reducing debts. Long-term goals take years to accomplish. Although your goals don’t have to be unchangeable, knowing what they are can inspire you to keep to your budget. For instance, if you know you are saving for a vacation, it might be simpler to reduce spending.    

Plan

The difference between what you spend and what you wish to spend is where everything comes together. To estimate your spending over the next few months, use the list of variable and fixed expenses that you have established. Contrast it with your net income.  Consider creating direct and clear spending limits on each category.

You could decide to further segment your spending by dividing it into wants and needs. For example, petrol is considered a need if you will commute to work in your car every day. On the other hand, an online movie subscription might be considered a want. When you’re looking for strategies to reroute money toward your financial goals. This distinction becomes crucial.   

  • REVIEW YOUR BUDGET FROM TIME TO TIME:

All items in your budget may not be certain. For example, your expenses might change, you might get a salary increment, and you might reach a goal and want to set a new goal. Whatever the reason is, establish the practice of routinely reviewing your budget by using the preceding procedures. 

Conclusion

Knowing your monthly income and expenses will help you to endure that your money is being used for the best. A budget can help people who have a good salary and enough money left over after paying all expenses to maximize their savings and investments.

Any budget should concentrate on identifying and categorizing all expenses that happen during the month, quarter, and year if one’s monthly expenses normally absorb the majority of net income.

To end this, bill payment with ppp.vtpass.com is superfast, easy and very convenient. Just a few clicks and you’re done. In addition, you get 24/7 access to our support team to help you through any glitch you might have. Why don’t you try us today?

INTERNATIONAL DAY OF EDUCATION

“Education is the passport to the future, for tomorrow belongs to those who prepare for it today.” – Malcolm X

Why International day of Education?

The international day of education is celebrated today globally. It is a day to celebrate the importance of education. And also to acknowledge the efforts of educators around the world in providing quality education to all. It is also a day to recognise the power of education to transform lives and create a better future. We should thank all educators and recognise the great work they do to ensure that education is accessible to all.

Education not only provides individuals with the knowledge and skills necessary to participate in the economy. It also teaches them the values and ethics essential for responsible citizenship. It help create a culture of innovation, and encourages citizens to take up roles as active members of community. Education also encourages citizens to think critically, develop problem-solving skills, and assume ownership of their own success. Ultimately, education is the foundation for all meaningful progress and positive change. Shiv Nadar, the founder of HCL wrote: “Education is and will be the most powerful tool for individual and social change, and we must do all that it takes to facilitate it.” And to emphasise this point is why the international day of education is celebrated globally.

UN and International Day of Education

The United Nations’ Declaration of Human Rights states that everyone has the right to education. Education is the key to breaking the cycle of poverty, creating more opportunities, and improving the overall quality of life. It also helps to create a more informed,, and inclusive society that can better address global issues such as inequality. Around 90 percent of the world’s population had completed a primary education, whereas only 66 percent had attained secondary education.

This is due to a combination of factors such as violence, child, early, and forced marriages, lack of schools, inadequate infrastructure, unsafe environments, limitations in teacher training, and systemic gender biases. All of these factors have contributed to the instability of education in the country. Gender plays a major role in the educational system in Nigeria, as girls are often excluded from accessing quality education due to a variety of cultural and economic factors. It is clear that gender disparities in education are a major challenge in Nigeria. This issue needs to be addressed in order to promote equal access to education for all.

Education and people

This year’s theme for the international day of education is ‘to invest in people, prioritise education’. In order to ensure that all children in Nigeria, regardless of gender, have access to an education, there needs to be a concerted effort to invest in educational infrastructure and resources. This includes investing in teacher training, providing quality textbooks and materials, and strengthening educational policies. Such efforts will ensure that all children, regardless of gender, can access a quality education and have the opportunity to reach their full potential. This will lead to a more equitable education system in the country, where all children, regardless of gender, can access the same resources and opportunities. This will lead to a more equitable and just society, where all children can grow up with the same chances of success.

Education and society

One cannot undermine the role of education in a society. Children would realise their potential and develop skills that will be beneficial for the nation in the long run . This will also reduce income inequality and create a more level playing field for all citizens.

A robust society fosters strong families that uphold solid familial values, which lowers social evils and crime. 

For example, countries such as Japan and South Korea have a strong middle class, low crime rates, and a high level of educational attainment. This has contributed to their success. In particular, Japan’s high educational attainment levels have enabled it to develop cutting-edge technologies that have been critical in driving its economic growth. 

