In the digital age, the way we handle financial transactions has evolved significantly. Gone are the days when settling bills and making payments required a visit to a physical payment outlet or standing in long queues at a bank. Today, we have the convenience of online payment platforms like VTpass, which have revolutionised the way we manage our finances.

vtpass vs traditional payment method financial transactions

Understanding VTpass: A Beacon of Convenience

VTpass is an online payment platform that offers a wide range of services, including utility bill payments, mobile phone recharges, data bundle purchases, education payments, and many more. With VTpass, you can complete these transactions seamlessly, all from the comfort of your home or office.

The Age of Digital Convenience

In recent years, the world has witnessed a significant shift towards digital convenience in various aspects of life. Financial transactions are no exception. Traditional payment methods, which involve physical visits to payment centers or banks, are gradually being replaced by more efficient and user-friendly alternatives.

Let’s explore some of the key differences between VTpass and traditional payment methods to help you understand why embracing the digital era can be a game-changer for your financial transactions.

VTpass: The Pinnacle of Convenience

  • Online Accessibility:

VTpass: With VTpass, all your financial transactions are just a few clicks away. Whether you need to pay your electricity bill, recharge your mobile phone, or book tickets for an event, you can do it online, 24/7. There’s no need to worry about operating hours or holidays.

Traditional Payment Methods: Traditional payment methods often require you to visit a physical location during specific hours of operation. This can be inconvenient, especially if you have a busy schedule or live far from the payment center.

  • Payment Flexibility

VTpass: VTpass offers a variety of payment options. You can pay with your debit or credit card, use mobile money services, or fund your VTpass Wallet for quick and easy payments. The choice is yours, and you can opt for the method that suits you best.

Traditional Payment Methods: Traditional methods typically involve cash payments or checks. These methods may not be as convenient, secure, or versatile as the payment options provided by VTpass.

  • Bill Payment Reminders

VTpass: One of the standout features of VTpass is its bill payment reminder service. You can set up reminders for all your bills, ensuring that you never miss a due date. Late payment fees and disconnections become a thing of the past.

Traditional Payment Methods: Traditional methods often lack automated reminders, requiring you to remember due dates or rely on manual calendars. Missing a payment deadline can lead to inconveniences and extra costs.

  • Transparency and Records

VTpass: VTpass provides you with a transparent transaction history. You can easily access and review your payment history on the platform. This feature offers several benefits:

  • Transaction Verification: You can verify that your payments were successfully processed, eliminating any doubts about payment status.
  • Expense Tracking: Keep track of your monthly expenses by reviewing your payment history. This information helps you manage your budget more effectively.
  • Reference for Disputes: In case of billing discrepancies or disputes, your payment history serves as a reliable reference point for resolution.

Traditional Payment Methods: Traditional methods often provide limited transaction records, making it challenging to track and verify payments accurately.

Conclusion: Embrace the Future of Financial Transactions

In conclusion, the digital era has ushered in a new age of convenience and efficiency in financial transactions. Online payment platforms like VTpass have redefined the way we manage our finances, offering unparalleled convenience, flexibility, and transparency.

While traditional payment methods served their purpose in the past, they often come with limitations that can be overcome by embracing digital alternatives. VTpass stands at the forefront of this digital revolution, simplifying bill payments, mobile recharges, and other financial transactions.

Say goodbye to the hassles of physical visits, manual tracking, and missed payment deadlines. Embrace the future of financial transactions with VTpass, where convenience, flexibility, and peace of mind are just a click away.

Make the smart choice today. Join the millions of satisfied VTpass users who have experienced the benefits of digital convenience in their financial transactions. Your journey towards seamless and efficient payments begins here. In conclusion, bills payment with www.vtpass.com is superfast, easy and very 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?

Unlocking the Benefits of the VTpass Wallet

In today’s fast-paced world, convenience and efficiency are paramount when it comes to managing our daily tasks, including bill payments. VTpass understands the needs of its users and has introduced the VTpass Wallet —a feature that not only enhances convenience but also offers the potential for significant effective flow. In this comprehensive guide, we will explore the advantages of using the VTpass Wallet for online transactions

the vtpass wallet

The VTpass Wallet: Your All-in-One Solution

The VTpass Wallet is a secure digital wallet that allows users to store funds for quick and easy online transactions. It serves as a centralised account where you can deposit money, making it readily available for various payments, including utility bills, mobile recharge, and more. Here’s why the it stands out:

1. One-Click Payments for Ultimate Convenience Imagine a world where you can make payments with just one click—no need to enter your card details repeatedly or undergo the hassle of mobile money transfers. With the VTpass Wallet, this level of convenience becomes a reality. Users can fund their wallets once and enjoy swift, one-click payments for all their bill settlement needs.

