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How to access a hosting account via SSH
To access your hosting account via SSH, you should:
1. Request that we enable SSH access for your account.
2. Open your SSH client, put your domain name or the IP address of the server into the Host Name field, enter 21098 into the Port field, choose SSH as your connection type and press the Open button:
3. You will receive the Putty Security Alert. Press OK:
4. When prompted, enter your cPanel username and password (when you enter the password, it is automatically hidden for the security purposes).
About ediaro. com
For over 5 years ediaro.com (a member of Fladio International Nigeria Limited) has provided web solutions and advertising for public and private sectors. Our main division is Computer and Information Technology. Thanks to our flexible approach towards the development of new solutions, we have often been at the inception of digital revolution and incorporating the most recent technologies. When you partner with ediaro.com, you are associating with one of Africa's best company for your ICT needs, we are the 1st Nigerian Company listed on the Economic Community for West African States (ECOWAS) ECOBIZ computer session in 2010. Focusing on quality, reliability and design of our products and services has brought us customers and partnership with local and Multinational Companies such as United Bank for Africa Plc (UBA), Interswitch Limited, Stanbic IBTC Bank Plc among others. Our current customer portfolio covers individuals, companies and Government agencies across the globe including Nigeria, India, United Kingdom, Mozambique and United States of America.
8 Best Practices to Promote your Business on Social Media
Almost three-quarters of small-business owners are confident in their social media strategies. Still need help with yours? Try following these 8 tips.
It seems strange to think there was ever a time when social media wasn’t an integral part of growing a small business. While many entrepreneurs still struggle with how to best use social media to engage their audiences and promote their businesses, there are signs that they’re gaining confidence in their social media skills. In 2012, 54 percent of small-business owners, who participated in a survey administered by Constant Contact, reported they needed help with social media. This year, that number dropped to 45 percent. This confidence seems to be translating into success, with 72 percent saying that their marketing efforts across the channels that matter, including social, email, mobile and Web, are working.
Socially savvy entrepreneurs know that it’s all about engaging the right audiences with valuable content. The online community has little tolerance for self-promoters who view social media as a means to free advertising. Given this, small-business owners face a challenge when it comes to striking a balance in using social media to engage and promote.
Promotion and engagement are really two sides of the same coin. Engagement is rooted in consistently sharing insight and providing value every time you connect with a customer. This establishes credibility while building trust and inspiring customers to tell their friends about you. Promotion extends your engagement efforts by presenting a valuable offer that’s based on your customers’ interests and needs. Social media amplifies your efforts so you can be found and engage a wider audience to grow your business.
To put it all together, here are eight best practices for successfully engaging customers and promoting your small business through social media.
1. Enhance the rewards for virtual check-ins.
For a specific period of time, double the points each time a customer checks in on Foursquare and triple the points each time he or she brings a friend. Their friends on social networks will see when they’ve checked in while you expand your reach exponentially.
2. Ask conversation-starter questions.
Most people enjoy sharing their opinions, so ask Facebook fans to weigh in on topics that are relevant to your business and interesting to them. For example, a fitness center may ask fans to vote on their favorite summer sports in order to be entered into a drawing to win private lessons for them and a friend who joins the club. The questions should engage fans and inspire them to refer business while giving the business owner great insight.
3. Share your expertise.
Post little-known, fun facts in the form of questions with a special offer presented to the first person to answer correctly.
4. Create a Pinterest board.
Make sure the board has eye-catching visuals and run a contest through it that will inspire and reward customers for their participation. Be sure to encourage them to re-pin and create their own boards that reflect the initial contest for additional social amplification of your campaign.
5. Follow the one-in-seven rule.
This rule is where only one of every seven posts overtly promotes your business. The remaining six should be focused on sharing valuable content, including posts from the community. This doesn’t mean you can’t promote your business in those other posts; just be sure you pair it with great content.
6. Provide value.
While including fun posts that reflect your personality is a must, it’s important to create content that benefits your followers. That can mean posting tips on best practices, providing access to white papers, or offering special deals on products or services.
7. Avoid syndicated messages.
While you can use tools that allow you to write one message and have it appear on a variety of social media outlets, you risk losing the sincerity behind the message. You can use similar language as you promote your offer on different sites; just be sure to change up the words while reflecting the tone of each network.
If you find that your customers are scattered across a variety of networks, focus your efforts where they’re most active. Not sure? Ask. Otherwise, you may waste a lot of time skimming the surface of multiple networks with little results.
When small-business owners apply these best practices to social media engagement and promotion, we’ll likely see that already impressive 72 percent success statistic continue to rise.
About ediaro. com
For over 5 years ediaro.com (a member of Fladio International Nigeria Limited) has provided web solutions and advertising for public and private sectors. Our main division is Computer and Information Technology. Thanks to our flexible approach towards the development of new solutions, we have often been at the inception of digital revolution and incorporating the most recent technologies. When you partner with ediaro.com, you are associating with one of Africa's best company for your ICT needs, we are the 1st Nigerian Company listed on the Economic Community for West African States (ECOWAS) ECOBIZ computer session in 2010. Focusing on quality, reliability and design of our products and services has brought us customers and partnership with local and Multinational Companies such as United Bank for Africa Plc (UBA), Interswitch Limited, Stanbic IBTC Bank Plc among others. Our current customer portfolio covers individuals, companies and Government agencies across the globe including Nigeria, India, United Kingdom, Mozambique and United States of America.