Conclusively,

It is similar to a student investing the time and effort to obtain a high-quality education. Because of the long-term payoffs in terms of higher wages and a better quality of life. Investing in people by prioritising education is a key way to ensure long-term success. Education helps to provide the knowledge and skills necessary to succeed in the modern economy. Investing in education is an investment in the future. This is because it yields dividends in form of higher wages, increased job opportunities, and a better quality of education. Education also provide an understanding of the world, which can lead to greater empathy and better appreciation of different ideas. Investing in education can help society progress and become more productive, leading to greater economic success.

The United Nations General Assembly has declared 24 January as the International Day of Education. This is in recognition of the vital role that education plays in peace and development. 

Hurry! Right now, the 2023 JAMB e-PIN (UTME/DE) is still available on VTpass. Simply log on to ppp.vtpass.com/jamb to buy your JAMB e-PINs now! Also, WAEC Result Checker Pin is available here

Vtpass.

BBNaija ShineYaEye Reunion Final

The BBNaija ShineYaEye Reunion Final episode aired on Friday night, 17th of June. Whoosh! It’s been quite the ride. This particular housemates have divided opinions so much. Some are sad to see the show end, while others are glad it’s finally over. Hmm. Truth is, they gave content. Whether it was good or bad is left for you to decide, but they brought the game. There was something to talk about everyday on the reunion show. Call it an escape from your normal routine. Well, it’s finally over, whichever side of the divide you fall on. Here’s our take on the BBNaija ShineYaEye Reunion Final talking points.

WhiteMoney, Maria, Pere and Tega

Ebuka asked the housemates who changed the most after the show in their opinion, and most of them voted WhiteMoney. Shocked, are we? Those who did speak said in the house he was this caring person, and suddenly, outside the house, he became this person who was too busy, or who didn’t care anymore. Ah, well. What we can say is that dude’s strategy obviously worked. He’s too busy making bangers as the musical genius that he is right? Init?

Following that, Peace relayed a situation where Maria walked up to her outside the house about something her fans said. Home girl Maria instantly said she couldn’t recall the incident and if Peace said it happened, then she doesn’t know what to say. All I can say is omo, fear Maria o.

After that, Tega called Pere out for not defending her during the media rounds. He apparently didn’t want to get involved in the drama. Tega was definitely emosh. Her voice when she said “But I begged you.” See where game has ended up sha.

Emmanuel, Liquorose, Cross and Angel, Beatrice and Pere

On the other hand, Emmanuel stated that he never asked Liquorose out, and what they were was never defined. Liquor however rebuffed that to say that it was defined. “Shame on you bro” was the highlight of that exchange, with Liquorose going on to explain the vibe they had. Well, that ship has clearly sunk.

Cross and Angel were back at it. What have you done for me, I did this for your family. This their fight, I don’t know what to think about it honestly. What are you guys even dragging? Can you just rest since you’re not doing again?

It is worth mentioning that Beatrice says she can have Pere anytime she wants him because she is a beautiful lady. Pere said that confidence is attractive. I don’t know what to think. Lol. Are you playing? What kind of playing is this?

And The Rest…

Cross said he would go back into the house if he had another chance. Because there are bills to pay in the outside world. This guy! True though, we know you have bills, and that’s why we’re here. To take care of your Cable TV paymentselectricity billsairtime and data needs, insurance and education bills and more, all on VTpass!

Ebuka, in closing the show, did say that they were the best dressed housemates on the reunion show since it started. We can’t dispute that though. lol. He also did say that despite a lot of the word out there (that they were boring), this season recorded the most votes so far in a BBNaija season. So what you guys talking about? Anyways, Season 7 is coming up, you know who to trust with your bills payments so you don’t miss out on any of the content live.

Make More Money With JAMB e-PIN Vending

The JAMB 2022 UTME/Direct Entry e-PIN vending has quickly become one of the fastest selling products on the VTpass platform since it was introduced. And that can only mean one thing for you. More profits! Yes. You know it. The first thing it proves is that there is already a ready market for the product. So you won’t need to do heavy marketing. It is in demand. Candidates cannot register for the exam without purchasing their e-PIN. And you are missing out if you have not already begun making more money with JAMB e-PIN vending. So, if you have not yet taken advantage of the 2022 JAMB e-PIN vending to increase your earnings, now is the time.

What more? The demand is about to skyrocket even higher, as there is a closure date in sight. That’s right. The 2022 JAMB e-PIN vending (UTME/DE) is scheduled to close on the 25th of March, 2022. This is because the time frame is the only window allotted by relevant authorities to the board to conduct the exercise.

