Secure Payments
All payments on digiMall are protected with bank-level encryption, PCI compliance, and our escrow protection system. Your financial information is always safe.
Available Payment Methods
digiMall offers multiple payment options to suit your preferences:
Debit/Credit Cards
Visa, Mastercard, Verve
Bank Transfer
Direct bank payments
digiMall Wallet
Instant wallet payments
Pay on Delivery
Cash or POS on delivery
Card Payments
Accepted Cards
- Visa: All Visa debit and credit cards
- Mastercard: All Mastercard products
- Verve: Nigerian Verve cards
- American Express: Selected merchants only
How to Pay with Card
- Select "Card Payment" at checkout
- Enter card details:
- Card number (16 digits)
- Expiry date (MM/YY)
- CVV (3-digit security code)
- Cardholder name
- Complete 3D Secure verification:
- Enter OTP sent to your phone
- Or use bank app authentication
- Payment processed instantly
- Receive confirmation
Saving Cards
- Option to save card for future use
- Card details encrypted and tokenized
- Only last 4 digits visible
- CVV never saved (re-enter each time)
- Manage saved cards in account settings
International Cards
Ensure your card is enabled for international/online transactions. Contact your bank if you experience issues with foreign currency transactions.
Bank Transfers
How Bank Transfer Works
- Select "Bank Transfer" at checkout
- Virtual account number generated instantly
- Transfer exact amount to provided account
- Payment confirmed automatically (usually within 5 minutes)
- Order processed after confirmation
Transfer Options
- Internet Banking: Use your bank's online platform
- Mobile Banking: Bank apps on your phone
- USSD: Dial *bank code# from your phone
- Bank Branch: Visit bank for transfer
Important Transfer Notes
- Virtual account valid for 24 hours
- Transfer exact amount shown
- Use order number as reference
- Confirmation usually instant
- Maximum 30 minutes for confirmation
digiMall Wallet
Wallet Benefits
- Instant payments without entering card details
- 2% cashback on all wallet payments
- Easy refunds credited instantly
- Send money to other digiMall users
- Withdraw to bank account anytime
Funding Your Wallet
- Go to "My Wallet" in your account
- Click "Add Money"
- Choose funding method:
- Card payment (instant)
- Bank transfer (5-10 minutes)
- Request from another user
- Enter amount (minimum ₦1,000)
- Complete payment
- Wallet credited immediately
Using Wallet at Checkout
- Select "digiMall Wallet" as payment method
- Current balance displayed
- If insufficient, option to top up
- Confirm payment with PIN or biometric
- Instant payment processing
Wallet Security
- Transaction PIN required
- Biometric authentication available
- Transaction limits configurable
- Real-time transaction alerts
- 24/7 fraud monitoring
Payment Security Features
How We Protect You
- SSL Encryption: All data encrypted in transit
- PCI DSS Compliance: Industry standard security
- 3D Secure: Additional verification for cards
- Tokenization: Card details never stored directly
- Fraud Detection: AI-powered fraud prevention
Your Security Checklist
- Look for https:// and padlock icon
- Never share OTP with anyone
- Use strong wallet PIN
- Enable transaction notifications
- Review statements regularly
Common Payment Issues
Card Payment Failed
Possible reasons and solutions:
- Insufficient funds: Check account balance
- Wrong card details: Verify all information
- Card not enabled: Contact bank to enable online payments
- Transaction limit exceeded: Check daily/monthly limits
- 3D Secure timeout: Complete OTP quickly
Transfer Not Confirming
- Verify exact amount was sent
- Check account number is correct
- Wait up to 30 minutes
- Contact support with payment proof
Wallet Issues
- Can't fund wallet: Try different payment method
- Balance not updating: Refresh app/page
- Withdrawal delayed: Allow 24 hours for processing
Payment Support
For payment issues, contact our support team immediately with your order number and payment reference. We're available 24/7 to help resolve payment problems.