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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 webpay@interswitchng.com 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 support@interswitchng.com

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: https://connect.interswitchng.com/faqs/safetoken-faq/


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