Frequently Asked Questions

Find quick answers to common questions about setting up accounts, funding wallets, bill payments, and troubleshooting transactions.

Getting Started with Hovapay

Hovapay is a highly reliable and secure platform that allows you to make payment for your day-to-day services conveniently, like Phone Airtime, Data, Bulk SMS, TV Subscription (DStv, GOtv, StarTimes), Electricity (PHEDC, EEDC, BEDC, AEDC, IKEDC, IBEDC, EKEDC, JEDC, KEDC, KAEDCO), Motor Insurance, WAEC registration and result checker pins with ease.

Signing up is quick, navigating is easy, and you can get started now by creating an account using just your email and phone number or by just making payment for a service. Click here to Sign up.

Registration is optional. All you need is your email address, phone number and a valid debit card to make payment.

Hovapay works perfectly on every device. You can access the Hovapay website through your computers, smart phones, and tablets by logging on to hovapay.ng.

For Android users who want to download the Hovapay mobile app, visit the Google Play Store to download the app or search for Hovapay.

For iOS users who want to download the Hovapay mobile app, visit the App Store to download the app.

My Account and Password

Creating an account takes only a few minutes. Here you go:

Visit hovapay.ng
Click on Register at the top of the webpage.
Enter your email address, phone number, and a password you can easily remember, then click Sign Up.
Your account is created immediately and you can begin transacting.

To reset your password, simply:

Enter your registered email address or phone number, then click on Forgot Password.
A new password will be sent to you via mail or SMS. Follow the instructions in the password reset mail or SMS to successfully log in.
We advise you change the password to one you can easily remember after you login.

● Click on "Login" at the top of the webpage.

● Enter your registered email address or phone number, then click on "Sign In".

Fund / Credit Wallet

Wallets help hold cash and are handy when you need urgent cash to make quick and easy payments. In the same way, your Hovapay wallet helps you pay for services on Hovapay swiftly.

In other words, you can buy airtime and data, pay TV subscriptions, electricity bills, purchase insurance covers, and pay education bills at the click of a button, right from your Hovapay wallet. What this means is you no longer need to withdraw from the bank or enter card details every time you pay.

To fund/credit your wallet, simply follow these easy steps:

Log in with your registered email and password.
Click "Fund Wallet" as it appears on the dashboard.
Enter the amount you want to credit into your wallet.
Proceed to payment and choose your desired payment option.
Make payment and your wallet is credited immediately.

Note: You need to have a registered account before you can fund/credit your wallet.

Payments and Bills

You can make payments using either Debit Card, USSD, Bank Transfer, Visa QR, or Wallet payment (Wallet payment is available for registered users only).

Follow these easy steps:

Visit hovapay.ng.
Under the main form, select the category of bill you would like to make payment for.
Select the exact service you intend purchasing, enter the required information, and click "Continue".
On the confirmation page, select your payment method (debit card, bank transfer, ussd, visa qr, or wallet).
For card payment: Provide your card number, expiry date, and CVV. Enter the OTP code sent by your bank to authorize the payment.
For bank transfer: Transfer the exact cash into the account details displayed on screen.
For USSD: Copy out the USSD code generated on screen and dial it on your phone.
For Visa QR: Scan the QR code generated in your mobile banking app.
Once payment is validated, your service is delivered instantly.

Please contact our 24-hour support team by sending a mail to support@hovapay.ng immediately with your transaction details.

Usually, you will receive an automatic reversal of the payment from your bank within 24 hours if the transaction fails to process.

You can pay with your Mastercard, Visa card, and Verve card.

Kindly take these measures:

Ensure your debit card has been activated by your bank for online/web transactions.
Ensure you have entered the correct OTP code sent by your bank within its duration before it expires.
Ensure you have entered the correct card PIN and card details.
Try using a different browser (Chrome is recommended) or another device.

Alternatively, you can pay using bank transfer or USSD, or log in to fund your Hovapay wallet by bank transfer and make the payment from your wallet.

No, Hovapay offers zero service fees across all utility bill transactions. You only pay for the exact value of the airtime, data, TV subscription, electricity token, or education PIN you purchase.

FAQs on Meter Loading

This could arise as a result of one of the following reasons:

Newly installed meter: The cost for the initial free units given is paid by the customer as debt on the first recharge.
Transfer of previous debt: If you migrated from estimated billing (Postpaid) to Prepaid, the legacy debt is transferred to your new prepaid meter account.
Penalties: The debt is a penalty for bypass or illegal connection discovered by the distribution company.

We advise you visit or call your electricity distribution company for clarification regarding specific meter debt.

No, it cannot. Electricity tokens are generated and encrypted using the specific meter number entered during purchase. This means a token will only work on the meter it was generated for, and transfers are impossible.

This could be due to:

Pending arrears/debts on your meter, which are automatically deducted from the recharge value.
Tariff plan adjustments determined by your electricity distribution company.

● A token can only be loaded once on the specific meter it was generated for. The "Used" response indicates it has already been registered on the meter.

● Ensure there is power supply in your area and that your meter has not entered a tamper state or lost a phase. If issues persist, contact your local distribution company.

This could happen as a result of:

Network communication issues between your meter and the utility distribution company. Hold for a while and try again later.
The purchase was generated for a different meter number. Confirm the correctness of the meter number.
The meter has not yet been activated (requires activation code from distribution company).
A change in your tariff index. Visit or call your electric distribution company to resolve this.

An electricity token, once generated, typically expires within a period of 90 days (3 months) if not loaded.

It is possible there is a typo in the meter number. You can verify your exact meter number on the physical meter display:

Input 65 on your keypad and press the enter/red/sky-blue button depending on your meter type.
MOJEC meters (starting with 541/0215): Press 804
CONLOG meters (starting with 041/042): Press #4#
Turbo Energy (L&G) meters (starting with 070, 071, 072): Press i025 for single-phase.

FAQs on TV Subscription

Your IUC/smartcard number is a unique series of numbers assigned to your decoder. For GOtv subscribers, it is found on the red sticker underneath the decoder. For DStv or StarTimes subscribers, pull out the smartcard from your decoder; the printed digits represent your smartcard number.

Yes, you can. Simply select the bouquet of your choice, then edit the amount to reflect the total cost for the number of months you intend to subscribe for.

Probable reasons include:

Decoder was off: Your decoder must be switched on at the time of payment for the auto-reconnection signal to compile. You can trigger a manual reset via the provider's portal or follow on-screen instructions.
Package change: Upgrading or downgrading packages requires Multichoice to manually re-authorise.
Wrong smartcard: Double-check the ID. If payment went to a wrong ID, you must contact Multichoice support with proof of payment to request a fund transfer.

Token and Pin Related Services

If your transaction is delayed, please contact our support team immediately by sending a mail to support@hovapay.ng.

Provide your registered email, phone number, payment details, and date so that we can fetch and resolve the transaction swiftly.

This could occur due to:

Network carrier delays.
Active DND (Do-Not-Disturb) restrictions on your phone line. To check if your line has DND active, text STATUS to 2442. To opt out, text ALLOW to 2442.

Your token is also sent to your email address and displayed in your Hovapay dashboard transaction history.

Common failures include:

Temporary bank network downtime or switch errors.
Use of incorrect or expired OTP.
Insufficient funds or debit card restriction on the web.

Your token/pin is automatically dispatched to the phone number and email address you provided. It is also displayed directly on the transaction receipt screen immediately after checkout.