PayAttitude FAQ
Contents
1. Q What should I do if my phone is misplaced stolen or lost A You can take the following actions Call our Customer Care Centre number on 01 2703023 and request for your PayAttitude to be disabled Visit any branch of your issuer bank and request for your PayAttitude to be disabled Q What are the transaction limits on PayAttitude A This is governed by the limits that exists on your bank account and CBN regulations For offline transactions the set limit is N1 000 000 per day maximum N250 000 per transactions Q Do I need to have airtime on my phone to use PayAttitude Premium A You don t need airtime for Contactless proximity transactions For Remote distant transactions you need just enough airtime to use SMS Q How will offline transactions be stopped when a phone is stolen A You can take the following actions Call our Customer Care Centre issuer bank contact center and request for e purse to be deactivated Visit any branch of your issuer bank and request for your e purse to be deactivated Q What will happen to existing POS terminals that are not NFC enabled A There will be add ons for some terminals while some terminals will need to be replaced Q What will be the validation for transactions done A The consumers will need to put in their PINs for validation Q Is the PIN Validation Online real time Yes itis How will prepaid customers load their tags They can go to the nearest merchant locat2. Contactless Transactions for all variants of PayAttitude Make contactless payments for goods purchased at Merchant locations e g retail supermarkets pharmacy shops bookshops hotels restaurants bars eateries toll gates plaza parking lots etc Withdrawal of cash at ATMs Withdrawal of cash using POS at Merchants locations Make payment for regular bills like DSTV PHCN Internet Access etc Purchase of airtime both PIN and virtual top up Transfer funds from a Bank account to another and from a Bank account to an e Wallet Make balance enquiries on your bank account and e Wallet Generate mini statements Remote Distant Transactions for only Premium Q Why do I need the Plus or Offline ePurse What are the benefits to the holder A The benefits to the holder are The holder can spend whatever amount he she has on his e purse at any PayAttitude merchant shop The holder has no fear of network connection All transactions within limit will be successful Q Where can I purchase PayAttitude Premium A PayAttitude packs can be purchased at branches of participating banks selected agent locations e g all major supermarkets pharmacy shops shopping malls bookshops eateries etc Q Where can purchase PayAttitude DebitPlus A PayAttitude packs can be purchased ONLY at branches of participating banks Q Where can purchase PayAttitude Prepaid Plus A PayAttitude packs can be purchased at branches of participating
3. Frequently Asked Questions for PayAttitude Q What is PayAttitude Premium A PayAttitude Premium is a Chip Pin Tag type contactless solution based on NFC Near Field Communication technology that converts a subscriber customer s mobile phone handset to an NFC device and links the handset to the subscriber customer s 15 accounts Plus ePurse enabling the subscriber customer to debit his her account s for both Remote Distant and Proximity Contactless payment transactions Q What is PayAttitude DebitPlus A PayAttitude Debit is a Chip Pin Tag type contactless solution based on NFC Near Field Communication technology that converts a subscriber customer s mobile phone handset to an NFC device and links the handset to the subscriber customer s Debit account Plus ePurse account enabling the subscriber customer to debit his her account s for different Proximity Contactless payment transactions Q What is PayAttitude Prepaid Plus A PayAttitude PrepaidPlus is a Chip Pin Tag type contactless solution based on NFC Near Field Communication technology that converts a subscriber customer s mobile phone handset to an NFC device and links the handset to the subscriber customer s Prepaid Mobile money account Plus ePurse account enabling the subscriber customer to debit his her Prepaid Mobile money account s for different Proximity Contactless payment transactions Q What type of financial transactions can I do with PayAttitude A Proximity
4. banks selected agent locations e g all major supermarkets pharmacy shops shopping malls bookshops eateries etc Q How many accounts can link to PayAttitude Premium A You can link as many as 15 bank accounts to your PayAttitude Premium with up to 3 accounts per bank Q What are the contents of my PayAttitude Premium pack A Your PayAttitude pack upon purchase contains a SIM like sleeve called Secure Element a square shaped Tag with adhesive and a User manual Q What are the contents of my PayAttitude DebitPlus Prepaid Plus pack A Your PayAttitude pack upon purchase contains a square shaped Tag with adhesive and a User manual www accessbankplc com Q What do need to have before buying PayAttitude pack A A functional mobile phone with a SIM card Q Do I need to subscribe to data services of the Telcos for internet connection before using PayAttitude A No you don t PayAttitude works without internet access on your phone Q What is PIN and how do obtain it A PIN stands for Personal Identification Number It is a 4 digit number known only to you and is used to authenticate transactions done with your PayAttitude Your PIN of choice is selected by you during the subscription process Q What do I need to do to start using my PayAttitude Premium A You will need to install and activate it by doing the following Proceed to the nearest branch of your bank where you have a bank account if