According to JAMB, before the commencement of registration or examination for any given year, all public examination bodies are invited to a roundtable. An alignment meeting. Here, they agree on the timetable of activities for each examination agency. And this must be strictly adhered to. As a result, it is practically impossible for the Board to even contemplate any extension of registration as sister examination bodies such as WAEC NECO and NABTEB, have their allotted time which the Board cannot usurp.

What this means

Consequently, candidates yet to get their ePIN have to do so at least a day before the close of the registration which is March 26th, 2022. And you can benefit. Yes. Because many people like to leave things late. Many are just going about purchasing their e-PIN now. Therefore, there is no better time to vend JAMB e-PIN. So hurry now to begin vending and start earning some extra commission. Simply log on to ppp.vtpass.com/jamb to vend JAMB now!

You could also integrate our JAMB e-PIN vending API if you have a bills payment website. You can read up all about it here to get started.

Also, you can use VTpass for other services. Firstly, with VTpass, you can buy airtime or data. Subsequently, you can also pay TV subscriptionselectricity billsinsurance and education bills, all from the comfort of your home. Lastly, you also have a 24/7 support centre dedicated to providing you with all the help you may need.

2022 JAMB e-PIN (UTME & DE): Sale Ends In 9 Days

The sale of 2022 JAMB e-PIN (UTME & DE) will be ending in just a matter of 9 days. And that is why we’re calling all JAMB candidates.

The JAMB 2022 UTME/DE registration will now end on March 26th, 2022. This is because the time frame is the only window allotted by relevant authorities to the board to conduct the exercise.

According to JAMB,  before the commencement of registration or examination for any given year, all public examination bodies are invited to a roundtable. This is where they agree on the timetable of activities for each examination agency. And this must be strictly adhered to. What does this mean? It’s simple actually. It is impossible for the Board to contemplate any extension of registration. Why so? Sister examination bodies such as WAEC NECO and NABTEB have their allotted time. And the Board cannot usurp that.

The info is valid. Based on this information, we advise candidates who are still yet to get their ePINs to do so as soon as possible. Like, right now. From all indications, the sales of ePIN will last until a day before the registration deadline. That is, unless JAMB officially announces otherwise.

What to do

Hurry! Right now, the 2022 JAMB e-PIN (UTME/DE) is still available on VTpass. Sale has commenced and is scheduled to close on the 25th of March, 2022. Simply log on to ppp.vtpass.com/jamb to buy your JAMB e-PINs now!

Also, you can experience instant transaction processing when you use VTpass for other services. Firstly, with VTpass, you can buy airtime or data. Subsequently, you can also pay TV subscriptionselectricity billsinsurance and education bills, all from the comfort of your home. Lastly, you also have a 24/7 support centre dedicated to providing you with all the help you may need.

In conclusion, VTpass has all your bill payment needs covered. And it’s all just a click away!

Didn’t Get JAMB e-PIN: What To Do

Firstly, to get your JAMB e-PIN, you should ensure you make your purchase using a reliable platform like VTpass. Bill payments made through VTpass are superfast. And you get value immediately. However, we know there are a few cases where you might not have gotten your JAMB e-PIN immediately. This could be due to a number of reasons. This will help you get your JAMB e-PIN in such cases

At VTpass, we are particular that you get instant value for services you pay for when you need it. By simply logging on to ppp.vtpass.com, you get to conveniently pay for everyday services. From airtime and data subscriptions. to electricity bills, cable tv subscriptions, insurance bills and education bills, VTpass has you covered. Upon using some of these services like the JAMB e-PIN purchase, you will need to receive a PIN to complete your registration. In rare cases, you may not receive this e-PIN immediately due to service breakdown, poor network issues, or maybe a drained phone battery.

Firstly, do not panic. You have not been scammed. VTpass has been delivering top notch service to customers for years. Should in case you did not receive your JAMB e-PIN after making payment through the platform, all you need to do is follow any of the steps below.

Contact Support

You can contact support via a number of channels.

  1. The Live Chat
  2. Calling our helpline
  3. Sending an email
  4. Social Media
  1. Firstly, the Live Chat feature gives you instant access to our 24/7 support centre just by clicking on “help” and “start live chat” from the VTPASS Mobile App or by logging on to ppp.vtpass.com from your phone browser and clicking on “online – chat with us” at the bottom right. All you need to do is provide them with the phone number/email address linked to your e-PIN purchase, and your profile code, and your complaint will be resolved.
  2. Secondly, calling our helpline is always advised if you have an urgent issue that needs resolution. Our helpline is always available to give you 24-hour dedicated support. That’s right, getting that issue resolved is as simple as dialling 08138752358 now!
  3. Thirdly, You can send a mail to support@vtpass.com now and we’ll help you resolve any issue you have. Just provide the phone number/email address linked to your e-PIN purchase, and your profile code, and your email will be treated promptly.
  4. Finally, you can also get your issues resolved by sending a DM to us via InstagramTwitter or Facebook with the necessary details of your transaction.

