Mobile Payment: The central bank of Nigeria (CBN) had license about 16 organizations to operate mobile payment service for over 70 millions GSM subscribers in Nigeria. And our company is one of the authorize aggregator to one of the leading and giant mobile payment service provider in Nigeria (U-Mo). The service used in providing financial services to unbanked, under-banked and bank customers (irrespective of their primary banks), without opening formal bank accounts. This is a system where you make payment exclusively with your hand set. This service enables people to save money to be able to make payments at their own convenience time and anywhere. With the mobile payment, you can pay for your hotel room, send money to family and friend, buy airtime for self or others and pay utilities bill i;e electricity, hity, dstc etc. For all your purchases and transactions

Online payment: This is a system where the customer makes finance transaction using computer system or mobile device with internet facility to transfer money or make purchase of goods and transaction of services. The subscriber of this product make use of email address to make all it transaction online. It is secure and protected through password and pin code. In most cases, online business failed because of payment collection. Until the money exchange hands, the business isn’t done. How do you collect the money of goods and services operated online, this had make it difficult to online merchant that have people who wish to buy but cannot deal because they don’t know how to collect money. Question, why did a merchant go through the whole process of creating a business and marketing it to attract customers

Retails products

• Email individual account:
  This type of account design for internet user, it enable customer to make financial transaction via computer device with internet. The customer can make and receive fund as well as payment for goods and services worldwide through our payment gateway. The customer make use of it email address for process of transaction.
  
  
• Mobile individual account:
  The mobile individual account allowed customer to carryout financial transaction such as transfer of fund, payment of goods and service, as well as receive of payment from the client. The system allowed customer to use their mobile device for the transaction with or without internet access.
  
  
• Agent account:
  Our Company is interested in establishing a mutually benefiting partnership with interested members of the public who are business creative, entrepreneur and ready to start service center nationwide as member partners. And since over 200,000 agents are needed nationwide to provide mobile payment for about 86% of Nigerians who do not have bank account. But there about 86 million GSM subscribers; that is, 66 million Nigerians need to be transferring cash and spending money. In this case, we projected to create 5000 agents nationwide to operate as M-Paying service center. One great thing about the  service agent is that our customers are given two type of services for one, once a customer register under our platform, it’s operate both online payment and GSM mobile payment. And also the agent earns commission from the both side of services. Also the agent will be given a DISCOUNT CODE for online payment and any customer make use of the agent discount code will have discount on the transaction and the agent will also earn 25% from the commission derived from the customer transaction. Also the agent detail will be posted on our website that will generate traffic for the agent which our company will advertise on punch and guardian newspaper as well as Facebook and Google adword every week
  
  
• Merchant account:
  the merchant account is design for customers that sell their products or services online. It is highly expensive to run online shopping cart and this is reason why a lot of merchant fail to operate online shopping. Even carryout a research on multinational company in Nigeria, hardly you get any of the company that have online shopping service and even those that have do not have online payment gateway which make it difficult for customer to buy their product online. But with our merchant account, merchant can now generate price button and insert on their website, then customer who is willing to purchase their products can click the price button to make payment online and those without website can use our online marketplace to promote their products and services. The major electronics payment gateway such as VISA, MASTERCARD, VERVE, PAYPAL, CHECKOUT AND GOOGLE available on our website for online payment. It is observe that 70% of sales in develop countries was generated from online sales i:e HP, DELL, SAMSUNG, NOKIA, EBAY, AMAXON etc.
  
  
• Master account:
  our master account gives employer the unique opportunity to work easily with the sub-accounts of their clients, members, affiliates, or employees and fund a debit or virtual credit card in just a few clicks. With the new policy on electronic payment, Central Bank of Nigeria (CBN) has issued 12 month deadline on limit of daily cash withdrawal and lodgments by individual at N150,000 and N1million by corporate organization. The policy, which will kick off June 2012, adopted to reduce the high usage of cash, moderate the cost of cash management and encourage the use of other electronics payment channel and also, some universal banks are now increasing their minimum account balance from N1000 to between N20,000 – N50,000 which make it difficult for lower income customers to operate either saving or other bank account. So therefore, the master account will make it easy for the employer to generate payment ATMCARD for each of its employee or affiliate members for payment of salaries or commission. Online money transfer is a great option for employees or clients who do not have bank accounts or who are located internationally.
  
  
• Examination forms:
  as part of our creative to provide online private need for our customer, we have develop sales of examination forms online, this is first time that this type of service will operate in Nigeria. Over 1.5m candidate enroll for jamb examination last year and 650,000 sat for both waec and neco private examination. The purchase of the examination form from the agent or accredited sales point and operation time frame make it difficult for candidates that are in rural area to buy the form. But with our modern technology, the candidate can now buy the form online even from their mobile phone connected with internet. The registration form pin and serial number will display on the screen and forward to the buyer email as well as sms message after successfully payment online. All major examination forms are sold on our platform as well as result checker card.
  
  
• Recharge airtime
  Over 86 million Nigerian use GSM and CDMA phone, our customer can purchase their phone airtime online at the comfort of their home or office. Also Nigeria in diaspora can send airtime to their family and friend in Nigeria. The business center can also purchase the bulk gsm voucher online with their customize business name.
  
  
• SMS Integration
  Bulk sms available for individual and corporate organization at affordable rate
  
  
• Utilities Bill
  Our customer can also make payment for their utilities bill like phone bill, phcn, water, dstv, hitv, startimes etc.