2. Exclusive Discounts and Promotions VTpass values its users and frequently offers exclusive discounts and promotions for those who choose to use their VTpass Wallet for payments. These promotions can lead to substantial savings over time, especially for users who make regular bill payments.

3. Transparent Transaction Records One of the key advantages of the VTpass Wallet is the transparency it offers. Users can easily access and review their transaction history within the wallet.

This feature is invaluable for several reasons:

  • Transaction Verification: Users can verify that their payments were successfully processed, ensuring peace of mind and eliminating doubts about payment status.
  • Budget Management: Keeping track of monthly expenses becomes a breeze with the wallet’s built-in transaction history. Users can monitor their spending patterns and adjust their budgets accordingly.
  • Reference for Disputes: In the rare event of a billing discrepancy or dispute, the transaction history within the wallet serves as a reliable reference point for resolution.

4. Enhanced Security Measures Security is a top priority when it comes to online transactions, and VTpass takes this responsibility seriously. The VTpass Wallet is equipped with robust security measures to protect users’ funds and data. Users can trust that their financial information is safe and secure.

5. Multiple Payment Options for Wallet Funding: VTpass understands that users have diverse preferences when it comes to funding their wallets. To cater to these preferences, VTpass offers multiple payment options, including card payments, mobile money transfers, and bank transfers. Users can choose the funding method that suits them best. Here is how to fund.

6. Effortless Mobile App Integration For users who prefer the flexibility of mobile payments, the VTpass Wallet integrates seamlessly with the VTpass mobile app. This means that users can make quick and convenient payments on the go, whether they’re stuck in traffic, waiting for a meeting, or simply prefer the convenience of mobile transactions.

How to Get Started with the VTpass Wallet

Here’s a step-by-step guide:

  1. Create or Log In to Your VTpass Account: If you don’t have a VTpass account, you can easily create one. If you already have an account, simply log in.
  2. Navigate to the Wallet Section: Once logged in, navigate to the “Wallet” section within your VTpass account.
  3. Fund Your Wallet: Choose your preferred payment method and fund your wallet with the desired amount. The funds will be instantly available for your transactions.
  4. Enjoy One-Click Payments: With funds in your VTpass Wallet, you can now enjoy the convenience of one-click payments for various services and bills.


In conclusion, the VTpass Wallet is a game-changer for users seeking convenience in their bill payment processes. With one-click payments, exclusive discounts, transparent transaction records, enhanced security measures, multiple funding options, and effortless mobile app integration and also designed to simplify your life and enhance your financial management.

Say goodbye to the complexities of multiple payment methods and hello to a centralized, user-friendly solution that offers convenience at your fingertips. Make the smart choice today and experience the benefits of the VTpass Wallet for all your online transactions.

Experience the future of bill payments with VTpass Wallet—your key to seamless, stress-free, and cost-effective financial transactions.

5 Tips for a Smooth Utility Bill Payment Experience with VTpass

In today’s fast-paced world, managing your utility bills can be a daunting task. Late payments can lead to disconnections, extra charges, and unnecessary stress. Fortunately, VTpass is here to simplify your life by providing a seamless platform for paying your utility bills. In this comprehensive guide, we will share five valuable tips to ensure that your utility bill payment experience with VTpass is smooth, stress-free, and efficient.

Tip 1: Setting Up Payment Reminders

One of the most significant advantages of using VTpass for your utility bill payments is the option to set up payment reminders. Obviously, life can get busy, and it’s easy to forget payment due dates. By utilising this feature, you can receive timely notifications, ensuring that you never miss a payment deadline again. Here’s how to do it:

  1. Log in to your VTpass account.
  2. Navigate to the “Payment Reminders” section.
  3. Enter the details of your bills and their respective due dates.
  4. VTpass will send you reminders well in advance, giving you ample time to make payments.

