Frequently Asked Questions

Tap "Create account" on the home page or any service page. You'll need a valid email and phone number. After signup, click the verification link we send to your email — that activates the account so you can fund the wallet and place orders.

No. Account creation is completely free. You only pay for the services you order, at the price shown on the buy page. There are no monthly fees, no withdrawal fees and no inactivity fees.

Yes. After signing up, the first thing you should do is set a 4-digit transaction PIN at /user/security. Every purchase requires the PIN, so even if someone gets into your account they can't spend the wallet without it. Your default PIN is set during signup; please change it on first login.

After signing in, go to your Wallet page and choose Fund. You can pay by debit card, bank transfer, USSD, or — once you're verified — to your auto-assigned virtual account number. Funds usually reflect within seconds.

During our v1 launch the payment gateway is still being finalised. If you can't see a fund button or get an error, contact support — we can credit your wallet manually after a verified transfer.

Single deposits are capped at ₦500,000 per transaction. There is no daily limit on the total amount you can fund.

Payment gateway issues are rare but happen. If a deposit doesn't reflect within 30 minutes, send us the bank reference / receipt on WhatsApp and we'll reconcile it manually within an hour.

For mainstream products (data, airtime, cable, electricity, exam pins) — yes. We source directly from our upstream provider, so our buy price is among the lowest in Nigeria. If you find a cheaper legitimate price elsewhere, send us a screenshot — we'll match it.

Our upstream provider doesn't carry every single plan or every single disco. When that happens we hide the plan instead of letting you click a "buy" button that would always fail. We re-check availability nightly and restore plans the moment they come back.

Yes. They follow our upstream provider's wholesale rate. The price you see at checkout is the price you pay — we never apply a hidden surcharge after you click Buy.

Most VTU orders (data, airtime, cable, electricity, exam pins) finish in under 5 seconds. Social Boost orders queue and start within minutes; full delivery time depends on the tier you chose (Lite is fastest, Pro is slower but with refill).

Your wallet is automatically refunded — usually within 60 seconds. If you don't see a refund within 24 hours, send us the order reference on WhatsApp and we'll force-refund and investigate.

A reconciler runs every 2 minutes and finalises stuck orders automatically. If an order has been processing for more than 24 hours, we cancel it and refund it. You don't need to chase us, but you can if you'd prefer the human reassurance.

No. Once the network or upstream confirms delivery, the data / airtime / pin / token has reached the recipient and the order is final. Always double-check the recipient phone number / smartcard / meter number before tapping Buy.

We can't reverse it — the network has already credited the destination line. Some networks let you call their customer-care line to dispute it, but we have no special channel beyond what any customer can do. The lesson: always verify the recipient.

Verification confirms the smartcard or meter number is valid AND tells us the customer name on the account so you can sanity-check before paying. It also pulls the live plan list directly from our upstream — so the bouquets shown are exactly the ones available for your card.

Two of Nigeria's 11 discos (Benin Electric / BEDC and Yola Electric / YEDC) are not currently offered by our upstream. They're hidden from the buy form so you don't pay for an order we can't fulfil. If you need BEDC or YEDC, contact us — we're looking at adding a second upstream for those discos.

Depends on the tier you choose. Saver Lite is the cheapest, fastest "numbers boost" — accounts may be low-quality. Saver, Saver Pro and Naija Saver are real-looking accounts with refill windows up to 365 days. Every tier is described in plain English on the buy page.

Yes. We never ask for your password — only your public profile or post URL. The upstream connects to that public link, the way any other follower would, and adds engagement. There is no risk to your account credentials because we don't hold them.

On refill-supported tiers (Saver / Pro / Naija) you can request a refill from your order page within the refill window listed on that saver. Lite and Express have no refill — pick those only when you need a one-shot boost.

Per industry policy, partial deliveries are NOT auto-refunded — you accept that risk when you place the order. The refill option is your safety net for refill-supported tiers.

Share your code or link from /user/referrals. When someone signs up using it and makes their first qualifying order, you earn a one-time bonus. After that, you earn a percentage commission on every successful order they make, forever. All earnings drop straight into your wallet.

Three usual reasons: (1) the referred user hasn't had a successful order yet — referrals only credit on success, never on signup alone; (2) our anti-fraud detected the referrer and the referred user share an IP / user-agent / device, which is auto-blocked; (3) the referrer's account is suspended. The Referrals dashboard shows blocked entries with a reason.

Click "Forgot password" on the sign-in page. We email a reset link valid for 60 minutes.

PINs are one-way hashed — we cannot retrieve your old one. Contact support and we'll verify your identity (using the email and phone on file) and reset it for you.

Email yes, via /user/profile (we re-send a verification link to the new address). Phone changes require contacting support so we can run a quick anti-fraud check.

Email support@naijatopup.ng from the address on file. We refund any unused wallet balance to the same bank account that funded it (subject to ID verification for amounts above ₦20,000) and archive the account within 7 working days.

WhatsApp is fastest — most messages get a reply in under 5 minutes during business hours. We also monitor email and phone 24/7. Find all three channels on the Contact page.