Reasons to Choose Opencart
10 reasons why OpenCart is a powerful but easy-to-use platform for creating your online store.
1. IT’S EASY FOR DEVELOPMENT.
OpenCart is a system based on the Model View Controller (MVC) pattern. It’s easy to develop extensions or customize OpenCart if you know PHP and MySQL. To make a new extension, create four files: Controller, Model (or use an existing Model), View, and a language file.
See below for an example:
OpenCart file extension example
2. IT’S EASY TO USE.
Similar to other platforms like Shopify and PrestaShop, OpenCart has a very friendly administrative dashboard. All of the menus are very straightforward and user-friendly: Catalog, Sales, Extensions, System.
If you choose OpenCart 2, you’ll also get a mobile-first interface and the ability to use your admin panel on a tablet or smartphone.
OpenCart admin panel view
3. IT’S EASY TO MAKE CHANGES TO YOUR OPENCART STORE.
You should definitely hire someone who knows PHP, MySQL, and HTML with CSS. This is a similar stack to e-commerce platforms like Magento, Bigcommerce and PrestaShop and there are many developers on Upwork who are PHP and can help you with OpenCart customization.
4. IT HAS A LOT OF DOCUMENTATION, FORUMS, AND ARTICLES.
As a famous CMS for e-commerce, OpenCart has well-discussed tools. A lot of information exists on Stackoverflow.com and opencart.com.
As of today, there are a total of 539,304 posts in the forum, with 126,046 topics and over 90,000 members. If you have any issues with your OpenCart site, you can always search for a fix or advice in official forum. Chances are, you’ll find the help you’re looking for.
Recommended OpenCart Freelancers
$50/hr Dmitry Dyakonov
Dmitry Dyakonov
Hybrid Designer & Front-end Developer
$12/hr Md.Mourshadul Islam S.
Md.Mourshadul Islam S.
Front-End Web Developer (HTML5, CSS3, jQuery,)
$45/hr Sergey Shurygin
Sergey Shurygin
Expert Full Stack Web Developer (Laravel, Yii, Angular), PST timezone
$11/hr Saurabh Kumar Sharma
Saurabh Kumar Sharma
Web Developer & Mobile Application Developer
5. There are thousands of extensions and modules.
There’s no reason to develop your own module until you’ve checked the forums and store for existing OpenCart modules. You’ll find modifications, new features, parsers, marketing tools, etc. Prices start from $10 per module, while some are even free. The official OpenCart website sells 1,2325 extensions, modules, and templates:
OpenCart modules
6. IT HAS VIRTUAL FILE STRUCTURES: VQMOD AND OCMOD.
Making changes to the core of the CMS is a bad idea, but sometimes in a custom coding project it’s unavoidable. The reason why it’s tricky is that editing the core will cause it to be impossible to update, or an update will cause some of the important changes to be erased. And you can’t not update!
Why? Because there are a lot of bugs or back doors inside every CMS that are easily fixed by updating the core. To make this easier, OpenCart has adopted a version of vQmod created by Google. It can help you edit files in the core of the CMS… without any changes! Special files store instructions for changes which are carried out inside core (or any other files, like extensions or language files). Original files are not changed; rather, vQmod creates a virtual copy of them and they’re overwritten by the vQmod instructions PHP file. You can read more about vQmod here.
7. IT HAS READY-TO-USE TEMPLATES.
If you don’t have a big budget or even time to develop individual designs for your store, you can 
leverage ready-to-use templates. Many famous online web content stores like Templatemonster.com or themeforest.com sell hundreds of themes for OpenCart.
OpenCart template design example
8. IT’S EASY AND FAST TO MAKE YOUR SITE MULTI-LANGUAGE.
You can translate OpenCart to any language in the world—it doesn’t matter if it’s right-to-left (RTL) or left-to-right (LTR), hieroglyph, or even Galactic Basic Language from Star Wars. OpenCart is a language-neutral CMS thanks to UTF-8. Inside the admin panel folder under “Catalog,” you’ll find “language” folders that store translations. Translation files are just .php files with text variable values.
Here’s a sample file translated into Bulgarian.
// Heading
$_[‘heading_title’] = ‘???????????’;
// Text
$_[‘text_account’] = ‘??????’;
$_[‘text_register’] = ‘???????????’;
$_[‘text_your_details’] = ‘?????? ?????’;
$_[‘text_private’] = ‘?????? ????’;
$_[‘text_company’] = ‘?????’;
$_[‘text_your_details’] = ‘?????? ?????’;
$_[‘text_company_details’] = ‘????? ?? ???????’;
Every store can have an unlimited number of languages!