Thus, this simple yet effective feature can save you from late fees, reconnection charges, and the inconvenience of service interruptions.

Tip 2: Explore Multiple Payment Options

In essence, VTpass understands that everyone has their preferred payment method. That’s why we offer a wide range of payment options to cater to your needs. Whether you prefer mobile money, card payment, or funding your VTpass Wallet, we’ve got you covered. Here’s an overview of the available payment options:

  1. Card Payment: Pay your bills securely using your debit or credit card.
  2. Wallet Funding: Fund your VTpass Wallet for quick and easy bill payments.
  3. Mobile Money: Conveniently pay your bills using popular mobile money services.
  4. Bank Transfer: Transfer funds directly from your bank account to settle your bills.

Having multiple payment options ensures that you can choose the one that suits you best, making the bill payment process more convenient than ever.

Tip 3: Bill Payment History at Your Fingertips

Transparency and accessibility are essential when it comes to managing your finances. VTpass provides you with a user-friendly interface that allows you to access your bill payment history with ease. This feature is incredibly valuable for several reasons:

  1. Transaction Verification: You can verify that your payments were successfully processed, giving you peace of mind.
  2. Expense Tracking: Keep track of your monthly expenses by reviewing your payment history.
  3. Reference for Disputes: In the rare event of a billing discrepancy, your payment history serves as a reference point for dispute resolution.

To access your bill payment history, log in to your VTpass account and navigate to the “Transaction History” section. Here, you’ll find a detailed record of your past payments, including payment dates and confirmation receipts.

Tip 4: Exceptional Customer Support

At VTpass, we prioritise customer satisfaction and are committed to providing top-notch customer support. Our dedicated support team is readily available to assist you with any payment-related queries or issues you may encounter. Whether you have questions about a specific bill, encounter a technical glitch, or need assistance with your VTpass account, we’re here to help.

Our customer support channels include email, phone, and live chat, ensuring that you can reach us through your preferred method. Feel free to get in touch whenever you need assistance, and we’ll provide prompt and efficient solutions to your inquiries.

Tip 5: VTpass Mobile App for On-the-Go Payments

In today’s mobile-driven world, convenience is key. Fortunately, that’s why VTpass offers a user-friendly mobile app that allows you to make bill payments on the go. Whether you’re stuck in traffic, waiting for a meeting, or simply prefer the flexibility of mobile payments, our app has you covered.

Key features of the VTpass mobile app include:

  1. Easy Bill Payments: Pay your bills conveniently using your smartphone.
  2. Payment Reminders: Receive timely bill payment reminders directly on your mobile device.
  3. Secure Transactions: Enjoy secure and encrypted transactions for your peace of mind.
  4. Access to Wallet: Manage your VTpass Wallet and make payments seamlessly.

The VTpass mobile app is available for both Android and iOS devices, ensuring that you can access our services whenever and wherever you need them.


In conclusion, VTpass is your trusted partner for a smooth and stress-free utility bill payment experience. Furthermore, by implementing these five tips—setting up payment reminders, exploring multiple payment options, accessing your bill payment history, utilising exceptional customer support, and using the VTpass mobile app—you can streamline your bill payment process and enjoy the convenience of efficient, on-time payments.

Don’t let late payments or service interruptions disrupt your life. Take advantage of VTpass’s user-friendly platform and payment solutions to ensure that your utility bills are paid promptly, allowing you to focus on what truly matters.


We have great news for you today; WAEC 2023 Registration for Private candidates is on! If you are a senior secondary student or have senior secondary students around you looking to attempt the upcoming WAEC exams, then this is for you.

Registering is easy. And this is something you can do yourself. Wondering how? We’ll show you. Firstly, you’ll need a registration pin. Just follow the steps below to get yours.

How To Buy WAEC/GCE Registration Pin

  1. Log on to www.vtpass.com/waec-registration
  2. Select exam type and input all necessary details.
  3. Proceed to payment. Choose payment method to complete your transaction.
  4. You’ll get an SMS and email containing your registration pin.

Upon receiving your pin, visit https://registration.waecdirect.org/Register/Start to create your user profile with your pin and begin registration. It’s as simple as that. Zero stress involved!

