How to solve online payment OTP verification code problem

What is OTP?

This one time password generator





OTP stands for One-Time Password. It is generated by the Safetoken Service and so, OTP is also referred to as safetoken. Safetoken/OTP and transaction limits are being put in place for your protection as part of the mandatory regulatory compliance by the CBN
To make online shopping even more secure, online payment processors generate this second level security for your safety. This second level security is a 6-8 digit One Time Password (OTP). This help to protect your credit card payment on the internet.

Online payment gateway without OTP

There is No secured online payment gateway that does not ask for one time password. Any online payment without OTP is NOT fully secured and it is not advisable to shop via such online payment platform.

OTP help you carry out online transactions above the default limits set by your bank.
OTP will always help you enjoy the remember card feature for Verve Cards which requires only your CVV2 and PIN to complete transactions.

You will likely get an OTP on your registered mobile number automatically when you use the card for making online purchases at websites that support verified by VISA or MasterCard® SecureCode™ authentication

To avoid running into the problem of not getting your OTP verification code text message quick when you initiate online shopping, please ensure that you use your primary mobile phone number for both credit card and Web Payment  registration to avail fast authentication.

There are over twenty web payment platforms in Nigeria, if you try using your verve card, mastercard, visa, or other bank credit card to shop on any of these webpay enabled platforms and it didn’t work; it means you have to register for safetoken OTP

How can you register for safetoken services in Nigeria

There are 3 ways to register for safetoken/OTP service namely;
• Activation by your Bank
• Activate on the Quickteller App
• Self-Activation at the ATM

How to self-activate the Interswitch Safetoken on the ATM

The Interswitch Safetoken Service system generates a 6-8 digit One-Time-Password (OTP) whenever a transaction is initiated via the Interswitch Web Payment Platform.

PLEASE NOTE THIS: The customer’s card would have been previously linked to his phone number for him/her to utilize this service. At the point of initiating a transaction, the customer may receive an OTP via hardware/software devices, grid cards or SMS and then he is required to input this OTP on the web payment platform in order to complete the payment.

The OTP is authorized by the Strong Authentication Server residing either at the switch or at the issuing bank and the transaction is completed.

To register for this service, follow the prompt
Go to the nearest ATM, and insert your ATM card
Input your 4-digit PIN and press Enter
Select your bank account type example Savings or Current
Select the ‘Quickteller’ option from the ATM menu screen
Select ‘Pay Bills’ from the Quickteller menu list on the ATM screen
Select ‘Others’ for the bill payment menu option list
Enter ‘322222”as the Biller Code
Enter your Phone Number as the Customer Reference Number and select ‘Proceed’
You will get a display “Do you want to make this payment?” Amount Due: N1
DO NOT edit the amount to be paid
Click on “Pay amount due”
You will then get a confirmation page indicating the registration was successful.

What you can do when you do not get an SMS with an OTP after requesting for one?

Send a mail to [email protected] for assistance in making sure you get your OTP or dial a short code *322*0# to proceed to getting an OTP.

If you get error  when you try to activating your card for Interswitch OTP service, send an email to [email protected]

Finally, OTP is needed for secured online shopping and any online payment platform without OTP is not fully secured.

If you follow the instructions above, you will never have problem with your OTP verification code.

For more information, visit the interswitch Safetoken faq at:


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206 thoughts on “How to solve online payment OTP verification code problem”

  1. i did a school fees transaction the site was telling me to try again later after sending me and OTP. my question is that what about my school fees money that they deposited?

  2. Hello ,i’m Babs I have a problem with activating my OTP .. I tried using the ATM but I only get “ INVALID TRANSACTION “ but I noticed something anytime I try to activate hw I get to the payment reduction proceed to the next page my card is a MasterCard but it shows me Verve-card ( tho I once use a vervecard but misplaced so issued for another which I got a MasterCard ) so anytime I proceed with the details displayed it’s gonna be invalid transaction pls what could be the solution
    Thanks you

  3. Please i was paying for my prepaid meter and my otp code was requested but when i input it,it tells me to try again and before that i was debited the #2000 i was trying to recharge after 10 min i sent another resend otp yet the same issue and debited another#2000 without getting my prepaid unit what do i do?

  4. Please The Phone Number I Use To Open My Account Has Been Lost So I Went To Bank To Change My Alert Phone Number And Then I Always Receive Everything About My Bank Transactions And Then Whenever I Want To Pay Online They Ask For My Acct Phone Nunber And I Press The New One Am Using Now Just To Get My OTP Through Sms And I Was Told The Number Is Not Correct

  5. Pls I transferred 1000 naira to my bet9ja account and mistakenly put a One Time password and my account was debited.

  6. Good morning Mr. Emma! I have obtained new Visa Debit cards from Access Bank and UBA recently (the last 2 months). The problem is, since collecting them, both Visa debit cards do not carry out International online transactions; despite being assured they are dual currency cards. I generated IPINs for both cards on the ATM machine, but nothing has changed. I have been calling customer lines of both banks to complain about it, but they have all been giving me long stories without solving my problem. My question is: are the Visa debit cards being issued lately by Nigerian banks authentic? I suspect they are not, if not, why are my 2 Visa cards from Access Bank and UBA unable to carry out international online transactions?
    Though my GTBank Naira Mastercard works well on all the international merchant sites I transact with. It is only the Visa cards I recently collected that are failing. Please enlighten me.
    Thank you!

    1. 1. You may need to upload fund on the VISA card from your account to see if it will work.
      2. Be sure that the merchant sites you’re transacting on accept VISA Card.
      3. Visit the visa card issuing banks.

  7. dear sir, i was making online transaction and the OTP was sent to me, unfortunately i enter the pin sent to me only to find out that my OTP is blocked that i should call,,,,, which i have i tried to call the rate of their charges is too much.
    Dear sir please i need your help via this plat form sir.

  8. I want to change my old phone number to my new number so that I can get my verification code (OTP)with my new number instead of my old number.

  9. Pls i need ur reply,i registered using mobile code n it was successful.but if i want to transfer it says i sud validate my acct which i did,and anytime i wanted to transfer it keep on telling me transaction failed not validate again.pls wat wil i do to this?

  10. I want to make an online transaction with jumia and I lost my Sim card which I use in getting alart and a code was to be sent to my sim card and what will I do to avoid that code… I provided the other details for the transaction.. But it is just the code that is the problem.. I need ur help

  11. I wanna make Transactions , been outside Nigeria it pop up on my first bank mobile app I need to enter my Otp sent to my registred phone number but I do not have my Nigeria SIM card here. What should I do now ?

  12. Please i need an urgent answer After registering on pay later, on the otp section i was supose to recieve the otp via my phone fortunately it dint work but having recieving otp via some other online payment have being transacting, how do i rectify this?..thank you

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