9. THERE’S ONE MORE “MULTI”: MULTI-STORE MODE.
OpenCart’s multi-store mode is very useful. It makes it easy to manage several online stores even if they have different:
Design
Products
Modules
Customer databases
Languages
You manage all of your stores from one admin panel, similar to Magento’s dashboard that allows you to manage multiple stores from one place. Learn more about multi-store mode.
10. IT’S SEO-FRIENDLY.
Google likes OpenCart. I have helped dozens of OpenCart e-commerce stores boost their rankings in Google. Create an SEO URL from scratch (http://store.com/category/product/) and you can even choose the suffix (like “.html” or “/”).
For your Opencart Website development, contact ediaro.com web design team via info@ediaro.com or call (+234) 080-9502-9999.
About ediaro. com
For over 5 years ediaro.com (a member of Fladio International Nigeria Limited) has provided web solutions and advertising for public and private sectors. Our main division is Computer and Information Technology. Thanks to our flexible approach towards the development of new solutions, we have often been at the inception of digital revolution and incorporating the most recent technologies. When you partner with ediaro.com, you are associating with one of Africa's best company for your ICT needs, we are the 1st Nigerian Company listed on the Economic Community for West African States (ECOWAS) ECOBIZ computer session in 2010. Focusing on quality, reliability and design of our products and services has brought us customers and partnership with local and Multinational Companies such as United Bank for Africa Plc (UBA), Interswitch Limited, Stanbic IBTC Bank Plc among others. Our current customer portfolio covers individuals, companies and Government agencies across the globe including Nigeria, India, United Kingdom, Mozambique and United States of America.
Top 10 Online Payment Processing Platforms in Nigeria 2017
We are pleased to present our annual review of Top 10 Online Payment Processing Platforms in Nigeria 2017. We strive to access Nigerian online card processors that Nigerian merchants can integrate to their website and APPs and receive payments online card payment from potential internet audience of hundreds of millions globally.
One of the major change in the Nigerian Digital payment industry is that most payment processors and aggregators witness internet fraud and chargebacks from international payments so most of them deactivated international payments completely; some introduce Bank Verification Number (BVN) as a registration requirement, while others introduce stiffer control measures before the international payments can be activated or setup for the merchant. Others introduce indemnity form automated, fraud control system among others this caused a lot of issues for genuine merchants, especially those that wants USD displayed at payment page. So as to answer the usual question of how to accept international payment on my website from Nigeria? We wrote an e-book on accepting international payments to meet Nigerian and global needs.
During the period under review, some payment processors dropped from the list and some newly launched jumped up on the list. Processors like 2checkout stopped processing payments for Nigerian merchants others are replaced and new entrants even topped the list.
Many payment processors failed to grow because they failed to perform system study, evaluate their process and innovate. Others have poor customer service. There is need for constant update by existing processors, this should be based on customers’ feedback and periodic industry analysis. New and existing processors, should understand emerging trends in Nigeria payment industry. They can achieve this by seeking professional expertise of Digital Payment consultants who will give them ideas to enable them remain grow faster and remain at the top. Existing processors will also benefit from an independent assessment carried out on their system and recommendations from the experts.
Though by the way, Merchants (ecommerce website owners, companies accepting online payment, Non-governmental organisations receiving donation online) will also benefit from such professional service to avoid the huge chargeback loss they are all complaining about; which they will have been able to fight back with an experienced professional by their side.
There is need for deeper understanding of chargeback patterns, myths, risk and mitigating approaches for Nigerian and international payment processing – this will minimize the recent high inscidence of fraud been experienced.
Many Merchants we contacted also raise the concern about issues they have with One Time Password (OTP) and its negative impact of high shopping cart abandonment rate from customers that doesn’t have an hardware token, receive OTP SMS on their phone or not yet activated the service thereby cancelling the transaction. In fact this ecommerce website like homemade.com.ng we develop post How to pay – where process is explained and OTP request process demystified. In addition to automated custom cart abandonment software installation to minimize loss tendencies.
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 customer 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, unfortunately awareness is low and it’s costing merchants and uninformed web developers a lot of loss.
We hereby present you the Top 10 Online Payment Processing Platforms in Nigeria 2017:
INTERSWITCH WEBPAY
Interswitch Webpay is an internet payment gateway is geared towards facilitating payments online using Interswitch cards (Verve) and other card banks issued by Nigerian Banks (Naira Mastercard and Visa Card).
Interswitch Webpay is customised to show the brand detail at payment page, it gives online realtime access to transaction log and instantly notifies merchant like other processors and aggregators in Nigeria.
For interested customers, once you are setup on Interswitch webpay, you need to integrate it and 
carry out certification. Once this is passed, your Webpay account will be will be moved from Demo/Test Mode to live mode. So customers can pay with their Verve, MasterCard and Visa ATM cards issued by Nigerian Banks.
There are many advantages of using Webpay such as complimentary Nationwide marketing in collaboration with All Nigerian Banks and Verve, partnership with Web developers to facilitate setup process at no extra fees, ease to switch Banks, low transaction fees among others.