That’s a lot, but not all! With VTpass, you can experience speed of light transactions. Buy airtime or data, pay TV subscriptions, electricity bills, insurance and education bills, all from the comfort of your home. What more? With VTpass, you have access to a 24/7 support centre dedicated to providing you with the best support you need.

In conclusion, with VTpass, you can get your WAEC Registration Pin easily so you can focus on your exams. And you know, now is the time to actually focus, not do the dance.


Moving to a new house is a significant milestone in life, filled with excitement and trepidation. Whether it’s for a job opportunity, a change of scenery, or to start a fresh chapter in life, relocating to a new house in Nigeria opens up a world of possibilities. This blog post delves into the joys and challenges of moving to a new house in Nigeria. It provides insights and tips to make the transition smooth and memorable.

moving to a new house


  1. Embracing Cultural Diversity

One of the most enriching aspects of moving to a new house in Nigeria is the opportunity to embrace cultural diversity. Nigeria boasts a tapestry of ethnic groups, each with distinct traditions, languages, and customs. Embracing local culture allows newcomers to build meaningful connections with their neighbors and communities, fostering a sense of belonging.

  1. Welcoming and Friendly Neighborhood

Nigerians are renowned for their warm hospitality and friendly nature. When moving to your next house, expect open arms from your new neighbors. Neighbors often extend a helping hand, easing the settling in and making the transition more comfortable.

  1. Adapting to a Vibrant Lifestyle

Nigeria’s bustling cities and towns offer an exciting and vibrant lifestyle. From the bustling markets to the lively festivals and events, newcomers will find plenty of opportunities to immerse themselves in the country’s dynamic culture. Embrace the local cuisine, music, and traditions to fully experience the spirit of Nigeria.

  1. Navigating the Real Estate Market

Finding the perfect new house in Nigeria requires some research and consideration. The real estate market can be diverse, with options ranging from modern apartments to traditional houses. Factors like location, accessibility to amenities, and security are vital considerations. Engaging a reputable real estate agent can prove immensely helpful in navigating the market and finding your dream home.

  1. Weather Considerations

Nigeria’s climate varies significantly depending on the region. Coastal areas experience tropical weather, while northern regions have arid climates. Preparing for weather conditions and packing accordingly can make adaptation to a new climate smoother.

6. Infrastructure and Utilities

Before moving, it is essential to research the availability and reliability of essential utilities like electricity, water, and internet services in the new area. While major cities usually have well-established infrastructure, rural areas might have varying access to these amenities.

  1. Embracing the Local Language

While English is Nigeria’s official language, various local languages are spoken across the country. Learning a few basic phrases in the local language can contribute a long way in fostering communication and building connections with the locals.

  1. Schools and Education

Families with children must consider the availability of quality schools and educational institutions near their new house. Nigeria has a range of public and private schools, offering diverse curricula to suit individual preferences.

  1. Security Precautions

As with any country, safety is a primary concern when moving in Nigeria. While Nigeria has many safe neighborhoods, it is advisable to research the safety situation in the chosen area. It is also advisable to take the necessary precautions to ensure a secure living environment.


Moving to a new house in Nigeria is a life-altering experience, filled with adventure and opportunities. Embrace the rich cultural diversity, immerse yourself in the vibrant lifestyle, and forge lasting connections with your neighbors. While challenges may arise, proper planning and a positive attitude will make your transition to a new home in Nigeria a truly fulfilling journey. So, take the leap, and savor the joys of embracing a fresh start in this beautiful and diverse nation.

At Vtpass, we make paying all pending bills quick and convenient. Just by logging in to www.vtpass.com, you can pay for your phone airtime- Etisalat, AirtelMTNGLO; your TV subscriptionelectricity billsdata subscription and so on.

Prepaid Metre Wonder

In the era of estimated electricity bills and the fear of disconnection for non-payment, I distinctly recall the times when NEPA officials made their rounds. Those moments had a certain intriguing quality, but they also brought stress as we anticipated the inevitable debates while negotiating a lower bill. Thankfully, with the introduction of prepaid metre, those challenging days are behind us. Now we have the freedom to manage our electricity usage and expenses more efficiently.

This process was particularly hard on people living in low-income households, as they were often unable to pay the full amount of the estimated bills and were at risk of having their electricity disconnected.