In conclusion, bill payments on ppp.vtpass.com are superfast, easy and convenient. In addition, you get 24/7 access to our support team to help you through any glitch you might have. Why don’t you try us today?

How to get Profile Code for JAMB e-PIN Purchase

The 2022 JAMB e-PIN (UTME/Direct Entry) is now available on VTpass and in line with the new directive, candidates will need to obtain a profile code for JAMB e-PIN purchase. Don’t know how to get it? We’re here to help. Sale for 2022 JAMB has commenced. And it is due to close on the 26th of March 2022.

JAMB registration has moved away from just purchasing a form. Now, there are requirements to meet before you are eligible to buy the e-PIN you need to register. Most important is having your profile code generated. We’ll walk you through what to do to get your profile code generated. It is easy. Just follow the steps below.

NOTE: Only one phone number can be used by each candidate to obtain his/her JAMB profile code. Also, make sure you use a phone number that you easily have access to.

Generating Profile Code for JAMB e-PIN Purchase

You need to generate your profile code, whether you’re a UTME candidate or a Direct Entry candidate. You then use the profile code to purchase your e-PIN. Here’s how

  1. Firstly, candidates should have obtained their NIN as directed by JAMB. In line with JAMB’s directive, only candidates who have obtained their NIN can register for the examination. If you do not have your NIN yet, then you need to register. Click here for information about how to register for your NIN. Consequently, if you already have your NIN, but misplaced it, You can simply dial *346# on any service provider to retrieve it.
  2. Secondly, Kindly link your SIM Card with your NIN to enable you receive the profile code in your phone. Even if you have linked your SIM before, try doing it again for faster receiving of your profile code. Note: Do not use SIM Card already linked by someone else maybe your mother or your father. It must be linked by you. This implies that the SIM must be yours.
  3. Thirdly, upon obtaining your NIN, SMS ‘NIN’, space and your 11 digit NIN number to 55019. For example, send (NIN 00123456789) to 55019. Be sure to put a “space” just like the example given. Similarly, also ensure that you are sending the correct NIN. You don’t have to send this message with the same phone number used in registering your NIN in the first place.
  4. Subsequently, Get Your Profile Code. Upon sending message to 55019, you’ll receive an SMS response containing a 10-digit profile code alongside your registered name with NIMC. This 10 digit profile code is important as you will not be able to purchase JAMB e-PIN without it.

What’s Next?

After that, you can visit ppp.vtpass.com/jamb and buy your e-PIN using the 10-digit profile code you received via SMS and your e-PIN is immediately sent to you via email, SMS, web and the VTpass app.

Note: The cell phone number used for sending ‘NIN’ to 55019 is automatically linked to the candidate’s name supplied by NIMC and will be used in all communications related to his/her application/examination.

How To Locate JAMB Accredited Centres

Registration for JAMB 2022 is ongoing and due to the updated process by the governing body, registration has to be completed at JAMB accredited centres. Neat right? Yes. We are loving the new structure. The process however, is another conversation

Why? Firstly, you have to have your NIN. Your NIN details are then used to get a profile code. The profile code is used to purchase your JAMB e-PIN. And the process goes on. Need a step by step on how to buy your JAMB e-PIN? We have you covered. Just click here for an easy guide. The e-PIN is then submitted at any of the JAMB accredited centres near you.

You are almost done at this point. Finding a JAMB accredited centre near you however is an entirely different experience. Candidates go from place to place. Having different experiences. Scammers get some. So we built a tool that helps you easily locate accredited centres around you.

Locating JAMB Accredited Centres Easily

To easily find accredited centres around you, simply click https://ppp.vtpass.com/jamb-centers. To use the tool, simply select your state and type in the city you reside in eg State “Lagos” City “Ogba”. All JAMB accredited centres around you will be displayed, along with their addresses.

Please note that you are not to pay anything at any JAMB accredited centre. When you purchase your JAMB e-PIN from a platform like VTpass, your receipt comes with a breakdown that looks like this below

From the image above, you can see that you already have paid the fee for the accredited centre. This means you are not to pay a dime extra, at any point during your registration. If the centre is asking for a fee, then chances are you are not at an accredited centre.

That’s it. Now you can easily find a JAMB accredited centre near you. In conclusion, you can also make other bills payment like Cable TVelectricity bills airtime and data easily with VTpass. It’s as easy as click, pay and go

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://ppp.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?