On the downside, the setup fee of N150,000 is high for SME. Webpay gateway only support Nigeria naira issued ATM cards only. In addition, just like other non Bank gateways, sometimes, banks do frustrate gateway settlement and reconciliation process that we have to intervene on behalf of clients t.
Fees and Charges
Setup Fee
N150,000 (One Hundred and Fifty Thousand Naira)
Transaction Charges
Local Cards (Naira Interswitch Verve, MasterCard and Visa): 1.5% of transaction amount (subject to a maximum of N2,000)
Interswitch Limited Corporate Information
Interswitch is an Africa-focused integrated digital payments and commerce company that facilitates the electronic circulation of money as well as the exchange of value between individuals and organisations on a timely and consistent basis.
The company started operations in 2002 as a transaction switching and electronic payments processing company Interswitchng new that builds and manages payment infrastructure as well as deliver innovative payment products and transactional services throughout the African continent.
Today, Interswitch is at the forefront of creating intuitive ways to pay and transact using digital technologies. We see the distinction between traditional channels and customer touch points like bank branches, ATMs, POS Terminals, Kiosks, PCs, etc., gradually fading and giving way to a set of digital cloud services that can be assessed anywhere and anytime using mobile devices and wearables and delivering payment experiences like never before.
Our solutions and services are secure. They provide convenience and real value for consumers. They also reduce costs, improve operational efficiency as well as drive sustainable revenue growth for institutions.
Website: www.interswitchgroup.com
PAYSTACK
Paystack is a fast growing Nigerian payment processing company that allows to accept local and international card on their website. The company started with Naira card processing, but recently activated International card processing. Afterwards credit the funds to their Company Naira Bank Account. Paystack prides themselves in reducing the integration time and high transaction processing rate.
Unfortunately, the company at a point deactivated all International card processing for customers 
without any news update via email or SMS Text message to intimate customers about it and its likely effect on their sales. This was very costly to some customers. For instance one of their interviewed merchant we develop website for and integrated Paystack into their website made aggressive publicity abroad and expect huge sales at a specific event, only for customers to try paying him and all their cards are declining. In which case he lost all sales he has been planning for overnight. He was very angry; and accordingly to him he has to engage Paystack in a heated discussion; then they inform him by their new policy he has to inform them before they will activate international card processing, afterwards they activated him, but the havoc has been done already.
Another complains is that customer argue that many of the international cards gets rejected. A case in view is that of a merchant customer try paying him in United States of America (USA), the card was declined, but another card issued in Canada was approved successfully seamlessly. We presume this might be attributed to their fraud prevention system which is filtering many transactions that ought to go through normally, because this affect both local and international payments.
Paystack has one of the sleekest payment gateway interface. The frontend support pop-up (where customers card page pops-up) and inline (where payment box is embedded on the payment page – a feature long awaited in Nigeria payment processing industry/aggregator was introduced by them almost free).
The backend is also not cluttered. By default account setup is very easy with details required. After setup it’s in test mode, then moved to live mode after successful payment gateway integration and certification on your website, mobile app, portal, software etc.
The backend display your transaction, income revenue, success rate, generate invoice among others.
The gateway supports Verve Card, MasterCard and Visa Card. It also support multiple internet banking transfer options – where customers can login and pay with direct bank transfer using OTP/ Token to authorise the payment. Customer currency is changed to Naira at Checkout page (for international orders) and credited to your Naira Bank account which is a general downside many Nigerians are trying to avoid. Unfortunately it’s attributable to the Central Bank of Nigeria Circular on dollarization of Nigerian Economy.
Fees and Charges
Setup Fee
Free Setup (No Setup fee is paid by the Merchant)
Transaction Charges
Local Cards (Naira Interswitch Verve, MasterCard and Visa): 1.5% + 100 with a cap of N2000 (which means you won’t pay more than that for such transactions). (Micro Transactions – N100 fee is waived for transactions less than N2500)
International Cards: 3.9% + N100 (International cards are charged the Naira equivalent is settled directly).
Website: www.paystack.com
GTBANK GTPay
ediaro Review
GTBank GTPay is an integrated payment gateway powered by Guaranty Trust Bank Plc (GTBank). The gateway allows the Banks corporate merchant to accept card payments from customers card with (Verve, MasterCard and Visa card), Bank Transfer (GTBank to GTBank account Transfer) and USSD Code (*737#).
GTBank GTPay promised unique features such as International Acceptance: GTPAY accepts both locally and internationally issued cards including Interswitch, MasterCard and VISA. Timely transaction processing: Merchants get value next day after transaction takes place. GTPAY monitoring log: GTPAY comes with a unique, online monitoring console that allows merchants view transactions as they occur. Reduced sign-on fee: GTBank is a certified developer partner so we take on GTPAY integration for our merchants and as such the integration fee is waived for them.
GTPay recently has a couple of issues with which ranges from customer support, slow response 
rate, settlement delay issues, deactivation of international payment for customers without notifying them, new customer integration and certification issues (change of Test URL, Introduction of additional form requirements among others).