Prepaid metre billing has come a long way since then and has been a relief for NEPA officials and consumers. It has positively changed the way consumers access and manage electricity. Today, you can purchase your electricity token online using websites and mobile applications like VTpass. You’ll get your token in seconds after paying. At this point, you’ll agree that ease of access and convenience are now synonymous with VTpass. 😁

prepaid metre

Let’s look at some of the benefits prepaid metre offer and the potential ahead:

  1. Consumer control over electricity usage:
    Thanks to prepaid meters, unexpected charges and estimated billing are now a thing of the past since consumers now have full control over their electricity consumption. As a consumer, you can monitor your electricity usage through your UIU (user interface unit) attached to your prepaid meter and use it to track usage patterns and possibly identify appliances that consume a lot of electricity.
  2. More accurate budgeting & financial planning:
    For those that like to prepare their finances every month, prepaid meter billing lends a hand to help achieve any financial goals. The pricing transparency that prepaid meters offer means that there are no unexpected surprise charges or disputes. You simply use what you paid for. This way, you can budget your electricity expenses effectively and meet all your other financial obligations without any financial strain.
  3. Convenience and reliability
    VTpass is at the forefront of providing ease of access, reliability and convenience to electricity consumers in Nigeria. You save your time and your energy so that you can do more important things. With VTpass, you don’t have to worry about running out of electricity; simply recharge your prepaid metre with ease and enjoy the convenience of not having to wait in line. This hassle-free process is designed to give you more time to focus on the things that matter most.
  4. Conservation of energy
    Now that you are able to monitor your electricity consumption, you can determine what consumes a lot of energy and eliminate energy wastage by these appliances. This will in turn reduce your impact on the environment and reduce your carbon footprint.

    By enabling you to do this, prepaid metres contribute not only to long-term cost savings, but also facilitate sustainable practices which will lead to a greener future.

The future:

Imagine paying for your electricity token and your prepaid meter being recharged automatically without having to return to your meter to enter the 20-digit code. That sounds amazing, right? I believe that we are getting closer to achieving that than ever before.

As technology advances, we will see many more exciting possibilities as wireless prepaid meters are integrated into smart homes. This will provide seamless energy management experiences. You could fund a wallet at the beginning of the year and your smart home would automatically recharge a preset amount when your units get low.

This ease of access and convenience has made VTpass the go-to solution for prepaid meter billing. This means that consumers no longer need to physically visit banks or vendors to get their tokens. They can now purchase their tokens from the comfort of their homes or offices with just a few clicks. This has made it easier for consumers to access and manage their electricity needs which has improved their overall experience.


Prepaid meters have completely changed the power industry in Nigeria and they still offer a very promising future that embraces sustainability, cost-effectiveness and convenience.

At vtpass.com, we make for quick and convenient means of paying all pending bills. Just by logging in to www.vtpass.com, you can pay for your phone airtime- Etisalat, AirtelMTNGLO; your TV subscriptionelectricity billsdata subscription and so on.

VTpass Agent Commission Rates

If you’re starting out as a VTpass agent or thinking of joining our network of entrepreneurs and curious about our commission rates; you’ve come to the right page!

Earning on VTpass is super easy; all you have to do is to create an account and activate an agent feature on your account (Terminal agent, Widget partner, Referal program or API) and start earning.

Here’s how to become a become an agent:

  • Visit www.vtpass.com
  • Click “Register” to register on the website, fill in the details (email, phone number, etc).
  • After this, log in with your email and password.
  • Once you are logged in, click “My Earning”. You will see buttons to activate different types of agencies.
  • Choose the type of agency you want to activate and activate it.
  • Start marketing your services and start earning.

As compared to other bills-payment platforms, VTpass allows you to earn on every transaction carried out as a partner with different commission rates attached to each service.

vtpass commission rates

You equally get to enjoy other benefits attached to being a VTpass agent. For instance, as a terminal agent, you would not be charged the usual convenience rate of N100 for most services. Also, you would be eligible to participate in VTpass loyalty giveaways among other benefits.