5. d with a Personal Identification Number PIN known only to the holder Also for PayAttitude premium users the PayAttitude items i e Secure Element and Tag cannot be used by any other mobile phone with a different SIM card except the holder s original SIM card that was registered with the PayAttitude Q Where can use my PayAttitude to make payments A To find out where you can use your PayAttitude click here to view the list of PayAttitudeacceptingMerchants locations www accessbankplc com Q Is PayAttitude safe and secure A Yes This is because PayAttitude runs on a platform that is compliant with EMV PCI DSS Standards These are the highest form of international security standards available The data exchanges are encrypted end to end Transactions are protected with a PIN In case of stolen phone your PIN protects you against unauthorized use Q Where can I get help and more information about PayAttitude A Please send an email to helpdesk unifiedpayments com or call 012703023 012703021 and 012703011 Q Will receive a notification when my monthly subscription is about to expire A Yes you will be notified that your subscription will be expiring at a particular day Q What should I do when my e wallet or bank account is wrongly debited A Kindly visit your bank branch or send an email to helpdesk unifiedpayments com or call our customer care on 012703023 012703021 and 012703011 to lay your complain
6. e transferred back to his bank account Yes on the request of the customer What differentiates the tags The tags are only differentiated at subscription when the tag is mapped to a PayAttitude variant Can the serial number on tag be repeated No Can the tag ID be repeated No Can the CSO print out comprehensive customer data from the PayAttitude Client Yes Can a PayAttitude tag be linked to a bank s existing E wallet Yes Is PayAttitude going to be interoperable Yes Which bank will PayAttitude Prepaid tags be mapped to www accessbankplc com
7. ion or the nearest bank to them to load tags Can already existing NFC phone transact on NFC enabled tags Yes as long as they have PayAttitude Are the remote transactions encrypted Yes they are Can the tags be removed from one phone to another Yes they can How long does it take for settlement Settlement takes the usual T 1 Will a customer be able to do PIN Change Yes you can at authorized Merchant locations Will there be charges for ATM code withdrawal Yes there will OrOrOrPOrPOPOPOPFPO Can the tags be damaged by water heat sunlight etc www accessbankplc com A Yes it will Little drops of water may not damage it but if dropped into a bucket of water for instance the tag will be damaged Even heat and exposure to sunlight damages tag PO FO rPFOPO FO FOPOPOHO FO FOP OP OO Can an already registered tag be re registered No it can t Can Bill collections be done on NFC enabled POS terminals Yes Can Contact Centers have the Privilege to block tags Yes How do you validate a customer calling for a tag to be blocked Certain questions will be asked Do customers pay Transaction charges after the monthly subscription There are no charges for payments to merchants Convenience fees may be charged for certain transactions Will the PayAttitude Premium users have an app on their phone No app is required The PayAttitude SE and Tag are adequate Can the fund on the customer s e purse b
8. unt debited when make contactless payments at Merchant shops with my PayAttitude DebitPlus PrepaidPlus A For Online transactions your bank account prepaid account will be debited while for Offline transactions your e purse will be debited So you must ensure availability of adequate fund in your bank account prepaid account at all times for online transactions and adequate funds in your e purse at all times for offline transactions Q How do I fund my e wallet A You can fund your e Wallet using various options below Transfer funds from your bank account s to your e wallet The transfer may be done at a bank branch PoS at agent locations or by yourself if you have PayAttitude Premium Make cash deposit at Merchant s location into your e Wallet Q Can withdrawal cash with my PayAttitude A Yes By generating one time transaction code you can Make cash withdrawals i on the ATM ii using the POS at Merchant locations if you have PayAttitude Premium or at merchant locations only if you have Debit or Prepaid Make purchases on the internet if you have PayAttitude Premium Q Do require special mobile phone or Telco before using PayAttitude A No PayAttitude works with all types of GSM phone and all Telco networks Q If my PayAttitude enabled mobile phone is stolen misplaced or lost can an unauthorized party have access to the funds in my bank account s and or e Wallet A No Every transaction is protecte
9. you purchased it from a non bank location and request for subscription and activation of your PayAttitude Request for subscription and activation if purchased from a bank branch Your PayAttitude will be linked to your bank account and you can immediately start enjoying the functionalities of PayAttitude Q What do I need to do to start using my PayAttitude Debit P us A Visit any of the participating banks branch and request to be subscribed to PayAttitude DebitPlus Q What do I need to do to start using my PayAttitude Prepaid Plus A Visit any of the participating banks branch Agent locations and request to be subscribed to PayAttitude PrepaidPlus Q Is my PayAttitude protected from unauthorized usage A Yes A PIN Personal Identification Number is required before transaction can be successfully carried out Q How do link my accounts in other banks to my PayAttitude Premium A Simply proceed to the bank where you have other accounts and request to link your account s to it Q Is my bank account debited when I make contactless payments at Merchant shops with my PayAttitude Premium A For Online transactions your bank account will be debited while for Offline transactions your e purse will be debited So you must ensure availability of adequate fund in your bank account at all times for online transactions and adequate funds in your e purse at all times for offline transactions Q Is my bank account prepaid acco
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