Web designers and programmers handling any GTPay integration should understand the coding properly and be patient with the process because they have additional requirements to be delivered that other Banks and payment processors in Nigeria don’t need otherwise engage a Digital Payment integration specialist to handle the process and ensure swift go live on your website/mobile app and portals, so that the passage of multiple certification and faster go live from test to live mode. Alternatively, buy a ready-made plugin or custom plugin for your website.
Fees and Charges
Setup Fee
N75,000 (Seventy Five Thousand Naira)
Transaction Charges
Local Cards (Naira Interswitch Verve, MasterCard and Visa): 1.5% of transaction amount (subject to a maximum of N2,000)
International Cards: 3% of transaction amount; no cap.
International Gateway Monthly Charge: N5,000
About GTPay
GTPay is a secure internet payment gateway developed to facilitate payments online using debit Cards issued by banks on the Interswitch Network. GTPay plugs in seamlessly with the existing websites of customers and acts as a bridge between the customer’s website and financial institutions (Banks). The payment solution,
Provides a convenient alternative payment channel to all customers
Enables cardholders to pay merchants (our customers) for internet purchases of goods and services from the comfort of their offices/homes by supplying details of their local debit/credit cards
Ensures transaction amount is deducted from cards instantly and merchant’s account credited within 24 hours
Tracking your transactions record is easy as the GTPAY is deployed with an online monitoring console which allows you view transactions as they occur real-time, as well as generate reports on all transactions done on the website.
Features
- International Acceptance: GTPAY accepts both locally and internationally issued cards including Interswitch, MasterCard and VISA.
- Timely transaction processing: Merchants get value next day after transaction takes place.
- GTPAY monitoring log: GTPAY comes with a unique, online monitoring console that allows merchants view transactions as they occur.
- Reduced sign-on fee: GTBank is a certified developer partner so we take on GTPAY integration for our merchants and as such the integration fee is waived for them.
Benefits
- Convenient means of payment
- Acceptance of both local and international cards
- Global reach for merchants
- Increased sales
- Promotes cashless transactions
- Instant value for successful transactions
Website
www.gtbank.com
VOGUEPAY
Voguepay is a Nigerian payment processor that accept local and international card processing. The gateway supports sending and processing international payments. Customers can set auto-withdraw to account on their platform, unlike some other payment aggregators.
The company that is in its 5th year of operation have free plugin, purchase links, buy now buttons 
donation button, integration API among other features.
On 15 January 2017, Voguepay announced review of new transaction and withdrawal fees with effect from 17 January 2017.
About Voguepay
VoguePay was created with a big vision: to make online, cross-currency payments and transactions safer, cheaper and more accessible for businesses, traders and consumers in Africa and internationally. Tens of thousands of clients later, Voguepay’s comprehensive (and/or integrated) solutions and services are helping businesses to grow – and individuals to prosper – by removing the barriers and the complications to local and international trade. We are the payment bridge between Africa and the rest of the world.
Fees and Charges
Setup Fee
N1500 (with Corporate Affairs Commission Certificate) and N2500 (with Government issued Identity cards)
Transaction Charges
Local Cards (Naira Interswitch Verve, MasterCard and Visa): 2.5%
International Cards: 4.5% (No Gateway Fees Applicable)
Withdraw Funds – 1% + 120 Naira
Website
www.voguepay.com
Simplepay
Simplepay payment gateway support processing Nigerian and International cards (Verve, MasterCard and Visa). Activating International cards is subject to running the account for 2 months and processing at least 20 successfully local transactions. All payments are displayed to customers in Naira and settlement is to the customer Naira or Domiciliary Bank account in Nigeria.
Customer can’t auto-withdraw to their bank account; they have to “Request Transfer” to access their fund.
The registration process has a downside that lets many customers evade; which is they request for Bank Verification Number (BVN) at registration or first withdrawal. This is a big limitation as they are not a Bank and customers are warned to be wary of sharing BVN with any third party aside a Bank because of attendant risk.
The account is usually in Demo/Test Mode before been tested and once satisfactory will be moved to live mode. The company has pre-developed plugins for popular shopping carts and API code for custom integration.
The company migrated to new simplepay.ng , got PCI DSS certification and according to their CEO is a drive towards repositioning the company for Global market optimally.
About Simplepay
Simplepay help Nigerians receive payments online the simple way. Since 2013, SimplePay allows any business or consumer with an e-mail address and a bank account to securely, conveniently and cost-effectively receive Verve, MasterCard and Visa card payments online. Our network provides a global, real-time merchant transaction processing solution. SimplePay for merchants is ideally suited for small businesses, online merchants, individuals, and others currently under served by traditional payment systems.
Fees and Charges
Setup Fee
Transaction Charges
Local Cards (Naira Interswitch Verve, Mastercard and Visa): 1.90% + N10
International Cards: 4.00% + N10
Website
www.simplepay.ng
UBA UCollect
ediaro Review
UBA UCollect is the web card payment processing gateway of United Bank for Africa Plc (UBA). 