Detailed below are VTpass agent commission rates. Now you can calculate how much you would earn for every transaction performed:

VTpass Agents Commission Rates

Airtel Airtime VTU2.00%0.70%0.70%0.70%3.40%
MTN Airtime VTU3.00%0.70%0.70%0.70%3.00%
GLO Airtime VTU3.00%1.00%1.00%1.00%4.00%
9mobile Airtime VTU2.00%1.00%1.00%1.00%4.00%
DStv Subscription1.20%0.50%0.50%0.50%1.50%
Airtel Data2.00%0.50%0.50%0.50%3.40%
MTN Data3.00%0.50%0.50%0.50%3.00%
GLO Data3.00%0.50%0.50%0.50%4.00%
GLO Data (SME)3.00%0.50%0.50%0.50%4.00%
9mobile Data3.00%0.50%0.50%0.50%4.00%
GOtv Payment1.50%0.50%0.50%0.50%1.50%
Startimes Subscription1.00%0.50%0.50%0.50%2.50%
Ikeja Electric Payment – IKEDC1.50%0.20%0.20%0.20%1.50%
Eko Electric Payment – EKEDC0.50%0.30%0.30%0.30%1.00%
WAEC Result Checker PIN₦150.00₦20.00₦20.00₦20.00₦250.00
WAEC REGISTRATION PIN₦100.00₦50.00₦50.00₦50.00₦100.00
Abuja Electricity Distribution Company- AEDC0.80%0.20%
PHED – Port Harcourt Electric0.50%0.50%0.50%0.50%2.00%
Jos Electric – JED0.50%0.30%0.30%0.30%0.90%
Kaduna Electric – KAEDCO1.00%

Third-Party Motor Insurance – Universal Insurance3.00%
Smile Network Payment4.00%1.00%1.00%1.00%5.00%
IBEDC – Ibadan Electricity Distribution Company0.70%
BENIN ELECTRIC (BEDC)1.00%0.10%0.10%0.10%1.50%
ENUGU ELECTRIC1.40%0.50%0.50%0.50%1.40%
PERSONAL ACCIDENT INSURANCE8.00%1.00%2.00%2.00%10.00%
HOME COVER INSURANCE5.00%1.00%1.00%1.00%6.00%

Voila! There you have it. Now you know; so what are you waiting for? Sign-up now and activate an agent feature on your account to start earning.

Found this article helpful? Kindly share on your social media handles. Follow VTpass on Facebook, Instagram, or Twitter.


The money lesson with Vtpass

Welcome to this money lesson.

We treat money as an end to all money conversations, whether as children or adults. The way we handle or spend money reflects our upbringing and cultural influence on our financial outlook. People spend money for a variety of reasons, including necessities, luxury and other insatiable human drives. However, funding problems make spending harder.

Human needs are insatiable, which means you will never fulfil all your desires. But if you can or want to try, how do you achieve them? Money is what you utilise. You buy stuff with money, go on dates with money, pay hospital bills with money and wish for more money. To put it another way, money makes things happen. The urge to earn more money is the negative aspect of money, and that in itself is not wholly negative. Having extra money opens up a world of possibilities for financial lifestyle.

Money allows us to purchase goods and services that can further our goals and ambitions. Having extra money can also open up opportunities to invest in other businesses, real estate, or the stock market, which can help a person increase their wealth even more. Money can also be used to pay for education, start a business, or get medical care. All of these things can help a person achieve their goals and live a more secure and satisfying life.

Even the most illiterate individual can understand income and expenditure. To understand your personal income statement, you do not need a degree in accounting or finance. Knowing these basic financial terms will take a long way towards helping you plan your future path, whether short or long-term. Simply put, income refers to money you earn or have earned over time (monthly for salaried employees or frequently for business owners and freelancers); and expenditure refers to money you will spend or have spent over time.


So the first money attitude this article recommends is understanding your financial statement. You should also understand that your expenses should never exceed your income at any given time; otherwise you should anticipate being in a difficult economic situation. Take a minute to study your financial statement for the previous 30 days to see what you made and spent. Only then will you have a complete picture of your economic status. 

Without this knowledge, you may be tempted to make decisions that would put you in a precarious financial situation. Having a clear understanding of your financial statement will help you make better decisions when it comes to spending and budgeting. Knowing where your money is going will also give you a better idea of what changes you need to make in order to improve your financial situation.