The gateway is free for customers that has a corporate account. The gateway support multiple card variants such as Mastercard and Visa. When we tried Verve card during review, it shows the message “merchant can’t receive pay with this card scheme. Hence Verve card didn’t work” at the time of testing.
UBA UCollect is available in 19 African countries including Nigeria and promised to support multiple currencies such as Naira, GBP, Dollar and Euro. Unfortunately the Bank deactivated international payment for most customers in the past and customers complain they don’t activate international card acceptance for them.
UBA customer service response rate is not impressive, integration issues linger among others. The gateway require SSL on the merchant website with a specific rating standard before been authorised as satisfactory before account setup can be authorised and approved, since customers don’t enter card and very sensitive detail on the UBA Merchant website and current IT environment, this is an extra re-occurring expense to SMEs with very slim budgets, but wants to get online to sell.
About UBA UCollect
U-Collect is a Consolidated Internet Payment Gateway Solution which integrates multiple payment solutions available in Nigeria – VISA, Verve, MasterCard and e-Tranzact.
Doing online business or e-commerce in the African market is plagued with so many risks to both merchants and consumers due to the sudden large amount of scams, identity theft, and fraudsters. U-Collect is a solution which allows merchants to accept card payments from customers who desire to do online purchases using their various cards. It is a gateway that connects merchants, cardholders, and financial institutions, offering the assurance of secure transactions and timely payments.
Features
- Simplified integration processes
- Possible integration with corporate core business application if required.
- Possible instant email/SMS notification (on phones of authorized personnel).
- Supports multi-currency: dollar, Pounds, Naira, Euro, etc
- Real-time comprehensive, searchable and downloadable reports accessible by authorised personnel as specified by Corporate.
Benefits
- Simplified integration processes
- 24/7 support through our Customer Interaction center
- A robust and scalable collection platform
- Audit trail for transactions on the platform
- Allows globally accepted means of payment – VISA and MasterCard
- Secure means of collection
- Reduced Collection Cost
Fees and Charges
Setup Fee
Free Setup (No Setup fee is paid by the Merchant)
Transaction Charges
Local Cards (Naira Interswitch Verve, MasterCard and Visa): 1.5% of transaction amount (subject to a maximum of N2,000)
International Cards: 3% of transaction amount; no cap.
International Gateway Monthly Charge – N5,000
ZENITH Globalpay
ediaro Review
Zenith Globalpay is the official online card processing platform of Zenith Bank Plc that enables merchants to receive Verve, MasterCard and Visa card payments on their website then settle the funds to their Zenith Bank account. Like other payment processors and aggregators on the list, Globalpay provides online real time transaction log for monitoring transactions as they occur, accept Verve, MasterCard and Visa cards and offer real-time online processing of transactions that is instant debit of cardholders account immediately payment is made.
PCI Compliance is another feature with Zenith Globalpay other Nigerian Bank Gateways, 
Simplepay among others. PCI Compliance gives the highest level of data protection in the industry till date.
When setup on Zenith Globalpay, account the API will be given to the merchant who will forward to their website developer or independent digital payment integrator to connect their website to the bank payment gateway. Afterwards, certification will be conducted to ensure compliance with required standard before the merchant account will be moved from the Demo Test Phase to Live mode where merchant can accept payments online real-time.
Just like other payment gateways in Nigeria, approval for International card payment processing is usually stricter recently with justification required as to why the merchant want to activate it. This is intended to minimize risk of chargeback tendencies.
During a custom integration of Zenith Globalpay on a Non-Governmental Organisation donation website recently, the response time to issues was long, test url was changed during the process which cause another issue and integration that ought to take days got extended for no reason.
About Zenith Globalpay
GlobalPAY is a web-based solution that enables corporate bodies with or without functional websites accept card payments from customers worldwide. It is suitable for Corporate organization, business segment that offers goods or services. It accepts MasterCard (local & International), Visa (local & international), Interswitch Verve cards.
GlobalPAY ensure that your business can accept payments conveniently on your website from customers all over the world. Both the integrated payment gateway and the Storefront accept MasterCard, Visa and Verve cards. With GlobalPAY, your website will also have the functionality of accepting and monitoring mobile payments made via mobile phone. An online log is available to view all transactions as they occur on your website.
Where there is no systemic failure, all local transactions are settled of into merchant’s account one working day after transaction date and two working days after transaction date for foreign transactions. However, whenever there is a systemic failure, merchants are promptly advised of their settlement delay through their account/relationship officers.
Features/Benefits of GlobalPAY includes:
- Acceptance of locally and internationally issued cards: MasterCard, Visa and Verve Cards.
- Online real-time log for monitoring transactions as they occur.
- Real-time online processing of transactions i.e. instant debit of cardholder’s account immediately payment is made.
- Multiple card acceptances with single integration. Provides a global reach for your business.
- Reduces administrative overhead.
- Multi-currency processing
- Refund Capability/Automated Refund Processing
- Fully Redundant Processing
- PCI Compliance ensures highest levels of data protection
- Online Authorization Voiding
- Supports MasterCard Securecode and Verified By Visa
- Settlement can be done both in Naira and Dollars
- Provides a global reach for your business
Fees and Charges
Setup Fee
N75,000 (Seventy Five Thousand Naira)
Transaction Charges
Local Cards (Naira Interswitch Verve, Mastercard and Visa): 1.5% of transaction amount (subject to a maximum of N2,000)
International Cards: 3.5% of transaction amount; no cap
International Gateway Monthly Charge: N5,000 (Access Fee)
Foreign Settlement Charge: $50 (per settlement)
STANBIC IBTC (CIPG and MIGS)
ediaro Review
Stanbic IBTC is the online payment processing gateway powered by Stanbic IBTC Bank Plc. The gateway support multiple variants such as Verve, MasterCard and Visa with a single integration.
Sequel to now, the Bank limit international card acceptance activation to four sectors, but now it’s possible to get activated for broader sectors provided you have requisite standard requirements.
The gateway supports local and international card payment processing. Though there is a condition of Indemnity form to be filled before and checks before international cards can be activated.
The gateway has an affordable setup fee and provide relevant developer API for programmers to integrate to their website, portal, mobile APPs and custom solutions.
Stanbic IBTC has two products majorly MIGS and CIPG. CIPG (Consolidated Internet Payment Gateway) is a secure payment gateway powered by Interswitch that facilitates collections via a merchant website. CIPG support merchants receiving payments via multiple card variance cards; including MasterCard, Visa, Verve, and Etransact. It also allows receipt of payment via direct bank transfers with the use of CentralPay which rides on NIBBS instant payment platform.
MIGS (MasterCard Internet Gateway Service) is the premium version of the CIPG. MIGS enables Merchants to process local and international cards using the MasterCard platform. As a premium service, It offers segregation of local and international transactions which makes processing easier, support selective profiling per risk level for merchants.
Fees and Charges
Setup Fee
CIPG: N50,000 (Fifty Thousand Naira)
MIGS: N250,000 (Two Hundred and Fifty Thousand Naira)
Transaction Charges
Local Cards (Naira Interswitch Verve, MasterCard and Visa): 1.5% of transaction amount (subject to a maximum of N2,000)
International Cards: 4% of transaction amount; no cap.
International Gateway Monthly Charge (MIGS only): N5,000
Stanbic IBTC Bank Plc Corporate Information
Stanbic IBTC is a leading provider of integrated financial services, pensions and wealth management products and services.
Our personal and business banking solutions let you spend more time living and less time banking. Our people and technology will help you move forward.
We offer all our clients a wide range of personal and commercial banking products through over 180 branches spread across every state in Nigeria and our online banking platforms.
We offer current, savings, and domiciliary accounts; personal loans, car loans and asset financing; MasterCard debit cards, Visa credit cards; home loans; internet banking; accounts for SMEs and the award-winning *909# MobileMoney.
We cater for individuals and businesses through carefully designed retail and business banking products. We also offer self-service channels powered by sophisticated technology to bring convenient banking to customers.
Our clients can also get custodial services through Stanbic Nominees Nigeria Limited, our custody arm and non-pension asset custodian, acting in a nominee capacity for clients’ transactions in securities and other investments.
We are a key player in financial inclusion and are poised to take banking to the doorsteps of our customers; taking care of the banking needs of different categories of persons and businesses.
Stanbic IBTC Bank is a Member of The Standard Bank Group, Africa’s largest banking group by assets and market capitalization, has been in operation for 153 years and has direct, on-the-ground representation in 20 African countries. Stanbic IBTC Holdings Plc is a full service financial services group with a clear focus on three main business pillars – Corporate and Investment Banking, Personal and Business Banking and Wealth Management.
Website: www.stanbicibtcbank.com
Remita
ediaro Review
Remita is payment aggregator that enable merchants to accept card (Verve, MasterCard and Visa) payments on their website and APP. The gateway support local and international card processing. Setup is free and can go live within 48 hours.
Remita is adopted as the Central Bank of Nigeria’s default payment gateway for the execution of the 
Federal Government’s much celebrated Treasury Single Account (TSA) initiative – the largest and most impactful of its kind in Africa, Remita has helped the Nigerian government to entrench ease, transparency and accountability in its finance management.
About Remita
Remita is a comprehensive payment solution for anyone and everyone in Africa.
Whether you intend to use Remita for personal or business purposes, this multi-device platform lets you view all your bank balances – from different banks – on a single screen, easily transfer money to one or more beneficiaries, pay bills, view detailed transaction reports on-the-go, and much more.
Remita also allows businesses to conveniently receive payments from customers in a faster manner, through nine different channels, including the Remita Mobile App and Website, Internet Banking, Point of Sales (POS) Terminals, Debit/Credit Cards, Merchant’s Website, Bank Branches, Mobile Wallets and Standing Order/Direct Debit.