This is to disprove the notion that as a person becomes more capable or earns more money, his expense list should automatically grow. It is logical that a person could have an instinctive drive to earn more money so that they can spend more. People have mentioned over and over again that they don’t make much money or that their current financial situation prevents them from meeting their long list of expenses. However, one financial mistake you should avoid is increasing your expenditures exponentially as your income rises, otherwise, you’ll find yourself in the same sandstorm you just escaped. So the only way to avoid being trapped in the same economic quagmire is to eliminate superfluous spending from your budget


If there is one cliché that has been around for a long time, and that no one pays attention to, it is this. Rainy days must have happened to anyone who has been around for a long time. This isn’t about rain that falls from the sky on certain days; it is about unforeseen expenses that are just as vital as those that you plan for. In a nutshell, these are the unanticipated expenses that have arrived, and cannot be avoided; all you can do is settle the bills.

As a result, the popular phrase ‘save for rainy days’ comes to mind. This simply means that everyone should have an emergency fund plan. Don’t get them mixed up; they are both yours. The distinction is that your regular savings strategy should be long term (months or years), whilst your emergency cash should be readily available to save you on rainy days. 

Financial literacy is not harmful in any way; in fact, understanding how money works and having the appropriate mindset towards it is one of the many ways a person may grow to be a better person. Financial literacy enables you to handle your money more effectively, and it also allows you to confront your economic problems head on. This gives you a significant advantage, saving more money. Financial literacy can enable a person to make informed spending and earning decisions, which lead to a better economic position. 

By knowing how to manage their money, people can avoid debt and take advantage of opportunities to save and invest. This can help them build wealth and achieve financial security, which is a significant advantage in life.

MONEY LESSON 3 – Stay Healthy

Without mentioning the importance of maintaining health in fostering a positive attitude towards money, this article would be incomplete. Simply put, money is the cornerstone of happiness because of its ability to provide standard healthcare. A person’s physical and mental health will serve as a foundation for earning and spending. Hospital costs can consume a significant portion of a person’s income and lead to wasteful spending. Eating a well-balanced diet, exercising regularly and getting regular medical check-ups can help to keep a person’s health in control. Only a healthy person is able to save. Medical emergencies depletes a person’s money quickly.  

Your monetary mindset, or attitude towards money, has a big impact on your long term financial success. Many of our attitudes regarding money are based on ingrained childhood beliefs or previous monetary experiences. A person’s financial thinking or overall thoughts about money may be significantly altered by certain financial occurrences. The concept of money and how a person handles it is not inborn; rather, it develops over time as a function of circumstances and position.  Follow this conversation in the next money lesson.


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.


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:


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.


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 www.vtpass.com, you can pay for your phone airtime- Etisalat, AirtelMTNGLO; your TV subscriptionelectricity billsdata subscription and so on.

Smile Internet FAQ & Answers

Not the literal smile 😂. The Smile Internet is an internet provider that provides broadband connections that is reliable, stable, and high-quality.

How can I buy a new router ?

You can buy a Router online under the Deals section or you can visit any certified Smile shop. You can also ask a representative from Smile to contact you by completing a contact form on the website.

Smile data now available on VTpass

What should I bring to successfully complete my KYC?

To complete your KYC successfully, please visit a Smile outlet that is a “certified KYC” store. Bring your Nigerian ID document or Passport if you are a foreigner. We will take a portrait photo in-store as well as biometrics. If you are a Nigerian Citizen please also bring your National Identification Number (NIN) with you.

What do I do if I’m repeatedly disconnected or experiencing slow speed?

Check for any appliances with magnetic fields in the vicinity, e.g. microwaves, ovens, disc satellite antennas, and redirect the router away from them. Try to move your router location while checking the signal indicator bar on your router. Two signal bars and above are sufficient to have a good browsing experience.

How do I set up the Smile 4G LTE router?

The Smile LTE router is a plug-and-play device. Just plug the router into a power socket, switch it on and either connect to your PC with a LAN cable or connect with your PC or mobile via Wi-Fi. The Wi-Fi- router password is on the back of the device.

How can my business securely connect remote devices to my network?

Remote devices like ATMs and Point-of-Sale terminals can access the back-end systems on your network via a Smile Corporate APN solution.

Read more. Pay your smile internet data connection here.