Fast emerging as Africa’s preferred payment platform, Remita is chosen by millions of people and thousands of organisations. It is the default payment gateway that facilitates the Federal Government of Nigeria’s Treasury Single Account (TSA), the largest and most impactful of its kind in Africa.
With Remita, payment transactions are seamless as customers can pay individuals and businesses through a wide range of channels, such as the business’ website, internet banking, mobile wallet, www.remita.net, POS terminals, credit/debit cards, accredited agents, commercial and microfinance bank branches in Nigeria.
Developed fully in Nigeria by SystemSpecs, Remita powers businesses across Nigeria and is integrated with local and international payment gateways. Remita is trusted by major multinationals and conglomerates and allows access to exceptional Real-Time Transaction Tracking and Reporting across multiple platforms, as well as making it easy for customers to set up Direct Debit or Standing Order mandates on their accounts in any bank in Nigeria.
Fees and Charges
Setup Fee
Free Setup (No Setup fee is paid by the Merchant)
Transaction Charges
Local Cards (Naira Interswitch Verve, Mastercard and Visa): 1.5% of transaction value. Minimum of N100 and subject to a maximum of N2,500)
WEMA WEBPAY
ediaro Review
Wema Webpay is an online payment processing powered by Wema Bank Plc. The gateway enables merchants to accept payments for goods and services on their website using Verve, Mastercard and Visa. It support Local and International card payment processing.
Wema Webpay is an aggregated gateway that gives direct access to merchants to accept payments from all over the world and get the fund to their Naira Corporate Bank account. The gateway gives SMEs and large conglomerate opportunity to design a website and get their customers to self-service themselves and make payment remotely and get funds into their bank account in an auto pilot way. The Bank has partnered with web developers to handle web development on their behalf.
Wema Webpay gives an online monitoring console to monitor all transactions real-time from any location – on PC, Table or mobile phone.
About Wema Webpay
We are glad to introduce to you our aggregated online payment solution that accepts both local and international cards for payment of goods and services called Wema WebPay.
It is a payment engine integrated into merchants’ website to receive payments from cardholders (MasterCard, Visa, Verve e.t.c) paying with their cards online for goods and services after which the merchant receives value in his account when payment is made.
It is an online processing platform that enables businesses with or without functional websites accepts card payments from customers globally.
It ensures that your business can accept payments conveniently on its website from customers all over the world. With Wema WebPay, your website will also have the functionality of monitoring and viewing consolidated reports of transactions irrespective of channels.
How does this work for a merchant?
Merchant signs payment integration forms for Wema WebPay
APIs will be exchanged between Wema Bank and customer’s web developer as part of the integration process
Following completion of integration and successful testing of the payment engine on the website, payments by customer can commence.
Merchant is provided with a reporting console to view transactions as they occur online real-time.
Merchant’s account is credited for payments made on her website
How does this work for a cardholder?
- Customer visits Merchant’s website and adds desired items to the shopping cart.
- Customer selects card type or Internet Bank to pay with.
- Shopping cart links to payment interface for the selected card type.
- Customer securely keys in card information with other required security details
- Once payment is successful, an online receipt is displayed on-screen and can be printed by the Customer.
Wema Bank Corporate Information
Established in 1945, we are Nigeria’s longest surviving indigenous bank.
Wema Bank offers a range of retail and SME banking, corporate banking, treasury, trade services and financial advisory to its ever-expanding clients. In 2009, the Bank underwent a strategic repositioning exercise which culminated in a decision to operate as a commercial Bank with regional authorisation in South-South Nigeria, South-West Nigeria, Lagos and Abuja in 2011. However, in 2015, the bank was granted a national banking licence by the Central Bank of Nigeria.
Wema Bank offers a range of retail and SME banking, corporate banking, treasury, trade services and financial advisory services to its numerous customers. The Bank operates a network of over 140 branches and service stations across Nigeria, backed by a robust ICT platform.
Fees and Charges
Setup Fee
Free Setup (No Setup fee is paid by the Merchant)
Transaction Charges
Local Cards (Naira Interswitch Verve, MasterCard and Visa): 1.5% of transaction amount (subject to a maximum of N2,000)
Website: www.wemabank.com
About ediaro. com
For over 5 years ediaro.com (a member of Fladio International Nigeria Limited) has provided web solutions and advertising for public and private sectors. Our main division is Computer and Information Technology. Thanks to our flexible approach towards the development of new solutions, we have often been at the inception of digital revolution and incorporating the most recent technologies. When you partner with ediaro.com, you are associating with one of Africa's best company for your ICT needs, we are the 1st Nigerian Company listed on the Economic Community for West African States (ECOWAS) ECOBIZ computer session in 2010. Focusing on quality, reliability and design of our products and services has brought us customers and partnership with local and Multinational Companies such as United Bank for Africa Plc (UBA), Interswitch Limited, Stanbic IBTC Bank Plc among others. Our current customer portfolio covers individuals, companies and Government agencies across the globe including Nigeria, India, United Kingdom, Mozambique and United States of America.
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